23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan servicing company Specialized Loan Servicing is going to report negative information to the credit bureau due to utilizing COVID-19 payment deferral on my Federally guaranteed mortgage. Our payment deferral ends XX/XX/XXXX and in order to avoid any negative information being reported I must pay the full balance owed. This is not what the provider told me when I signed up for the deferral. 

At the time they explained at the end of the 90 day period they would break up the amount owed over 6 months and as long as we made the payment no negative information would be reported. 

Now they are claiming that since I will no longer be in a forbearance but a repayment plan that they must " report accurately '' the status of the account showing I am 90 days late but also in a repayment plan. Basically they are violating the Federal Law which prohibited reporting of negative credit information due to COVID.

Specialized Loan Servicing is a HORRIBLE organization. You want to speak to a supervisor you have to wait days for them to call you back. 

They should not be allowed to manage Federally guaranteed loans. 

I do not want my credit damaged simply because we postponed our payments for 3 months and they told us at the time that they would provide repayment options that would allow us to repay the funds without damaging our credit. 

Now they are changing their story and basically our credit will be damaged.
Product: Debt collection

The debt collection agency continues to call despite measures I put in place to stop them and they leave threatening messages This is my second request to have them stop
Product: Student loan

I XXXX Aidvantage ( XXXX ) XXXX they stated XXXX XXXX has been harassing my daughter from XXXX for a student loan payment. I didnt give XXXX XXXX XXXX the director of Coaching success at XXXX XXXX University XXXX XXXX ) XXXX. I didnt give XXXX XXXX XXXX XXXX XXXX XXXX at XXXX to forge my name XXXX XXXX XXXX use my ssn XXXX dob XX/XX/XXXX to apply for any student loans for XXXX XXXX ssn XXXX dob XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX case # XXXX for Long Island University XXXX XXXX ) stated I XXXX XXXX never signed an Master promissory note XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I was at work during these dates. My daughter XXXX witnessed staff inside of XXXX forge my signature XXXX XXXX. 

I went in person to XXXX. and was given the proof. Now Im receiving threatening emails from XXXX XXXX XX/XX/XXXX. 

Im also receiving threats from XXXX the supervisor on XX/XX/XXXX, when I call XXXX XXXX XXXX account # XXXX ( XXXX ) Grace I spoke to on XX/XX/XXXX refused to go to the fax machine XXXX XXXX to get the XXXX pages I faxed to prove I didnt sign any loans per XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) XXXX. 

Aid vantage will not speak to me after deductions {$800.00} from my bank account automatically from XXXX.
Product: Debt collection

There is a medical debt on my credit report that is not accurate. I have contacted XXXX XXXX, the collection agency and XXXX about verifying the information. I sent the a police report of identify theft and have asked several time for any type of paperwork that shows me how they properly verified that the medical debts information is accurate and I have not received any call, emails or any type of explanation that can show me how they went about the process of verification. I am not sure what else to do, thanks!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND EXPERIAN HAVE REPORTED A MEDICAL COLLECTION ACCOUNT ON MY CREDIT REPORT WHICH IS HURTING MY GOOD CHARACTER AND REPUTATION. 
THIS ACCOUNT HAS BEEN PAID IN FULL AND PER THE ANNOUNCEMENT ON XX/XX/2022, ALL 3 CREDIT BUREAUS WILL REMOVE ALL PAID MEDICAL COLLECTIONS FROM THE CREDIT REPORTS. 

I HAVE ALSO ATTACHED A SCREENSHOT OF MY BANK STATEMENT OF THE PAYMENT OF " {$480.00} '' FOR THE COLLECTION THIS ACCOUNT IS PAID IN FULL AND NEEDS TO BE REMOVED FROM MY CREDIT REPORT. 

( EXPERIAN ) XXXX : XXXX XXXX COLLECTION ACCOUNT # XXXX ( XXXX ) XXXX : XXXX XXXX XXXX XXXX  # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act XXXX  Account XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Called today about the debt was n't communictated what the debt was sufficently. I agreed to pay the debt in full for deletion which the company stated they wouldnt do. Which is in violation to the " Fair Credit Reporting Act ''. I am willing to pay debt in full for deletion from credit report in XXXX hours.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX I am writing to dispute fraudulent information on my credit report in accordance with 15 U.S.C. 1681c-2, and to request that this information be blocked. I have attached a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer provides an identity theft report, credit bureaus must block any information identified by the consumer as a result of the identity theft within four business days. 

The following information on my credit report is the result of identity theft and must be blocked : Account | Account Number | Date Opened COXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by XXXX U.S.C. XXXX, please block this fraudulent information from my credit report immediately. This information must remain blocked for one year, after which I can request an extension. During the blocked period, no fraudulent accounts or inquiries should be reported.

I have contacted Equifax multiple times regarding these fraudulent accounts and inquiries on my credit report, and no solution has been provided. I am deeply affected as this information is not mine and it is harming my creditworthiness. I request all documentation proving that these accounts and inquiries are legitimate. I have requested a response from this agency, and after more than 60 days, I have received no response.

Please assist me in removing these accounts and inquiries immediately. I am attaching the FTC report, hoping it will help you make a better decision regarding my situation. Thank you. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have been requesting information and attempting to dispute a credit card that is falsely on my credit report, every time they say they can not locate my information and they need the full account number which I do not have I only have whats on my credit report therefore they couldnt help me. After numerous attempts I was told I would need to contact XXXX XXXX XXXX and was given the address to write. I was never notified of this debt and have requested validation numerous times with no response.. A collection agency XXXX XXXX XXXX has filed a judgement against me on behalf of American Express after attempting to contact for 2 years, with no response. The reason I reached out was because I saw the debt on my credit report and I am unaware of this credit card on my report. The debt is through American Express for {$11000.00}. I do not have any outstanding debt and have never had a credit card with a higher balance than {$3000.00} so this it absurd to me.
Product: Checking or savings account

On XXXX XXXX 2022, I purchased {$100.00} worth of prepaid self-serve XXXX XXXX, to be used at self-service laundry machines and dryers. After using a laundry machine, I discovered that there was significant mildew in the laundry machine. I believe this to be grossly unsanitary and unsafe, and am extremely uncomfortable using this business ' laundry machines again. I requested a dispute with Chase on the same day after the owner rejected my requests for a refund. 

I have also seen online reviews complaining about the mildew, dating back to over a year ago. The owner responded sarcastically, without addressing the issue nor offering to resolve it. This leads me to believe that this is a persistent issue at this establishment that has never been resolved. 

My images of the mildew and the review are attached. 

Around early XXXX, I received a call from a Chase investigator. He asked me simple questions, and stated that " the mildew does not help nor hurt my case ''. I found this a very concerning statement, as mildew in laundry is clearly a health hazard. 

On XXXX XXXX, I discovered that I lost the dispute. I called the dispute department at Chase on XXXX XXXX, and I was told that I lost the dispute because " prepaid services and gift cards '' were not disputable. There was no effort on the part of Chase to investigate the conditions of the laundromat, nor was there an option to reopen the dispute. I was told to take it up with the laundromat, whose owner is denying me any refund and belittling my concerns. I have purchased something with poor quality that is clearly a health hazard, and Chase has not offered me any protection as a consumer.
Product: Credit card

I tried applying for student housing, but I was denied due to my credit score. I came to find out I had two fraudulent credit cards opened under my name. One was from XXXX XXXX XXXX in the amount of {$290.00}. The original credit owner was XXXX XXXX XXXX. Account number in XXXX is XXXX.
Product: Credit reporting

This matter must be resolved, after providing Equifax with proof my FATHER past away and to not merge my information with his and providing my ID 's and his death certificate I receive a notice they added the death certificate to my file. There are his accounts listed on my credit file, accounts that are in my wifes name only listed on my credit file. Accounts that are business debts only on my personal credit file etc. Please help assist me as I am not getting anywhere.
Product: Student loan

I requested a refund XX/XX/31 haven't received it. I want to apply for the student loan forgiveness before my grace period ends as it takes weeks to process. People have received their refund in days while i've been waiting for months. I called today XXXX and they haven't even processed my refund!
Product: Vehicle loan or lease

Per the federal truth in lending act, the printed APR on a retail installment contract must reflect all interest and fees paid by borrowers. Santander Consumer USA charges a bank fee which is paid back as part of amount financed and is not reflected in APR, ergo it is a fraudulent loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage through XXXX that was sold to XXXX in XX/XX/XXXX. While the mortgage was still under XXXX in XX/XX/XXXX I filed for Chapter XXXX bankruptcy and my mortgage was included. I never resigned the loan, but I do still remain in the home and do make regular payments on it. 
Once the bankruptcy went through, XXXX stopped reporting my payments to credit agencies. When the mortgage was sold to XXXX they began reporting to Experian. I still have not resigned on the debt and have no legal obligation to pay it, so I disputed the debt with Experian. They investigated and decided the credit reporting was valid. I need the credit reporting on this loan to stop as it was discharged in XX/XX/XXXX.
Product: Consumer Loan

I had a credit loan through Wells Fargo Dealer Services. My account has been settled for quite some time know, and I have been trying to have Wells Fargo remove this issue from my credit report, but to no avail. During the time I had an account with Wells Fargo I was late with a payment six times, and XXXX time of becoming a sixty day late charge.I had explained to the individuals from Wells Fargo that I had to make a command deciison in making other more important payments such as paying for my mortgage, pay bills, and to buy groceries for my family. I had explain everything in detail to the individuals at Wells Fargo why my payments were late, ( a XXXX initiative act ) but they have flat out refused to remove the bad credit. I am in the process of cleaning up my credit history and can not afford to have this mark on my record any longer. What can I do to remove this unfortunate piece of bad credit from my credit report?
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Student loan

I Had a loan through XXXX for several years. In XX/XX/XXXX I was notified that my loans were being transferred to navient. I had always paid my loan on time with XXXX. I saw on XXXX that the loan was transferred to navient XX/XX/XXXX. The transfer was complete on XX/XX/XXXX for a total of {$4500.00} ( interest rate 3.78 % ). I received a letter dated XX/XX/XXXX that the transfer was complete. I registered with navient online XX/XX/XXXX. I saw online the first payment of {$33.00} is due XX/XX/XXXX ( I have not received a bill yet ). Upon logging on I received a message that my loan was past due and I had been charged a late fee FXX/XX/XXXX ( prior to the loan being with navient ). I called customer service and spoke with XXXX in private loans who states this is for a XXXX payment however this is not the information reported online. She refused to listen to me that it was telling me I had a late fee erroneously applied to my account. This company is fradulently charging me a late fee prior to them even receiving my loan, please help.
Product: Bank account or service

suspended my account and stated the account would be activated in a few days but hasnt. i called the bank and the customer services person disconnected XXXX times after having waited XXXX mins each time. I have funds in the account but cant access via website. HSBC Premier customer service is awful. They need people who give a XXXX about servicing clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

Trying to connect business bank account to XXXX online bank account. Says Capital One is blocking me from enabling external applications
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX sent a letter to transition disputing information on an account named XXXX  I never received a return information or respond meaning the credit bureaus are entitled to delete it permanently off my report
Product: Credit card

Barclay closed my Barclay XXXX MasterCard account XX/XX/XXXX, and sent a letter indicating the following : " We have recently conducted a review of our accounts. Following this review, we regret to advise you that we are unable to maintain an account with you because of your history of account usage. Your account has been closed in accordance with the terms and conditions of the Cardmember Agreement that governs your account. '' This sudden closure of my account came as a surprise to me and I am very upset as I had XXXX Barclay Arrival points ( worth approximately {$2900.00} in travel expenses ) in this account that I can no longer access because the account is now closed. It is truly disheartening to have worked so hard to earn those points, only to lose them in such a shocking and abrupt manner. I have been a Barclay 's credit card customer XX/XX/XXXX, and I am disappointed with the manner in which they have closed my account. My expectation is that Barclay should have at least notified me about what I had been doing that was unsatisfactory, so that I could have taken the necessary actions to avoid being closed. Instead they closed my account without any warning.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing 2 items in dispute and TransUnion and XXXX are reporting 1 account in dispute. I have not disputed these accounts and wasn't aware of that status until a lender pulled my credit report. I mailed a request to all three bureaus requesting they remove that verbiage from my credit file and they have not done so and it has been over 45 days since it was requested. Both accounts are in great standing so there would be NO reason to dispute them.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXX XXXX ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of inquiry XX/XX/2022, XXXX XXXX Date of inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022 XXXX XXXX Date of Inquiry XX/XX/2022
Product: Debt collection

A summons was given to my employer of a company I do n't recognize and I think is an identity theft account. I am very disappointed with how they have humiliated me with my employer and now my Job is at risk. I am ready to sue them and will go to court on this matter to small claims.
Product: Checking or savings account

On XX/XX/2023 Citi bank randomly closed and froze my bank account with over {$6000.00}, my only money. Im a single father with XXXX children, I tried to e-deposit a scholarship check and my account was frozen within 3 hours.

I called Citi-Bank and they said it would take 60-80 days to get my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Has violated my right to privacy according to The Fair Credit Reporting Act under 15 USC-1681B Section 602A.XXXX XXXX XXXX  has also violated my right under 15 USC-1681A Section 604A Section2 which also States a consumer reporting Agency can not furnish an account without my written instructions. This account is at a {$0.00} balance no further obligation on this account XXXX XXXX XXXX have not given a 1099-C form for filing as I am Required to file on tax forms in which would be counted as income. I have no other obligations to this account and is at a {$0.00} balance. This has been an embarrassment as well as a hinderance for my family and I moving forward in being Qualified for possible Mortgage lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent a letter addressed to the Credit Bureaus dated XX/XX/2022 requesting that the Credit Bureaus investigate and correct the statuses of the disputed accounts from my Credit report. I have also been sending letters before the said date and have also been expecting for the Credit Bureaus to respond but the Credit Bureaus never stopped to disappoint me. Under the FCRA section 609 and 611, the Credit Bureaus are required to validate the status of the disputed accounts. I am now submitting this complaint as a means to communicate with the Credit Bureaus and to inform them that if the Credit Bureaus are not able to correct the Accounts, I would highly appreciate it if the Credit Bureaus opted to remove the disputed accounts from my Credit report : XXXX XXXX Balance : {$0.00} USDOE/XXXX XXXX Balance : {$0.00} USDOE/XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Dear CFPB, I'm here to ask for your assistance to have this XXXX inquiry be removed immediately on my Experian account. I did not authorized anyone to run or processed this inquiry on my behalf and I am fully UNAWARE of this activity been happening without my knowledge. I want all invalid addresses that was added on my credit report without my permission as well as this one inquiry be removed on file. 

Thank you for your assistance on this matter. 

Sincerely, XXXX XXXX
Product: Credit card

I ordered flowers and other gifts to be delivered on a certain date by a certain time. The merchant failed to deliver the flowers and XXXX of the other XXXX gifts on time despite verbal assurance that it would. The merchant refused my request for a refund even after it admitted that it failed to provide per our agreement. 

I disputed the charge with Citibank, the issuer of my credit card. Citibank denied the dispute without ever doing an actual investigation, i.e., Citibank did not even contact the merchant. I learned from the Citi XXXX XXXX that if the disputed amount is over a non-specified dollar amount, Citi denies the dispute, despite the merits of the claim. Citibank has engaged in this illegal and bad-faith practice -- failure to comply with the Fair Credit Billing Act ( FCBA ), conduct a good faith dispute investigation, and deny consumers their right to dispute billing errors -- several times now for unjustifiable reasons.