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

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 


* XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
* XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
* XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
* XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
* XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
* XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not authorized and should not be reporting.
Product: Mortgage

My daughter had a XXXX in XXXX and she was out for XXXX months and she wasn't able to take herself or my XXXX grandkids. I requested a modification which was approved and I have to pay half of the cost. I had to pay my half on XX/XX/XXXX, but on XX/XX/XXXX my accounts was hacked the account that the money was supposed to come out of XXXX of the accounts but the account was locked. I immediate called each company that I had accounts with and explain what happened on XX/XX/2024. Each company was willing to help me until the case was done, expected Essex Mortgage Company. The company put my house in foreclosure and the company put on my credit that I was XXXX months behind along with another late payment for XXXX months. This has stopped me from selling my property and getting another house.
Product: Mortgage

During Covid, we had a death of one of the primary owners of the house, as well as another family member in the house and XXXX prevented me from working for a period of time, and we have struggled financially. We began a forbearance through XXXX XXXX in XXXX. In XX/XX/XXXX they set up a Mortgage modification plan where we paid {$1700.00} a month for three months and then they would modify our loan. We fulfilled those payments, and they sent us paperwork for the modification. We had the documents notarized and sent in with our first months check for the modification. They cashed that check and then did nothing and sold our loan to Roundpoint mortgage with it showing XXXX in arrears and they have been unwilling to honor that loan modification and have filed a default on us. We are trying to work with a HUD counselor, and get some funding from the Utah housing assistance fund but uhaf says they will only help with XXXX and we have to come up with the other XXXX before they will help. All we wanted was to get back to paying normally but no one would help us unless we came up with XXXX or {$70000.00}. My HUD counselor said she thought the cares act allowed for a silent second in this situation because people dont have the money to pay a lump sum. We were hoping to get the promised modification flagstar sent us because the payment was {$500.00} less than the original with half the interest rate. According to the everything I have read with the cares act and loan forbearance, it is not allowed or legal for the service or to require the lump sum at the end of a forbearance. A loan modification is required, or the missed payments are to be added at the end of the loan. So what they are doing is not According to the cares act. Please, any help you can offer would be incredible. Thank you so much. I have documentation for all the modification promises also.
Product: Credit card or prepaid card

I made an electronic payment to XXXX on XX/XX/2022 in the amount of {$1000.00}, to pay my balance in full, but the payment was never applied. Despite providing proof of electronic transmission, their investigation determined a payment was never received, and they are threatening to report me to collections. The bank has confirmed the payment was made. In addition to the original balance, there are now additional fees ( late fees and interest ) they say I am responsible for. I am unable to get in touch with anyone via phone to resolve this issue, and have only been able to communicate via their messaging portal. I also sent a certified letter over a month ago, and received no response.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following negative items listed on my credit report : XXXX XXXX - XXXX - {$1300.00} XXXX XXXX  - XXXX - {$0.00} These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.
Product: Student loan

In XXXX  2024 I received notification from Aidvantage that my scheduled payment had not been received ; and I contacted the loan servicer to inquire about the issue. I was provided with information again stating that the payment was not received. The company I work for makes the payment to the loan servicer as part of my salary benefit package ; after speaking with the agency Financial Director inquiries were made to their financial institution to file a chain of custody inquiry. The financial institution provided the agency with a copy of the endorsed and cleared check provided to Aidvantage ; which was forwarded to the loan servicer. When I have again on multiple occasions attempted to contact and resolve this issue of the supposed missing payment ; I have been given the run around and provided with the answer that the payment must not have been made because they have no record of it even though I have supplied them with multiple copies of that and other payments which have been made to the loan servicer on my behalf. The customer service agents for Aidvantage state they can not tell me who endorsed or deposited the cleared check because they do not have actual account numbers. I feel as though I am being discriminated against due to my XXXX American heritage and Aidvantage 's belief that I am irrelevant which leads to Aidvantage 's opportunistic exploitation of me as they have essentially robbed me of funds used to payback a student loan.
Product: Money transfer, virtual currency, or money service

I have concerns regarding Zelle 's handling of disputes. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle have failed to investigate my claims adequately. They informed me that recovering lost funds was impossible. The CFPB 's findings indicate that Zelle has neglected to protect consumers and also has allowed repeat offenders to exploit the system using users such as myself vulnerable to scams. I feel this is a lack of accountability, transparency and consumer safety.
Product: Student loan

Hello, I have an FFEL spousal consolidation student loan with my ex-spouse with Navient. When we were married we consolidated our individual government student loans in XXXX into this joint consolidation loan with Sallie Mae at the time. We divorced in XXXX and I have continued to make the monthly payments on the loan to keep it in good standing, however my ex-spouse has refused to pay anything towards the loan. We are also not on good speaking terms regarding financial matters. I have had financial difficulties in the past making the payments myself and therefore Navient/Sallie Mae at my request put the loan on an IBR plan with low monthly payments. During this time the interest continued to accrue substantially because of the large principle balance of both mine and my exs loans. Now the balance is larger than what it originally was and I feel that I can never pay it off alone. It has been 22 years since we signed for this loan, I have attempted many times to work with Navient to forgive some of the loan debt but they will not work with me. I have also reached out to local congress members for help but I have not had any help.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the accuracy and legality of the information contained in my credit reports with XXXX, XXXX, and XXXX, as provided under the provisions of 15 USC 1681 regarding the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit reports, I have discovered that there are entries indicating that you have furnished my information to third parties and obtained information about me. However, I want to emphasize that I have never provided written consent for you to furnish my information to any third party or to obtain information about me from any source. 

I am aware that under the FCRA, it is required that consumer reporting agencies such as yours obtain written consent from consumers before furnishing their information to third parties or obtaining information about them. This consent is a fundamental protection afforded to consumers to ensure the accuracy and fairness of the information contained in their credit reports. 

As such, I request that you provide evidence of the written consent that I allegedly provided for you to furnish my information or obtain information about me. If you are unable to provide such evidence, I demand that you remove all entries related to information furnishing and obtaining from my credit reports immediately. 

Please note that failure to comply with this request may result in legal action being taken against your agency for violations of the FCRA. I expect a prompt response to this dispute within 30 days, as required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to notify you that I have been a victim of identity theft, resulting in the appearance of several fraudulent entries on my credit report without my awareness or approval. XXXX Unapproved accounts and XXXX inquiries have been added to my report, none of which were authorized by me. 

ACCOUNTS - XXXX XXXX XXXX XXXX - XXXX XXXX INQUIRIES- XXXX XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have already filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft and now request the prompt removal of these fraudulent items to maintain the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian, XXXX and XXXX will investigate this account for me to ensure accuracy Here is the account I have asked you to asking you to verify as accurate : Account Name : XXXX XXXX XXXX Account XXXX : XXXX The Last Activity for this account on XXXX is XXXXThe Last Activity for this account on Experian is XX/XX/XXXX. The Last Activity for this account on XXXX is XX/XX/XXXX. This account isn't reporting at all on XXXX in the last XXXX years from XX/XX/XXXX to XX/XX/XXXX. This account is reporting on Experian as collections for the last XXXX years from XX/XX/XXXX to XX/XX/XXXX. This account is reporting on XXXX as positive payment history for the last XXXX years from XX/XX/XXXX to XX/XX/XXXX. This is inaccurate history reporting. If this item is from the same creditor, the information should be the same from all three bureaus. This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. XXXX, XXXX and Experian failed to investigate this account properly after I repeatedly asked via written request to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following account : Account Name : XXXX XXXX XXXX Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

NOT MY ACCOUNT. CAN'T GET REMOVED. HAVE SEVERAL. VICTIM OF IDTHEFT AND STILL HAVING ISSUES SINCE XX/XX/XXXXXXXX XXXX XXXX Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$1100.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX Balance {$1100.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ 0 Monthly Payment {$0.00} Original Balance {$1000.00} Highest Balance {$0.00} Terms 1 Months On Record UntilXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  IS FALSELY REPORTING 9 HARD INQUIRIES AND WANT THEM TO DELETE TODAY, THESE ARE UNAUTHORIZED.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX Account has violated my rights. 
15 USC 1681 Section 602 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

1x
Product: Mortgage

I applied for an XXXX Mortgage Loan thru Navy Federal Credit union. 

I more than covered the LTV with them and settled an old account before applying for this loan. 

I also made attempts to rectify any difference which they have not even called me about to discuss. 

They also denied my application based on false information they set in motion on my credit report which should have been satisfied by them. When I called, I was told by an agent that I still owed XXXX cents!!! Insane. 

They were also suppose to send me a letter to state I have settled the account and has not yet done that either. 

I feel I am being discriminated against and that they are retaliating against me for an old account I worked to settle with them and did this year. 

If I knew this would not settle the matter? and that they would hold it against me? I wish they would have told me that and I would have chosen a better pathway. To be clear, I did not! file bankruptcy which I could have done, I instead did my best to pay and settle the account which I did for more than {$6000.00} I sent in an appeal and reported it to the XXXX.
Product: Checking or savings account

On XX/XX/2022, I provided Alliant with the correct routing and account number to perform a transfer from my XXXX checking account to an Alliant Savings account. It was for {$200.00}. On XX/XX/2022, I received notice from this business claiming the transaction was reversed due to invalid account information. I did NOT provide invalid information. I have had this XXXX account for 30 years! I never entered a wrong routing or account number. I have used this account from XXXX numerous times over 30 years to pay bills online and do account money transfers. Obviously, this is a processing glitch on the part of Alliant.
Product: Debt collection

Portfolio Recovery has listed two negative accounts on my credit reports with monthly terms for accounts I have never owned. Portfolio Recovery has never sent me a dunning notice regarding these accounts and I have never entered into an agreement ( monthly or otherwise ) with them. 

Both accounts list XXXX XXXX XXXX XXXX  as the original creditor and I have never had accounts with that company either. Portfolio Recovery has also described themselves as a Factoring Company which they are not.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), ( XXXX ), ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S. C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX Open on XX/XX/2020 Account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and haro inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ONLY gone by either XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX XXXX, my entire life of XXXX yrs. Not XXXX or XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX placed a collection with Hunter Warfield for a rental property located on XXXX  XXXX XXXX, GA. The leasing agent who rented to me on or around XX/XX/2013 through XX/XX/2013 scammed me out of my deposit, I moved into the property but later found out around XX/XX/2013 that my deposit was never paid and XXXX XXXX XXXX states that I never paid them, now I have already been living their for a few months and want me to pay the deposit again and I said I already paid it. Come to find out the leasing agent that did my lease was fired due to collecting donations on a false claim and it just so happens my deposit was never paid. So I moved out due to the dispute. I have asked XXXX XXXX XXXX & Hunter Warfield to remove the account because they can not validate the debt ie : signed lease agreement or other validations. XXXX  has already removed account but the other 2 agency 's such as XXXX and XXXX have not removed it.
Product: Credit card or prepaid card

All these credit cards on my credit report have been resolved many years ago. I very seldom use a credit card for purchases. Chase Mortgage representative made error on my payment in XXXX XXXX on the monthly Payment and transferred the loan to XXXX who said they do not have authority to resolved the issue. It's been two years and I am a XXXX XXXX XXXX XXXX Veteran and this is causing me to have serious XXXX. Thank you for helping me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently received a copy of my XXXX credit report, and I noticed an late payments posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT XXXX I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b. 
Your company is in clear violation of the law. Under 15 USC 1681b - permisible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorly with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]. 
Best regards, XXXX XXXX
Product: Debt collection

Client Services has repeatedly called me at all hours of the day, nearly every day, since XX/XX/2022. I have blocked the multiple phone numbers that they use, and have told them to stop calling me. They have yet to do so. If needed, I can provide receipts.
Product: Debt collection

My complaints are against Experian for one they sent my disputes I had like XXXX cars on there that isn't mines, I have a XXXX debt on there that isn't mines I also contacted XXXX I've never owned a XXXX phone at all, I have a XXXX XXXXXXXX debt that was deemed indentity theft from XXXX  XXXX on there as a debt, my name is spelled several wrong ways on there, I see contract bills I know nothing about any contract and I've seen Texas addresses on there and I've never left fl at all I've only been to XXXX fl and from XXXX so I need help with this it has my credit messed up!!!