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

I am writing to formally dispute unauthorized inquiries on my credit report and to assert that my consumer rights under the Fair Credit Reporting Act ( FCRA ) have been violated. The FCRA explicitly outlines the permissible purposes for pulling an individual 's credit report, and I did not provide consent for the following inquiries made on my credit profile. 

Upon reviewing my credit report from XXXX, TransUnion, and XXXX, I have identified the following inquiries that were made without my authorization : ( XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These inquiries were not obtained with my consent, nor do they fall under any permissible purpose as defined by the FCRA. As such, I demand that these inquiries be removed from my credit report within 4 business days, as they are negatively impacting my credit score. 

I expect that you take immediate action to correct this issue.
Product: Student loan

Last response received pertaining to previous CFPB complaint filed Company 's Response Dear XXXX XXXX : MOHELA has reviewed the Consumer Financial Protection Bureau ( CFPB ) complaint, regarding the timeframe necessary to receive a refund of overpayments for XXXX XXXX XXXX XXXX ( PSLF ). As of XXXX XXXX XXXX, your account began its transfer to the XXXX platform and, as a result, your loan information will be inaccessible until this transfer has completed. This process takes approximately XXXX calendar days, and you will be notified once complete. Visit mohela.com/system-transition for more information. As of this writing, our records indicate that MOHELA is further reviewing your account to determine the appropriate amount to be refunded for additional payments made after your PSLF forgiveness date. We are working diligently to facilitate this process within the coming weeks. If you have any other questions or concerns, please dont hesitate to contact a member of our Customer XXXX XXXX XXXX XXXX from XXXX to XXXX Mondays, XXXX to XXXX Tuesdays and Wednesdays, or XXXX to XXXX Thursdays and Fridays, Central Standard Time. You can also visit www.Mohela.com. Sincerely, MOHELA
Product: Credit card or prepaid card

On XX/XX/2022, I signed up for the Citi Premier Card with an XXXX point sign-up bonus for {$4000.00} spend within 3-months. I didn't receive my credit until nearly a month and a half later on XX/XX/2022. During this time, I had to call Citi 4 times to ask them to resend my card before it finally arrived at my address. Each time I called, I asked for clarification if this would affect my sign-up bonus. Each time, the customer service associate assured me that I could simply ask for an extension, and it would not be an issue. 


On XX/XX/2022, I called Citi and asked them for an extension after using my card for a few months, they informed me that a request for an extension would be filed. I had to call Citi an additional 3 more times, before I received an answer on whether or not I received an extension today on XX/XX/2022. I received no explanation for why I was denied, had no ability to communicate with a supervisor and no indication that my concerns regarding my card arriving late were even considered.
Product: Credit reporting or other personal consumer reports

As of today 's date XX/XX/XXXX my credit karma account is showing updates as of XX/XX/XXXX. The application normally updates monthly.
Product: Credit reporting, credit repair services, or other personal consumer reports

affirm and XXXX XXXX  are both reporting a balance on my credit report. i tried fixing the issue with the credit agencies but to no avail no results. in addition the affirm account was fraudulently opened in my name. ive been trying to reach affirm via phone and email to send in my fraud affidavit but whenever i give them my information they tell me that they cant find an account. i would like for both companies to cease reporting incorrect negative information on my credit reports. this has been an extremely stressful process!
Product: Student loan

My consolidated PLUS loans are now serviced by NAVIENT. I am in the IBR program and make a {$420.00} payment every month. Due to the high interest rate on this loan, there is no possible way I can ever pay any of the principal balance on this loan and no possible way I can ever pay down this debt. In XXXX they capitalized over {$3500.00} in interest. How will I ever get out from under this debt if the interest keeps increasing my Principal balance ... I am so frustrated with this unfair and unrealistic position.
Product: Student loan

I have applied for forbearance due to debt and a divorce in which was enabling me from paying loan amount on time. I have sent over several applications and no response just emails indicating i need to pay. Also loan amount seems larger then what i recall. Need this to be confirmed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed multiple inquiries from your company that I dont recall authorizing. This has me really concerned, as theyre affecting my XXXX XXXX and causing unnecessary stress.
Product: Debt collection

This collection of over {$2300.00} showed up randomly on my credit in late XXXX or early XXXX. Looking into it I discovered it was for a place called XXXX XXXX XXXX for couples to travel the world. I was extremely shocked plus confused because I have never heard of it before. 

On top of that, I have never had my passport and have only ever traveled between XXXX and my home state of XXXX which does not have a place called XXXX XXXX XXXX. Looking into this more I found out that they had a scanned copy of a Driver 's License that was lost back in XXXX. The signature on the paper did not even match my signature. 

This company used a stolen Driver 's License and forged my Signature for a travel program I don't even qualify for or live nearby. I have disputed this in detail in XXXX, XXXX, XXXX, and XXXX both over the phone, by letter, and through XXXX. I have also provided them Identity Theft reference numbers regarding the stolen ID and forged signature. Yet they still will not drop this collection that is clearly fraudulent. 

I don't even know what type of collection this is because it isn't for healthcare, it isn't for a car or a house. Not a personal loan, it just looks like someone used my information to skip town and now I have to foot the bill for it. The whole thing is frustrating and their website even looks fraudulent. How can a company do this? And if they are a legitimate company, why are they accepting forged signatures and ID 's not even from their state? Do they even interview people to see the person who signed up is clearly not the person in the picture?
Product: Mortgage

I asked them to have my lawn officer to call me about my home being paid in full do to me using my social security number I got the lawn off of, is supposed to be paid in full. And on top of that I'm an XXXX  from my ancestor and the land and my home doesn't suppose to be charged for anything as long as my kids and their offspring kids are alive it supposed to just pass on. I've been over charged. My percentage rate I didn't get the best rate. I was held back because of this and higher interest rate been added on and I'm paying more on taxes and insurance. My credit is at XXXX and supposed to be at it's highest. I'm being ask for cosigner when going to purchase big items I have purchased before. And because of this company I'm not getting the loan and my interest rates is higher than most good credit score XXXX.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorizing, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

On XX/XX/XXXX, a fraudster was trying to get my sim swapped in another state with XXXX. As soon as i realized this was happening I contacted Bank of America to take the necessary steps to protect both my checking and savings account. As a protection method I removed my then personal cellphone number so if they needed to authenticate me they had to use other means and a different phone number. I was assured that my account was protected. 

On Friday XX/XX/XXXX of XXXX I was again a victim of sim swap and this time they were successful. Not only they got the XXXX from XXXX but also they went to a Bank of America in XXXX XXXX California in a city that I have never lived in or do any transactions and withdrew XXXX cash form the checking account and XXXX from the savings account ( Bank of America has yet to tell me if this was cash or a check, I have no answer yet ). As the fraud was happening, I called the bank to alert them and they said the account has been secured, but it wasn't. Later that night I found out of the full amount taken. 
On XX/XX/XXXX I headed to my local branch and asked them about the process to get my money back, as expected they told me they had to perform an investigation and that with 7-10 business days they will mail or e-mail me some information about my case and then let me know about the investigation results. That day they refunded XXXX of the checking account and the week after that they gave me back the XXXX taken from my account, but nothing form my savings. 

I have been calling their fraud department, and I receive no answer as to the status of my savings and also they never communicate with me. No letter, no e-mail, no response form their team. At this point I was assured my money was safe in a bank but Bank of America has failed to refund my money or to give me any sense that they are working on the case. I asked them to send me information of the fraudster to submit to my local police so they can continue with the case and I haven't received it yet even though there are cameras and footage on the scene. 

I kept asking as to why did they send the verification text to the old number when I had already requested that number to be removed back in XXXX and no one gives me an answer.
Product: Credit reporting or other personal consumer reports

Upon review of credit report. I noticed hard inquiries I do not recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

XXXX XXXX unauthorized transfer of {$2000.00} to unknown business that was not legit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was approved for COVID forebearance in XX/XX/XXXX. Despite the COVID forbearance program being extended into XXXX, XXXX is using the IBR recertification process to kick people like me out of the program and charge excessive fees. There is no where on the XXXX site to request remittance to the program. 

XXXX only allows borrowers to view messages sent from the company up to 2 years ago so all of the messages related to my COVID forbearance blocked to me. My income after expenses is XXXX per the most recent tax year. XXXX acknowledged receipt of my IBR certification and choose to continue increasing the amounts for Interest and Late Fees despite the XXXX relief forebearance. They have capitalized the interest several times over the past XXXX years inflating my balance by several XXXX dollars. 

Row Labels Sum of Fees Sum of Interest ADJUSTMENT XXXX XXXX CAPITALIZED XXXX XXXX XXXX LATE FEE XXXX XXXX PAYMENT XXXX XXXX Grand Total XXXX XXXX Their customer service agents pretend that COVID forbearance does not exist. They have increased the aggressiveness of their collections as well harassing family members. 

As a result of the continued delinquency report, my credit score has plummeted over XXXX points forcing other creditors to reduce my available credit further adding more stress. XXXX continued harassment has caused a measurable negative impact on my mental health which I have documented with my family doctor. My wife is immunocompromised who is now unable to work after the COVID pandemic significantly reducing my income.
Product: Credit card or prepaid card

I had   a Citi visa credit card for many years ( 9 years I think ).
recently Citi switched from a Visa to a Mastercard credit card.     I decided to start using the card more, to use it for everything and not just have it for a back up.   I began having trouble with the card being denied for online purchases.   I had visited with the fraud department for abo ut 7 or 8 lengt hy phone calls during the month of    XXXX   XXXX  about this  problem.   I was told their was lots of fraud going on.   I demanded a list of any and every fraudulent charge my card was used for or any late payments or any problems on my end. They said my card was not used in fraud but they " needed to protect the card '' It was really ridiculous.   They would throw the fraud flag for a {$1.00}, or {$50.00}, or {$100.00} dollar purchase.   The only place I could go and be sure the card was accepted was  XXXX .   Online purchases were a joke. I had so many declines from  XXXX ,  XXXX ,  XXXX ,  XXXX  that the digital currency community thinks I am a pariah. They do not even want to deal with me anymore . One Citi emplo yee admitted they had never heard of  XXXX  or digital currency and it was fraudulent to try to buy a   XXXX  !    Citi ha s just really  XXXX  me off.   I closed my account today and now am in process to find a card to takeover my  XXXX   XXXX  AAdvantage account. I need to transfer about  XXXX  miles ( that represents dollar amount purchases over time ) because  Citi has b een so troublesome for me.   I even offered to put money up front like a  thousand d ollars up front if they would let me then use it for on line purchases. They said it does not work that way.   Have never been so frustrated with a credit card company that has refused to let me make a purchase.
Product: Debt collection

On XX/XX/XXXX, per 15 US Code 1692c ( c ) I sent out a Cease and Desist letter via certified mail. Westlake Financial Service received this letter with tracking number XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXXXXXX XXXX I continuously kept receiving phone call after phone call after phone call. Per 15 US Code 1692c ( a ) ( 1 ), I was receiving these phone calls at an inconvenient time.

Westlake Financial Service has continuously harassed me per US Code 1692d ( 5 ) regarding an alleged debt. Per 15 US Code 1692d ( 2 ) this company has used obscene and profane language, using phrases such as " I owe on an auto loan ''. 
Not only has this debt collector harassed me and ignored my cease and desist letter, they have advertised for sale at an auction on XX/XX/XXXX the alleged debt which is a clear violation of 15 US Code 1692d ( 4 ). 
From the time of the acceptance of the cease and desist letter, Westlake Financial Service has contacted me 31 times. They have made my voicemail box full from continuously leaving voicemail messages. Which has allowed me to miss out on important voicemails left by family members and employers.

Pursuant to 15 US Code 1692 ( a ), Westlake Financial Service has used abusive tactics to try and collect on this alleged debt and needs to be stopped.
Product: Credit card or prepaid card

Re : Inaccurate Credit Information To Whom It May Co ncern : I received a copy of my credit report and found the following item  ( s ) to  be errors. This item is to be updated with Equifax. Please do so immediately and send an updated letter to me. My account is being reported closed on  XXXX    XXXX  . Has been this way for  six months. Reporting credit card is late two times which is incorrect the account has been paid all payments have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB - CARD SERVICE is falsely reporting information on my account that I never gave consent to share, and further more I never gave consent to the companies that are reporting collections accounts to these bureaus. I've sent certified written communications to all parties involved and they continue to harass and violate my rights to privacy.
Product: Debt collection

ERC - Enhanced Recovery Collection company is attempting to collect a XXXX cell phone bill from 2012. Collector will not remove debt from my credit report and keep reporting debt as a new debt. I have disputed with XXXX multiple times, 3 times. Please assist with resolution. 

Thanks.
Product: Debt collection

I am writing to formally dispute the inaccurate information being reported on my credit report for the Account ( XXXX ). The account reports different balances across my XXXX, XXXX, and XXXX. There is inconsistent and inaccurate information being reported such as dates, balances, payments, the account status, and XXXX does not even show a payment history for the account. These inaccuracies violate my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which ensures that only accurate and complete information is reported. owed on an auto loan for a repossessed vehicle that was subsequently sold. This reporting is inaccurate and violates federal laws under the Fair Credit Reporting Act ( FCRA ). 

Violations : 1. FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing inaccurate information to credit reporting agencies. Providing false and misleading information.

2. FCRA 611 ( a ) : Failure to ensure maximum possible accuracy in credit reporting. The continued reporting of the account misrepresents my financial obligations. 
XXXX. Unfair Practices : By not updating and reporting with complete accuracy the account balance, The account shows deceptive practices that harm my creditworthiness and financial reputation. 

Request : I demand that this account be deleted from my credit report immediately due to the false and unverifiable information being reported. I request a full investigation into this matter and expect a resolution within 30 days as required by law.
Product: Debt collection

CRA VIOLATION NO KNOWLEDGE OF THE FRAUDULENT ACCOUNTS APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent account below has violated my rights.

15 U.S.C. 1681 section 602 A. States i have the right to privacy 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction. 

XXXX XXXX XXXX Paid in Settlement ( closed ) XXXX XXXX XXXX XXXX Late payment ( s ) ( closed ) I have asked the credit bureau of a thorough investigation of my credit profile and they did however they only validate that an account was once open. My initial complaint is not to validate an account, however, to question the thoroughness of the investigation and also i still found improper inaccuracies upon their initial response. The improper accounts use are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Late payment ( s ) ( closed )
Product: Debt collection

I never had a contract with this debt collector for any debt. I asked them to Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account and I havent received anything from them and when I call I get a rude rep who isnt willing to help me resolve the issue.
Product: Mortgage

Newrez LLC conducted an appraisal ( in person ) for PMI dismissal in XX/XX/2024. 

I provided all documentation and proof of reason to dismiss PMI as the current market equity valuation is greater than 25 % outstanding principal balance in the mortgage. 

Newrez LLC refused to dismiss the PMI in XX/XX/2024 but did not provide any specific reason or explanation, instead providing a blanket letter with several possible reasons. 

However, none of the listed reasons in the refusal letter match any condition on my mortgage loan. Therefore, it is either a mistake or a fraudulent claim to refuse the dismissal of PMI on my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries that I didn't authorize and don't recognize. I called the reporting agencies who and they are saying I need to file a dispute with CFPB. I am doing so no Transunion XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 discovered again that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$7700.00}
Product: Mortgage

I am providing a copy of a solicitation letter I received from Clear Path Lending. This letter is VERY misleading and, in my opinion, exhibits an intention to confuse and concern the recipients. This letter implies that a loan has already been made at a previous time and that payments are coming due in the near future. It is very difficult to ascertain that this is a letter soliciting business and not a notice of payment on an existing contract. Is there anything that you can do to control the communication of these companies so that they are required to be transparent in their intentions? I generally just toss these in the trash, but this one was confusing for both me and my husband. I felt this warrants a complaint.