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

The following variation are inaccuracies of my proper name " XXXX XXXX XXXX XXXX '' and any improper spelling of my actual name is a crime and a federal offense pursuant to Title 18 U.S. Code 1342 - Fictitious name or address and imposes a penalty where XXXX " shall be fined under this title or imprisoned not more than XXXX years, or both. '' The following names are a violation of Title 18 U.S. Code 1342 and I demand their immediate removal from my Consumer Report and Consumer File XXXX XXXX Name identification number : XXXX ; XXXX XXXX XXXX Name identification number : XXXX ; XXXX XXXX XXXX Name identification number : XXXX ; XXXX XXXX XXXX Name identification number : XXXX ; XXXX XXXX XXXX Name identification number : XXXX ; XXXX XXXX XXXX Name identification number : XXXX ; XXXX XXXX Name identification number : XXXX ; XXXX XXXX Name identification number : XXXX ; XXXX XXXX Name identification number : XXXX ; XXXX XXXX XXXX Name identification number : XXXX ; XXXX XXXX XXXX Name identification number : XXXX ; XXXX XXXX XXXX Name identification number : XXXX ; XXXX XXXX Name identification number : XXXX ; The following Addresses are also a result of federal law violation pursuant to 18 U.S. Code 1342 - Fictitious name or address and 18 U.S. Code 1341 - Frauds and swindles I demand the following address be removed from both my consumer report and consumer file as they pertain to fraud and identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX note XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Apartment complex XXXX Important note XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Single family XXXX Important note XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Apartment complex XXXX Important note XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Multifamily XXXX Important note XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The business failed to refund a credit balance for overpayment due to a glitch in its auto payment function for more than 30 days. As a result, I incurred {$54.00} in overdraft fees from my primary banking institution. I called the business multiple times, first on XX/XX/2022 to request a refund. After being told that a draft was being sent to me that day, one was supposedly sent on XX/XX/2022 ( seven days later ). After 30 days and multiple calls, I was told that a draft was never sent and the business would issue a credit to my account. During this timeframe, I incurred fees as a result of not receiving my refund timely.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/year> Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. Below are the details of the disputed account : **Account Name : ** XXXX XXXX XXXXAccount Number : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, XXXX, and Experian for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, these credit reporting agencies has consistently responded within 24 hours stating that the account is accurate, without providing any evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i, Which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 'S recent administrative proceeding against them for similar violations. I request that the CFPB take action to ensure these companies complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts names that I have requested review due to inaccuracies : XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX,
Product: Debt collection

The dispute is in regards to a collection agent known as Transworld Systems INC. The original creditor is listed as XXXX XXXX. I have a XXXX balance with XXXX. The last 3 payments were made XX/XX/XXXX ( {$240.00} ), XX/XX/XXXX ( {$100.00} ), and XX/XX/XXXX ( {$1.00} ) to close out the account. As of the time of writing this I have a XXXX  balance with XXXX. Ive contacted XXXX about the said debt but they have no recollection of passing it to a collection agency. When I attempt to contact the debt collector my mail has come back returned. The number listed on my credit report is also a fraudulent number that directs to a sales company thats not associated with Transworld Systems INC
Product: Credit card

Account # XXXX XXXX XXXX Care Credit Synchrony Bank GE I entered into a debt management plan with XXXX XXXX XXXX XXXX XXXX XXXX which set up a program with Care Credit GE Synchrony Bank on my behalf. Prior to setting up the XXXX plan I cancelled a plan with another firm called XXXX ( due to service and fees ). Care Credit cancelled my XXXX account in error. I have made over 15 calls to Care Credit to speak with Care Credit XXXX with no access to their department and thus no response. No one at Care Credit would help addressing this mistake. XXXX has made XXXX calls on my behalf. Recently XXXX and myself tried to set up a XXXX conference call which placed us only in an automated message. I want to speak with Care Credit to address this mistake. My account has been negatively affected due to this misunderstanding
Product: Credit reporting or other personal consumer reports

Mixed File : Mixed credit report of another person with a similar name with mine and is causing all their debts to show up on my report
Product: Debt collection

This debt collect continues to report false information for a debt I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been over thirty days and the creditor has not updated the information nor has provided proof or documentation in regardless to a late payment. They have not supplied this information and they must delete the aleged late payments o my credit report. Under federal law they have thirty days to complete the investigation And by failing to do so my rights have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian report XXXX remove my XXXX payment because I sent proof. This is illegally for them to put inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

I'm writing this to request the following fraudulent and inaccurate accounts be removed from my credit report for the following reasons listed these are clear violations of my consumer rights the IRS states If your debt is forgiven in collections or discharged by creditors for less then the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 US 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Producing without lawful authority an identification document or a false identification document ( 18 U.S.C. 1028 ( a ) ( 1 ) ) ; Transferring an identification document or a false identification document knowing that such document was stolen or produced without lawful authority ( 18 U.S.C. 1028 ( a ) ( 2 ) ) ; 15 US 1681 ( a ) and c-2 Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) Notification to consumer If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.
Product: Student loan

XX/XX/XXXX : I took out student loans to attend XXXX XXXX in XXXX  XXXX, CO. I was told they were Federal Student Loans ( FSL ) & were eligible for any and all protections/services as they were FSLs. The servicer was XXXX XXXX. 
XX/XX/XXXX I filed XXXX  XXXX bankruptcy ( XXXX District of XXXX  ) and the student loans were included in the bankruptcy proceeding. The student loans were transferred from XXXX XXXX to XXXX and updated to reflect the bankruptcy claim XX/XX/XXXX ( see attached student loan data from studentaid.gov with a breakdown of 3 FFEL student loans that were serviced by XXXX XXXX, transferred to XXXX, and included in bankruptcy. 
XX/XX/XXXX I received a bankruptcy discharge. XX/XX/XXXX the FFEL loans were put into repayment by the servicer. When I contacted them by phone, they stated that student loans are not dischargeable in bankruptcy & I was required to pay on the student loans. From XX/XX/XXXX through XX/XX/XXXX, I was unable to pay and these loans were in deferment or forbearance. I began repayment, despite the bankruptcy discharge more than 3 years prior. I continued to pay several years. In XX/XX/XXXX, there was a payment & interest pause announced to assist student loan borrowers during the Covid emergency. When I contacted Navient, I was told that my loans do not qualify for payment pause and interest would continue to accrue. Despite multiple lawsuits against Navient and XXXX XXXX, I somehow was unable to get relief from the predatory loans, serviced by predatory lenders, practicing illegal collection activities of duly XXXX loans, for a school that was shut down due to their illegal, deceptive, and fraudulent practices. I inquired with Navient countless times about relief that was being granted to borrowers who were defrauded by XXXX XXXX and Navient. Every single time, Navient told me that I did not qualify for any relief and I was still obligated to pay. 
The FFEL loans were paid off in XXXX. These loans that should not have ever been collected on. The federal government is now discharging and refunding borrowers who are in my exact situation, however, I never seem to qualify for any of the discharges, refunds, or other relief provided to those in my situation. I filed a borrower defense claim XX/XX/XXXX ( application # XXXX ) and am a post-class member of the Sweet v. Cardona case. Additionally, I was advised my loans *should* be part of Manriquez v. Cardona . 
Despite all of the steps I have taken to obtain relief from Navient and XXXX XXXX, I was forced to pay thousands of dollars for student loans that were discharged in bankruptcy, part of multiple class action lawsuits, to servicers who were sued by multiple government agencies. 

https : //www.consumerfinance.govXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I had a loan with Honda Financial Services since XXXX. I paid timely and was never late. I paid this loan in full in XXXX of XXXX. This vehicle was purchased with proceeds from the XXXX XXXX XXXX XXXX. So my obligation to Honda Financial Services ( HFS ) ended and the debt was completely liquidated at that time. I have documents to support this. 
After that fact, HFS paid an amount for vehicle taxes of approximately {$690.00} and sent me a bill. I did not agree that I owed that money to the taxing authority and liquidating that tax debt could undermine my ability to get it corrected by the taxing authority. I believe the tax was calculated incorrectly. Nevertheless I paid HFS but not after they reported me as being 30 days late on the account : an account that was paid in full. I never gave them permission to reopen the credit, nor to pay these fees on my behalf after they had no further right, title or interest in the property. I have been billed separately by the County of XXXX for taxes due on this vehicle. The amount paid by HFS is not a legitimate debt ; is related to a loan that was paid in full and they " reopened '' the credit, on a non-revolving account without my consent and without lawful authority. I sent a letter with return receipt requested with supporting documentation. The matter was removed from my credit at that time. It has since reappeared, so I asked that it be removed. Now Honda claims it is legitimate! This is a blatant violation of not responding timely ( within 30 days ), removing the item and XXXX causing its reappearance. 
Moreover, it is not a legitimate debt. I paid that loan in full in XXXX of XXXX. How can I possibly have been 30 day delinquent in XXXX XXXX. Please help me regain my good credit. Please guide me in any further recourse I may have against Honda.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple unauthorized hard inquiries on my credit report that resulted from my auto loan application at XXXX XXXX in XXXX XXXX, Florida. While I did inquire about financing, I only authorized one credit pull, but the dealership submitted my application to multiple lenders without my explicit consent, leading to an excessive number of hard inquiries. 

The following unauthorized hard inquiries need to be removed : 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ALLY FINANCIAL 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 Reason for Dispute : I did not authorize multiple credit pulls. 
Under the Fair Credit Reporting Act ( FCRA ), inquiries must be permissible and authorized by the consumer. 
XXXX XXXX engaged in shotgunning submitting my application to multiple lenders without my consent. 
This excessive number of inquiries was not part of my agreement, and I was not informed that my credit would be pulled this many times. 
Since these inquiries were excessive and unauthorized, I am requesting that they be removed immediately. If these inquiries can not be verified, they must be deleted from my credit report, as required by the FCRA ( 15 U.S.C. 1681i ).

I have enclosed the following documents to support my claim : A copy of my credit report with the disputed inquiries highlighted A copy of my drivers license or government-issued ID A copy of a utility bill or bank statement for identity verification Please investigate this matter and provide me with a written response within 30 days, as required by law. If you need any additional information, feel free to contact me at XXXX or XXXX. 

Thank you for your prompt attention to this matter.
Product: Debt collection

Mr. Cooper Group Inc et al., has not validated the debt. They continue to send letters that have diffrent pay off quotes none of which are the same. This shows that the XXXX, GAAP. This is the second flurry of letters that do not validate debt. Mr. Cooper has tried to have XXXX XXXX  collect the funding by placing XXXX XXXX  information in the letter for me to remit payments to them. I have not done business with XXXX XXXX. So this request makes XXXX a debt collector for a debt that is not validated as well. I also recieved a letter via XXXX stating that there was a lien in place. The only lien that is on the public record is my UCC 1 with financing statement on the orginal promissory note referencing the location of the real property real property. The company couldn't pefect a lien if they wanted to because I am not a debtor. They failed to pay the taxes and file the note now security and register it into a XXXX. Therefore, they have a taxable termination. I will pay the local taxes personally but they need to answer to the IRS for the funding that is not being registered and secondly the taxes that are not being payed from not registering this security into a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 credit reporting agencies notifying them that these had inquires listed below are inaccurate and not authorized by me.I have ask over 45 days ago to Please investigate and remove this inquiries from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. I have sent letters via certified mail as it requires prompt attention and response from them to Please forward any documentation that they may have in regards to the removal of this credit inquiries. They are not cooperating and have not removed these inquiries that are affecting me. 
XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX   XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX Inquiry : XXXX. XXXX, XXXX. XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX. XXXX XXXX Inquiry : XXXX. XXXX, XXXX. XXXX XXXX   Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX.
Product: Credit card or prepaid card

i have a credit card for carecredit which is owned by Synchrony bank. In XXXX 2017 i received a letter from JcPenny ( owned by synchrony bank ) to say I applied for a store card. Which I did not. I called Jcpenny  Immediately and they assured me they would report this as fraudulent. I spoke with XXXX on XXXX/2017. I obtained a report from XXXX to notice that a number of searches were applied for or credit card/store card attempts to open in my name with the same bank! listed on my report using XXXX credit services were, Walmart, Lowes, XXXX, JCPenny I called Synchrony bank again they advised me that the fraudulent searches would be deleted from all 3 of my credit files. I also filed a police report for fraud on XXXX XXXX with XXXX XXXX sheriffs department with DS XXXX XXXX. I reviewed a copy of my recent credit file yesterday to discover that Synchrony bank nearly 3 months after this event happened have still not removed the fraudulent searches on my account. I have reason also to believe that they have been a victim of a data breach as all fraudulent credit cards and searches applied for in my name, walmart, lowes, etc are owned by Syncrony bank.
Product: Bank account or service

I had previously filed a complaint because I suddenly started getting {$25.00} monthly service charges on an account that had never been charged. The response I got was that my checking account was no longer tied to a mortgage account, so I would now be getting charged. Well, my account was never a mortgage account in the first place. I 've never even had a mortgage for it to be tied to. Your reason for charging me this fee each month is invalid. I was issued " courtesy '' credits for a few months, but found that I 've been charged again for XXXX XXXX and XXXX XXXX. I 'm sure I 'm about to be charged again for XXXX XXXX. I would like a refund of the charges, and my account fixed so that it is like it was before. All I had to have was direct deposit to avoid monthly fees, and I 've had direct deposit for as long as I 've had the account. Please, do not send me any more freaking terms and conditions and cardmember agreements. They are n't even valid since my account was never tied to a mortgage! Do NOT call me. Email or regular mail only.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, IN XXXX Subject : Request for Form 1099-C ( Cancellation of Debt ) Dear ONEMAIN, I am writing to request that you issue a Form 1099-C ( Cancellation of Debt ) for the debt that was canceled in my account XXXX with your institution. As required by IRS regulations, I understand that you must report any canceled debt of {$600.00} or more, and I want to ensure that this is accurately reflected for my tax reporting. 

As reported in my credit reports, the canceled debt relates to the amount of {$1700.00} and was discharged on XXXX. Please send the 1099-C to my address listed above or provide instructions if there are any further steps required to receive the form. 

If you need any additional information, please do not hesitate to contact me. I appreciate your prompt attention to this matter. 

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

This is not an account that should be on my report. I have never lived In This complex. 

I have been a victim of identity theft. and will be attaching an affidavit to this report.
Product: Student loan

I submitted a PSLF form on XX/XX/XXXX. On XX/XX/XXXX I was notified by MOHELA of an error in my employer 's signature and was asked to resubmit. I submitted the correct signature required that same day, XX/XX/XXXX. 

On XX/XX/XXXX, I called MOHELA to confirm that the XX/XX/XXXX signature was sufficient for processing. The rep confirmed that the signed form submitted on XX/XX/XXXX was acceptable. To be safe, I submitted another PSLF on XX/XX/XXXX with a note that it was a correction to the original form submitted XX/XX/XXXX. 

On XX/XX/XXXX, I called again to confirm that the form submitted on XX/XX/XXXX was admissible and to see if there was any way to expedite the arbitrary and egregious 90 day processing time. At this time, the rep I spoke with informed me that the XX/XX/XXXX form was incomplete and therefore not acceptable. I told him that the rep I spoke with on XX/XX/XXXX confirmed that it was, and I requested to speak with a supervisor to make sure. 

MOHELA reps do not have consistent information and the company itself shows blatant disregard for student loan borrowers. There is no incentive for them to process PSLF applications in a timely manner since they are compensated for servicing the millions of dollars in loan balances that they hold. 

With electronic forms and technological advancements there is no reason why it should take at least 90 business days to process a form. I'm requesting assistance from the CFPB because this process is intentionally cumbersome to the consumer and limits the borrower 's ability to seek jobs outside of the non-profit sector and earn competitive wages.