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

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

I AM WRITING TO YOU FOR THE FOURTH TIME TO ADDRESS THE ONGOING ISSUE OF A BANKRUPTCY ENTRY ON MY CREDIT REPORT, WHICH I BELIEVE VIOLATES MY RIGHTS UNDER US CODES 1681C AND 605B. DESPITE MY REPEATED ATTEMPTS TO RESOLVE THIS MATTER THROUGH MY PREVIOUS THREE LETTERS DATED ( XX/XX/XXXX  ), ( XX/XX/XXXX  ) ( XX/XX/XXXX  ) I HAVE NOT RECEIVED ANY ACKNOWLEDGMENT OR CONFIRMATION OF THE REMOVAL OF THIS UNJUST BANKRUPTCY ENTRY. 
BANKRUPTCY INFORMATION : XXXX, XXXX THE CONTINUED PRESENCE OF THIS BANKRUPTCY ENTRY ON MY CREDIT REPORT IS CAUSING SIGNIFICANT HARM TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. YOUR INACTION IN RESOLVING THIS MATTER IS UNACCEPTABLE. 
ENTION TO THIS CRITICAL MATTER.
Product: Money transfer, virtual currency, or money service

I deposited a XXXX XXXX XXXX check for {$13000.00} into an ATM at an US Bank in XXXX, MN at XXXX XXXX on XX/XX/year>, and they put a hold on it until XX/XX/year>, making me wait a full XXXX before I can access the money because of the XXXX holiday. I believe this to be excessive because 1 ) the deposit was a cashier 's check from a national bank chain and not some unknown financial institution, 2 ) {$13000.00} is not a huge amount of money, and 3 ) I have been a customer with US Bank for over XXXX and my account has always been in good-standing. 

XX/XX/year> : I contacted them online ( XXXX ) to complain and they said they would not release the hold. 
XX/XX/year> ( evening ) : I researched the hold, using the Federal Reserve 's website, and I discovered that they are required to release at least {$5500.00} on the 2nd business day after the deposit. 
XX/XX/year> ( early afternoon ) : I contacted them online ( XXXX ) to ask them why they are not complying with Regulation CC? To which, they said that they could hold the funds until the deposit clears. I told them that they must release a portion of the funds by the 2nd business day and they disagreed. I then asked to speak to a manager and XXXX told me that if I wanted to talk to a manager, I would have to wait 1-3 days. Needless to say, I found this to be outrageous! 

According to the Federal Reserve 's website, banks can hold onto funds for a 'reasonable " period of time. Would you classify eleven full days as 'reasonable? ' I do not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a authorized user on two XXXX XXXX credit card for over two years and Experian has failed to report my account history. Regardless of the numerous confirmations from XXXX XXXX that my information was reported to Experian as it was reported to XXXX and XXXX Experian is only showing I have two credit cards where as I have four. I have received the following message, repeat ... 
Thank you for submitting your complaint on XX/XX/2021, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian, including the attachments. In your complaint, you indicated that there is an account missing from the credit report. You are requesting for the account to be added to the credit report and to be reporting accurately. Unfortunately, we are unable to honor your request to place credit information into your personal credit report. We do not add data to our database from private parties since we would be unable to verify or maintain the data. We receive credit information from credit grantors who subscribe to our services and public record information from vendors who collect it from the courts or other government offices. Some creditors may choose to report their data to the other consumer credit reporting agencies, and they may not report it to us. Feel free to upload disputes to Experian by visiting https : //www.experian.com/upload or dispute online by visiting https : //www.experian.com/disputes. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/blogs/ask-experian. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian.
Product: Mortgage

I have been fighting with Nation Star for a long time now, this company keeps giving me XXXX. I have been denied several times due to discrepancies on their behalf. I used to have a business before and they kept asking for proof of my business even though I had informed them that I had lost my business. They also denied me for not having proof of occupancy even though they had utility bills and much more under my name and property address. Moreover, this is my only property. I do not own or have any other properties. To make matters worse, I recently got denied for having negative disposable income. How can this be if I have a surplus at the end of each month. I have sent bank statements, my paystubs, and my expenses. I also got denied for a modification because according to them I did not submit enough information regarding rental income which I do not have as I live in the property myself. They also said that I had marked that my home was a rental property. How did they get this information? Again I do not even have renters or a rental property and I sure as XXXX never checked that I have rental property. When I called in to Nation Star several representatives refused to acknowledge the internal mistake. Finally, after threatening to involve my attorney general XXXX XXXX I was transferred to their escalation and was advised an internal investigation would be open on my behalf due to all discrepancies on their part. At this point I have not received anything in writing regarding my complaint with Nation Star therefore I am reaching out to you directly for help. I was supposed to receive the Clarity Commitment modification as part of the settlement from the Department of Justice from XXXX XXXX XXXX but before my modification was completed my loan was transferred to Nation Star. They were supposed to finish the modification on behalf of XXXX XXXX XXXX however that never happened. Thus me still being on the verge of being left homeless due to their incompetence. They refused to honor my modification despite providing proof I received from XXXX XXXX XXXX. Nation Star excuse was that the investor was no longer participating in the settlement. Please help me shed light to this unjust matter. I am tired of going in circles and not getting modified. Please I am begging for your assistance in this stressful matter. I do not want to lose my home. I should have been modified years ago, yet Nation Star continues to prolong my foreclosure so I end up losing my home. Thank you in advance for your assistance. I hope to hear positive news from you soon.
Product: Mortgage

With the COVID-19 Virus going around, Freedom mortgage basically does not offer extensions at all. They will allow you to " not '' pay for upto 3 months but you have 6 months to pay the whole balance not to mention if they approve you they still label you deliquent, and report to credit .... 

So here is what they want.. 

if you want to take a extension / forberance, they want the following information. 

All you monthly expenses, tax information, just to start. Instead of just helping their customers making this time easier they make us jump through hoops. They do not have these forms fillable or able to submit it with a agent on the phone Major banks can do extensions over the phone with just a verbal agreement for situations like this, but freedom mortgage doesn't care they do not offer easy solutions, they want to frustrate there customers and threaten there houses and credit when there household income has been hurt with stay at home laws during the COVID-19 virus. 

I have never had an issue with my mortgage payment since i got the house originally. the next time i can refinance i will be looking to leave them due to the poor customer service.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. 
- Incorrect Name # XXXX : XXXX XXXX XXXX XXXX - Incorrect Name # XXXX : XXXX XXXX - Incorrect Name # XXXX : XXXX A XXXX - Incorrect Name # XXXX : XXXX A XXXX - Correct Name : XXXX XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 



XXXX. Outdated Address : - Incorrect Address # XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - Incorrect Address # XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Incorrect Address # XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX My current residential address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

XXXX. Wrong Date of Birth : none My Date of Birth is : XX/XX/XXXX XXXX. Wrong Employers : - Wrong Employers XXXX XXXX XXXX XXXX - Wrong Employers XXXX : XXXX XXXX XXXX My employers is : XXXX XXXX XXXX Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license and Social Security displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Payday loan

Lender called my references and disclosed the fact I had a loan with their company. I had been unable to return calls to XXXX -QC FINANCIAL SERVICES due to my work schedule. Tried to call before and after my scheduled times, and they have no recorder. They called all my references and left a message they were looking for me.
Product: Student loan

A student loan with Chase bank, they sold there accounts to XXXX - which now holds my account. This happened back in 2013. Though I have made numerous attempts to contact them, they do not respond and they tell me know one works in that department any more so there is no one to contact. Because of this, instead of saying sold on my credit report it shows that I am very behind on payments and it is hurting my credit. I have called them and mailed letter, and no response.
Product: Prepaid card

I purchased a secure card prepaid gift card from XXXX. It is called XXXX XXXX, I purchased it for XXXX plus dollars with activation fee, when I got home and gifted it to my daughter I went online to check the balance and to make sure the card itself was activated and the site that secure card has you go to, once I typed in the card number a quick pop up said card was activated for {$30.00} balance. We go to use the card online and for some reason nothing was working. My daughter is XXXX and we were trying to buy audiobooks through XXXX  with the gift card. And I could not get the card to work right. So I called the customer service number on the back of the card trying to figure out why my card would not go through because we just checked it and the balance was there of {$30.00}. When I finally got someone through XXXX XXXX customer service to answer the phone, it was very scammy and they were very unprofessional. I gave him the information about the card and about how we just checked the balance and made sure it was activated. And the man that I spoke to on the phone said that my card had a {$30.00} clothing fee purchase that we used. There was no way that we used {$30.00} to purchase clothing because we had just activated the card and check the balance and when not even XXXX minutes later after going on their site to check the balance the money was gone already. I was very upset I called XXXX and tried to explain to them as well that their gift cards that they are selling are not right and are completely scam. XXXX was no help to me whatsoever either. They would not give me my money back basically I had no proof that the gift card was scammed right after purchase. And the customer service number representative who answered the phone for XXXX XXXX  was definitely in a foreign country because I can hear roosters crowing and chickens outside. It was a very weird situation. They wanted me to give them further personal information and told me it would be XXXX days before they could investigate on how the money was stolen off the card. But they wanted my personal information. I did not know what to do, I immediately called XXXX explain the situation to them they transferred me to their security department and they said they will investigate it. It's kind of weird because I was in XXXX again XXXX  days ago and all of those cards were taken off the shelf and we're no longer there. But it really upsets me because even though it was {$30.00} to some that may seem a little bit. But to a lot of us that's all we have. And I was trying to purchase audiobooks for my daughter who is XXXX and it really upsets me that these people get away with scamming people.
Product: Debt collection

On my XXXX it shows Columbia recovery group has an open account in collections for me for XXXX XXXX apartments. The account was discharged and satisfied from bankruptcy. It is still open and affecting my credit score.
Product: Vehicle loan or lease

I purchased a jeep wrangler thru Americas Car-mart and allowed a family friend to take over the payments. No paperwork was ever signed, she was not legally allowed to discuss the account or make any arrangements. They were legally required to call me for any past due payments or any payment arrangements. However its come to my attention its becoming a pending repossession they have not contact me about it or any payment arrangements that have been made. There has been changes to the account and I have been contacted at all. There was no paperwork entailing anyone but me to make any arrangements on the jeep wrangler. Now it is becoming a repossession on my credit and still havent heard from anyone about it. I was the general manager for the company. They are now following policy and procedure and letting someone sign for me to make arrangements on the account.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I am writing to formally dispute the unauthorized inquiry that appears on my credit report. According to 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, a credit report can only be accessed under specific and legally defined circumstances, such as with my explicit written consent or for permissible purposes under the law.

As outlined in 15 U.S.C. 1681b, accessing a consumers credit report without permissible purpose is a violation of federal law. This unauthorized inquiry has affected my credit score and may lead to further negative consequences if not corrected immediately.

In addition to 15 U.S.C. 1681b, this situation also violates several other federal laws designed to protect consumers, including : 15 U.S. Code 6801 : Protection of personal information 15 U.S. Code 6802 : Obligations regarding disclosure of personal information 15 U.S. Code 6803 : Disclosure of privacy policies 15 U.S. Code 1681e ( b ) : Accuracy of credit reports 15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports 18 U.S. Code 1028A : Aggravated identity theft Given these violations, I kindly request that Equifax investigate this matter and remove the unauthorized inquiry from my credit report. I have attached a copy of my photo ID and proof of address for verification purposes. Once the correction has been made, please provide me with an updated copy of my credit report. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

I became XXXX on XX/XX/XXXX. I filed a new Income Based Repayment plan and the servicer ( Navient ) acknowledged receiving this on XX/XX/XXXX. They increased my payments instead of lowering them. I had included my Income Verification with that application, but, as is their habit, they discard the Income Verification information or claim it has not been received so that they can miscalculate the IBR plan ( or so it would seem ). I received NO income between XX/XX/XXXX and XX/XX/XXXX, yet Navient increased my payment amount by 30 %. My income after XX/XX/XXXX ( and since ) is only 66 % of my previous income. They finally recalculated my IBR on XX/XX/XXXX but claim I must pay the inflated payment from XX/XX/XXXX. This is unfair, as during the month preceding XX/XX/XXXX my income was only HALF of my previous income ( 66 % for 3 of 4 weeks and nothing for one week ). 

I received information that Student Loan payments have been suspended until XXXX. However Navient claims I must continue to make payments. I know that I refinanced my student loans with the Department of Education years ago, but there is now a claim that only Department of Education loans after 2009 are eligible. It is highly disturbing that this claim is made, since there has never been any public notice that there was a cutoff date associated with Department of Education loans. All government notices ( including notices from Navient ) do not include any such cutoff date. This certainly appears to be negligent activity and a case of intentional disinformation ( if it is true ).
Product: Credit reporting or other personal consumer reports

When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial. 

XXXX XXXX XXXX, 603 U.S. ___ ( 2024 ) 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except
Product: Credit reporting or other personal consumer reports

I'm checking my credit report on Transunion, and it seems like there's a hard inquiry that I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting an investigation into the accuracy of the information contained in my credit report as provided by your agency. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I believe there may be inaccuracies in the information that is adversely affecting my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX Balance - XXXX XXXX Balance : {$380.00}
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Request for Review and Compassionate Resolution of XXXX XXXX Account Now Owned by Jefferson Capital Systems LLC Dear Consumer Financial Protection Bureau, I am writing to seek your assistance regarding a significant issue with my credit accounts. I am a protected individual under the XXXX XXXX XXXX Act ( XXXX ), and I am dealing with financial consequences stemming from XXXX XXXX 

The account in question was originally with XXXX XXXX and is now owned by Jefferson Capital Systems LLC, located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX. The current amount owed on this account is {$2700.00}. 

**Background and Request for Compassion : ** During my marriage to XXXX XXXX XXXX XXXX I was subjected to severe XXXX XXXX XXXX XXXX XXXX was sentenced to XXXX XXXX in XXXX XXXX for a XXXX charge related to his attempt to use the XXXX  against me. Following his incarceration, he was placed on XXXX XXXX  of supervised probation. His association with a 1 percent biker club resulted in XXXX XXXX of me and my daughter, leading to significant XXXX. 

In addition to being XXXX XXXX and XXXX, my identity was stolen to monitor my whereabouts and impede my efforts to escape. These circumstances have had a profound impact on my financial situation. 

Given the severity of my situation and the subsequent XXXX I have endured, I respectfully request that you review this matter with compassion. I am now free from this XXXX  situation and the associated XXXX. I am seeking a resolution that will allow me to start fresh, free from the financial burden that resulted from these XXXX actions. 

**Requested Action : ** - **Consideration for Compassionate Resolution : ** Given the extenuating circumstances, I kindly request that you consider a compassionate resolution regarding the debt. This might include debt forgiveness or significant reduction of the amount owed. 
- **Account Review and Adjustment : ** Review and adjust the account to reflect the undue impact these circumstances have had on my financial situation. 

Please find attached any relevant documentation supporting my claims, including information about the XXXX and its impact on my financial situation. 

I appreciate your understanding and consideration in this matter. I am hopeful that a compassionate resolution can be reached, allowing me to rebuild my financial stability and continue moving forward from this XXXX  experience. 

Thank you for your attention and support. 

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

I want to place a freeze on the XXXX XXXX XXXX XXXX, Equifax, XXXX, and XXXX that provide to businesses that send firm ( preapproved/prescreened ) offers of credit or insurance.