23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXXXXXX XXXX ACCOUNT NUMBER : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 


XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/XXXX, I submitted my income driven request to XXXX to renew my income driven repayment plan. On or about XX/XX/XXXX, I received an email that I needed to denote on my paystub the frequency of my paychecks. The dates clearly show a bi-weekly payment, but I re-uploaded the requested documentation on XX/XX/XXXX, the requested documentation. On XX/XX/XXXX, I noticed my application had not processed and I called them and spoke with a representative to make sure my application would be in process and my XXXX payment would be normal. I was assured that my application would be processed before my XXXX payment. On XX/XX/XXXX, I received notification that my monthly payment on income driven that has been approximately {$450.00} was going to be {$2700.00} on XX/XX/XXXX. I immediately called XXXX and spoke with XXXX, employee ID XXXX, and was told that my XX/XX/XXXX, payment of {$2700.00} had already been issued and could not be adjusted. I asked XXXX to speak with a supervisor as I could not understand why I was paying for their failure to timely submitted my application. I then spoke with XXXX, employee ID XXXX, who said my only option would be to take a deferment. I explained that was not ideal since if I do not pay off my loans that would not count towards my forgiveness period and would add an extra payment on at the end of the 25 year forgiveness period when I will be hopefully making more money. He said there was nothing that could be done other than the deferment. I then stated that I was typing a complaint to the CFPB as I spoke and he was going on the record that I had to take a deferment even though I had timely submitted my application, but they had not timely processed it. He then said he was going to check on something and put me on hold. When he came back, he said he would escalate the issue and process my application himself today, XX/XX/XXXX, and put in a request for my XXXX statement to be reissued, but that there was no guarantee that it would be processed and my payment adjusted. He said I could take a deferment even after XX/XX/XXXX, but since I have direct debit, that I would need to request the deferment by XX/XX/XXXX to avoid the draft of {$2700.00}. 

I have had similar issues like the one described above every single year in renewing my income driven repayment request. What can I do to prevent this from happening again? Why is a student loan servicer permitted to delay processing timely submitted applications and stick me with the bill? Once they issue the bill, there is no adjusting for XXXX 's error other than for me to take a deferment that has a negative impact and extends my forgiveness period a month?
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report. XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a postcard in the mail stating I requested a fraud alert on my Trans Union report. I NEVER requested a fraud alert. I asked XXXX to freeze my credit report but it had nothing to do with fraud. I contacted Trans Union via their website on XX/XX/1922, and XXXX to remove this fraud alert I never authorized or asked for. Each time I get the following error. Were unable to process your request at this time. 

I am going to be looking for an apartment in a week or two so, it is imperative that future landlords be able to check my credit report. Also, one potential creditor has already written to me that they received the alert when they pull my credit. I was declined because of this.
Product: Student loan

My federal loans were transferred from Great Lakes to Nelnet in XX/XX/2023. Great Lakes informed me that " The transfer will not impact the existing status, terms, conditions, interest rate, or available repayment options ( such as income-driven repayment, deferment, or forbearance ) for your federal student loan ( s ). '' However, when I checked my loan terms in the Nelnet portal, I noticed that they have raised the interest rates on all of my federal loans. I have contacted them on XX/XX/2023 to complain and not yet heard back. 

I believe this to be a predatory and illegal act on the part of Nelnet to scam federal student loan holders.
Product: Vehicle loan or lease

My car was stolen and a deemed a total loss due to theft. My insurance company paid off the car and there was a balance of {$980.00} left in which gap was supposed to cover but did not. So I paid the off the balance in full myself over a few months. I notified them and they agreed to work with me. I kept up my end of the bargain by making sure the loan was paid in FULL. I've written to them twice and asked them to remove the charge off and mark paid in full and close the loan but as of today they have not done that.
Product: Credit card or prepaid card

I received a bill in the mail from Affirm claiming that I owe {$100.00} and Ive never used Affirm before.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 120 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now. nobody helping me and I don't wan na live no more i cant get aproved for anything which is casing me even more XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention that XXXXXXXX XXXX is currently reporting to all major credit bureaus that my Account XXXX Is past due by XXXX days. Yesterday, XX/XX/XXXX, I spoke to several members of your Customer Service Department, as well as Collections. Several of your agents allege that I missed a payment in XXXX of XXXX and therefore this reporting is correct. I was then transferred to the XXXX XXXX XXXX  and spoke to XXXX. XXXX stated that he would conduct an investigation into this matter. I have reviewed past statements from XXXX of XXXX and have found no late payments during this period. Further, it seems mathematically impossible that I would be late XXXX  years later after making timely payments to your bank in excess of XXXX USD. 

This account remains paid off and closed to date
Product: Credit reporting or other personal consumer reports

The accounts listed below are fraudulent and are negatively impacting my credit report. I have reached out to the creditors on numerous occasions to request debt validation as well as a signed purchase agreement to show full ownership of the accounts and I have yet to be provided with any of that information from wither creditor. The creditors and the amounts reporting are : 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 I would also like for the following inquiries to be removed due to them being unauthorized and fraudulent. The inquiries are listed below : 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
Product: Credit card

I had the original XXXX XXXX, but was forced to switch over to the new Wells Fargo XXXX card because the old card was being retired. However, it does not allow for automatic payments to be set up in the app, but I had autopay for my old card. I was charged a late fee of {$25.00} and interest of {$88.00} because of this. I disputed the late fee and it was removed, but I was told the interest could not be removed. However, I was not aware that I had to create a new Wells Fargo account and set up a whole other thing to be able to pay my new XXXX card automatically and that I could not do it in the XXXX app.
Product: Credit card

notice transaction i didn't approve so i ask to cancel account and close, i was told it was a clitch and and new feature account woud be back to normal but money was taken out of my XXXX  accont and transfered to this card that i am trying to close
Product: Checking or savings account

I was scammed out of a thousand dollars through XXXX. I did not have a XXXX account. So Wells Fargo should refund my money according to Regulation E, I should get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  Accounts, Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Has violated my rights. 

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

XXXX XXXX managed the XXXX XXXX XXXX XXXX XXXX bank account for several years he handed the account temporarily to his sister XXXX XXXX. I tried send a bank transfer to the account and now they I keep getting an error message that says the account is invalid seems very strange.
Product: Credit reporting

The credit agency obtain this information from public records. We have since satisfied the balance with the State of Maryland and want this removed from the credit report. The XXXX of the State of Maryland did not send this to any credit reporting agency.
Product: Debt collection

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. 
I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX, Account name : # XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.

Also they aren't even in compliance with XXXX XXXX  credit reporting. I have evidence to prove my case
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: Money transfer, virtual currency, or money service

My retroactive payments from the XXXXXXXX XXXX XXXX XXXX and inheritance from XX/XX/2008 has been getting stolen for the last 10 years and I continue to suffer.
Product: Credit card or prepaid card

Wells Fargo has a policy that allows you to only make a limited number of payments to a credit card from non-Wells Fargo accounts using their online banking system. 

This is a problematic policy for a few reasons : 1 ) Its strongly encouraging you to use additional Wells Fargo products that you may not need or want 2 ) There is a risk that you could have unnecessary interest applied to your account because you were prevented from paying off a balance 3 ) There isnt a risk to Wells Fargo for allowing more than the limited number of payments. The transaction clears the the ACH and should have any cost to Wells Fargo. 

In conclusion this is another predatory policy Wells Fargo has put in place that is harmful to its customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have fraud phone numbers on my personal file ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
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. 


FRAUDULENT ACCOUNTS : Account Name 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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, credit repair services, or other personal consumer reports

I do not recognize any of the credit inquiries. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and noticed there were accounts that do not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following accounts are listed below : XXXX XXXX XXXX # XXXX -CMRE FINANCIAL # XXXX -XXXX # XXXX
Product: Vehicle loan or lease

Starting in XXXX of 2020 I started getting calls everyday from a place called Mid Atlantic. They said I was behind on my auto payments since XXXX of 2020. I had no knowledge of having to pay someone other than the place I got my car from, XXXX XXXX XXXX. When I called XXXX XXXX XXXX  at the beginning of XX/XX/, they told me that my loan had never been sold to Mid Atlantic and that I still pay them. I am ahead on my payments until XXXX of 2020. XXXX XXXX XXXX also told me that they contacted Mid Atlantic to resolve the issue. I am still getting harassing calls everyday from Mid Atlantic and my credit score dropped 22 points.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is [ FTC Complaint Number ], filed on [ FTC Complaint Date ]. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as Pintos v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must meet the FCRA & # 39 ; s permissible purposes requirements
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts. Below have 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 Have 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 an account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause the believe that the information is inaccurate.