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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute of Unauthorized Credit Inquiries and Request for Immediate Investigation Dear Sir/Madam, I am writing to formally dispute multiple unauthorized credit inquiries that appear on my credit report. These inquiries were made without my consent or knowledge, and I believe they are the result of fraudulent activity or identity theft. 

The following is a list of the unauthorized credit inquiries I have identified : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize any of these inquiries, and I have not applied for credit or financial services with the entities listed above. As such, I believe these inquiries were made without my consent and may be linked to identity theft or fraud.

Under the **Fair Credit Reporting Act ( FCRA ) ** ( 15 U.S.C. 1681 ), I have the right to dispute inaccurate or unauthorized information on my credit report, and I request that you investigate these inquiries. Please ensure that all fraudulent inquiries are removed from my credit report in accordance with the FCRA, and provide me with an updated copy of my credit report reflecting these corrections. 

Specifically, I request that : XXXX. You conduct a full investigation of these disputed inquiries. 
XXXX. All fraudulent inquiries be removed from my credit report. 
XXXX. I receive written confirmation of the actions taken and the outcome of your investigation. 
XXXX. A free copy of my updated credit report be sent to me once the inaccuracies are corrected. 
XXXX. A fraud alert be placed on my file to prevent any further unauthorized activity. 

As stipulated in the Fair and Accurate Credit Transactions Act ( FACTA ), I am entitled to a fraud alert to protect my identity. Should this matter not be resolved promptly, I will have no choice but to escalate it to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue any legal actions available to me. 

Thank you for your prompt attention to this matter. I look forward to your response within the XXXX period required by law. 

Sincerely, XXXX XXXX
Product: Debt collection

National Credit Services failed to comply in removing collection account from my credit reports ( XXXX & XXXX ). Per their response to my previous cfpb complaint they stated that the collection will be removed. 


Company responded on XX/XX/2019 RESPONSE TYPE Closed with explanation Company 's Response NCS has closed the account and is requesting the removal from the credit report. We will no longer be pursuing based on the information provided does not match what we have on file, we apologize for any inconvenience. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked, XXXX, XXXX and Equifax to reinvestigate these accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXXXXXX XXXX # XXXX, However they have stated everything was accurate and complete, but how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 i ( 5 ) they are suppose to modify accounts that are not reporting correctly.

15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 USC 1681s-2 ( A ) ( 1 ) A person shall not 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 are not compliant with Metro 2 credit reporting. I have evidence to prove my case
Product: Student loan

I am a public service employee who has been making continual payments for well over 10 years. I have been on the appropriate income based payment plan that entire time. FedLoan Servicing informed me last year that many of my payments didn't count, because I didn't make the exact payment each month. Example, my bill was {$300.00}, I paid {$400.00}, so the next bill that came via USPS was for {$200.00}. It stated that I owed {$200.00} for that month. I paid the {$200.00}. It didn't count as a full payment and I wasn't informed until I attempted to certify my employment. I understand rigid policy. The problem is that all it took to fix it was for a customer service rep to click a button making the pre-paid extra actually be accepted as prepayment of the next month. FedLoan chose to set the default as a way to guarantee that borrowers take longer to pay off or have the loan forgiven. This is a scam that is certainly affecting thousands of borrowers who are acting in good faith only to find out that the choice of a clicking a box by a customer service rep may have cost them years of additional payments.
Product: Credit reporting or other personal consumer reports

I am writing to once again dispute certain unauthorized inquiries that continue to appear on my credit report, despite my previous attempts to address this issue. Despite my repeated disputes.
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXXXXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Student loan

have been repaying my loans without much of the balance coming down, have also during the life of the loans attempted to get forbearance with declinations, have had interest charges and raises n my account it appears to be as my balances continue to grow even tho I am making all the proper payments. I believe there is some fraudulent activity going on with Navient
Product: Credit reporting, credit repair services, or other personal consumer reports

this is for the Equifax Data Breach incident and I was impacted. Miss use of my personal information, see attached
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Student loan

XX/XX/ I went to the studentaid.gov website and applied for the Income-Driven Repayment Plan ( SAVE ) program. The application went to my servicer Nelnet to complete. I also applied for Public Service Loan Forgiveness which I already received earlier this year for a portion of my loans through XXXX. XXXX is waiting to get my consolidated loans and Income-Driven Repayment Plan application from Nelnet but they refuse to process it or give me any information about when they will send my loans over to XXXX. I emailed and they sent me a generic response with no specific information. I call and am told to hold for 60 minutes to speak with an agent only to have the call disconnected. My XXXX  also has student loans with Nelnet and his Income-Driven Repayment Plan ( SAVE ) application was submitted after mine in XXXX and it has already been processed and approved in less than 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting an incorrect coding of the XXXX partial account number XXXX. This account actually needs to be coded as an M1. ( Please see the page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found discrepancies in some of the information provided. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) of the law, it is mandatory for the three credit bureaus to verify this account. Failure to validate this reported account within the stipulated legal timeframe constitutes impermissible reporting of unverified information. The following erroneous details in my credit report require thorough investigation and correction : XXXX XXXX XXXX XXXX XXXX Balance Owed {$110000.00}
Product: Mortgage

Applied for a mortgage refinance with Citi Bank XX/XX/XXXX. They provided me with a list of documents they needed from me. I uploaded the documents to the website they instructed me to. They lost the documents. I emailed the documents to XXXX XXXX, who conveniently does n't work for them anymore, and she lost them as well. I overnight expressed physical copies of all documents to their office in XXXX XXXX. I have proof of a signed receipt of the documents. They lost these too. They then cancelled my loan because they never received my documents. However, they never told me they cancelled it. I have been trying to get them to respond to me since XXXX XXXX, and they will not return my calls. XXXX XXXX finally returned my call today, XXXX XXXX, to tell me that my loan has been withdrawn and I will have to start the process over. This is the most incredible incompetence I have ever encountered. I am in the process of moving all of my citi accounts to other banks. I will never do business with them again. But, I do n't want another consumer to have to go through what I have been through.
Product: Money transfer, virtual currency, or money service

I placed an online order on XX/XX/2023 for the amount of {$110.00} and paid through PayPal. On XX/XX/2023, I received an email from the company that I made the purchase with stating that they were not able to access their PayPal account and therefore could not process the order. They suggested that I attempt to get a refund through PayPal and re-order through a different process. 

I went through the refund process via PayPal 's dispute process and they denied my refund. I attempted the dispute twice and both times it was denied. I need to get my money back. Thank you.
Product: Payday loan, title loan, or personal loan

I unfortunately pulled amount a 2 loans to pay off my rent at the time. One was roughly around 400 and the other was estimated at 900. at the time I was struggling a bit during the pandemic to pay my rent due to me not being able to work. My daughters daycare was closed due to covid. I couldnt really make money at the time, so I took out a payday loan. I thought paying back XXXX overtime wouldnt have been so hard, but then I was attacked of course with 304 % of interest which ultimately made paying the debt back difficult for me. My daughter is still out of school, and since this pandemic I havent had steady transportation back and forth to work nor a steady and trustable sitter. Covid really made it things a lot harder. I guess I assumed at the times of the loans that I wouldnt still be going through a hardship months later. Ive called before once receiving letters that I might be put into collections if I didnt negotiate payments, or that they will reason with you depending on hardships. The first time I was called I was placed on a payment plan ... the next time I called after the next letter and explained to them that I wasnt able to pay the bill. I was told that garnishments will take into affect of i didnt come up with the XXXX $ to start off my new payment plan that already discussed I couldnt afford at the moment. Even when I said I didnt have the XXXX at the time, he threatened that if I didnt come up with a way, they would send letters out that morning. It really hurts because most companys had some type of covid relief, such as student loans, comed, and even housing finally came up with something to help people. Americash loans kept taxing on 304 % interest every single day since the summer, even though Ive explained countless times I cant afford it. I am still to this day 2/3 months behind on rent, and now the little times Im able to work actually .. they now have 2forms of garnishments sent to my employer. They also sent me letters threatening that if I revoke it, they will send me to court. I am now XXXX left in debt for payday loan, not to mention my rent, and Im still looking for steady transportation and a steady babysitter so I can be able to pay some of these bills off. I feel so horrible I took out a little over XXXX for rent and now I am being charged with thousands and still cant even afford rent. I wish this Americas loans took in consideration that I am definitely human and is in the middle of a pandemic. The fact Ive explained to them my issues and still have been taxed through the roof, had my wages garnished, and even failed to come up with an agreement with me is a lot. I dont want to be in unnecessary debt for more than what I even borrowed and I really dont want to have to apply for bankruptcy. I have few letters stating the same threats but I can load one at the moment. Ive once again tried to handle this on my own. If cfpb cant help me, I will be filing bankruptcy soon.
Product: Credit card

On or around XX/XX/XXXX, XXXX XXXX XXXX a XXXX XXXX {$1500.00} ) under my name without my consent or knowledge. I called the company ( Fortiva ) to inquire about the new credit card. I was told it was given to me for being a " loyal customer since 2018 '', I mentioned to him that I did NOT ASK for the card. 

Now, that the card has been sent to me, my credit score has dropped XXXX points. This is an unwanted card so I have no intention on activating the credit card, therefore the card will be closed for inactivity which will affect my credit score again .... For a card I didn't ask for.
Product: Credit reporting, credit repair services, 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 Dept of EducationXXXX Account XXXX XXXX, Dept of Education/XXXX  Account XXXX XXXX XXXX Dept of Education/XXXX  Account XXXX XXXX , Dept of Education/XXXX  Account # XXXX XXXX Dept of Education/XXXX Account # XXXX, Dept of EducationXXXX Account XXXX XXXX has violated my rights 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: Student loan

I'm dealing with EdFinancial Services for my student loans and they have been a XXXX. I just graduate at the end of XXXX and they have my loan payments set up to start on XX/XX/24. They have bypassed the XXXX months grace period. In addition, I confirmed with the studenloans.gov that my loan repayment starts in XXXX, not XXXX. I call their customer service and said they would look into it, and they will make the change, this was two ago an nothing has been done. When I ask to speak to a supervisor, they are never available.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$52000.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX  XXXX Balance : {$6000.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX  XXXX XXXX ( Original creditor : XXXX  XXXX ) XXXX Balance : {$7100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$26000.00}
Product: Prepaid card

XXXX Bluebird AMEX debit card was used to pay XXXX XXXX. On my online account it showed it was pending for about XXXX week. A week after that it shows XXXX ( XXXX XXXX ) than a week later it did not show I had that XXXX transaction XXXX XXXX XXXX I call to complain, A case XXXX XXXX XXXX is given & am told They will call me in 7 days. I did not get a call. XXXX Today I called XXXX different times. Once I was transferred & put on hold 40 minutes & disconnected by them. The other two times I am told no record of that exists. It is the second time this has happened & I plan to quit them after this is resolved. I learned U must take screenshots of transactions right away as proof becuz they will deny it existed.
Product: Mortgage

Please refer to Describe Section of XXXX and XXXX. 

All related to multiple account # 's issued to same home and prohibiting any possible private investor to consider paying Wells Fargo when accounting issues and novation contracts involved with home as determined by Certified Fraud Examiner. 

Please also refer to recent extensive financial ruin initiated XXXX XXXX XXXX XXXX XXXX XXXX and Recorder 's office due to a Legal Doc Assistant suggestion of Acceptance of Deed and Grantor Trust ( just like a Living Trust ). These agencies have blocked me from securing new employment. Thus, harmed my chances of possible modification or other options. This recent event happened on XXXX XXXX, 2016 due to a XXXX investigator abusive communications over a phone -- - and clearly trying label me a Sovereign Citizen due the non-standard docs created by XXXX BUT approved XXXX XXXX Counsel and Supervisors at Recorder 's office. Again, I have a warrant for my arrest due to the XXXX leaving out the words '' Except for this liens in public record. '' I can not lose my home due to the uninformed XXXX investigator. This event has been horrifying and I ask Wells Fargo to please provide me material disclosures, and give me time to recover from XXXX event and secure possible modification or other settlement resolutions in case material disclosures were not issued to me concerning the use of my home and credit file.
Product: Debt collection

XX/XX/2020 An original indebtedness letter was sent to the company to verify the signature and settle debt, however, the company has replied with a settlement letter and a copy of the bill instead of the original application with my signature. The company is also not licensed in my state to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX DEPTEDXXXX Account # XXXX DEPTEDXXXX has violated my rights XXXX 

15 U.S.C 1681 section 602 A states that I have a right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported me late during a pandemic. I was very sick with XXXX and had XXXX. I worked very hard to keep up with payments. I had a deferment. I requested a goodwill late update to never late. XXXX ignored me. I feel that I should receive a goodwill update. I would like late fees deleted I cant afford to pay XXXX I request a goodwill. 
Account # XXXX Product:XXXX XXXX VIN:XXXX Term:36 Payment Due DateXX/XX/2020 Current Payment Due : {$480.00} Past Due : {$480.00} Total Fees Due : {$110.00}