23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, equifax and experian keep getting hard inquiries when I am not applying for credit. I am not a XXXX and I think it is 3rd parties putting false info. 

1. XXXX XXXX XXXX. XXXX XXXX 3. For ewuifax I been trying for 5 false hard inquiries and they are not doing frca laws to do right way to show I did or didn't do. 

Also XXXX XXXX XXXX XXXX has somebody with same name. They need to take off all 3 reports.
Product: Credit reporting or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, Zip Code ] Dear Sir/Madam, I am writing to formally dispute the accuracy of certain inquiries listed on my credit report. Upon reviewing the document, I discovered several unauthorized and potentially inaccurate inquiries that I have not initiated nor provided authorization for. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request an investigation into these discrepancies and to have them rectified accordingly. 

Below, I have outlined the details of the disputed inquiry : Creditor Name : XXXX XXXX Inquiry Date : XX/XX/year> I have no recollection of initiating any transaction or applying for credit with XXXX XXXXXXXX. Therefore, I am concerned about the accuracy and legitimacy of this inquiry. Given that I did not provide authorization for this inquiry, I am questioning its validity and authenticity. 
As per the FCRA, I understand that it is your responsibility to conduct a thorough investigation into this matter. I urge you to verify the legitimacy of the inquiry with the respective creditor and provide me with verifiable proof of your findings and actions taken. It is imperative that this investigation is completed within a reasonable timeframe, as mandated by law. 
Furthermore, I would like to emphasize the importance of adhering to the FCRA 's requirement for consumer reporting agencies to ensure the maximum possible accuracy of the information contained within consumer reports. Any inaccuracies or discrepancies can have significant repercussions on my financial standing and creditworthiness. 
In light of the above, I request that you promptly remove the disputed inquiry from my credit report if it can not be verified or if it is found to be inaccurate. 
Thank you for your attention to this matter. I trust that you will handle this dispute with the utmost diligence and professionalism.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Student loan

I have 2 loans in the save plan wth aidvantage. Both of these loans were for the art institute which was a school in violation and the loans were to be forgiven. I noted in my complaint to the borrow defense plan that this school coerced me into a consolidation when I was struggling financially. They also made many false promises and then transferred my loans over to the westood college, which I never apporved of. 
According to XXXX they are processing the discharge as of XX/XX/XXXX. I have not seen any activity on this issue and I need help that the service provider aidvantage fully understands this scope and they are just a servicing contractor. This may weigh soley on FSA. I just need help understanding CORRECTLY! 

Aidvantage responds but never really invesigates this issue thoroughly. I know the loans are listed as consolidated. I am not a fool. I have issued several complaintrs on this issue and noonew investigates properly see Federal Student Aid an Office of the Borrower Defense Case XXXX XXXXXXXX Processing Discharge Case Information Date Submitted XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( The ) Enrollment Period XX/XX/XXXX - XX/XX/XXXX Webform Submission - Case Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters and XXXX has still not responded with the information I requested. And they are still showing inaccurate information on my report.
Product: Credit card or prepaid card

I had a previous account with American Express that was included in bankruptcy in 2014. I, unfortunately, had to file bankruptcy in 2014 because I was awarded 100 % XXXX with the XXXX XXXX. I served my country as a United States XXXX and suffer from XXXX. I have since then got my financial house in order and thought it was appropriate to repay my debt owed to American Express. I would ask that you remove any blocks from my account so that I can reply for another credit card. I applied today and was declined because of my previous account status but was hoping that since I paid my debt, that I would be reconsidered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax grossly mishandled my personal information and the personal information over over 100 million other Americans. Their inability to properly secure this information has left us all vulnerable to identity  theft and other forms of fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding an inaccuracy on my credit report, which has not been resolved despite my efforts to dispute it directly with Experian and the furnisher of the information, XXXX XXXX XXXX XXXX ( XXXX ). 

The account in question, with the account number XXXX, was charged off in XX/XX/year>. However, the account is still reporting a balance of {$2400.00}, which constitutes a significant inaccuracy. According to the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 5 ), furnishers of credit information must report accurate and complete information about accounts to credit reporting agencies. A charged-off account should reflect a {$0.00} balance, as it has been written off as a loss by the creditor and is no longer considered an active obligation. 

Despite disputing this matter with Experian, they have failed to resolve the inaccuracy. They claimed to have verified the information with the furnisher ; however, the account continues to be reported incorrectly. This violates FCRA 611 ( a ), which mandates that credit reporting agencies and furnishers must conduct reasonable investigations when a consumer disputes information on their credit file. 

The continued reporting of this inaccurate information is causing significant harm to my credit profile, including potential denials of credit and higher interest rates. It is also a violation of my rights as a consumer under the FCRA. 

I am requesting the following actions from your office : Investigate the Reporting Practices XXXX XXXX XXXX XXXX XXXX ( XXXX ) : Ensure they are reporting accurate information to all credit bureaus. 
XXXX XXXX XXXX XXXX XXXX to Correct the Reporting : Update the account to show a {$0.00} balance and remove any indication of an active balance owed. 
Hold Experian Accountable for Failing to Correct the Inaccuracy : Verify that they conducted a thorough and reasonable investigation into my dispute.

I have attached copies of my credit report showing the inaccurate information, my dispute correspondence with Experian, and any responses I have received to date.

Please address this matter promptly and ensure that my rights under the Fair Credit Reporting Act are upheld. 

Thank you for your attention to this matter. If you require additional information or documentation, please contact me at XXXX ] or XXXX. 

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

So I have contacted transunion and XXXX  serveral times about inaccuracies they tell me its correct which is not the case. So I decided to reach out to the companies myself AND low and behold I get accurate information. So they lie when they say they look into stuff.
Product: Mortgage

My mortgage has been in default due to the company not being willing to work with me reasonable payment arrangements. 

They have employed debt collection practices to bully me into making the payments on time, even though I have asked for arrangements due to extenuating circumstances like loss of job and family member. 

For the last month I have received three calls a day, every day because I am three weeks past due. When I do speak with a representative, supervisors, and managers they are very condescending and verbally abusive. They have asked that I pawn, ask my family and friends for money and even go to non-profits to ask for money even if I am not a part of the organization. The latter is a very troublesome suggestion as there are more people worse than I am financially that should be receiving that help. 

Additionally, they let me know that there were late charges that had incurred, but was not notified of these until now and now have accrued and added to the total balance of my loan. 

21st Mortgage from XXXX, TN should be more understanding of their customers and willing to accommodate for extenuating circumstances. 

An option is available to make biweekly payments, but hard to meet qualifications are set up, therefore not allowing all to benefit from this option. 

Unfortunately at the time this was my only option for a mortgage company as it seems this may be the case for many. If I would be able to choose again, this would not be the mortgage company of my choosing or any one else with self respect.
Product: Payday loan, title loan, or personal loan

I am a XXXX XXXX who got called up for XXXX XXXX in XXXX I received orders in XX/XX/2021, but prior to that I applied for a personal loan with Mariner Finance. As a XXXX we don't know when we getting orders or get called up for duty. Nevertheless, I submitted my orders to the company in XX/XX/2021 to receive my 6 % rate reduction under the SCRA benefits. They are denying me because they are saying that I knew I was going on orders and therefore they don't have to give me the 6 %. The orders where dated XX/XX/2021, but I never received them till XXXX after the fact and plus I did not fall under XXXX XXXX orders until XX/XX/XXXX. I have tried to explain that to them, but they refuse to listen. Please help, I have contacted my legal representative here on base and I am waiting for them to get back to me. 

XXXX XXXX
Product: Mortgage

Green Tree servicing, now known as ditech. Fail to honor agreement with XXXX XXXX XXXX for loan modification. 
After many months of faild communication with this loan servicer I 'm facing imminent foreclosure. To This Day DITECH refuses lto provide any assistance. The documents sent for loan modification always disappear and they request to start the process over and over again.
Product: Credit card or prepaid card

My credit card was lost, and when I complained US Bank froze my account, and won't allow me to access any funds.
Product: Debt collection

Background : XXXX! XXXX XXXX is a bait-and-switch operation that uses a false webpage to shunt customers to its services, preventing consumers from researching the company and discovering the numerous XXXX XXXX XXXX reports of its fraudulent business practices. In addition, the company is unaccredited due to these reports and has a pattern of predatory actions against hapless consumers. 

Documentation : XXXX XXXX, XXXX Called Squirrel In The Attic ( XXXX ), which went to a call center. Spoke with Montres and said I had squirrels in my roof and I know where the hole in the roof is where they are entering asked if the company could place traps near the hole. He said I could make an appointment to have a tech come and say if that was possible gave me a quote of {$280.00} inspection and setup and range of $ XXXX for pickups. Scheduled the tech to come on XXXX XXXX. 

XXXX XXXX, XXXX XXXX! XXXX XXXX arrived at XXXX, and said they werent allowed to walk on roofs so couldnt place traps near the squirrel entrance. They only place traps on the ground or at the base of trees. I said that would have been nice to know and he shouldn't have come out. He said I would owe {$100.00} for the call. said that information was not provided to me by the dispatcher and I would not pay it. 

XXXX XXXX  Received call from male XXXX! Employee ( I think XXXX XXXX who said I owed {$100.00} and I said that information had not been provided to me by the dispatcher and I would not pay. He said it was common practice to charge for a call, even if that information wasn't provided to the customer. I asked why they dont place traps on the roof and he said they dont have the insurance. 

XXXX XXXX, XXXX Asst Collections, Inc sends demand for payment XXXX XXXX, XXXX Emailed Asset Collections , IncXXXX to dispute the debt, did not receive a response XX/XX/ XXXX Asset Collections, Inc. sends Final Demand for Payment
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Resolution Department, I am writing to formally demand the immediate removal of all accounts on my credit report that I have previously disputed. Based on the allegations outlined in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian, it has become clear that Experian has failed to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
The CFPBs action alleges that Experian systematically failed to conduct reasonable investigations into consumer disputes, as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). This statutory provision mandates that credit reporting agencies conduct a good faith investigation of disputed items and ensure the accuracy of the information in consumers credit reports. Furthermore, the lawsuit highlights that Experian reinserts deleted information without properly notifying consumers, in direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( C ). 
Given these allegations and Experians pattern of noncompliance with federal law, it is reasonable to conclude that my previously disputed accounts were not investigated in accordance with the standards required by the FCRA. This failure undermines the integrity of my credit report and has caused undue harm to my financial standing. 
As such, I demand that Experian immediately and permanently delete all accounts that I have previously disputed from my credit report. Failure to comply with this demand will leave me with no choice but to escalate this matter, including filing formal complaints with the CFPB and considering private legal action for Experians willful noncompliance with the FCRA. As you are aware, 15 U.S.C. 1681n provides for statutory damages, punitive damages, and legal fees for willful violations of the FCRA. 
I expect written confirmation within 30 days that all previously disputed accounts have been removed. This letter serves as a formal record of my demand, and a copy will be retained for submission as evidence in any future legal proceedings. PLEASE REMOVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX XXXX regarding an " ESTIMATE ONLY '' on getting new XXXX. They told me they have " FREE EXAMS ''. I gave my insurance information over the phone and explained to them that I was looking around and getting evaluations of prices on XXXX. I was told that they give free evaluations. I also explained that I had the X-rays that were only days old from a previous XXXX. They told me to bring them with me, which I did. 
Upon arriving, they insisted that the XXXX I had brought wouldn't do. And it was " FREE EXAMS ''. 
Then they took new XXXX and looked into my mouth and sent me back up front to the receptionist. She told me the price and already ran a " credit account '' for my payments. I was EXTREMELY upset and told her that I was in BANKRUPTCY and could not apply for credit, I told her that she was going to cause me to lose my home! I told her this was only an EVALUATION, nothing else. I fully explained myself at each point of service that I was looking for prices only! 
I had to immediately contact my BANKRUPTCY ATTORNEY and the CREDIT COMPANY who SHE APPLIED WITHOUT MY CONSENT that I DID NOT DO THIS!!. Then they have the nerve to Bill my insurance and to me,, which " FREE EXAM '' is {$.00}. I have explained every time they called for payment. They refuse to do anything. This is BLANTANT FALSE ADVERTISEMENT. Now it's been affecting my credit rating and I'm working on getting out of Bankruptcy next year. So I've been trying to fix the problems now. 
NTL RECOVERY AGENCY Last reported XX/XX/2021 {$74.00} Open balance XXXX XXXX Original creditor SNAPSHOT Opened XX/XX/2021 ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to seek your assistance in removing fraudulent items from my credit report. Despite multiple attempts to resolve this issue directly with the credit bureaus and creditors, the fraudulent items remain on my report, severely impacting my creditworthiness. This is my request for intervention, and I am in urgent need of your help to rectify this matter. Despite these efforts, the fraudulent items have not been removed from my credit report. I have enclosed copies of my previous correspondence and all supporting documentation for your review. I respectfully request that you could investigate this matter and assist me in the removal of these fraudulent items from my credit report. Your intervention is crucial in ensuring that my credit report accurately reflects my credit history and that I am not unjustly penalized for fraudulent activities beyond my control. The following items should be remove as soon as possible : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX ; XXXX XXXX XXXX XXXX, HI XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, HI XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, HI XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$2800.00} ; XXXX XX/XX/XXXX ; XXXX 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 XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX NA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX I Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Mortgage

I made partial payments 2 weeks early. Example : I owe {$1900.00} on XX/XX/XXXX. I overpay {$1100.00} on XX/XX/XXXX and another {$1100.00} on XXXX. This overpays by almost {$300.00}, and the early payment reduces my interest. 

They are not crediting my early payment, they hold it and say that I am late and they are threatening me now. 

I have given them {$59000.00} since XX/XX/XXXX. Normal payments would be {$7700.00}. 

I'm being cheated. 

I have called them on the phone and they said they would pass it along to mgt. Nothing yet. 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

I made a wire transfer from my account at XXXX XXXX to Bank of America, XXXX XXXX XXXX, XXXX, FL XXXX Routing number XXXX Unfortunately, somehow the account number was trancated in electronic record, missing one last digit. The funds were disbursed, then returned back to my account, citing the wrong account. 

But not all funds have been returned. Bank of America subtracted {$45.00}, without explanation or notification. For what? The funds were NOT delivered, so it simply does not make sense. They provided NO service! 

It is outrageous that Bank of America can just arbitrarily take out any sum of money from the funds in another financial institution, without the owner 's approval or even notification. If this is not highway robbery, then what it? 

Shame on Bank of America.
Product: Checking or savings account

I had {$7300.00} in my Truist savings account as of XX/XX/. I went in to a local branch to open a joint checking account and I was told by the banker that I had no money in my savings account and that it was closed. Theres no history of my transactions in any logs and theyve done little to help me. Theyve left me, my wife and my daughter out to dry because they made a mistake and making us pay for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are reporting a state tax lien that should have been deleted last year. I have call them to remove this item from my credit report and of this date ( XXXX-18 ) it still remains. XXXX deleted this item last year.