23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I received a XXXX XXXX Tuition Answer student loan in XX/XX/XXXX or XX/XX/XXXX. The {$25000.00} dollar loan has since more than doubled that amount since I first received it. Another problem I am having is with Navient Solutions the servicing company handling the collection of the payments. Navient has ruined my credit standings with XXXX and the other XXXX credit agencies. On XXXX XXXX XXXX, I called Navient and informed them that I was living in a hotel due to a fire in my home, and at the point I tried to use my several months forbearance. Navient Reps gave me the run-around for several months telling me I had to speak to a specific rep that had approved the forbearance but every time I called asking to speak to the reps some of the reps told me they did not know who the rep was or she was unavailable at the time. I continued to call and now the reps story was I was unable to use the forbearance because I did not have enough months to cover the time period in which my payment was due. I was finally granted the forbearance for the time period XXXX/XXXX/XXXX to XXXX/XXXX/XXXX but they still reported me as being late after granting me a retroactive-forbearance. During the forbearance I made XXXX payments of XXXX. One of those XXXX payments was for the month of XXXX XXXX XXXX this is one of the months they have reported me to the credit agencies as being late. They refuse to change the information with the credit agency. I have reached-out countless times still the information on my credit report remains the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize nor initiate any inquries made by GUESS WHO? BANK OF AMERICA Inquiries : BANK OF AMERICA XX/XX/2020 I did not Initiate or authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry.

IF YOU COME TO THE CONCLUSION THAT I SUBMITTED AN APPLICATION VIA ONLINE please provide THE IP ADDRESS AND THE WEBSITE I USED TO SUBMIT THE APPLICATION. 

In the absence of any such documentation bearing my signature, IP ADDRESS AND WEBSITE USED TO SUBMIT APPLICATION I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number ANDSEND ME A COMPLETE UPDATED CREDIT REPORT AFTER DELETIING THE INACCURATE UNAUTHORIZED INFORMATION Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, XXXX XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] [ Experian ] [ XXXX XXXX XXXX ] [ XXXX, Texas XXXX ] Subject : Dispute of Inaccurate Information on Credit Report 15 U.S.C. 1681o Dear Sir/Madam, I am writing to formally dispute the following information on my credit report. I have reviewed my report and found the following inaccuracies, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, relating to civil liability for violations. 

Item to be Disputed : [ XXXX XXXX ] XXXX XXXX XXXX XXXX, MA XXXX Nature of the Dispute : I believe the information is inaccurate, including details like incorrect account balances, dates, or the presence of accounts that do not belong to me. ] Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, I am requesting that you investigate this dispute and correct any errors. The information in question does not accurately reflect my financial history, and I am requesting the removal or correction of the disputed information.

Additionally, I would like to remind you that under 15 U.S.C. 1681o, I am entitled to civil liability for any damages caused by the inclusion of inaccurate or unverified information on my credit report. If the dispute is not resolved in accordance with the FCRA, I will consider all available options for seeking redress, including legal action. 

Please conduct a full investigation and provide me with written confirmation of the resolution, including a copy of the updated credit report once the dispute is resolved. 

Enclosed are copies of the relevant documents supporting my dispute, including [ any documentation you are submitting such as billing statements, letters, or court documents ]. 

Thank you for your prompt attention to this matter. Please provide me with the results of your investigation within 30 days, as required by law. 

Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

So recently I had visited a Retail Store as I was shopping & attempted to purchase I was ask by store associate if I was interested in applying for their store retail card ( not credit card visa/master card ) if approve receive additional discount. I also asked if this would be soft or hard card? It was explained that Id recently applied & approved for three card lines ( drops points/hard credit checks ) after accepting credit. Also told told about previous creditor that misrepresent & given inaccurate information about their inquiring process for their store card which was disputed & later remove from credit report. So sale associate reassured me that this wouldnt be hard, but a soft credit to determine a line credit for their store card ( aka XXXX XXXX issuer XXXX XXXX  ). Also stated that I already had XXXX  ( which as used for purchase on XX/XX/19 ) card. But I was convince & mislead to believe otherwise ; that would be a soft credit instead of hard credit. So reluctantly applied for & was told that I will receive a letter via mail with a decision in response to inquiry. So to my dismay & surprise that it was in fact a hard inquiry happen apply which lead suspect she do retail store card, but store visa/master credit card which uses consider a hard inquiry. I already reached to XXXX XXXX  as well as all three credit bureaus about this incident that took place with to inquiring that was misinformed to me at the time. I was then told by XXXX issuer for XXXX XXXX card that they will process a compliant/investigation on my behalf as well as submitted it to all three bureaus to look into to get it resolved by removing off my credit reports. Since then after contact all three credit bureaus in order to follow up with about the incident regarding XXXX XXXX I wasnt reassured or confident that compliant would be taken seriously. Im even sure if there is a report on filed on my behalf about the misinformation & process to have inquiry removed. I think this incident should be further investigated & resolved in timely matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to DELETE some of the information in my credit file ; however, there is still account that need to be DELETE. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate this account ( A ). I hope this disputed account is deleted. 
XXXX XXXX XXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Product: Debt collection

Debt collectors from New York are calling me in order to pull a false debt on scam my mother. They say that they cant get in contact with her only to tell me what her number is. My mother always picks up her phone, so if they had called her, they they would have been able to get in contact with her. The company is Omnipoint Solutions. The number is XXXX ext. XXXX.
Product: Mortgage

In XX/XX/2018, Capital One sold my mortgage and my HELOC to two different loan servicing companies. In XXXX, I received 1098 tax forms from both loan servicing companies. However, these only reflect one month 's worth of interest payments. Capital One has not provided XXXX forms for the 11 months that they were my  loan service provider. I looked online for my tax forms and they were not available. I called Capital One customer service and they said that " Capital One has chosen to exit the mortgage loan servicing business '' ( yes, I knew that already ). They said that I could write to the former address to which my loan payments were sent but they expressed doubt that they were required to send me any tax forms. I can not seem to find a human at Capital One who thinks it is their job to send me the tax forms that are required..
Product: Mortgage

I requested a Mortgage Forbearance under the CARE Act with our Servicer Rushmore on XX/XX/2020 over phone and was verbally denied by Rushmore Rep because he stated of our being in foreclosure ( I believe he wrongly denied us ). 
We are also now once again requesting a 180 day forbearance under CARE Act in writing to Rushmore dated XX/XX/2020 and are waiting for a reply.
Product: Checking or savings account

Welsfargo held my direct deposit XXXX weeks for no reason. It caused me to be evicted from my apartment. I could not get another checking account after this action also.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern. In accordance with 15 U.S. Code 1681i ( 6 ) ( A ), I, the consumer in fact has the right to demand compliance within 15 days for the results of a investigation via written notice.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I had no indication or knowledge of these increase inaccurate by report, has violated my rights. 
I looked at my Equifax credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( eXb ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) n generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed ( A ) in generallf, after any reinvestigation u
nder paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be venfied, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modity that item of information, as appropriate, based on the results of the reinvestigation ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have asked time and time again to delete all negative accounts and collections that i dont recognize my i.d has been stolen twice along with my social and birth certificate so there is alot of those accounts i do not recognize at all so i am asking again PLEASE DELETE THOSE COLLECTIONS AND NEGATIVE ACCOUNTS IMMEDIATELY THANKS
Product: Credit reporting, credit repair services, or other personal consumer reports

The personal information showing on my Experian credit report is inaccurate. There are misspelled names, outdated address and phone number. This is a big red flag for identity theft, pre-approved credit card offers could be sent to the wrong addresses. I only have one name, one address and one phone number. 

I've tried to correct this directly with Experian by sending a XXXX XXXX Mail on XX/XX/2022 requesting removal of inaccurate personal information, but they have refused to remove some of the wrong personal information and they remain on my Experian credit report to this date.
Product: Credit card

Good day! 
XX/XX/XXXX/XX/XX/XXXX, I called Barclays Aviator Card to cancel my credit card to avoid the annual fee. The operator offered a retention package, which involved earning XXXX XXXX XXXX points after spending {$2500.00} for 6 consecutive months. I signed up for it. After meeting the spend of {$2500.00} for 6 months ( XX/XX/XXXX-XX/XX/XXXX, to be sure to get the bonus, I even spent {$2500.00} XX/XX/XXXX ), I patiently waited for my bonus to post. In around XX/XX/XXXX, I called to inquire and operators had repeatedly told me to wait for the points to be credited. XX/XX/XXXX, I knew something was amiss when my points have not showed up in my account. I called again with operators dismissing my concerns and promising that the points will ultimately come through. After calling about 4-5 times, I had finally reached my threshold and requested to have my issue escalated. I spoke with a manager who vowed to review my case. I received a letter a few days afterwards informing me that I was not eligible for the bonus because I did not sign up for it. I was exceedingly disappointed because this was not the truth so I called again, this time requesting for all my previous calls and conversations to be reviewed. I am not sure if they reviewed the conversations but they responded again that I did not sign up for the offer. I felt that this was an extremely dishonest and fraudulent practice for this bank to lure me back into signing up for another year, with the promise of bonus miles and subsequently denying their offer. I called again and finally reached a sympathetic manager who listened to my complains. I conveyed that it defies logic for any customer to try to spend over {$2500.00} every single month for 6 months in a card that was initially about to be closed down. The bank ended up giving me XXXX as a consolation, instead of XXXX that they initially promised. After a few days, I was reading a blog that indicated the same exact circumstance has been happening to other consumers. Barclays has been offering this promotion to sustain customers but unable to stay true with their word. I initially did not want to complain but I think CFPB needs to be made aware of this unethical and unscrupulous behavior of this bank. I also would still want the other half of my missing XXXX bonus. Thank you so much for listening to my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection from XXXX, sold to XXXX in the amount of XXXX. Balance is too high, I have provided the initial contract, where I financed a phone for {$390.00}, no finance fee, month to month phone service and {$0.00} cancelation fee. Balance of {$1000.00} is extremely too high. I have contacted XXXX, XXXX  numerous times to change, and now I want deleted. It is against my rights to report information knowingly inaccurately. There are 2 accounts on my credit report that are charge-offs but are reporting balances. XXXX is suppose to report {$0.00} dollar or no balance but is reporting a {$690.00} dollar balance. My credit score has went down XXXX points placing me further away from qualifying for a home loan. My husband is a XXXX veteran, and I have an XXXX   son. This home is vital to our living as space and peace is needed for my family. My income and score is an essential part in us qualifying for a home loan. It is against my rights to report inaccurate information knowingly. XXXX XXXX reports a balance of {$450.00} dollars to a charge-off account. Balance should be {$0.00} or nothing reported. I want both accounts deleted from my credit report. This has been a continuous battle for me and has caused me a lot of emotional distress due to constantly battling for my right to an accurate credit report.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX XX/XX/XXXX, I closed my Chase account and was provided with a cashiers check. 
I traveled to XXXX and attempted to cash the check, but it was declined. 
I had to return the check to the U.S. for cashing. A third party was entrusted to cash the check at a Chase bank and return the funds to me. 
Unfortunately, I never received the funds. 
I contacted Chase Bank in XX/XX/XXXX and was informed that the check was cashed on XX/XX/XXXX. 
Since then, I have repeatedly requested a copy of the check and the location where it was cashed so I can provide the information to the police/detective investigating the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that myfile has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$940.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$940.00} XXXX  XXXX Balance Owed : {$220.00} XXXX XXXX XXXX Balance Owed : {$0.00} FST XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX XXXX Balance Owed : {$630.00} US DEPT ED XXXX Balance Owed : {$2300.00} US DEPT ED XXXX XXXX Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$1100.00} US DEPT ED XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX Balance Owed : {$320.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT ED/XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXXnquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$320.00} XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If CREDIT BUREAUS do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

XXXX responding to a complaint I filed with the CFPB for a deletion of an account that has been reporting incorrect and inaccurate information. On XX/XX/XXXX I filed my complaint for the account of XXXX XXXXXXXX XXXX ( account number XXXX ) XXXX XXXX ( account number XXXX ) XXXX ( account number XXXX ) This account has been said to be verified and corrected but that in fact is not true. 
The Credit bureaus stated these accounts were properly investigated but how is that possible when there are still multiple inaccuracies being reported. Ive asked for this account to be DELETED. The CFPB statement response stated I asked for a corrected reported or deletion which is also false inaccurate as well. This account last payment is being reported as XX/XX/XXXX buts its showing the account was in good standing in XX/XX/XXXX. It is also being reported by Equifax that is account has been in good standing with no missed payments from XX/XX/XXXX through XXXXXXXX XXXX XXXXXXXX is a violates my rights. All the information on this account which is inaccurate and a violation According to XXXX XXXX XXXX XXXX, XXXX, EQUIFAX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You have violated federal law, by not properly investigating this matter. I have evidence of search via receipts you must not remove the item in any other action, or in action on your behalf, may result in a small claims action against your company I will be seeking {$1000.00} per violation. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a immediate DELETION of the following accounts : XXXX XXXX XXXX ( account number XXXX ) XXXX XXXX ( account number XXXX ) XXXX ( account number XXXX )
Product: Checking or savings account

I had received multiple emails from Bank of America regarding a {$300.00} bonus offer for opening up a checking account with the company. It required opening an acct with the offer, creating a checking account, and direct depositing over {$4000.00} over the course of 90 days. During the course of time I had over {$6000.00} direct deposited into the acct. 

I have called on multiple occasions between ( XXXX and XXXX ) and several agents assured me that I have met the requirements and to just give it time for the money to post. I called again in XX/XX/XXXX because I still have not had anything posted to the acct and a representative XXXX stated there was a message that I did not meet the criteria. 

This was the first time I heard this and she we went over everything on my acct and showed I was aligned to meet. I have been coaxed into signing up for a checking account and lied to by several agents at this point only to be denied afterword 's. Bank of America has lied. 
A complaint number was filed :