23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have had trouble getting my IBR application resolved since XX/XX/XXXX. I have had repeated contact with Navient regarding my account XXXX. I was on an in school deferment until the first of this year. After repeated faxes and attempts to get some resolution on my account, my account is now saying its 273 days behind. Navient 's excuse of not resolving my account was that it was being researched and they did not receive my income verification. I last spoke to them and it was supposed to be resolved as the month of XX/XX/XXXX. I work a XXXX job which I have been laid off from and I am XXXX XXXX. My income averages {$25000.00} a year and my student loans are in excess of 200K. They were faxed in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with 22 pages reflecting my XX/XX/XXXX tax return which is my only proof of income. I do not understand how this agency can not get this right. They are not my only student loan servicer. I had a similar issue with XXXX XXXX and they resolved the matter just fine. Please advise. I do not know what to do. Thank you for your attention and assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed XXXX  XXXX Bankruptcy on XX/XX/2022. XXXX XXXX was notified on XX/XX/2022, see attached document. Equifax was notified of my Bankruptcy filing by my dispute on XX/XX/2022, see attached document. Equifax failed to update both of my XXXX XXXX accounts to the accurate balance of {$0.00}, XXXX  XXXX date of XXXX, no latest prior to filing chapter, no past due, no 22 times of 90 days late and further failed to report the accurate history of the account. The account number itself is inaccurate as this was not my XXXX XXXX credit card account number. This is a FCRA violation as well as a violation of the automatic stay provided by Bankruptcy. On XX/XX/2022 Equifax sent me a letter that my dispute was processed and the information of charged off Credit card account, balance of {$13000.00}, with 1- 30 day late, 1-60 day late and 22- 90 days late was accurate ( this is NOT ACCURATE ). This is FCRA VIOLATION as Equifax had a copy of my bankruptcy petition which included both XXXX XXXX accounts, the credit card account and the personal loan account. Equifax failed to conduct a reasonable investigation of my dispute! Equifax has continued to report inaccurate information for both of my XXXX XXXX accounts since XX/XX/2022 all the way up to and including today XX/XX/2022. Since Equifax failed to conduct a reasonable investigation and has continued to report inaccurate information since XX/XX/2022, the XXXX XXXX credit card account should be deleted from my Equifax credit file or at the least, Equifax must report accurate information in my credit file.
Product: Credit reporting or other personal consumer reports

inquires need to be removed due to fraud XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XXXX XXXX XXXX XXXX XXXX XXXXXXXX Important dates Inquiry date XX/XX/XXXX Removal date XXXXXXXX XXXX XXXX XXXX XXXX Important dates Inquiry date 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 EQUIFAX MORTGAGE SER Important dates Inquiry date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$3600.00} ; XXXX XXXX XXXXXXXX Balance : {$900.00} ; XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$9900.00} ; XXXX XXXX XXXX Balance : {$47.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX XXXX : {$58.00} ; XXXX XXXXXXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} ; XXXX XXXX XXXXXXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion : This letter is a formal request to remove unauthorized inquiries from my credit report. 
I 've listed the unauthorized inquiries below. Also a result of the current breach, I believe my information has been compromised. Please remove the following inquiries from my credit report. 
Creditor : XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX; XX/XX/XXXX Please note  that before making this request, I sent letters to the organizations responsible for these unauthorized inquires asking them to remove their inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. 
Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at ( XXXX ) XXXX. 
Sincerely, Signature XXXX XXXX SSN XXXX DOB XX/XX/XXXX
Product: Student loan

On or about XX/XX/XXXX, I became aware of an increase to my monthly billed amount due from MOHELA from approx $ XXXXmo to approx $ XXXXmo. I called and spoke w/ a representative to inquire as to 1 ) Why my payment increased and 2 ) if I was no longer allowed the deferment I initiated in XXXX under the CARES act. The representative said that payment was due, though I could apply for further deferment with interest to be capitalized. I informed the rep that when I initiated deferment in XXXX, I did so under the verbal instruction from a MOHELA representative that interest would not capitalize, but the loan would be extended an equal number of months as were deferred. The rep said that she could not account for a monthly payment increase of over {$100.00}, but would investigate & get back to me. 
Having not had a response, I called again on or about XXXX and asked to speak w/ a supervisor. I spoke w/ XXXX , who informed me that as this is an interest variable loan, it had recently recalculated for the first time since XXXX, and that interest going back to that year had been added on. She went on to say that this recalculation is automated and should be done annually, and for reasons unknown to her this had not been done in 13 years. I asked XXXX if federal lending guidelines allow a lender to back date interest calculations more than a decade and add them to the current balance causing a significant payment increase, she said that she did not know, but would consult her legal team and would do what she could to correct any errant increase to my balance. She further informed that she would email her contact info to me. No email was received by me from XXXX. 
On XX/XX/XXXX, I emailed MOHELA asking for the name and contact info for the supervisor Id spoken with, as she had not contacted me. I was given her first name & extension XXXX at XXXX XXXX XXXX. 
Shortly thereafter I contacted XXXX, who informed me that she could do nothing about my sudden balance increase of approx 30 % (? I have not seen the actual figures across my MOHELA loans, only the monthly increase ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX {$80.00} XXXX XXXX XXXX {$6500.00} XXXX  XXXX {$9900.00} XXXX {$1000.00} XXXX {$870.00} XXXX {$1700.00} XXXX {$8000.00} XXXX XXXX XXXX {$2200.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash ( block inc ) due to inadequate customer service and unfair practices which violates the consumers financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected Furthermore, they dispute and resolution process was unfair in deceptive as they did not comply with error resolution under the electronic fund transfer act and regulation E these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

someone has been using my information as a result now i have 15 inquiries on my credit report that i know nothing about i contacted the credit bureaus all they was able to do was adding a fraud alert but all those inquiries remain on my report, i sent letters to the creditors and all three credit bureaus. nothing was done about and by law they had 30-45 days to respond i never heard fro neither of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I uploaded a document from the original creditor that deemed me not liable for the debt as it was found that I was a victim of identity theft through documents that I submitted to them. 
I contacted Experian today, XX/XX/XXXX, requesting the significance of this investigation and not deletion as I have been disputing this debt for several years but instead it has been coming back as " verified and been told to dispute with the original creditor on numerous occasions. After speaking with the Fraud Department Manager, I am now being told that my letter from the original creditor did not pass Experian 's Authenticity process! 
Experian is now stating Im providing false documentation to them after Ive been victimized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment updated from my accounts within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Credit card or prepaid card

On XX/XX/XXXX, an electronic bill payment was authorized from my personal checking account in the amount of {$340.00} to an account that is closed and no longer an active account. Once the funds were disbursed automatically the bank could not stop payment and advised I contact the credit card company.

On XX/XX/XXXX I contacted Citi Card and was routed to their payment investigation unit providing them information related to the payment and requesting funds be returned immediately. In addition, I also forwarded a letter via certified mail of my request requesting a refund due to the misallocation of the payment. Documentation included the online receipt and proof of payment. Note : Following my conservation with the representative in the Payment Processing Unit I was informed that I would received written correspondence with 15 days as all information provided was being entered in their system as an inquiry on my behalf. 

After no correspondence or response from Citi Card with the specified timeframe and despite the returned postal mailer verifying receipt of the letter, on XX/XX/XXXX, I reinitiated contacted with the company. This time customer service informed they did not have a number for the payment investigation unit advised I look the number up online then terminated the call. 

Any assistance Consumer Financial Protection Unit can provide would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I received a letter from XXXX XXXX XXXX  that my credit card was approved. I never applied for a card from them and called their customer Service. I was told that I didn't have a credit card with them. XX/XX/XXXX I received a letter from XXXX that my payment was overdue ( on a card that I didn't have ). Then I received a bill including late charges. This is the first bill I ever received and it already had late charges. I wrote to their " fraud team '', disputed it with all 3 credit bureaus, and filed a police report. I sent the police report to all 3 credit bureaus and their " Fraud Team. They still claim that I own them now {$460.00} including interest. On XX/XX/XXXX they filed a judgment for the money they insist I owe them. On XX/XX/XXXX the judgment was " satisfied by the court ''. However, on XX/XX/XXXX they filed a derogatory alert on Transunion. My credit has been very good to excellent before this. I have in past consistantly paid my bills on time. I want them to stop harassing me and repair my credit rating. I have obtained an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/23 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
Here are the accounts : XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXXXXXX XXXX : {$980.00} XXXX XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

I am a natural person, I am a living human being, I have rights under law 15 USC 1681. Security Credit Services is govern by 15 USC 1681. And has violated my consumer rights numerous of times. I demand a removal from this account off of my credit file. According to 15 USC 1681 : I have rights and i did not given Security Credity Services written permission to furnish this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 days ago I had a XXXX Credit Score with " Exceptional '' [ Experian ] payment record. It is now XXXX! I was trying to raise my Score using Boost, etc. I applied for Credit and was DENIED with a Hard Credit hit ; those stay on TWO YEARS! [ should be made Illegal for more than 6 months ] It was because Experian FAILED to remove a XXXX XXXX   account CLOSED for OVER 2 Months! Then, Experian SENDS ME a Credit Card application stating it would " Give me more Credit THUS RAISING MY SCORE ''! [ I have been trying to get over XXXX! ] Sooo, I APPLIED right from their email and BOOM! DENIED!! with YET ANOTHER HARD CREDIT HIT! I also see I am IN the EXPERIAN BREACH file!!! A {$20000.00} lost since XX/XX/2020 can be claimed BUT it doesn't ASK THE RIGHT QUESTIONS! I LOST {$16000.00} LOAN because of faulty Experian data, NOW! And the reduction, NOT INCREASE, on my Score due to the above!! I THINK EXPERIAN SHOULD PROVIDE A [ OUT OF COURT, For NOW,!!!!!! ] SETTLEMENT OF : THE $ XXXX LOAN LOSS AND REMOVE >>>BOTH<<<HARD CREDIT HITS!!! AND REPAIR MY SCORE!! My LAST COMPLAINT isn't even RESOLVED YET!! And, now THIS!! 
I have screenshots and emails OF ALL THIS! [ Nice, tasty, Court documents for the right ATTORNEY ] IF I have to GO TO COURT.. I'll NEED TO >>>XXXX<<<TEN TIMES as MUCH for the XXXX XXXX fees! With a FAIR JUDGE, I'll WIN. Credit Bureaus will XXXX consumers BUT when THEY, or LENDERS, 'stub their toe ' NOTHING HAPPENS TO THEM! And NO CORRECTIVE Action without WASTING OUR TIME!
Product: Payday loan, title loan, personal loan, or advance loan

I received a phone call that I missed on XX/XX/year>. I was in a meeting with XXXX XXXX XXXX XXXX which was the reason why I was unable to answer. Once the meeting was over, I called the number which was ( XXXX ) XXXX. The company stated that they had no information for regarding myself including my telephone number. I woke up the next day on XX/XX/year> with a message from XXXX XXXX stating that a hard inquiry was ran per this company. I contacted the company and told them I have never applied with this company. The manager on the phone stated that I did not apply with the company. This company can not provide any signatures or permissions or provide any information as to how and why they ran my credit without my permission. I am currently i am in progress to repair my credit with the city of XXXX XXXX which will now be put on hold due to the need to freeze my credit hindering any progress. 
XXXX XXXX Address : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX TX XXXX XXXX : Open Closes XXXX Phone : ( XXXX ) XXXX
Product: Credit card

I have my credit reports frozen however I received a notification from XXXX XXXX that Barclays Bank Delaware attempted to open an account without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The GM FINANCIAL account is currently reporting on my credit report that does not belong to me and it is a mistaken identity case and a fraudulent account. I filed an official identity theft report with FTC and I included that fraudulent account in order to dispute and remove it from my credit report. Except for XXXX credit bureau this fraudulent account has been removed from my credit report. I am not the responsible party for this account because I never applied for it nor did I gain benefits from the services provided by that company. Thereof with the submitted documents, XXXX must delete fraudulent account reporting by GM Financial from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions. 
The following Accounts : Original Creditor : XXXX as serviced by XXXX XXXX XXXX : Absolute resolutions Open Balance : {$6700.00}
Product: Debt collection

I had received a medical bill from XXXX XXXX hospital, service date XX/XX/XXXX for {$2700.00}, It had been sent to United Collection Bureau Inc. XX/XX/XXXX.ref #  XXXX. I had set up a payment plan with them starting XX/XX/XXXX, of at minimum $ XXXX/mo. paid XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}, XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. 1XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$200.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- not written down?, XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. 8/18- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$50.00} XX/XX/XXXX- {$100.00}. XX/XX/XXXX- {$100.00} & {$50.00}. 
for my last payment of {$79.00} I was no longer able to pay this account online. said i needed to call to re-register. so i called the number and they told me the account was no longer with them it had been sent to an attorney. (? ) they said they could not discuss the account with me or the schedule of payments that had been made. gave me the number for the attorney, XXXX, XXXX, XXXX XXXX XXXX. the person i spoke with there said they had just received the file XX/XX/XXXX- 2 days before my due date. and to pay online or over the phone there would be an additional fee. also stated there was an additional account with them for me from a radiology company for {$230.00}. I have no idea what this would be. she also gave me the file # to reference when sending a payment, File # XXXX. 
But my complaint is that i had been paying on this as well as 5 other medical facility bills and with the last payment they transfer it to another company so it will be again reported on my credit as a new account. when i had been paying and ready to pay off- for one i had no notice written or otherwise that this was going to be transferred or i would have paid it off prior to the transfer. I am sure this happens a lot to others as well and it is not a fair thing to do when a consumer is actually trying to do the right thing in paying their debt. I am familiar with the credit bureau rating on these accounts as i watch my credit often. And a newly reported collection does not fair well on ones credit report/scores. it is bad enough that once it is reported and you start paying on it your credit takes a hit every month just because there is activity on a collection account. but to have these companies transferring the debt all the time to report as new debt is not a Fair or right thing to be doing. I appreciate your assistance in resolving this issue. I would be able to pay the debt if they would stop adding additional fees, and transferring it to places without notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

{$170.00} charge from XXXX is for XXXX testing for XX/XX/2021 for XXXX XXXX XXXX people. These charges for XXXX XXXXXXXX results are not to be billed to XXXX XXXX during this time period, a s we had no health insurance. If these are not XXXX billings from XXXX, then they are incorrect billings being charged to XXXX XXXX XXXX Why? Because XXXX shows no Collection Accounts for XXXX XXXX for the last XXXX XXXX Kindly remove this collection activity from XXXX for XX/XX/2021 for XXXX XXXX.
Product: Credit card

I have discussed this with Citicards Home Depot a weather related deferment several times due to several Hurricanes that I was affected by in my area starting with Hurricane XXXX, then XXXX, now XXXX. Going back to XXXX, they told me they would not approve a Weather Disaster Deferment because my Zip Code did not appear on their " List '' at the time. Despite submitting a FEMA letter to Citicards, no one would help me. Because of this I have had the account report as being late on my credit history, as well as several late fees. I have also been a victim of Fraud and they did not remove the Fraud Charges from the Minium due, or the fees associated with the Fraud. Furthermore, even though I have made my payments on time in the past Citicards/Home Depot refuses to work with me on the past Weather Disaster Deferment or the current XXXX involving XXXX and now XXXX even though I do have given them a copy of the FEMA letters that I have, and my ZIP CODE being on the list of affected counties in XXXX.