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

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; B US BKPT CT FL XXXX XXXX Docket # : XXXX Source : XXXX/XXXX/EF File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : XXXX XXXX BANKRUPTCY DISMISSED *** XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$11000.00} AUTO {$5800.00} XXXX - {$5800.00} XXXX XXXX XXXX XXXX BANKRUPTCY XXXX/EF  XXXX XXXX XXXX XXXX ( CHAPTER XXXX ) XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

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

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

4. The Late Payment Status is incorrect. 
XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

5. The Late Payment Status is incorrect. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

6. The Late Payment Status is incorrect. 
XXXX Account Number : XXXXXXXX Please correct/update this inaccurate information on my credit report. 

7. The Late Payment Status is incorrect. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

8. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Bank of America XXXX XXXX CMA # XXXX Last Friday, I noticed my online access to my XXXX XXXX account has been disabled, and I could not get into my account. After talking to a XXXX XXXX agent on the phone, he told me that the account is under review. They did not know why it is being reviewed and by what department, or why my online access has been disabled ... They just advised me to be patient, and that somebody will contact me regarding this account within the next 24 to 48 hours. I received no calls. So, after two days, again contacted the XXXX XXXX  agents on the phone, and this time, the agent told me the review might take a month or two ... and that there are no notes on the account explaining why the account is being reviewed, or what department has disabled my online banking, etc. I was just told that they also do not have access to this account other than the profile section, and that such an account exists ... I then politely said good bye and hung up the phone. 
I then called a few days later, talked to another agent on the phone, and after being told the same things over and over again, requested the account to be closed, and that they send me a check for the amount of {$13000.00} that is frozen on the account. He told me that he does not have the ability to close the account, but will submit a request, and if approved, a check will be mailed to my address at XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, IL, XXXX, USA. I have not yet heard back regarding this request, and I am out of {$13000.00} frozen in my XXXX XXXX account for no clear reason ... This is ridiculous, and hence, I am filing this complaint.
Product: Student loan

I graduated XX/XX/2023, and I completed loan exit counseling that month. I chose the standard repayment plan. My school reported my graduation to the national student clearing house. 

Nelnet still thinks I am in school. I have received no communication from them this year. I should have received notice that I am in grace period so I can plan for entering repayment when that ends. 

In XXXX I emailed Nelnet alerting them when I graduated but got no response. I called in XXXX, and they said I am still listed as " In School ''. I told them when I graduated and they said they would update that. Now it is XXXX and nothing has updated yet. This month I should be entering repayment, and I don't know when my due date is or how much I owe.
Product: Student loan

I recently applied to switch my IDR repayment plan to the SAVE plan on XX/XX/XXXX and also requested the 30-day forbearance while my plan was being changed. I received a confirmation from my servicer, Aidvantage, on XX/XX/XXXX that my request had been approved, however they immediately increased my next payment that was due on XX/XX/XXXX with no forbearance. I filed a complaint but have not yet received a response. Currently my account is showing a past due balance of {$260.00} for the payment on XX/XX/XXXX which should not have been charged, as well as charges for next month for a total of {$520.00}.
Product: Student loan

My loans were with XXXX for many years. I was contacted by a group called the XXXX They said they received my information from the Government as part of Obama 's efforts to reduce the burden of student loan debt and that they believed I qualified for a lowering of my payment. They said if they submitted for the program that I could also get my interest rate reduced if the payment reduction was declined. I asked the guy SPECIFICALLY if they based the decision on adjusted gross income or gross income. He said ADJUSTED gross. I was VERY interested in that as I have to stupidly high interest rate of XXXX % on my loans. They told me to stop making payments to XXXX while I went through the application procedure. That application was denied and I was then told that what the person I spoke to said about getting my interest rate reduced was also incorrect about that and that the approval process was based on adjusted gross income. I demanded a return of the payments I had made to this company which they said was a fee for the processing of the application, on the grounds that they misinformed me of what was actually possible. They reviewed the recorded calls and verified that I was correct and issued a refund. Then all of a sudden I started getting payment notices from a new company called FedLoan Servicing. Apparently buried the paperwork that I electronically signed it indicated that I was authorizing them to take over my loan when I applied for this supposed payment reduction program. This was again something that was NOT explained, and it very much upset me that they did this. I have come to find out that XXXX group and XXXX are owned by the same people. This is a scam and I feel I am entitled to compensation for the deceptive trade practices that this company performed.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my 2nd attempt I am interested in disputing all inaccurate information on my credit report with Equifax. checking all information alot of data is invalid an hindering my file. please remove all data that is listed to help my credit report asap.
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as Equifax, XXXX and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

A hard inquiry from Bank of America hit my credit file today and I did not apply for credit through Bank of America so it was a fraudulent attempt to gain access and use my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged of the items listed below which are showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$460.00}, XXXX XXXX  XXXX XXXX : {$1900.00}
Product: Checking or savings account

I believe it was XX/XX/2022. I pay my car payment myself not on auto pay and went to pay it and they told me they couldn't take the payment because of the bank Taking back 3 months of payments. And they gave me 2 days to get all the balance due or they were going to repo my car. So I called the bank and of course at first no one knew how it happened and were supposed to send the lender a letter explaining what happened and that they would return the payments to keep my car. But they didn't and the second day I got a call from work work saying they are towing my car. So I get back on with the bank and then contacted the corporate office and took them a like 2 weeks to reply in a email. Meanwhile I had to fill Bankruptcy because of that and I just built my credit up from a previous bankruptcy so I'm really mad about that! Anyway a few back in forths and a month later I heard back again and they are still looking into it. So in XXXX XXXX XXXX  you this happened in XX/XX/XXXX I grt a call from corporate office telling me there is nothing they can do because someone that didn't sound anything like me and that's their words but some how had my account info and had the payments pulled back! And this is after seeing several bank accounts in my name I didn't open. Anyway they said they can't do anything but me and my lawyer feels they owe me XXXX for the balance of the car they let someone takes payments back on! I'm pretty that's the dates but I have them and the emails. I stayed banking with them because my lawyer told me too in case they compensate me for my car. Never did and never heard back from them again.
Product: Debt collection

I got a phone call and Text from CBE collections. I see from there reviews that they are scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several accounts that are currently appearing on my credit report. These accounts are as follows : Dept of EdXXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which has been charged off. 
XXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which has been charged off. 
XXXX, account number XXXX, which has been charged off. 
XXXX XXXX XXXX, account number XXXX, which has been charged off. 
I believe that these accounts may contain errors or violations of federal law, including : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Fair and Accurate Credit Transactions Act ( FACTA ) Truth in Lending Act ( TILA ) Real Estate Settlement Procedures Act ( RESPA ) Equal Credit Opportunity Act ( ECOA ) Fair Credit Billing Act ( FCBA ) I am specifically concerned that your actions with respect to these accounts may have violated one or more of these laws. For example, the information on these accounts may not have been reported accurately, or the debt collection activity related to these accounts may not have been conducted in compliance with the FDCPA. 

I am requesting that you take the following actions to address these issues : Correct any errors or inaccuracies in my credit report related to these accounts. 
Cease any collection activity related to these accounts until the issues have been resolved. 
Provide me with any documentation that supports your position on these accounts. 
Respond to this dispute in writing within 30 days, and include a detailed explanation of how you plan to address these issues. 
I take this matter very seriously, and I am prepared to take legal action if necessary to protect my rights under federal law. 
Thank you for your attention to this matter. 

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

Unfamiliar and unauthorized inquiries on my file. I have made attempts to contact creditor. 

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

This is my follow-up 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I received a refund from Bank of America due to an unauthorized transaction on my edd prepaid account. The claim was paid in XXXX of XXXX. The claim was originally submitted XXXX of XXXX while I was in covid isolation after testing positive at a recovery house I was in. It was repeatedly denied when first submitted. I appealed everytime until finally it was paid .as soon as the refund was paid by bank of america they closed my account claiming that the state requested it be closed I received an email from the bank that the investigation has been completed and the refund will be permanent. The state did not request the bank to close the account and this was confirmed by phone to the bank during a 3 way call with the bank an edd representative and myself. I went on trying to get the matter cleared up unfortunately with no results Bank of America insist that XXXX closed the account, XXXX insist they did not nor do they have the ability to close the account XXXX issued final payment to bank of america XX/XX/XXXX of XXXX and my claim with them was closed. They had no knowledge of the claim with bank of America or when it was paid by bank of america. XXXX of XXXX while trying to get bank of america to issue a check for the balance of {$4000.00}. I was told by bank of america they sent the money to XXXX. For over a year I was told that the funds could not be released from a closed account. The state XXXX department claims no knowledge of the payment from the bank. 
Please help me with this problem You couldn't imagine the troubles I have been through because of this I don't know what else to do.
Product: Credit card or prepaid card

Despite a {$0.00} balance and oweing nothing to the store, XXXX XXXX  and XXXX XXXX are knowingly reporting false information to the credit bureaus. I have called XXXX XXXX and XXXX XXXX  DOZENS of times to to resolve the issue. XXXX XXXX was closed due to XXXX around the time of the incident and I was not able to contact XXXX until almost a year later once they reopened their physical location. XXXX XXXX once reopened acknowledged the mistake as well as provided a statement and email showing the correction and {$0.00} balance on account. This email and statement was sent to me in XXXX of XXXX but failed to do their due diligence to correct the negative impact it caused to my credit profile. 
Despite XXXX correction, XXXX XXXX  continues to report negatively and reported the account as charged off as well as a {$250.00} balance. I have dealt with nothing but incompetence for XXXX  years. 
XXXX furnitures XXXX XXXX XXXX reached out to XXXX XXXX in XXXX of XXXX multiple times to help correct the mistake.He responded by email but gave up once XXXX XXXX  was unresponsive. XXXX XXXX ignored this communication. 
XXXX XXXX, XXXX I walked into XXXX XXXX XXXX bank to speak with administration, and was given the operations XXXX ( XXXX XXXX ) at XXXX XXXX XXXX XXXX. He then called XXXX XXXX from stores land line to retrieve a letter stating the balance was not a charge off, not late and a balance of {$0.00}. XXXX XXXX  stated they would have to verify the stores " merchant number '' to pull information. They did not call back. 
The mix up occurred XXXX years ago and I have been dealing with this for XXXX  years. I have been denied loans and been impacted continually. This has gone on far too long. 

Around XXXX of XXXX an incorrect furniture delivery was made and returned ( picked up ) by XXXX XXXX shortly after. Im assuming They were negligent in relaying information to their servicer. This was at the start of XXXX. Everything was shut down and no one was responsive to calls. Once reopened, XXXX did acknowledge and attempt to communicate with XXXX XXXX. Now Ia m being told " admin recovery '' collections company is also reporting this.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : TransUnion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$41000.00} Repossession XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} Late/Open XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$30000.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} Late/Open
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax DEPT OF ED - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started my investigation on XX/XX/XXXX- I contacted the companies reporting these accounts and no information was given on the accounts. The accounts are unauthorized to the collection agencies and I do NOT owe these companies and per 15 USC 1692 Law no information given and not notified within 5 days. I have not heard back from you in over 30 days since my formal written notice of disputed datedXX/XX/XXXX and since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.