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

I am the author of this complaint. I checked my credit report and noticed some inaccurate and fraudulent reporting that is limiting me from accessing credit. 

Title15 USC 6802 Opt-Out Letter According to my rights under the Fair Credit Reporting Act ( FCRA ), as a federally protected consumer, I am now opting out of all authorization that I may have given you whether it was written, unwritten, verbal or non-verbal pursuant to 15 USC 6802 .

According to this Act, a financial institution may not, directly or indirectly, disclose any personal information to a non-affiliated third party such as : XXXX Transunion XXXX Pursuant to 15 USC 6802 I am officially exercising my right to opt out, effective immediately, and hereby instruct the creditors to stop reporting and to delete the following account : 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 am writing to formally express my concern regarding the disputed accounts on my credit report. Despite multiple requests for investigation, these inaccuracies remain unresolved, causing significant harm to my credit file and financial well-being. 

I kindly request that you conduct a thorough investigation into each of these disputed accounts and take the necessary steps to correct and update my credit report as soon as possible. These errors are causing severe hardship in my day-to-day life, and I urge you to address this issue without further delay. 

Restoring the accuracy of my credit report is essential for me to regain control of my financial standing. Your immediate attention and cooperation in resolving this matter would be greatly appreciated. 

Thank you for your understanding and prompt assistance.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX and list of Inquiries 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

XX/XX/2018 I received a text message from Nelnet ( XXXX ) XXXX ) stating my loan was in default. This is not Nelnets phone number nor is the number to contact them back at ( XXXX ). I called the phone number where I told them my social security, date of birth, name. They then told me my loan was fine but if I knew someone by a different name that may be listed under my account. I have reported this issue to both Nelnet and the department of education along with re obtaining my XXXX account to watch for fraud or identity theft. I am unsure what else I need to do or report to protect my identity.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> "
Product: Debt collection

False statements on my credit files, never received written notification about the debt. The debt is not my debt and i have never had an account with CITICARDS CBNA
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I made a purchase through XXXX from a seller from XXXX XXXX. It was for the amount of {$140.00} dollars. I was messaging with the seller back and forth and the seller stated that after receiving payment they would ship out item. Unfortunately that was not the case the seller never sent item I was scammed. I reached out to my bank Wells Fargo that same day. I tried to see what I can do to prevent the transaction from going through and they said that I had to wait for the transaction to post. Then I had to call them back the next day to file a claim so that they could investigate. So the next day I called filed the claim they said it would take 10 days to investigate. I kept calling days after to check the status on my claim and Finally on day 10 the claim specialist said the case was closed and they wouldn't be able to help me. I think that they should be able to help their customers when it comes to matters of this sort because I called that same day to try to stop the transaction there should be something that they can do to prevent the transaction from going forward. I should have been able to dispute the transaction that same day with no issue instead of waiting 10 days for nothing to be resolved. XXXX as well as Banks fail to let their customers know about how in situations like this they can not do anything about it until it happens. After the customers are left with no money. I would like to get some type of reimbursement or courtesy refund for my troubles.I am so angry I will NEVER send money through XXXX ever again. This is ridiculous that there is no way to prevent this stuff from occurring and that they have XXXX customer service and can't help out in situations with fraud or scams. There should be a better way for them to track that money and if there is fraud or scamming involved the customer should be able to suspend the transaction!!!!
Product: Student loan

I am a divorced Massachusetts public servant ( XXXX XXXX XXXX XXXX XXXX ) of 13 years and my ex-wife taught elementary school in a XXXX XXXX XXXX XXXXXXXX for 15 years. When we got married in XXXX, we consolidated our student loans into one loan through Navient. Around XXXX we refinanced that loan with Navient ( XXXX XXXX ). We began with {$100000.00} combined student loan debt, and now, after 21 years ( 252 months ) of on-time payments, still owe $ XXXX. 

In XXXX of XXXX Congress enacted the federal Joint Consolidated Loan Separation Act. That new allows my ex-wife and I an opportunity to separate our loan into two Federal Direct Loans, which will make us eligible ( again ) to apply our combined 25 years of qualifying Public Service and have the loans discharged through XXXX. As per guidance directly from the Department of Education, we have contacted our servicer, Navient, to request an Administrative Forbearance until the Dept of Ed devises a plan to separate these loans. However Navient refused to grant such a forbearance, and we are being told, erroneously, that because we refinanced our Spousal Consolidated Student Loan we will not be eligible to to separate in accordance with the Joint Consolidated Loan Separation Act. The Department of Education has declared that it will include in its plan to enact this new law a provision for refinanced Joint Spousal Consolidated Student Loans. Navient is wrong and predatory. Please help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent letters about inaccurate reporting of false items on my credit report. I have not received a response from them yet. I feel like I'm being ignored by them of my disputes. This are deceptive practices by the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three accounts appearing on my credit report that I have been disputing and have sent multiple letters to the bureaus and they have not been doing anything about it. This is identity theft and these accounts have not been opened by me. 

XXXX  - Acct # XXXX Amt {$13000.00} Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$10000.00} Opened XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$13000.00} Opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove any and all fraud alerts from my name and credit report immediately
Product: Credit reporting or other personal consumer reports

Stop reporting accounts as late payment each month! The account is charged off- it can not be late ; repeatedly violating FCRA should result in fines
Product: Mortgage

Wells Fargo Home Mortgage Letter dated XX/XX/2018 Resolution inquiry has been doing nothing to address the issue or request I have requested. 
Wells Fargo Home Mortgage keeps advoiding what's requested and keeps on mixing things up that's not upon request that's requested. Wells Fargo also will not address the issue or documents that have been done by Wells Fargo Home Mortgage/ Notary that was hired by Wells Fargo Home Mortgage which is the Documents dealing with the all purpose document that is not my signature nor any page or signature referring to the document nor is that my signature nor did I appear personally. I also see that the notary fill out the entire page and sign my name. Wells Fargo Home Mortgage does nothing more than fraud time after time. But acts as if nothing was done on there part.

Lets stay focus to the request nothing else stop playing games and the run around.

Stop calling at all times of the night playing games Wells Fargo Home Mortgage likes to wait till late at night to call but have all day to call. Its nothing but games with this issue of fraud by wells fargo.

The document that was sign by me had no other document the day as it states I appeared that made the instrument legal which is the loan. The document that is not my signature is in question to why it was sign and fill in afterwards and saying personally appeared.
Product: Checking or savings account

Hello, I had a Citi XXXX XXXX XXXX account between XX/XX/XXXX and XX/XX/XXXX. However, I haven't received a 1099 tax form from Citi yet. Despite reaching out to Citi bank a few times, I was informed that I won't be issued a tax form for the year XXXX. Interestingly, my wife holds a similar Citi XXXXXXXX XXXX XXXX account in a comparable situation and received a tax form for the year XXXX. 

Could you please double-check my account eligibility and, if applicable, issue the corresponding tax form? 

Thank you for your assistance. 

Best regards,
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE THESE INQUIRIES AND THESE ACCOUNTS INQUIRIES XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Date Opened XX/XX/XXXX XXXX Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX Opened XX/XX/XXXX XXXX XXXX Date XXXX XXXX  Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report. Despite my efforts to resolve these issues directly with the credit reporting agency, the information remains incorrect and unverified. Below are the details of the disputed accounts : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX - Account Status : Charge Off - Date Opened : XX/XX/XXXX - Balance : {$510.00} XXXX. XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX - Account Status : Charge Off - Date Opened : XX/XX/XXXX - Balance : {$790.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX - Account Status : Charge Off - Date Opened : XX/XX/XXXX - Balance : {$5700.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX - Account Status : Charge Off - Date Opened : XX/XX/XXXX - Balance : {$590.00} XXXX. XXXX - Account Number : XXXX XXXX - Account Status : Charge Off - Date Opened : XX/XX/XXXX - Balance : {$1400.00}
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Dear Federal Trade Commission : This is a letter serves as a formal investigation request investigation for a breached agreement by Focus Recovery Solutions. 

On XX/XX/2018, Focus Recovery Solutions mailed a counter-offer in response to my original settlement letter dated XX/XX/2018. On XX/XX/2018 I faxed a letter accepting their counter offer in the amount of {$390.00} contingent upon deletion and any negative remarks on this account. 

Despite my financial hardships due to their willingness to resolve this account I paid the counter offer as agreed on XX/XX/2018. I feel as though their eagerness to help me resolve this account was a form of deception get me pay with no intentions of removing from my credit after settlement. 

On XX/XX/2018 not only did they update this account on my credit report as a new collection account they added a negative remark indicating this account was settled for less than the original amount owed. Their actions not only dropped my credit score 21 points but has cause other revolving accounts to affirmation actions to include lessening my credit limits based off current credit score. 

I am requesting the immediate removal of this account that i am no longer liable for. Should this account status remain on my credit report, I ask that my payment of {$390.00} be returned for breach of contract and any further communications cease. 

Thanks in advance for your prompt assistance in this matter.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had a late payment from XX/XX/XXXXon an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XX/XX/XXXX I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Mortgage

I am trying to refinance my mortgage with another provider but because my current mortgage company switched servicers from a third party to in-house, they have stopped reporting to the credit agencies. They have not reported since XXXX 2015 and will not start again until XXXX 2015. They told me they wo n't report until XXXX but I am trying to refinance now. The credit agencies are reflecting my credit score as XXXX without a mortgage. Because of this, my score is lower. Because of the lower score ( XXXX without a mortgage ) I ca n't get the program I need to get a lower rate.
Product: Credit card

I have made my payments on time every month on this credit card. They take their time crediting my account so they can add late fees. The last time they did this they said they never got my payment but I checked with the money order people and they said the money orders were cashed. So they have lied about me not making my payment. Now they are telling me by letter they will mess with my credit rating. I have told them over and over again I will continue to pay off the balance each month as long as they send me the statement. I have no intention of stopping paying on this account. I have had nothing but problems from these people.
Product: Debt collection

RESURGENT AND THIER CONSORTIUM COLLECTION FRONTS ARE ILLEGALLY COLLECTION DEBT LISTED IN CHAPTER XXXX BANKRUPTCY THE ORIGINAL CREDITOR WAS AWARE OF BK AND SOLD TO LVNV AND E-MAIL BY FIRST ACCORD IN XXXX 2020. SEE ATTACHED. THEY ARE IN CLAER VIOLATION OF DODD FRANK ACT.
Product: Debt collection

THIS ACCOUNT WAS INCLUDED IN MY CHAPTER XXXX CASE # XXXX ACCOUNT IS STILL REFLECTING OPEN AND COLLECTION ATTEMPTS MADE
Product: Mortgage

On XX/XX/XXXX I received a claim check for roof damage on my home. After deductible was removed, the check amount was for {$3900.00}. I found and paid a contractor to perform the roof repair in XX/XX/XXXX. I submitted the insurance information as well as the endorsed check to my mortgage company. I submitted a paid receipt and " no lien '' statement from the contractor, an inspection was done by the mortgage company and they did a verbal with the contractor at that time. Per conversations with the mortgage company, once that process was complete, they could release the money. Now they have decided to require original bids from the contractor which I did not get. The work done is even listed on the document that he sent in and the roof has been inspected. They claim that they can require more from me than what is in writing for a claim under 10 K, because I was late on the mortgage at the time of the loss a year ago. I understand that IF I had not already had the work done. I am also NOT late on the mortgage now. The mortgage company is at 0 % risk. I have completed the work, used a contractor, paid my mortgage and just want to be given what is MINE. I pay my home insurance premium to be insured not so that my mortgage company can cash my check and collect interest on my money. The following is the word for word statement in Carrington Mortgage 's Claim packet of required information for a claim under 10 K.

" What do I need to provide if my loan is current and my net claim is equal to or under 10,000?

If your loan is current and your net claim is equal to or under 10,000, forward your un-endorsed insurance claim check along with a copy of the insurance estimate for the claim. If the above is confirmed, we will endorse your check and return it to you via regular mail with the USPS unless a prepaid envelope is provided.

What documents are required? *Un-endorsed Insurance Claim Check * Insurance Adjuster 's Damage Estimate '' I would greatly appreciate some help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX fl, XXXX, XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, fl XXXX, Accounts, XXXX XXXX  XXXX, XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.
Product: Credit reporting or other personal consumer reports

I did not authorize this on XX/XX/XXXX or XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Equifax, XXXX, XXXX, I am writing to dispute the following information that appears on my Equifax, XXXX, XXXX consumer report : Consumer-Personal Statement As a concerned citizen, I believe it is the responsibility of organizations like the FTC to uphold and enforce consumer rights, ensuring companies adhere to ethical business practices and prioritize the interests of consumers above all else. I urge you to take decisive actions to address theses issues and to implement policies that will better practice consumers from exploitation and fraud. 

In accordance with the Fair Credit Reporting Act XXXX Account XXXX, EQUIFAX, XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. Including, 15 U.S.C 1635, 15 U.S.C 1662, and 15 U.S.C 1691
Product: Debt collection

On XXXX/XXXX/XXXX I received an alert stating Penn credit Corp has reported a potentially negative item on my  XXXX credit report. 

On XXXX/XXXX/XXXX I placed a call to Penn Credit Corp and the representative was not able to locate any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

CITIBANK is reporting deformatory information on me, I dont have a copy of this information and it is my right to see it, i recently went to open a checking account and the banker told me citibank is in the system saying i owe them XXXX,,,,,,, well in fact I never received a ''BILL '' from citibank, you see a ''bill '' would define something that you owe, and a ''statement '' does not show what you owe, just a ledger record, also citibank is keeping secret accounting records and will not show them to me, also citibank sold a check that was allegedly bad and claim i owe them for it, THEN WHY THE XXXX DID THEY SELL IT TO A FINANCIAL INSTITUTION IN XXXX OF WHICH I TACKED DOWN THE 15 DIGET NUMBER, they refuse to give back the original instrument with my wet ink signature because they sold it, so therefore what justifies any debt, they are liers and fraudsters and i will be following up with tangible facts of thier crimes, CITIBANK AND ALL BANKS ARE XXXX CRIMINALS, YES THEY ARE, THEY THINK NOBODY KNOWS THIER TRIX,