23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX. 
Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

Dear Representative, I was advised that I could open a checking account ov er the Internet w/ Wells Fargo Bank and for the la st  XXXX  seem to go no were with this simple task. Over this experience there was  XXXX  applications submitted with-out any success . Still four weeks have gone by with no account being opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2022, I learned that XXXX XXXX ( " XXXX '' ) placed a hard inquiry on my Equifax report, causing a reduction in my credit score. I had not recently requested additional credit from XXXX which refused to respond to my complaint and a CFPB issue is pending. I then asked Equifax to remove the inquiry and they also refused to remove the inquiry. I have been injured by a reduced credit score as a direct result.
Product: Debt collection

To Whom it May Concern : I am in the process of purchasing a new home and recently pulled my credit reports. I was shocked to find that currently reporting is a collection company by the name of KLS Financial for what they are stating is a medical account. I am disputing the validity of this collection and the reporting of it because I do not recognize the debt. I have no recollection of ever having the account. In addition, I have not received a call, text, or email which has furthered my suspicion of this debt that made it onto my credit reports. Due to this collection being erroneously reported to the bureaus, I have been unable to secure credit and it is impacting the approval for my home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported me as late on XX/XX/2019 when my state was in a declared state of emergency due to hurricane Dorian in the state of Florida and as such I believe the account should not have been reported late being that we are in a state of emergency and I was unable to make the payment and XXXX XXXX was explained that information
Product: Checking or savings account

I have an account at JP Morgan Chase. I live in XXXXXXXX XXXX 
I put in the XXXX mail on or around XX/XX/year> a check, payable to XXXX Treasury, for a tax payment, in the amount of {$120000.00}. 
I found out on XX/XX/year> that someone stole the check from the XXXX mail, " washed '' the check, and cashed in at a XXXX branch for {$49000.00}. 
In other words, I lost {$49000.00}. 
I made a claim to my bank JP Morgan Chase on XX/XX/year> by telephone. 
I filed required written declaration on XX/XX/year> through the JP Morgan XXXX I use in XXXX XXXX 
The form I filed said that I should make a claim with the XXXX XXXX XXXX, which I did, but that - unless I knew the name of the person who stole the check- I should not file a police report. 
I was told that it would take 60 - 90 days to hear back. 
On or around the 90th day in XX/XX/year>, I was told that I had to file a police report. 
I filed a police report on or around XX/XX/year> and brought it to the branch on or around XX/XX/year>. 
Despite a number of inquiries, I have been told that the claim is pending and I will hear back at some unspecified time. 
I have called a number of times and have inquired through the branch as well as through the elevated complaint process at the branch. 
I have never received a commitment as to when the complaint will be resolved. 
I also understand that under the NY XXXX the bank must make good on the lost funds. 
I can provide further details and documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

Not enough information to verify debt : In XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 I requested verification according to the FCRA section 609 ( a ) ( 1 ) ( A ) - through the physical verification of an original signed consumer contract but have been repeatedly met with verified as accurate with out providing the documentation that was requested, continuing to be in violation of section 611-non compliance and continuing to damage my report.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX XXXX  XXXX XXXX
Product: Mortgage

I called them 2 months ago to get out of covid forbarence they said that some other guy had to handle it. So far they havent gotten back to me ... Idk what to do, they told me to wait.
Product: Student loan

I've continually had issues with American Education Services who services my private student loan through XXXX Bank. The interest rates are criminal, I've already paid most of the loan back but still owe the entire principal amount. I've been making more than 7 years of payments with little to no progress. I've attempted to get my payment reduced, but because my grandmother cosigned on my loans almost 15 years ago, I can not do anything without my grandmother 's signature. My grandmother is now XXXX, with XXXX, living as a XXXX of the XXXX with no income other than XXXX XXXX and due to my poor credit score, which is likely because of my student loans/debt-to-income ratio, I am not able to apply to have her removed. More recently, I've been a victim of identity theft and had to have my bank account shut down to get new accounts, cards, etc. Because of this, my bank issued a stop payment for my student loan payment with AES. Once I found out, I immediately reapplied the payment, but they charged me a late fee. I petitioned to get the late fee removed, as I have an amazing payment history with them, and explained to them why it was late. I was notified yesterday they denied the request to waive my late fee. To say Im disappointed would be an enormous understatement. The interest on these private loans are astronomical and theyve decided that due to a stop payment issued by my bank due to identity fraud, they need an extra couple bucks. A huge corporation, in addition to my fees and interest, needs to make a continual profit off of a new mom, working hard just to pay back the education I do not use with insanely predatory interest rates. This is criminal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact XXXX XXXX many times via phone. I previously had my report frozen with them requiring a lot of unneeded information. They do have a number so they can call you back, but with all the bulk of information. I have already given them. I feel I shouldnt have to wait for them. 

My issue is if IDA has changed to XXXX. Is my credit freeze still on my report?
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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account XXXX : XXXX Account Name : Untitled Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX - XXXX - Account Number : XXXX has violated my right, And lists of unauthorized 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: Credit reporting or other personal consumer reports

I recently review a copy of my credit report noticed I had fraudulent accounts and inquiries on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. Also, I have a police report attached to prove my case.
Product: Credit reporting or other personal consumer reports

My identity was compromised and someone used my social to apply for several credit cards under my name where I never applied for new credit cards or lines of credit. I called and spoke with all 3 credit bureau agencies and the creditors to resolve this matter and was unsuccessful in getting them to remove it. I explained to the credit report agent my identity was stolen and I was never authorized for store credit or credit card application. I was not the person applying for credit when I asked the credit card agent at the fraud department to tell me what address they had on these applications they told me that they didn't have that information to give me. According to the FCRA, my credit report must be accurate and I didn't apply, authorize, or consent to run any inquiry on XX/XX/XXXX, XXXX, of XXXX for credit. All of these inquiries from XXXX XXXX, Experian, and XXXX Must Be removed and deleted immediately as follows : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be deleted for all inquiries submitted by the hackers.
Product: Credit reporting or other personal consumer reports

I had an account with Fortiva Credit Card company through XXXX. There was a late payment of {$30.00} or something that they kept on sending to my old home address. As a result, I missed it. That caused XXXX point reduction in my credit score. Fortiva did not contact me by any other means to notify me about late payment or the payment either. I tried contacting them multiple times, talked to several supervisors to remove that from my account. But all in vain. I learnt about the XXXX point penalty only after applying for a home mortgage loan last year. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 that states that I have the right to privacy. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

So, I request CFPB to help me resolve this issue since creditor has not at all.
Product: Credit card or prepaid card

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX Dispute : According to Cushman v Transunion 1997, XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. These accounts violate these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete ACCOUNT CFPB Writeup : 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 : Capital One, Account name : XXXX XXXX Account name : XXXX CAPITAL ONE Account name : XXXX has violated my rights. 

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

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 mandates 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.

15 U.S.C 1666b There is no such thing as late payments 42 U.S.C 408 Asking for anyone 's social security number on any loan and or credit card company is considered double dipping and a violation of RICO. 

15 U.S.C 1602g We the people are the credit XXXX and several others have completely lied on official documents saying that they investigated when I have proof they did no such thing. Since they continue to lie I always contacted the to do IRS 3949 form to have them all audited due to this matter and filed a complaint with the United States Courts of federal claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

Belmont Finance XXXX XXXX XXXX XXXX both did a HARD inquiry on my credit which I did NOT approve. Both of these inquiries were done on XX/XX/2023.
Product: Credit card or prepaid card

A merchant charged our credit card on XX/XX/23 for {$1000.00}. They never did any services so we started a dispute near the end of that month. Citibank said to look out for something in our email re : this case and we never saw/heard anything until we saw a reversal in favor of the merchant on our credit card statement. Citi said they sent something in the mail - saying the merchant responded and we were supposed to respond back by a certain date. We never received that mail. The merchant just sent over an invoice stating that he charged us {$1000.00}. Based on that they reversed it for some reason ... no valid contract whatsoever, and we never saw any mail from Citi. We called and they re-assured us many times that they will re-open the case since we didn't get the letter and since we were a customer for near 20 years. We told them the company was fraudulent from the beginning of the dispute -- why should we be held accountable for not getting this letter? They could've sent an email, as well - certified mail, etc... mail " DOES '' get lost these days & person in charge in disputes should not have reversed the charged based on just an invoice.
Product: Student loan

Hello, I am writing to express my concerns about how XXXX XXXX  and Navient have been mishandling my loans.
I have successfully completed with A Student Loan Rehab Program that assisted with restructuring my loans with a private loan service " collection agency '' XXXX XXXX Shortly after competing there program and completing on time payments they stated my loans would go back to the original debt collector Navient.
When my loans were sent back to Navient I applied for an IBR and completed that program for a year. When I was up for my renewal I completed my re-certification indicating how much I would like to pay in the IBR program.
I received information that I did not have to pay for the year which I thought was odd for the this year 2017 the entire purpose is to PAY on my loans. Despite that I am still making payments probably not even making a dent on the amount owed horrible.
I also applied for my re-certification with XXXX XXXX which I completed a year long with them paying XXXX on each loan a total of {$10.00} per month it was much but when your trying to make a living and not go into another collection {$10.00} is still {$10.00} that could go towards fuel and/or food.
In my re-certification I was informed that I would not have to pay back for this year which is not what I asked. I specifically request to be charged automatic debt to my bank account {$20.00} per month {$10.00} each loan which I have attached to this email. I have so many forms from Navient and XXXX XXXX that sending them all would not make sense to anyone so I am sending what I think is only logical to prove my statement.
I now work for XXXX XXXX in XXXX XXXX ( XXXX XXXX, NV ) and being that I meet the criteria for the Public Service Loan Forgiveness program I was rejected twice.
Both rejections said my loans did not qualify. I called to speak to a representative and she gave me the run around stating my student loans were " commercial '' and that they need to be switched to be able to consolidate them once I complete that than I can apply for Public Service Forgiveness. I am not sure the validity of this as these reps are trained to just talk and talk to confuse us on purpose and cause confusion and unnecessary stress and XXXX to me.
Product: Credit card

I informed the credit card company that my plane trip, scheduled for XX/XX/year>, was canceled on XX/XX/year>, due to my passport being stolen. As per the agreement with Synchrony, any charges for services not rendered should be refunded to my card. I provided all relevant documentation for the canceled trip and confirmed that I did not take the trip. Despite this, the company has reapplied the charges and interest a total of XXXX times. I have disputed these charges which was for XXXX plane tickets each {$340.00} for a total of {$690.00} of which I had been repeatedly told that it is my responsibility because of how I booked the trip. Which I told then even if I was sick I would have went however a stolen passport is something that is not out of my control. Throughout this process, I have never missed a payment and have continued to pay monthly. However, my interactions with both supervisors and agents have been met with rude and condescending responses, stating that they do not credit interest or reverse charges, and insisting that I am at fault. As a result, I am being held responsible for paying for a trip that I did not take. 
XXXX XXXX I disputed with them and they also refused to provide a credit of any help.
Product: Debt collection

ACCELERATED FINANCIAL SO XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX This company contacted me twice claiming to be a legal " skip tracing service '' in XX/XX/XXXX and XX/XX/XXXX. 

They expressed that they were attempting to collect a debt on behalf of XXXX ( when I returned the call. 

I expressed to them very clearly that I have not had XXXX service since early in XXXX, 12 years ago. They expressed that they purchased this debt. 

I neither owe, nor recognize any debt to this company or XXXX. I was paid off with them when I closed my account in XXXX. 

Further, upon request for information to be sent to me about this debt, I was refused. 

This company has gone as far as to file this as a negative on my credit report. I am disputing this with the credit companies currently as a fraud. 

Per my understanding 1 statute of limitations for collections is 4 years and statute of limitation for credit reporting is 7. Even if this was valid, it would fall well beyond both of these. 

I am further concerned that I was unable to receive ANY written documentation from them when requested yet they had no issue placing this on my credit report.
Product: Debt collection

XXXX XXXX XXXX Account # : XXXX  XXXX XXXX XXXX XXXX   XXXX , MN XXXX ( XXXX XXXX XXXX FIDELITY CREDITORS SVC Account # : XXXX  XXXX XXXX XXXX  XXXX XXXX , CA XXXX ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account # : XXXX  XXXX XXXX  XXXX XXXX XXXX, CA XXXX These accounts have been on my credit and I have received no bill or verification that this debt belongs to me and I have not idea how to verify that I pay. I have received no proof of this after asking for it from the debt collector. If this debt belongs to me I have no problem paying however I can not pay for something that I can not verify that belongs to me. This derogatory negative account on my credit is keeping me from starting my life over as you can see I have not used credit and have been responsible with all of my other accounts and closed them because I didnt want to live outside of my means. For the past several years I have been saving up and educating myself on credit and now is the time I am using my credit to reinvest back into my business to support my family. I can not have these types of accounts on my credit report.
Product: Student loan

Date : XX/XX/XXXX Mohela- XXXX XXXX XXXX MOHELA XXXX Missouri Higher Education Loan Authority MOHELA Address : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Re : Request for Partial Refund and Recalculation of Student Loans Pursuant to PSLF and IDR Plan Dear Mohela- Fed Loan Servicing I trust this letter finds you well. I am writing to formally communicate my persistent attempts to contact MOHELA with regard to obtaining a partial refund for a withdrawal dated XX/XX/XXXX, and the recalibration of my student loan obligations going forward. Kindly acknowledge this correspondence as a representation of my formal request. 

Over the course of the past three to four weeks, I have engaged in three distinct dialogues with various MOHELA representatives concerning the recalibration of my student loans in accordance with the Public Service Loan Forgiveness ( PSLF ) program and my pending Income-Driven Repayment ( IDR ) Plan Request. It is imperative to note that my professional occupation as an educator does not yield a substantial income, rendering the current monthly installment of {$780.00} untenable for me. 

During each of the aforementioned conversations, all MOHELA representatives verbally assured me that the recalibration of my repayment plan would be completed before the scheduled debit of my auto-debit account on XX/XX/XXXX. Specifically, the recalculated monthly installment was supposed to be modified from {$780.00} to {$200.00}. Regrettably, upon reviewing my bank account today ( XX/XX/XXXX ), I ascertained that my IDR plan remained unaltered at the amount of {$780.00}, which necessitates an immediate partial refund of {$570.00} to be credited to my bank account. Furthermore, I insist upon the recalibration of my IDR plan to reflect a monthly payment of {$200.00} moving forward before my next payment on XX/XX/XXXX. 

I implore you to expedite a response to this correspondence to facilitate the resolution of this pressing matter. I am currently constrained by the financial burden imposed by the existing monthly payment, and it is incumbent upon MOHELA to rectify this situation promptly. In the event that these issues remain unaddressed within a reasonable timeframe, I must regrettably consider engaging legal representation to safeguard my rights and interests. 

I appreciate your understanding of the urgency of this matter and kindly request a prompt resolution. I am prepared to cooperate fully with any necessary documentation or information required to expedite this process. 

Sincerely, Anonymous Student Loan Borrower