23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern, I am writing to formally dispute an entry on my credit report. Upon reviewing my recent credit report, I identified a potential violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( a ).

According to the FDCPA, a debt collector is prohibited from communicating with a consumer regarding the collection of a debt without prior consent from the consumer or the express permission of a court. It appears that a debt collector has made communication attempts concerning a debt on my report without having obtained the necessary consent or court authorization. 

Details of the Disputed Entry : Credence Resource Mana XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Disputed Amount : {$820.00} I request that you investigate this matter and provide confirmation of the correction or removal of this entry if it is found to be in violation of the FDCPA. Additionally, please provide me with a written response detailing the results of your investigation and the steps taken to rectify this issue. 

Furthermore, XXXX is legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure accurate reporting of consumer information. I, the consumer informed XXXX that all the inquiries reported were fraudulent. According to the law, once a federal trade commission ( FTC ) report is filed XXXX is required to remove all disputed items from the report within 4 days, pending investigation Lastly under U.S.C 1692C ( Section B ) Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

Please consider this letter as my formal dispute and request for an investigation as mandated by the Fair Credit Reporting Act ( FCRA ). I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Transunion emotional stress me out and for storing, sharing a furnishing Collection account they deleted and put back on with out following the law It is my understanding that under the FCRA, you should have notified me about this first in writing in 5 business days.. Transunion willfully and intentionally continue to share, furnish inaccurate information an never showed me proof that. This cause me to lose employment opportunities. Transunion neglected to do their graves responsibilities and a reporting agency making sure consent was given witch is an invasion of my privacy.
Product: Mortgage

Select Portfolio Servicing has preventing me from refinancing my mortgage since XX/XX/2019. Theyve continued coming up with excuses and fees for why they arent able to assign the mortgage to the new lender.
Product: Student loan

To whom It May Concern : In XX/XX/XXXX I made what I thought would be a life changing/improving decision to attend the University of XXXX to become an XXXX XXXX XXXX. However, after obtaining my XXXX, I decided to switch my major to become a XXXX XXXX. My counselor suggested I switch to XXXX XXXX XXXX to fulfil my wish to become a XXXX XXXX.

To my surprise, just before graduating with my XXXX XXXX XXXX, I learn that my degree did not qualify me to take the exam to become a Louisiana Licensed XXXX XXXX. I phoned my counselor to learn she was no longer with the department and was assigned a new counselor, who apologized but offered no explanation for this major miscommunication.

After graduating I came to the rude awakening that the degree I dedicated four long years and $ XXXX to wasnt anything more than two expensive pieces of paper. During my time at XXXX the school highlighted its creditability with employers with the XXXX XXXX campaign, which was another misleading advertisement. However, I learned that XXXX was not an accredited school during my attendance, yet I was informed by XXXX   they indeed were an accredited school.

After graduating it took almost a year to land a job related to my field making $ XXXX  ( this was in XX/XX/XXXX), today ( 5 years later ) Im finally making $ XXXX. Due to the rate of pay, my student loans remain in deferment and I dont know how I will ever repay them with the quality of my degree. As I apply for positions I meet qualifications for, I am learning that my degree is not recognized by employers and my resume is not considered for the position because of my XXXX degree.

As an adult student, I took my education very seriously graduating with a XXXX GPA. I am very proud of myself for this accomplishment because with online classes it is up to the student to succeed ; meaning the student basically self teaches and the teacher simply provides grades for assignments they post. However, employers never get the opportunity to see the superior qualities and skills I possess because my degree stops employers dead in their track when reviewing the resume.

I am very upset that I put myself and my family in a financial crisis with the promise of a brighter future. I realized up front that the investment would be a large one, but with the encouragement from XXXX  counselor and family it was one I was willing to take. However, I have come to realize that my degree was a $ XXXX  scam and attending XXXX  was the ringleader in this scam.

Please help me get justice. I was highly misled by XXXX, turning what was intended to be a step up on the ladder of life ; yet turned into a nightmare I can not afford nor wake up from and Im drowning at this point.

Thank you, XXXX XXXX XXXX ( XXXX ) XXXX   XXXX XX/XX/XXXX IRN : XXXX Attendance dates : XX/XX/XXXX-XX/XX/XXXX
Product: Credit card

Synchrony Bank discriminated against me for extension of credit. 

XXXX XXXX XXXX
Product: Credit reporting

XX/XX/2013 I pulled my Credit File and discover that XXXX, which is a copy that Mortgage Companies use to pull individuals who are in the market to get a Mortgage unlawfully violated my Constitutional Rights by accessing my Credit Information without my CONSENT! 
I discovered the unlawful violation when I pulling of my Credit File in XXXX, 2013 via my Experian Credit Report which reflects the 'INQUIRY ' by XXXX. 
I disputed the unlawful act with Experian and they removed the information from my credit file. 
However, I made several attempts to get XXXX to provide to me the 'CONSENT ' documentation that they received from their client ... XXXX XXXX so that I could find out who and/or what individual with XXXX XXXX that requested my CREDIT INFORMATION to be 'SHARED/DISCLOSED ' to XXXX XXXX. I mailed via Certied Mail requesting that XXXX respond to me in 'WRITING ' with providing me the information that I was seeking so that I could find out how requested my information. 

XXXX REFUSED to provide to me that information/documentation from their files that reflect the name of the party from XXXX XXXX who placed the unlawful request for my information, thus invading my PRIVACY, as well as Violating My Constitutional/ Civil Rights with the unlawful access into my Credit FILE without my CONSENT! 
The attached documentation from Experian reflects the FACT that EXPERIAN released my information to XXXX via XXXX 'S request for my information for a 30 Year Mortgage which I NEVER APPLIED FOR, NOR GAVE CONSENT to XXXX to release my information. I 've made several attempts requesting that XXXX provide to me the information/documentation from the parties/XXXX that requested my Credit Information and XXXX has refused to respond to ANY of my numerous inquiries! This COMPLAINT is NOT AGAINST EXPERIAN ... it is against XXXX for THEIR unlawfully violation into my CREDIT FILE without MY CONSENT!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, Equifax, and XXXX  over 60 days ago and I still haven't received any response from any of them. I feel like I am being taken advantage of and ignored on my disputes. I'm heavily stressed and I hope the CFPB can help me resolve this issue AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

Experian allows people to create accounts where they can see and make changes to their credit report. Someone with a different email and contact information than me used that information to create or update an account with access to my credit file. Now that fraud account has full control of my credit report and I have no access. I have called and Emailed Experian multiple time and they will do ABSOLUTELY nothing about the fraud.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX, A Victim of identity theft, request removal and deletion of the listed accounts on my Transunion credit reportXXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year>.
Product: Credit reporting or other personal consumer reports

discover account was taken during my identity theft and funds transfered to creates new account I proved fraud and identity theft with my identity theft restoration XXXX and was assured i was covered but they just closed the account and put a negative mark in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I had an auto loan through Santander that was paid in full and closed ( in good standing ) in XX/XX/XXXX. Recently, while reviewing my credit report to prepare to apply for a mortgage, I noticed that Santander reported to all three credit bureaus that I missed payment in XX/XX/XXXX- the month my account was paid in full. 

On XX/XX/XXXX, I disputed the information with all three bureaus. My history was accurately updated with XXXX. When reporting information to both XXXX and XXXX, however, Santander removed the original inaccuracy, but included new, blatantly inaccurate information : my credit report with both bureaus now indicates that I missed a payment in XX/XX/XXXX - XXXX months AFTER my account was paid in full. 

On XX/XX/XXXX, I disputed this new inaccuracy. On XX/XX/XXXX, Santander responded to XXXX and failed to remove this obvious inaccuracy, which is in clear violation of the Fair Credit Reporting Act. 

While I have disputed this information for a XXXX time, this information is negatively impacting my credit score, causing me to qualify for a mortgage rate that's higher than what I would otherwise qualify for if the information were accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I submitted a cfpb compliant ID # XXXX against XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX. XXXX replied on XX/XX/2022 alleging that I still have an outstanding balance of {$2400.00} which is different from what they are reporting to the credit reporting agencies. In XXXX response, they alleged that the balance at the time of loss was {$14000.00}. The breakdown of the settlement from XXXX XXXX XXXX, XXXX stated the contractual Payoff at the time of loss was {$13000.00}. XXXX stated that they received {$11000.00} from the insurance company and {$70.00} from the XXXX company. They did not include the XXXX refund for {$460.00} that XXXX still had as I never received a refund. On XX/XX/2022, XXXX stated in the attached response that they would mail me a copy of the audit, signed contract, and payment history. Today is XX/XX/2022 and I have still not received anything from XXXX.
Product: Student loan

I have XXXX private loans totaling about $ XXXX with Navient. They used to be with XXXX XXXX, but are now serviced by a company that I believe is fraudulent and inappropriate. Having had loans with XXXX XXXX for nearly 20 years, I have NEVER had any problems and am up-to-date on my payments. This month, I just want to speak with someone to request an adjustment for two months ( I am a XXXX and cash flow is slow right now, so I would like to pay interest only for 2 months ). However, I call their customer service number and am put through to a person trying to sell me coupons. Once I was done with the telling the person I did n't want his deal, he hung up - I was never put through to discuss my loan. I called again and had to go through XXXX different recorded advertisements for " deals '' only to get through listening to everything and it said, " Please hang up now. '' I tried again and received a new phone number to call - XXXX - that was another road to nowhere. Basically, there is no customer service. This company is servicing $ 11K of my private loans with interest, they have access to all of my personal data including my bank accounts, and they appear to be running a scam. I had NO say in who took over my loans from XXXX XXXX - but while XXXX XXXX was n't fabulous, they appeared to be a business with an actually staff and customer service that did there job. Now, I have with absolutely no control over the circumstances been put at the mercy of Navient and have my private information with a company that I do n't feel has the integrity or infrastructure or knowledge to be managing ANYTHING related to my student loans or finances. This is completely and totally ridiculous. If you do not actually have service members to service your customers and you are essentially running " deals '' over the phones to channel your customers to dead ends when they need questions answered, you are likely running some fraudulent enterprise. I do not know what to do, as I do NOT want this company to have any involvement in my personal world and want a company/bank with integrity to service my loans instead. What are my options? 

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

XXXX - Return Order ( Order XXXX ) Label provided bXXXX XXXX - Tracking # XXXX ) XXXX XXXXXXXX - Equipment returned to XXXX via XXXX XXXX XXXX  using return label provided by XXXX XXXX - Letter to XXXX disputing charge - {$290.00} XXXX - Letter to XXXX disputing charge - {$290.00} XXXX - Letter from XXXX requesting payment - {$290.00} XXXX - Letter to XXXX disputing charge - {$290.00} XXXX - Letter from XXXX  " Final Notice. '' - {$290.00} XXXX - Letter to Convergent Outsourcing disputing charge - {$360.00} - {$360.00} XXXX - Accessed XXXX Report # XXXX XXXX XXXX Received letter from Convergent - claims to have " verified the information with the original creditor. '' - {$360.00} - {$360.00} XXXX - Email to Convergent disputing charge - {$360.00} - {$360.00} XXXX - Received phone call from Convergent - Asked them to call back in a couple of hours -- they agreed but never called. 
XXXX - Email to XXXX regarding their " response '' to XXXX. 
XXXX - Opened dispute on XXXX Tried tracking shipment -- XXXX could only track back 18 months. All they could tell me was that it had been delivered. Credit Score dropped almost XXXX points with this " collection. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried many times to place a credit security freeze online at XXXX. I put in all the correct information ( I have no XXXX or XXXX, XXXX, etc after my name ). After entering all the required information correctly, the website reports the folllowing : " Additional Information Required We 're sorry ... we can not process your online request concerning an XXXX  security freeze. To assist us in processing your request please submit in writing the required items outlined below. 

For all security freeze requests please submit the following ID information : your complete name including any suffix ( e.g. XXXX, XXXX, etc. ), complete address, Social Security number and date of birth. 

For the Placement of a security freeze, please provide the above required personal ID information. 

To temporarily lift a security freeze, you must submit all of the following along with the required personal ID information : - 10-digit personal identification number ( PIN ) - Date range ( e.g. XXXX XXXX - XXXX XXXX ) or proper information regarding the third party ( ies ) to receive your credit file ( e.g. XXXX ) To permanently remove a security freeze, you must submit all of the following along with the required personal ID information : - 10-digit personal identification number ( PIN ) - Two ( 2 ) forms of identification ( eg.Pay stub with address and utility bill ) Please return your required personal ID information along with any additionally required information noted above to : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Please include payment by check or major credit card for the appropriate fees. For XXXX, XXXX, XXXX or XXXX XXXX payment, please include your name as it appears on the card, the card number and the expiration date. Please click here for the fees associated with your state 's security freeze. 

We will provide you with written confirmation of the successful completion of your security freeze request. 

To make a security freeze request with the other national consumer credit reporting agencies, please contact XXXX and TransUnion : TransUnion XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, TX XXXX ( XXXX ) XXXX ( XXXX ) XXXX Thank you, XXXX XXXXXXXX XXXX XXXX " XXXXn and XXXX allows me to do this on-line. This demand of performing a freeze request by mail is an undue burden and obstacle put in place to deter the consumer from doing what is his/her legal right. XXXX only wants to continue profiting off information about the consumer, to the consumer 's detriment. XXXX can not be trusted with distributing my information securely nor admitting failure to do so in a timely manner to enable me to protect myself from identity theft. 

Why is n't there regulation against this?
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had applied directly through bank XXXX XXXX and were pre approved for {$55000.00} auto loan through XXXX XXXX, which is our bank. I found a vehicle at XXXX XXXX XXXX. When we got tot he dealership it was not the vehicle that the had told us about. There were suppose to have a new vehicle that met our expectations. The company wanted to start the process even though the vehicle was not there yet, they wanted to the paperwork process so I gave them a letter from XXXX  XXXX and I told then not to run our credit and I had been pre-approved through our bank. I was alerted through XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX that there were several new inquiries on my credit bureau that were not authorized. So I spoke with the general manager at XXXX XXXX XXXX and asked why they ran our credit without my permission. His response was, " well your credit was already low. '' I informed him that I was going to file a complaint because he was not authorized to run my credit through any other bank. I contacted via phone XXXX, XXXX and Equifax directly to dispute the inquiries that I did not authorize. I explained that the only bank XXXX XXXX XXXX was authorized to run my credit with was XXXX XXXX since we already had our letter and this was our lender. I requested that all other bank inquiries be removed and I was told by each that it is legal for an auto dealership to run your credit through several banks and all of those additional bank inquiries would remain on my credit report for 24 months. I did not authorize XXXX XXXX XXXX to run additional bank inquiries and that does not make it right or legal for them to do so.
Product: Credit card or prepaid card

Amazon Store Card I have not been using this card since XX/XX/XXXX so I have not been checking my account because I know I don't use. Then I get an alert on my billpay XXXX  that I have been flagged as delinquent. I have NEVER been deliquent on any bills IN MY ENTIRE LIFE and this was the first. 

Their user interface is horrible and the most I have been able to go back is to this date on my card. I can not see past the 90 day period to find out when these charge have started. This XXXX  fraudulent charge has happened to me before and I was able to dispute it. But this time they are taking their time. When I found out that I had multiple delinquencies, I disputed it, around XX/XX/XXXX or XXXX XXXX. I was told to follow up after a month which is today XX/XX/XXXX. Now this guy XXXX XXXX from amazon store card XXXX XXXX tells me it takes about XXXX billing cycles to resolve the dispute. I ask him when I should follow up and he does not give me a clear answer. He says " I will raise a dispute from my end once again '', " we will work as best as we can and as fast as we can.. we will send letter once resolved '' .Also their user interface to log into the amazon store card is so difficult to find, It usually leads you to the amazon store first and . very disappointed with this company. I find out this week that they have closed my account before the dispute is even settled. Good thing they are still letting me log into my account but I do not know for how long. 

Fraduluent Charge XX/XX/XXXX XX/XX/XXXX INTEREST CHARGE ON PURCHASES {$2.00} XX/XX/XXXX LATE FEE Payment Due Date XX/XX/XXXX {$40.00} XX/XX/XXXX XX/XX/XXXX MINIMUM INTEREST CHARGE {$1.00} XX/XX/XXXX LATE FEE Payment Due Date XX/XX/XXXX {$40.00} XX/XX/XXXX XXXX XXXX XXXX XXXX WA XXXX Premium Plus SHIPPING AND TAX {$16.00} XX/XX/XXXX XX/XX/XXXX MINIMUM INTEREST CHARGE {$1.00} XX/XX/XXXX LATE FEE Payment Due Date XX/XX/XXXX {$11.00}
Product: Credit card or prepaid card

The Citi website advertises that they partner with XXXX for credit history. I know that my credit union reports my credit score to XXXX so I went ahead and applied for a Citi credit card. I was denied and then when I called to check why I was denied the reason was because I had a limited credit history which was pulled from XXXX. I called the customer service line to ask why my credit history was just pulled from XXXX when they advertise that they pull from XXXX. The customer service representative stated that it is random which company is used and they will only use one or the other. I asked that since they advertised they pull from XXXX if they would pull my XXXX score since that is the one my credit union reports to. The lady said that once they pulled one they would not pull another and I would have never applied for this credit card if I had known that they would not pull from XXXX. This will hurt my credit score all because of inaccurate information on the Citi card  website.