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

I had a recent dispute with Experian. There a few items that remained on my report after the investigation. The FCRA states the consumer reporting agency was to conduct an interview with neighbors, friends, and associates as a part of the investigative consumer report. It also says that such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I challenge Experian to provide the evidence under penalty of perjury that the organization conducted such interviews.

I also had 2 late payment from XXXX XXXX that shall be removed immediately. I have a letter from the organization stating that the items were not to be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. THE INFORMATION LISTED BELOW, WHICH APPEARS ON MY CREDIT REORT, DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. IT IS THE RESULT OF IDENTITYTHEFT. A HAND WRITTEN LIST OF 9 ITEMS IS ATTACKTO THE LETTER.
Product: Mortgage

I am having a very difficult time with Rushmore XXXX. I had become unemployed and the COVID 19 Pandemic has dragged out my situation. I have am now on social security and have my son living with me to help with the mortgage. I also now have a renter paying {$1000.00} per month to help with my income. I am able to afford the mortgage and based on modification guidelines my income should be approved. 

After the COVID 19 Forbearance I applied for a modification. The problem I am having with Rushmore is they declined me for not having any income and and stated to me I have had 3 modifications. Both are false. I feel like Rushmore is being very predatory and not truthful.
Product: Debt collection

They call starting at XXXX XXXX and call about 6 to 7 times until sometimes as late as XXXX XXXX.
Product: Checking or savings account

Cash app shut down my account took money from me. Also had been taking money from me in the past that I thought I could do nothing about can ever reach anyone with customer service. Everyone that I know is having problems with them rather taking money or closing in their account.
Product: Student loan

To whom it may concern, I just received a letter from the loan company and called their customer service on XX/XX/XXXX. I was told my student loan account has been converted to Heartland ECSI in XX/XX/XXXX, and my account has past due amount of {$1100.00}. 

The real story is I have been paying my student loan on time for 10 years. I have set up automatic payment and I was a bit curious why it stopped payment since this XXXX. My instinct was it has been fully paid and did n't go check my account balance ( in fact I have lost password long time ago ). I did n't know they convert to another company and I need to reset account payment method. 

To Heartland ECSI, I complained that I was not informed at all and had not idea they converted my account. And I have absolutely no intention to stop my student loan payment. The representative asked me to file dispute with credit bureau as they have reported my past due payment. 

I request they withdraw their filing against my credit score, because this is technical issue between my previous and current loan institutions. 

Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I was billed around 1200 USD for Emergecy services, it was only 2 tablets which I was administrated .Hospital involved was   XXXX    hospital in NJ,   XXXX   .
This was on  XXXX  2015, I agreed onto a payment plan, then it was given to collection agency.
The agency sued me and caused major dip into my credit history.
I want to pay this amount to hospital or the collection agency, biggest problem is they do n't have an automated debit system. Every month I have to call them and then make payment. This causes delay or I miss the deadlines in case I am not in the town or country.
Please let me know how you can help me and I want to pay this amount.
Please help me to restore my credit rating.
All my mortgages, credit card payments, bill payments are in time.
In last 7 years I have never faced such issue, please check my credit history.
The Collection agency is   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX  NJ  XXXX  Thanks  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I received an email from XXXX XXXX stating that the company SYNCB/WALMART National Credit cards/Airlines had done a hard inquiry. I have NOT try to obtain and credit or loans in over a year and this was done without my permission. This mistake has put a blemish on my credit report and has totally terrified me that this has happened. Ive never gave any kind of permission for them to do this at all. Im asking for your help in getting this taken care of. I have not contacted any body about this issue in fear of what this is all about but I trust you all. 
Thank you for your time and consideration XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries reporting on my report. These items arent mine and I dont have any Knowledge of the companies such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in hopes that the CFPB can help me finally resolve this dispute. I received a copy of my Experian and XXXX credit report and noticed a few discrepancies with how XXXX is reporting this account to Experian and XXXX. I've asked XXXX several times to correct my report but they have continuously refused to report this account accurately. 

This account was paid in a settlement on XX/XX/2018. There are several discrepancies with how XXXX is currently reporting this account to Experian and XXXX. I am requesting XXXX to thoroughly investigate the discrepancies of how this account is reporting to Experian and XXXX or delete the entire tradeline which contains discrepant information.
Product: Checking or savings account

I walked in to a branch on a friday afternoon to request cashout of the balance in my account and closure of my checking account. 
They cashed me out with a cashier 's check and said they would take care of the closure and I neednt stay for that. They didnt provide me with any reference for the closure request- they just said it would be closed in XXXX business days One week later, my account is still showing as active. I call their customer service, they say they will put in the request through backend and the it will be closed in XXXX business days. WHen I ask for a ticket number or a confirmation request to be sent to my email, they claim they do not have such facility available I even tried speaking to a supervisor to get some resolution but to no avail
Product: Student loan

On XX/XX/2023, I received an email from The Department of Education advising that my student loans were approved to be forgiven under Exhibit C of The Sweet vs Cardona Settlement that was finalized in XX/XX/2023. On XX/XX/2023 I contacted Navient to follow up on this matter as I have not received notices or updates from them. I spoke with a supervisor by the name of XXXX, Employee ID : XXXX who advised she knew nothing about the settlement and that they had not received any information. I uploaded the letter to my outbox portal while on the phone and allowed her to review it and she acted as if she didn't know this information and provided no assistance. I then followed up with The Department of Education the same day and advised them of the information Navient provided. I was advised that the email that I was received was correct and I should see things finalized in the next couple of months. Today I followed up with The Department of Education and requested a supervisor as I was not offered much assistance and given the runaround as usual. I spoke with XXXX a supervisor in length and shared with her the difficulties that I have been experiencing. The US Department of Education/Navient is Not Discharging Loans Under Sweet vs Cardona Settlement as the email advised.
Product: Debt collection

XXXX XXXXXXXX then initially stating that I still owe them as a result the vehicle has been returned to the dealer due to mechanical issues and lemon law in the state of XXXX I have disputed with all 3 credit bureaus that the information has been inaccurate to remove from credit report
Product: Credit card or prepaid card

I received a XXXX Rewards credit card to my address stating that I just need to activate it to receive a {$1000.00} limit ... I have never done any business with XXXX, or with Comenity Bank where this card is being run through ... I never requested a card from either of these companies, and have never been in contact with them ... They never performed XXXX on me. 

They never confirmed my address or my identity, this card could have been sent to an address that I no longer live at ( thank XXXX it didnt ), and any one could have activated it and started to use it. This was not an application for a card this was an actual card being sent to me. They opened a line of credit in my name that I did not request, authorized, or sign for.
Product: Checking or savings account

We placed XXXX XXXXXXXX into a CD with citi back in XX/XX/2022. They never sent the full account number or any way for us to access the account online. We tried to get resolution to access the account and they have been unhelpful and stonewalling. They sent a debit card, but we dont have a checking account so this didnt solve our access. They wont give account numbers over the phone, but never gave us the information to begin with. We have no way to login and track or manage this money. No statements, no online access, no account information, nothing. Every remedy they tell us to try has required the system to update overnight, but nothing changes. We cant even close the sunny and just get the funds back. At this point, weve been robbed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  - XX/XX/05 IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Product: Credit reporting or other personal consumer reports

looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on XX/XX/year> and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to XXXX5 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledae of errors. According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix
Product: Student loan

Began full-time employment with an PSLF-eligible employer in XX/XX/XXXX. Applied for and was accepted for PSLF in XX/XX/XXXX. My two direct federal loans were transferred from XXXX to FedLoan servicing in XX/XX/XXXX. FedLoan is stating that my payments made from XXXX were all outside the payment window ( they were not ) and that all my payments from XXXX were not received in the payment window ( they were ). This is a total of 33 eligible, on time payments that are are not being considered qualifying for PSLF. I have documentation of these payments from Navient and submitted ECF forms for all these dates. 

I called FedLoan Servicing and requested a manual recount on XX/XX/XXXX, and no changes to my qualifying payments has been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that Equifax was recently struck by a cyberattack that resulted in a security breach of personal information. Upon going to their website and filling in my information, it was mentioned that I could be impacted by this breach. I am extremely worried about the potential for identity theft from this incident.
Product: Debt collection

I maintain that these late payments are inaccurately reported, and I am troubled by the fact that your bureau has allowed such misleading information to tarnish my credit report. As a consumer, I expect that credit reporting agencies exercise due diligence in ensuring the accuracy of the information they disseminate. I was the victim & Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. I am deeply concerned about the negative impact this misinformation is having on my creditworthiness and financial standing. 
WELLS FARGO BANK XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I request an immediate and thorough investigation into the reporting of these late payments. The inaccuracies in question are unacceptable and have the potential to cause significant harm to my creditworthiness, impacting my ability to secure favorable terms for future financial transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested credit bureau multiple times for bankruptcy validation from the court/original creditor under 15 USC 1692g Sec. 809 ( b ) of The Fair Debt Collection Practices Act ( FDCPA ). Debt validation is my federal right granted under the FDCPA.

They failed to verify the information from the court so they should remove it from my record. " The United States Bankruptcy Court does not report any information to the credit bureaus. The U.S. Bankruptcy Court is not responsible for verifying or validating information from consumers credit files. 

Please provide validation from the court or delete all the bankruptcies from my record. XXXX doesn't show any bankruptcies.
Product: Credit reporting or other personal consumer reports

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are very unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found some unauthorized inquiries on my credit report which I requested to be removed by their fraud department and I was told to do a XXXX report and they can investigate and remove. I did just that and when I called back TransUnion I was told to call every company and request a letter of deletion which I was told they dont do. I called XXXX I was told that they are a software company and dont have my record. I called XXXX I was told that the do not have that inquiry on their system and I was not able to contact XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX and i am submitting this complaint without any influence from any XXXX XXXX or agency. I am a consumer and reporting ID theft. The inquiries were NEVER authorized XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Spoke to two different representatives from XXXX XXXX XXXX XX/XX/2018 as well as XX/XX/2018 about financial hardship due to medical issues which does not allow me to work or make payments to the alleged account. They asked what my medical issue was which is an invasion of my privacy. Per the policy on their website, " We suspend collection activities when a consumer demonstrates that he or she is experiencing significant financial hardship due to medical issues. '' I read their policy to them with exact verbiage and offered to send in documentation if needed and they refused to accept those and offered to place the alleged account on hold. However, that is not their clearly stated policy and the representatives were rather nonchalant to the policy they clearly uphold on their website.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Affirm Inc., located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, regarding an account that was opened fraudulently in my name, which I believe to be a serious error and a case of identity theft. This unauthorized account has had significant negative impacts on my financial situation, including being denied housing, leading to financial hardship and homelessness. XXXX Account Details for Reference : Account Number : XXXX Company : Affirm Inc . 
Incident Description : I recently discovered an account listed on my credit report under the name of Affirm Inc. that I never authorized or opened. I have no knowledge of this account, and I firmly believe that my personal information has been used without my consent. The presence of this unauthorized account has severely affected my credit score, resulting in the denial of a housing application, which has directly contributed to my current state of financial hardship and homelessness.

Actions Taken : I have already contacted Affirm Inc. to dispute this account but have not received a satisfactory response or resolution. 
I have also filed a report with [ local law enforcement or appropriate agency ] regarding this suspected identity theft.
Product: Credit reporting or other personal consumer reports

I would like these accounts to be remove so my credit report can report accurately ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to have the following information removed from my credit file, the items that i need deleted are going to be attached in the files below. I am a victim of identity theft. I have multiple accounts and inquires that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identify to the federal Trade commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. please block this information from my credit report, pursuant to section 605B of the fair credit reporting Act.
Product: Checking or savings account

I am filing a complaint for the overdraft fees on my navy federal account even though I had sufficient money in the account in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person I am a living human being I have rights under 15 USC 1681 equifax is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the account listed below be remove because according to 15 USC 1681 I have the rights to privacy and I did not give equifax written permission to furnish these account XXXX XXXX XXXX