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

Dear Sir/Madam, I am writing to file a formal dispute regarding fraudulent hard inquiries that have appeared on my TransUnion credit report. I have recently discovered these unauthorized inquiries and believe that they are the result of identity theft or fraudulent activities. I kindly request your immediate assistance in investigating and removing these entries from my credit report as they are negatively impacting my creditworthiness and financial well-being. 

I would like to provide you with detailed information regarding the fraudulent hard inquiries, which I believe to be illegitimate and unauthorized : XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX ( Finance ) XX/XX/2023 XXXX ( Finance ) XX/XX/2023 XXXX  ( Bank ) XX/XX/2023 XXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXX ( Finance ) XX/XX/2023 XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX XXXX ( XXXX XXXX XX/XX/2023 I assure you that I am a responsible and vigilant consumer who regularly monitors their credit report. However, due to the nature of this fraudulent activity, I was unable to detect these inquiries until now. This serves as a testament to the sophisticated nature of the identity theft scheme or fraudulent actions, which have been perpetrated against me. 

According to the Fair Credit Reporting Act ( FCRA ), as a consumer, I have the right to dispute inaccurate or fraudulent information on my credit report. It is also the responsibility of the credit reporting agencies, such as TransUnion, to ensure the accuracy and integrity of the information they provide. 

I request that the Consumer Financial Protection Bureau launch a thorough investigation into the legitimacy of these hard inquiries. I also request that you work in conjunction with TransUnion to promptly delete these fraudulent entries from my credit report. Removing these inquiries is essential to safeguarding my financial reputation and ensuring that my creditworthiness is not compromised as a result of criminal activities beyond my control. 

Enclosed with this letter, please find supporting documents, as well as any other relevant information that may aid in your investigation. 

I trust that the Consumer Financial Protection Bureau will take this matter seriously and diligently pursue the necessary actions to rectify this fraudulent activity. Please keep me informed of any updates regarding the progress of this investigation. Additionally, I kindly request that you provide written confirmation once the fraudulent hard inquiries have been removed from my credit report. 

I appreciate your prompt attention to this matter. Should you require any further information or clarification, please do not hesitate to contact me at the phone number or email address provided below. Thank you for your assistance in resolving this issue and restoring the accuracy of my credit report. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 I went to a Comerica branch with a online {$500.00} bonus offer for a business checking account. The offer was for a {$500.00} deposit for opening a XXXX checking account with a {$50000.00} balance for 90 days. The bank manager KNEW that was the specific reason for me opening the account. She looked over the paper work explaining the offer. She said she would make it work and did not see a problem. I responded that I would not bring my check unless you were sure the bonus would be good. On XX/XX/2022 she called me stating it was not a legitimate offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, XXXX XXXX and myself entered into a Covid Forbearance plan with Freedom Mortgage and remained in the covid forbearance plan until the home was sold in XX/XX/XXXX. After the home was sold, XXXX XXXX reported 150+ day late payments to all of the Credit Reporting Agencies in error. I filed a dispute with XXXX XXXX on XX/XX/XXXX to which they agreed that our loan was protected under the covid protections act at the time of payoff ( letter attached ). 

XXXX XXXX removed the late payments under the monthly status ( credit report from XXXX confirming this attached ) but did not remove the " 5 '' code under the account status so the mortgage was still showing " 150-179 Days Past Due. '' On XX/XX/XXXX, I filed a dispute with the Credit Reporting Agencies to have the " 5 '' code removed. On XX/XX/XXXX, I spoke with a woman in the leadership department with Freedom Mortgage who stated that they will not remove that code, even though we were protected under the Covid Cares Act. After this phone conversation, Freedom Mortgage changed how to loan was reported to a " 6 '' code, now showing " 180+ Days Past Due '' and added " Collection Account '' under the account status ( dispute letter from Equifax attached ). 

I have letters from XXXX XXXX stating that the loan was protected under the Covid Cares Act at the time of payoff, I have documentation from them stating that they will report the loan as current during the forbearance period, as well as copies of their website stating the same information. All late codes and collection account statuses should be removed from all Credit Reporting Agencies as agreed upon by XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally financial is the company were having problems with Ally financial is reporting to the credit bureau for my wife and I that we were 30 days late on our XXXX XXXX and 30 days late on a XXXX XXXX when I called financial I told them that I have two letters from my credit union stating that this was a error of theirs. The air was that my wife and I have automatic bill pay and there was a glitch in their bill pay system which calls the payments to be late to Ally financial I have spent six months trying to get this problem resolved I have been told that this was going to be taken off my credit report then they said it wasn't going to be taken off the credit report I have faxed six sets of this letter as they requested in the still no avail Their customer service is been very poor and in accurate it seems like the left hand doesn't know what the right hand is doing since this was not an error of my wife and I and I provided documentation and proof that it was not our fault we've asked them to remove these derogatory comments off of our credit report which are hurting my wife and I 's credit score. I happened like two numerous times and have been treated like a third class citizen for something that we didn't take part in our credit report is good but it has taken a beating for a credit score I really need your help in trying to straighten this out because we are at wits end now
Product: Credit reporting or other personal consumer reports

From XX/XX/2023 through XX/XX/2023 my credit report has been accessed by XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX and several inquires from XXXX XXXX XXXX. I did not authorize any of these inquires. I have authorized XXXX XXXX to access my credit report only once and I now have ( XXXX ) inquires affecting my credit score. I want all these inquires removed immediately. I had a preauthorization/preapproval with XXXX XXXX XXXX only and authorized for my credit to be pulled once. Please see the attached documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th 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 Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT THIS IS FOR XXXX AND EXPERIAN THE OTHER IS FOR THE CREDITOR! 

In accordance with the Fair Credit Reporting Act ( FCRA ), I formally request validation of the debt in question from Source XXXX XXXX, as well as accurate and complete information regarding its origin and validity. It is noted that despite my previous correspondence, XXXX XXXX XXXX failed to provide the requested validation or adhere to the requisite XXXX mailing requirements. 

Furthermore, XXXX XXXX XXXX 's failure to furnish accurate information regarding disputing procedures and the omission of requested information are clear violations of FCRA regulations. Moreover, their disregard for the timelines stipulated by law and fair credit reporting practices is unacceptable. 

Additionally, XXXX and Experian 's inclusion of the disputed item on my credit report without proper verification constitutes a breach of their obligations under the FCRA. This failure to adhere to established procedures is concerning, especially considering the significant impact on my creditworthiness. 

It is imperative that XXXX XXXX XXXX, XXXX, and Experian rectify these discrepancies promptly and take appropriate measures to ensure compliance with FCRA regulations. Failure to do so may necessitate further action, including the escalation of this matter to regulatory authorities or legal recourse to safeguard my rights as a consumer.
Product: Checking or savings account

I contacted my bank about balance updates that seemed glitchy. My bank app showed one balance and actually allowed me to make purchases against the balance and then my account, which has an opt out of overdraft, went into the negative. The POS are not being held after the debit transaction if this happened, which makes me feel unsafe that the holds are safe from the financial institution. 

On XX/XX/2022 ( late that night ), the app showed that I had a balance of {$2.00} ; however, when I checked my balance the next morning, the balance was short from what my paycheck deposit was because the financial institution allowed a transaction to go over my supposed credit balance although when I made the gas purchase on the XXXX, showed that the money was available.
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

For the company to do what is fair and and equitable to me as a consumer by deleting the items that is identified as identity theft from my consumer report.
Product: Bank account or service

On XX/XX/XXXX, I deposited XXXX checks made out to " XXXX A XXXX and XX/XX/XXXX and AS A SOLE AND SEPARATE PROPERTY '' using the ATM at my bank, the Golden 1 Credit Union. XXXX check was in the amount of {$81.00} and XXXX for {$4000.00}. These checks were for claim losses due to a flood written by my flood insurance carrier, XXXX XXXX XXXX XXXX XXXX. 

When I checked my on-line balance the following morning I was appalled to discover that the $ XXXX check was credited back out of my account, and I have since learned they were mailing it back to me. Upon calling them, they stated they do not deposit 3rd party checks. This is incredulous, XXXX checks were made out to me and my mortgage company and were not 3rd party checks. They did not even bother to first call me or the insurance company to insure there was funding to pay the check. I have since been unable to deposit my claim loss check in my account. My mortgage company is lost and will not endorse an insurance check. 

I have spoke with their Escalation & Support Desk, which has provided instruction so I can expedite the deposit of the $ XXXX check as soon as it is returned to me. But today I received a call from a supervisor named XXXX XXXX who informed me they would not deposit the check. I need the funds to pay the contractors I have hired to repair my home who are waiting to be paid. It 's bad enough to be flooded, and I have done everything responsible to protect my property, including buying flood insurance, but now I am being screwed over by my own bank that I have been with since 1975.
Product: Prepaid card

A Citi bank debit card was issued in the amount of {$66.00}, from XXXX due to a battery leak in XXXX of our electronic devices. The card had an expiration date of XXXX and was not used. 

We called to have the card reissued, but were told by Citi Bank they would not reissue the card, because it fell outside of 180 days of their reissue policies. 

We then explained that per the XX/XX/XXXX Credit Card Act that all prepaid Visa and MasterCard 's have a 5 year protection via the Credit Card Accountability Responsibility and Disclosure Act of XX/XX/XXXX that was passed into federal law. 

XXXXWe asked for an escalation, but were told the exact same thing by another representative, which brought us here to your site and services. 

If Citi Bank is exempt from this particular piece of legislation then we would like in writing why they are. Please have them state, in writing, per the XX/XX/XXXX CCA, the exact clauses that allow them to not comply with the 5 year federal expiration timeline.
Product: Student loan

( 1 ) I am currently employed by a qualifying employer. I am part of PSLF program and submitted an application in XXXX for forgiveness. I am missing payment periods from three periods of time : XXXX through XXXX, XXXX through XXXX, and XXXX through XXXX. I have contacted the servicer multiple times via phone and mail pertaining to the missing periods with an inadequate explanation. The periods are not showing as eligible neither non-eligible. I wish to get the periods considered for eligibility. 

( 2 ) Before my loans were transferred and during the Covid pause, I obtained an IDR with a repayment amount of {$87.00} monthly. I have contacted the servicer numerous times to ensure the correct repayment is showing. I have provided the servicer with my current IDR that is not due for recertification until XX/XX/XXXX. The servicer increased my payments to {$140.00} incorrectly. My payments should remain at the rate of my approved IDR in the amount of {$87.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

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 reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. Sec.1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. No investigation was completed within 30dsys of the letters I sent.

( My letters that was sent to the credit bureaus are attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of unauthorized inquiries which do not belong to me or were opened without my permission. 

XXXX INQUIRIES : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

The dates are through out the last ten years or so. It has been numerous occasions that Wells Fargo has charged me overdraft fees multiple times over in same day. There has been multiple events of the bank letting different transactions go through and put my account severely in the negative and continue to charge me overdraft fees for each event over and over.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding an inaccurate report info and unknown things being on my credit report to XXXX 60 days ago. I have not received as response yet and seems as if my dispute.. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 2. under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( XXXX XXXX XXXXXXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$970.00} on my credit report that is seriously damaging my credit scores PPlease delete this inaccurate information form my credit report XXXX under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$1400.00} on my credit report that is seriously damaging my credit scores PPlease delete this inaccurate information form my credit report 4. Under 15 US Code 1692j this agency and debt collector is in violation. I demand cease and desist under 15 usc 1692c immediately XXXXXXXX XXXX  Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 5. Under 15 US Code 1692j this agency and debt collector is in violation. I demand cease and desist under 15 usc 1692c immediately XXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence 6. Under 15 US Code 1692j this agency and debt collector is in violation. I demand cease and desist under 15 usc 1692c immediately XXXX XXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence 7. Under 15 US Code 1692j this agency and debt collector is in violation. I demand cease and desist under 15 usc 1692c immediately XXXX XXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence
Product: Money transfer, virtual currency, or money service

My PayPal account was limited permanently so my money got limited for 180 days. The reason they say is because of unapproved file sharing services, even though I just sell a XXXX and they pay me to PayPal. I really need my money for my daily expenses and tuition fee. I believe that this was their mistake, even If I report this to them, they will not do something about this issue. Can you help me with this, here is my PayPal account XXXX.
Product: Student loan

I feel like I have been taken advantage of by XXXX College, XXXX and XXXX XXXX, now Navient student loans in XXXX. XXXX convinced me into unaffordable student loans which not until after I graduated in XXXX, realized they were private loans. My loans today in XXXX is still about {$80000.00} outstanding! I 've been through deferment and forbearance and all of the steps to find relief and lower payments. I 've been denied the public service loan forgiveness which I never fully understood why. I am currently in year XXXX working in non-profit public service. My loans which they tell me can not be consolidated and the lowest they got down to is roughly $ XXXX/month. I am on-time with my payments. I pay through electronic funds which the discount is included in the $ XXXX/month. Since I 'm married I 'm not able to claim student interest on my income taxes. I have XXXX children. With the income I make, I am not able to enjoy the fruits of my labor to the fullest as it seems as though I pay XXXX mortgages ( well XXXX for real and the other in student loan payments ). I am somehow on a 25-year plan which means I will be XXXX+ years old before paying off this loan. This has to be some kind of mistake. I did n't go to school so that I can pay student loans and be in debt for the rest of my career and life. I do n't know what else to do, but do n't feel I should still owe close to {$80000.00} in combined private and federal student loans. I pray that I find relief in this somehow without have to pay for a lawyer or financial advisor which will put me in more debt. Somehow I would like for President Obama to know about my situation as I know he is doing his best to help students find relief. I 'm lost confused, disappointed and feel suckered at making these payments monthly. Oh and may I add that all of training was done online with XXXX College. I never stepped foot on a campus.