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

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries on my credit report, which were established without my authorization following a recent data breach. Under FCRA 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am exercising my right to have these items removed from my credit file. 
Accounts to be Blocked and Deleted : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Unauthorized Inquiries to be Deleted : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Consumer Loan

I purchased a vehicle and obtained a loan but shortly thereafter ran into some unexpected expenses. I fell two months behind on my payments and have received multiple calls a day at both my work and on my cell phone after I made contact with a representative of the lender and told them my situation as well as the date, this month, I intended on paying the past due amount. The calls are excessive, and when returned are often not answered. XXXX now when I have had my calls answered I 've been verbally attacked by Wells Fargo representatives. Once, I asked to speak to a superior. When I was made to wait for forty minutes and finally put in touch with someone, they hung up on me when I asked if I could record the conversation.
Product: Student loan

In the last month, I have tried to make three different payments with Nelnet. The first payment was on the day it was due ( XX/XX/XXXX ). On the dashboard, it stated the payment was processing. It stayed " processing '' for 2 days then it disappeared and no funds were taken from my bank account. A few days later, I received an email saying I was passed due. I then tried to make another payment ( on XX/XX/XXXX ) and the process repeated itself. I then tried to make ANOTHER payment ( on XX/XX/XXXX ), this payment is currently showing as processing but I assume it will not go through again and I will get another email saying I'm passed due. I have tried to make contact with Nelnet on multiple occasions within the last month but have received no response. I worry this issue with their system will have negative effects on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to to address a previous complaint Complaint number : XXXX & Complaint number XXXX There are multiple items that I have disputed however the bureaus Experian, and XXXX   have not removed the items and they did not perform a proper investigation with the creditors in a CDV format in accordence with 15 U.S.C. 1681s-2 ( b ) ( 1 ). I demand proof of the scope of the dispute outlined on a CDV form received by the furnisher. I do not believe that the previous items I disputed which are included below were investigated and I know for a fact that the bureaus never gave me proof of this investigation before so in result I demand all of the items be removed IMMEDIATELY to prevent my legal right to privately SUE the creditors and furnishers. Doing so will take so much time as I have already lost so much time and have been denied credit when I need it to better my life. 

In my previous dispute to Experian on XX/XX/2019 I also included copies of my ID, Social, and proof of address and on XX/XX/2019 I received a letter from Experian stating that in order to process my dispute I will need to send them my ID, Social, and proof of address. They deliberately sent me this letter as a stall tactic to completely ignore my disputes and proper investigations that need to be taken place in order to verify the accuracy of information on my credit report. They gave me other options to send in my id, social, and proof us address such as www.experian.comXXXX they are not allowing me to upload my documents to the system because it is rigged! I have attached this letter into this complaint which serves as total proof that Experian is not treating me fairly and has not properly addressed my disputes or performed a proper investigation. 





Items I demand be removed XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX THIS COURT DOES NOT HAVE ACCESS TO MY RECORDS AND AS PROOF I CALLED THEM TO VERIFY THAT AND THE OFFICE DISCLOSED THAT THEY DO NOT PROVIDE PRIVATE INFORMATION TO THIRD PARTY AND SO IT IS IMPOSSIBLE FOR THEM TO VERIFY THIS ACCOUNT ON MY REPORT SO IT MUST BE REMOVED AS IT DOES NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Phone XXXX I WAS NEVER LATE ON THIS ACCOUNT AND CREDIT HAS NOT PROOF OF SENDING EARLY WARNING NOTICE AND AGREED TO REMOVE ITEM OFF MY CREDIT OVER THE PHONE
Product: Debt collection

I spoke with Synchrony on XX/XX/XXXX and requested a settlement. They agreed to settle for {$550.00}. It was agreed that I would give 3 payments ( {$180.00}, {$180.00} and {$180.00} ). These payments would be automatically taken out on XX/XX/XXXX ( Confirmation XXXX ), XX/XX/XXXX ( Confirmation XXXX ), and XX/XX/XXXX ( XXXX ). respectively. I was advised by Synchrony that once everything was cleared and verified, I would then receive a final settlement letter. Late XXXX of XXXX, I received the final settlement letter from Synchrony dated XX/XX/XXXX. The letter stated that everything had been verified and account was now settled. It also stated that the credit bureaus would be updated. My account was taken care of and it sat closed with no activity from XXXX XXXX of XXXX. In XXXX of XXXX, it started showing charge off again. I disputed this through XXXX and submitted my settlement letter. They advised that Synchrony was not agreeing with their own settlement letter. I began received calls from XXXX collections. I spoke with them and provided my letter to them through email. I then received an email back saying they were seizing collection activities due to the settlement letter, and would refer the file back to Synchrony. In XX/XX/XXXX, I received letters from Synchrony notifying me that I needed to provide proof of payments. I mailed them a copy of the settlement letter ( Certified ). I spoke with them on XX/XX/XXXX and they advised that the Settlement letter they sent me, was not enough proof. I also spoke with XXXX on XX/XX/XXXX and advised them of settlement, and recent activity on my credit. They opened a new dispute with the settlement letter, and referred me here.
Product: Checking or savings account

Hello, I am on XXXX government benefits. I receive a payment to my direct express card monthly to pay my bills.

I have inquired many times about WEB access to my account online. Direct express did not tell me there was a Direct express App to use. I found out on my own. I have not received a post mail or email response. I received phone calls and unclear voicemail messages. I requested via phone to please respond via email only and this request was refused. 

I now am presenting a problem that has not been addressed as of yet with Direct express for years to you. That must be fixed. I have had XXXXXXXX XXXX XXXX  for a few years at my apartment. I was able to pay my bill the first few month with my direct express card. I have called many times to have Direct express ublock this payment so I may pay my bill. Direct Express Express told me the payment will be unblocked in a few hours for only 24 hours. Direct express is blocking me from paying my XXXX XXXX bill and requested I go get prepaid gift cards to pay this bill online. This is still currently an issue. I should not have to pay any bills with alternative methods of this sort. The gift cards cost an additional price every month. Please Explain in writing in an email why you are blocking this specific monthly payment for years? I tried once again to pay my bill with my Direct express card today and the payment is still being blocked by Direct express. It would appear it is an attempt to alert Hud so I may appear to have another source of income and loose my housing,
Product: Checking or savings account

I 'm trying to set up XXXX XXXX with my account so I can take funds out of my account to be able to purchase stock from the XXXX site. It 's not letting me set up my account with them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX  {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX XXXX {$810.00} XX/XX/XXXX XXXX XXXX {$490.00} XX/XX/XXXX XXXX  XXXX XXXX {$430.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I tried to call Mohela XXXX  XX/XX/2023 as they have the incorrect payment amount for my student loan. My payment is {$370.00} more than what it should be. My interest on the loans is also going up at the incorrect rate and my subsidy should be covering my interest but Mohela has all of my information incorrect. When I called Mohela I was on hold for 1 hour and 47 minutes before they hung up on me. I have not been able to talk to a live representative whatsoever about this issue. Wait times have been XXXX minutes long everyday and they keep hanging up before even taking a call.
Product: Credit reporting or other personal consumer reports

Trying to get my credit report showing the information about the XXXX and payment history since XXXX I have been trying to get the answers from Wells Fargo to explain why they removed items from my credit history.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau ( CFPB ) Case No # XXXX and # XXXX. I have contacted XXXX per the instruction in letters on XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX  to verify to remove me from this account and delete this account from my credit report. This company failed to follow their own procedure and continue to show inaccurate information on my credit repairs. Please remove me this account from my XXXX, Experian, and XXXX account immediately. I have followed XXXX steps by contacting XXXX XXXXXXXX XXXX  and spoken with a representative and follow up with a dispute to remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2015 I submitted my application for a repayment program I was previous apart of with XXXX XXXX XXXX. This was a yearly renewal which I completed over the phone with a representative then, logged into my online portal to electronically sign my application. The representative told me it may take a while for the renewal process to start so I requested to file a forbearance  for the following three months XXXX  through XXXX. The representative told me the forbearance was filed and I would receive a response in 10 days. I never heard back via mail or email regarding my forbearance or the status of my renewal application for my repayment program. Several weeks later I checked my credit report and discovered XXXX XXXX XXXX  had reported all 10 of my accounts as late for 120 days. I was devastated when I saw this because my credit score dropped below 450 and I felt like my life was ruined because I was trying to buy a house at the time. XXXX XXXX XXXX never called or sent me a letter regarding this matter. The company never told me I had a payment due, what the amount was, and I never received information regarding my forbearance or application status. Prior to this negative reporting on my credit and prior to my application renew my monthly payment was XXXX   dollars per month. I was in belief that I was in a forbearance period and that my monthly payment would remain XXXX   dollars per month. I never expected XXXX XXXX XXXX to report on my credit a monthly payment amount of over 500 dollars. Unfortunately, due to miscommunication from the company my credit file was ruined and I was denied housing from an apartment complex after also being denied a mortgage loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS BEGAN ON XX/XX/2018 when I pulled my yearly credit report. XXXX XXXX XXXX collecting on the behalf of XXXX for {$610.00}. I have disputed ( via certified 611 letter ) this ONCE WITH XXXX AND XXXX AND IT WAS PROMPTLY REMOVED. I have disputed this ONCE with XXXX. I have disputed THREE TIMES to date with XXXX   ... ONCE online and TWICE via TWO CERTIFIED 611 LETTERS. They have removed it TWICE and put it back for a THIRD TIME. XXXX is the ONLY credit reporting agency, STILL reporting this fraudulent account. They also report as XXXX XXXX XXXX HAS ALSO PLACED THIS FRAUDULENT DEBT UNDER " ERC '' ... it's AKA.
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. 

Acct nameXXXXXXXX XXXX  : # XXXX XXXX Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, ACCT NAME : XXXX XXXX XXXX  # XXXX ACCT NAME : XXXX XXXX XXXX # XXXX ACCT NAME : XXXX XXXX XXXX # XXXX ACCT NAME : XXXX XXXX XXXX # XXXX ACCT NAME : XXXX XXXX XXXX XXXXXXXX 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$38000.00} XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous complaint regarding the issue of late open accounts on my credit report. Despite making two attempts to resolve this issue, the matter remains unresolved. I noticed that there are incorrect late open accounts reported on my credit report. Since then, I have made two attempts to get these inaccuracies corrected. I have attached copies of all relevant correspondence and documentation for your reference. Given the lack of resolution, I am now seeking assistance from you. Please provide a detailed update on the status of my complaint and the steps being taken to correct the issue. Kindly help me correct the following accounts : XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00}.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding the Re-insertion of Previously Removed Fraudulent Credit Inquiries by Transunion To whom it may concern, I am writing to file a formal complaint against the credit reporting agency Transunion due to the unauthorized re-insertion of fraudulent credit inquiries into my credit report, which had been previously removed following an investigation conducted in accordance with the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I filed a dispute with Transunion concerning fraudulent inquiries that appeared on my credit report. After conducting their investigation, Transunion properly removed the inquiries in question. I received written notification fromTransunion confirming the removal of these items from my report. A copy of that letter is attached for your reference. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX However, upon reviewing my recent credit report, I have noticed that these fraudulent inquiries have been reinserted without any valid justification. This constitutes a violation of the FCRA, specifically with regard to the re-insertion of inaccurate information without providing the proper notifications required by law. 

I respectfully request the CFPBs intervention to ensure that Transunion rectifies this issue immediately by permanently removing the fraudulent inquiries from my credit report and ensuring that such errors do not occur again in the future.
Product: Credit reporting or other personal consumer reports

I have been disputing multiple accounts with false information and credit bureau has not done proper and fair investigations despite providing evidence with my disputes. This applies to 4 accounts that have been disputed and remained unresolved and incorrect. I will attach proof of previous disputes as well as evidence provided to credit bureau.
Product: Debt collection

According to XXXX an attempt to collect a balance of {$260.00} was issued and XXXX and XX/XX/XXXX by Southwest Credit for XXXX. I did not receive a written statement from SouthwestCredit in XX/XX/XXXX. As of XXXX XX/XX/XXXX, I received a written notice for the aforementioned amount. Although, the written notice does not indicate or have the verbiage that states that I can file a dispute. As of early XXXX ( date unknown ) I have since moved carrier and have not held an account with XXXX. Additionally, I am currently disputing a phone number ( XXXX ) XXXX in XXXX that is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX in South Carolina. I have never been to South Carolina or attended services in that church.
Product: Credit card

Today I called Paypal XXXX Account ending in XXXX to see what my balance is since I have n't received any communication from them. I found out my account was closed and my balance was transferred on XX/XX/2016 to my PayPal XXXX. My issue is I had set up automatic payments to PayPal XXXX account for minimum payment due on XX/XX/2016. As of XX/XX/2016 to current date, minimum payment due is still being taken out of my checking account for a total of {$310.00}. In addition, I made additional payments to XXXX from another checking account for a total of {$300.00}. Thats a total of {$610.00} which were n't credit to my PayPal XXXX. I have contacted PayPal XXXX and they referred me to PayPal XXXX. I then called PayPal XXXX and they referred me to XXXX. I called XXXX and they told me to call my banks. All in all no one had a record of these payments but my banks. One of my banks asked me to send a stop payment and request a refund for XX/XX/XXXX payment. The other bank which I last paid out of was in XX/XX/XXXX. What I 'd like to know is what do I have to do to recover my money and if you can help me do so? I have documentation from my banks showing dates and amounts of payments made. I 'm at my wits end. Your help in this matter is greatly appreciated. 

Respectfully, XXXX
Product: Student loan

XXXX I placed a call to edfinancial to refund my payments and they said it would be 180days or more before they could do that. I called on XX/XX/2022 and they did not submit my request so I asked again to refund my payments. At this point they said yes and it'll be 180days or more.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
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 XXXXXXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$220.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX
Product: Debt collection

This is a complaint from XXXX XXXX against Client Services for Client Service 's failure to provide requested information for the debt alleged. On XXXX XXXX, 2016, consumer, XXXX XXXX, received a demand letter from creditor, Client Services. On XXXX XXXX, 2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been over a month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Debt collection

Just got this in the mail today and I wan na pay it off. So yall dont send this to me no more cause I dont use trust bank anymore, so when I send this please close the account cause I did already and yall still sent this to me when it wasnt at a negative balance.