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

I opened a credit card through XXXX XXXX XXXX XXXX  for the purchase of a couch. I made my monthly payments on time and have owed a XXXX balance on this card for SEVERAL months prior to receiving a letter on XX/XX/2021 from XXXX XXXX  stating they decided to close my card due to reasons that do not apply to me. I haven't owed them, I paid on time and yet months later they ran a credit score on me and made the decision to close my card based on my score being XXXX ( which their documentation states XXXX is within range ). So they damaged my credit score further by this decision. I want that corrected. Customer service told me today when contacting them " no one will ever be able to fix the error, the business decision was made based on the details in the letter, I can not help you ''. 
This is BAD business to damage my credit when I was paid in full and on time with this bank. There seems to be no one to contact within the bank that made that decision to appeal or discuss this with, also BAD business. 
I recently was diagnosed with stage XXXX XXXX XXXX and owe approx. XXXX in medical bills. Other than that I pay my bills on time so why can a bank take from your credit but not repair a problem or points back when a consumer doesn't warrant the bad credit mark? Who can I report XXXX XXXX  to for making this decision and damaging my credit score when I was paid in full with XXXX balance?
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}. Also, I was never late. I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$25.00}.
Product: Mortgage

We refinanced back on XX/XX/XXXX and have had nothing but problems with our new servicer. Lakeview Loan Servicing and the company that " writes their letters ( XXXX  ). '' At the beginning of the year we received a letter stating that we didn't have adequate coverage with our XXXX policy for our Homeowners Insurance when indeed, we did. This took several hours on the phone trying to clear this issue. ( I guess they do not have someone that is able to read and interpret the information in the said policy. ) Then on XX/XX/XXXX, we received a new letter saying we do not have hazard insurance when our property requires it ... but they would gladly purchase it for us for a " significantly more expensive '' rate. Fast forward to our mail today XX/XX/XXXX ... a second letter regarding hazard insurance. Still don't have insurance ( according to them XXXX. I have confirmation that a XXXX representative spoke with these people on XX/XX/XXXX and faxed the appropriate information to their fax number. I can only assume that this fax machine is not being tended to during these times of COVID-19. Spent 27 mins on the phone with XXXX from XXXX. 

The most recent incident was yesterday, XX/XX/XXXX. We received an Annual Escrow Account Disclosure Statement. This statements says that we owe {$2300.00} for a shortage with our escrow account. The number is inaccurate, as my husband and myself have someone who is a Senior Loan Advisor that looked over our HUD statement and noticed a clerical error. I would like this to be rectified immediately on behalf of XXXX. The amount that is added to each month statement would clear up any deficit in escrow funds. Please advise.
Product: Student loan

I have a loan with XXXX XXXX XXXX I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2016.
Product: Credit reporting or other personal consumer reports

To : Consumer Financial Protection Bureau Subject : Dispute of Hard Inquiry on Credit Report Dear CFPB, I am writing to dispute an hard inquiry that appears on my credit report. The inquiry in question is from XXXX XXXX and was made on XX/XX/year>. I believe this inquiry is incorrect and should be removed from my report. I disputed it with XXXX XXXX and they resolved it in my favor however until now that inquiry still appears in my credit report. I contacted Experian as well but they said they haven't received any XXXX XXXX request to delete that hard inquiry. I tried to explain and provide the letter I got from XXXX XXXX but they explained me that they have to receive the deletion request from the financial institution ( in this case XXXX XXXX ), so right now, XXXX XXXX says they requested to delete the hard inquiry to Experian and Experian says they haven't received anything from XXXX XXXX. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that this inquiry be investigated and corrected as soon as possible. I have attached a copy of my credit report with the inquiry circled ( page XXXX ) and supporting documents that show why this inquiry is incorrect. Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely XXXX
Product: Vehicle loan or lease

I have confirmed with my banking institute that there are no limits on transactions made as EFT withdrawals using the routing number and account number and that at no point during this described period has Ally attempted to make withdrawals on either my savings or checking account. 
On XX/XX/XXXX, I agreed to a settlement offer to pay off my remaining balance of {$1800.00} with a one-time payment of {$1000.00} scheduled for XX/XX/XXXX. I patiently waited to see the withdrawal on my account and saw no such activity. 
On XX/XX/XXXX, I called the customer service line and attempted to make a payment over the phone with an agent first through my savings account with the account details and then with my checking account and neither were successful. The agent suggested I reach out to my financial institution to see what was preventing the transaction, which was when I learned there are no limits to EFT amounts. Before I disconnected the call, I was told ( on a recorded line ) that the settlement amount would be preserved. 
On XX/XX/XXXX, I called back and spoke with another agent, now armed with my knowledge that there should be no issues using my bank details from my financial institution. I was informed by that agent that the settlement amount was no longer available, and that I would need to make the full payment amount and that I would need to send in a XXXX or a XXXX XXXX money order with my account number written on the outside of the envelope ( which sounds very data security dubious. ) There was an attempt made in XXXX to send a large amount through XXXX that was never collected, the agent I spoke to on the XXXX never made any indication that I couldnt make the payment over the phone, and I was offered a settlement amount that Ally Bank never attempted to withdraw. Not once. I am now reporting this lender for weaponized incompetence as a method of reneging on offers made to their clients, financial manipulation, and fiscal dishonesty, as well as utilizing bait-and-switch tactics to strong arm their way out of honoring a settlement amount. 
They also really shouldnt have their representatives suggesting that their clients expose their account information on the outside of an envelope.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Unauthorized Hard Inquiries Dear Whom It May Concern, I am writing to formally request the removal of certain hard inquiries on my credit report that were made by the following : XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX I have verified that these inquiries were made without my authorization and did not result in any services being provided to me. 

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. Inquiries must be made with my consent, and since I did not authorize these inquiries or receive any services in return, they do not accurately reflect my credit behavior. 

I kindly request that you conduct an investigation into these inquiries and remove them from my credit report. I have attached copies of my credit report with the unauthorized inquiries highlighted for your review. 

Thank you for your prompt attention to this matter. I look forward to your response confirming the removal of these inquiries. 

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

THESE ACCOUNTS WERE OPENED FRAUDULENTLY XXXX XXXX  XXXX XXXX {$24000.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$5200.00} XX/XX/XXXX XXXX  XXXX {$710.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$17000.00} XX/XX/XXXX THIS ADDRESS SHOULD NOT BE ON MY PROFILE I NEVER LIVED HERE XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Product: Credit card or prepaid card

i have sent letters to each bureau telling them this account is not mine and was open fraudulently. i have police report on file for identity thief.
Product: Debt collection

Commonwealth Finance has put a mark on behalf of XXXX XXXX XXXX XXXX twice, once in XX/XX/2018 and again in XX/XX/2018. I wrote a debt validation letter on XX/XX/2018 & mailed it via certified mail requesting that Commonwealth Finance provide me with a copy of all medical records, including records that were signed by me giving consent for treatment at any medical facility, whether it be a hospital, lab or doctors office to my home address and demanded that they cease and desist calling XXXX. Commonwealth removed the mark on my credit report and returned the signed certified mail receipt. They did not respond to my request to produce these documents. Instead they sent a letter stating that I needed to pay the debt. I checked my credit report in XX/XX/2018 and saw that Commonwealth Finance had once again put their mark on my credit report. They have not sent a letter demanding payment, they have continued to ignore the previous request in XX/XX/2018 to validate the debt that they claim is owed to them. I never gave them consent to treat.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX Date Opened : XX/XX/XXXX Amount : {$370.00} XXXX Date Opened:XXXX Amount : {$0.00} XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX Date Opened XXXX XX/XX/XXXX Amount : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Amount : {$8600.00} XXXX Date Opened : XX/XX/XXXX Amount : {$2200.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX  : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

RE : XXXX XXXX XXXX CD ACCOUNT ending in XXXX This is a CD account. EWS has told me that CDs are not subject to reporting with EWS. The account was closed XX/XX/XXXX yet on my EWS report there is information showing XXXX cents in interest paid on XX/XX/XXXX. After being on a call with XXXX  XXXX XXXX for 2 hours and 53 minutes I'm told that they are unable to locate the account. 

The information regarding the CD account is false and should be removed from my EWS report especially since CD accounts are not subject to reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 I am reporting a fraudulent inquiries found in my credit report
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX 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 the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. 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 months that are reported late to be removed. They are not in compliance with the following law. XXXX XXXX XXXX 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! XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXXXXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

They have not updated my credit score correctly to reflect considerable credit card changes, the most recent was paying off a XXXX XXXX XXXX XXXX card and closing it. Equifax are not doing their part to show a correct score when they should improve, but are immediately at lowering a score if they can.
Product: Student loan

I can not afford to repay. I have spoke with someone from nelnet about forbearance and was told it was set up. I would like information on clear my student loan debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I just reviewed my credit report and noticed errors on my file.
Product: Credit reporting or other personal consumer reports

I have tried to dispute this collection from XXXX XXXX off of my credit report many times and this credit bureau is not looking into this matter effectively. I do not know who this company is, and I have NEVER been in agreement with them. I do not owe this company, and I did NOT open an account with them in XXXX of 2022. I've asked in the past for THIS credit bureau to show me WRITTEN proof of an agreement between myself and this company and it was NOT provided, and the account remains on my credit report. If a written agreement with my signature can't be shown, please delete and remove this off my credit report ASAP! I will look into Legal matters if this problem continues to happen! 

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies12. It requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer.
Product: Student loan

I have XXXX federal loans that Navient sold off to the XXXX out right over 1.5 years ago and they still report to creditors monthly that I have defaulted on these loans. I attempted to get this resolved several times with Navient but they just say that I need to pay more on my other private loans if I do not wanting them to report the information. I explain to the person on the phone that each loan is reported sperately and the reason I do not pay them for these loan is that they are no longer serviced by Navient but they inevitably transferring me around to a supervisor which says they are it is an automated system and I will need to fax them the information or they can not do anything about it. when I send the fax I receive a conformation page but they say it went to a different branch or the fax went to another floor, so they do n't have access to the information. Once the manager said they would call me back once they file was uploaded to my account but they never called back. So I assume it still has yet to be added to my account. I believe this inappropriate and in correct reporting by Navient is being done intentionally and has caused significant false financial and credit damage to me and my Father ( co-signer ). This past year I missed a lot of scholarship deadlines because they are falsely reporting that I am delinquent. Costing me thousands in possible financial Aid, grants and scholarships. In addition to the fact that they have illegally monthly report that I am not paying on these federal loans and that I am in Default, which has brought my credit report significantly down for the part year and a half. I have spoken numerous times With XXXX and they say there is nothing they can do about it except report accurately that I have a payment plan in place and I am activly paying on the loans. I have reached out to my school as well as XXXX of the XXXX credit reporting agency 's they can not do much either except tell me that it is illegal and advise me to keep working on it. I feel very frustrated with Navient and they 're illegal practices that no one seems to be holding them accountable for. It is targeting me at best and at worst having a incorrect reporting system in place, that they have known about, and destroying countless others financial future for personal gain at worst. Please help advise me about what else I can do. ( I do have documentation to support my claim )
Product: Money transfer, virtual currency, or money service

TO WHOM IT MAY CONCERN I am writing this fax concerning claim # XXXX involving three online transfers of the amounts ( {$840.00} on XX/XX/XXXX, {$1400.00} on XX/XX/XXXX, and {$1400.00} on XX/XX/XXXX ) made from my current restricted account ( ending in XXXX ). I submitted a claim on XX/XX/XXXX concerning the online transfer which was made through an external account that was verified with my account ( ending in XXXX ). This external account happens to be a XXXX XXXX account not in my name which was being verified by Chase on XX/XX/XXXX according to my secure messages. 
As of now, the investigation period has closed and I was sent a letter this morning stating that my claim had been closed and my funds would not be refunded. I called numerous specialists and representatives about the details of the investigation and was informed that the transfer occurred from a familiar device : My XXXX. My XXXX is currently the name of the XXXX I own and I learned more from the Claims department that I logged in through Face ID verification. 
I went ahead to do some investigation of my own and noticed that I have three unknown devices that I do not own in my Device History. I proceeded to call the Claims Department and got in contact with a Claims Specialist who was able to confirm that no new devices were used to access my account. For the record, I personally own an XXXX and a XXXX only. In the Device History, three XXXX devices, two XXXX, and one XXXX is listed ( screenshot provided below ). The Claims Specialist was happy enough to provide me with the timestamp of the online transfers and they happen to be one minute behind from logins on my XXXX and an unknown XXXX device ( screenshot provided below ). As stated above, I do not own a XXXX device. I made sure to make a recent login through my XXXX and XXXX to verify this as there were no logins made into the three unknown devices after my account was restricted on XX/XX/XXXX.
Product: Debt collection

XXXX XXXX sent an outstanding credit card balance ( from a fraudulent credit card ) to Credit Corp Collections. This collections agency then contacted a lawyer XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX who forced me to pay {$1800.00} to settle this [ fraudulent account ] or take me to court. I never received any communications from XXXXy XXXX XXXXr Credit Corp solutions ( as they were sending me letters to an old address from where I moved out 8 years prior ). The first person to contact me at my current address was the lawyer, who was sending me the lawsuit notification. Thus, I was not notified properly regarding this debt collection. So, after I paid to settle the case ( the other option was going to court ), I then received a letter 2 weeks later from XXXX XXXX XXXX XXXXXX/XX/2023 stating that I was correct and the credit card was indeed fraudulent. I tried to contact the bank and credit corp solutions and the lawyer to get my money back however all they keep telling me is that they will investigate and will get back to me in a week. Over 6 weeks have passed and I have contacted them again and they still say they will investigate. 

In brief, XXXX XXXXXXXX XXXX Credit Corp Solutions failed to conduct reasonable investigations of disputed debts and failed to inform consumer reporting companies that information was being disputed, AND they continued to attempt to collect disputed debts without substantiating documentation and without properly notifying me prior to a lawsuit being sent to my [ correct ] address. 
The first action violated the Fair Credit Reporting Act and the second violated the Fair Debt Collection Practices Act. 

Please note I submitted XXXX other complaints regarding this matter which were already closed. However, I now have proof from XXXXXXXX XXXX that this was indeed fraudulent and not opened by me. 

I also spoke with XXXXXXXX XXXX CFPB on the phone regarding the update on this case. I will attach the latest letter from XXXXXXXX XXXX stating that this was indeed a fraudulent account that was NOT opened by me. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4700.00} XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4700.00}