23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Acct # XXXX This was the original account holder and the balance amount was {$1000.00}. Online Information Service ( XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ) must have been sold the account and the amount they keep reporting owed is {$1400.00}. Nothing on their statement can account shows what the additional {$360.00} is for. " Applicable fees and interest '' is not outline and is a predatory practice. Any time I attempt to get the amount corrected they will only share with the credit bureau I have been found and the update the file for the same amount- {$1400.00}. I have always told them my address so I am not " found '. I would pay the original amount of the debt but I am not paying an amount that is more than the original debt and have never been told what the additional amount is for and I do not want them to make up fees now that I keep inquiring about it.
Product: Credit reporting or other personal consumer reports

If you continue to disregard, fail to comply with, or lack substantial, satisfactory, and/or visibly evident proof of compliant reporting practices, I must caution you that this letter serves as my formal notice prior to potentially seeking redress in the nearest civil court through a writ of review concerning the aforementioned issues I suspect. Please understand that I am the affected consumer of your unverified or insufficient reporting practices. Consequently, I am disputing the assumed, yet highly conditional, reporting privileges for any and all claims contested within this consumer complaint. This statement demands your demonstration of authoritative, verifiable, compliant, legal reporting that unquestionably adheres to no less than the mandatory state and federal reporting requirements and statutes. My insistence on your thorough examination shall specifically encompass, but not be limited to, your adherence to agreements referenced within the FCBA, FCRA, ECOA, as well as all relevant laws within my state, proven to be sufficiently comprehensive in showcasing that your adequate statutory reporting occurred precisely as it pertains to any claim purported by you in my report ( s ). Of particular concern to me is whether any or all aspects of your claims are alleged yet demonstrate potential deficiencies, potentially deviating from your obligatory adherence to industry standards for lawful, fair, and ethical reporting, while maintaining an appropriate status. Undoubtedly, your obligation should be one of verifiable conformity to the Metro 2 Data Field Formatted Reporting Standards, as per CDIA guidelines! 

I've recently obtained copies of my personal consumer credit reports and have noticed questionable or insufficiently verified data within my file at your company 's offices, as outlined in my reviewed documents. I'm worried that this information might have been mistakenly or intentionally added back to my credit report by your offices after being removed from reporting, without providing the necessary five-day notice to me, as required by reporting regulations that your company must adhere to. 

According to the Fair Credit Reporting Act ( FCRA ), any previously removed reporting item can not be reinserted into a consumer 's credit report without written notice from the relevant credit reporting agency or agencies directly to me, the affected consumer, within five business days of the alleged reinsertion date. I want to make it clear that I haven't received any such notice or confirmation regarding the accuracy and completeness of the reported claims. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting

I have had a horrible experience with this Bureau. Equifax on XX/XX/XXXX deleted my whole credit file with XXXX new collection accounts that were old and had been previously deleted but When i called them and asked if they saw the new collections they stated there were none which there werent. On XX/XX/XXXX They updated the report with the old collections and my score dropped significantly from XXXX to a XXXX. I am trying to close on my home ( I cant stress this enough! ) In a nut shell I called XXXX of the Creditors ( XXXX ) they stated that they had deleted this from my file back in XX/XX/XXXX and had not reported this since then. Equifax has received a response from this credit regarding my dispute and still the accounts are showing on my report and not updated as deleted. They take forever to respond and send correct information as they should. This should be a law suit at this point. I should not have to fight to have my credit file updated correctly! Then as of XX/XX/XXXX my report was updated again like i had all brand new trade-lines and everything came back. Mind you i called and spent over 2 hours on the phone on XX/XX/XXXX asking why this happend and could not get a reason as to why.
Product: Vehicle loan or lease

In a dire situation compounded by financial hardship, I find myself compelled to address a grave issue concerning your unauthorized access to my credit profile. It has come to my attention that despite not providing explicit consent, your organization has unlawfully obtained my credit information. I want to stress that I have not granted you permission to access or review my credit report for any reason whatsoever. Furthermore, it's crucial to emphasize that under the law, you lack a permissible purpose to contact third parties or access my private and personal information without my explicit authorization. This unauthorized intrusion into my financial privacy has exacerbated my already dire circumstances, leaving me severely struggling to make ends meet. Regrettably, due to financial constraints, I am unable to afford the cost of postage to send physical letters. Therefore, I am reaching out to the Consumer Financial Protection Bureau ( CFPB ) to mediate this dispute on my behalf. I implore you to cease any further attempts to access or utilize my credit information without my explicit consent. The impact of your actions on my financial stability can not be overstated, and I urge you to rectify this matter immediately. Failure to comply with this request will compel me to pursue all available avenues to seek redress and hold your organization accountable for the distress it has caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed fraudulent accounts on my credit report and I am requesting them blocked immediately. I filled out an Identity theft report and have notified the credit reporting agencies, so this information can be blocked immediately.
Product: Credit reporting

XXXX is reporting my account like I owe them. I want proof that I opened an account with them. They have received my personal and confidential information from XXXX XXXX XXXX which is now closed, re-aged and re-opened a delinquent account in my name. They are reporting it on my credit report. I have reported it to the credit reporting agencies and to them they will not resolve the matter or will they supply proof. I will no longer accept a letterhead they typed saying I owe them. I want hard information, contract agreements with my signature saying I owe them because I know for a fact I do n't and it 's not legal for them to report on my credit report. If you were to look at my credit report, you will see XXXX companies with the same bill have an account in my name with XXXX different amounts but same account.
Product: Mortgage

Chase bought First Republic Bank ( FRB ) in XXXX. We have been paying our mortgage to FRB and took advantage of a Covid forbearance plan for 6 months then reinstated payments. Once Chase bought FRB, we wondered how this might change our payment process but continued paying through the FRB app. In XX/XX/XXXX, we got a notice from C

hase saying the foreclosure process had been started and we owed thousands on our mortgage.

We have reached out to Chase at least half a dozen times to clear this up. Each rep at Chase has had a different set of instructions or understanding of the issue. They couldn't see that we had made ANY payments to FRB for the past year or so. We were assured that a knowledgeable rep would call back after each attempt on our part to sort this out. This has not happened and we are beyond frustrated. 

Two weeks ago we made contact with a " XXXX '' at Chase and she said we should submit a mortgage assistance application and then make an initial payment of {$5000.00} once our paychecks cleared the following week. When my husband called back last week to make that payment another rep told him she could not accept {$5000.00} ; only {$17000.00} would suffice. We explained ( once again ) the history and what XXXX had told us the week before. She said XXXX would call us to straighten things out. No call has come in. 

We have made every good-faith effort to pay our mortgage.
Product: Student loan

Navient has not allowed me to access my online account for over a year. I need this access in order to make payments and check documents. As of right now the only way I can make payments is through the phone. Navient charges a fee to make a payment through the phone. It is posssible that Navient purposely restricts access to online accounts in order to make extra money through fees.
Product: Debt collection

Since XXXX 2017 I have try to get SAFCO to provide validation of debt through all three credit reporting agencys and so far no luck this big error is hurting me preventing me from making a big purchases on a house.
Product: Debt collection

A debt collector contacted my house about one of my neighbors. I have told them to stop calling my house. I don't think it's legal what they are doing. They have contacted other neighbors as well.
Product: Debt collection

Designed Receivable Solutions ( " DSR '' ) is a debt collector. Their client, to whom the debt is owed, had an incorrect address on file for me. Thus, an invoice for {$150.00} was never sent to my attention. Upon applying for a mortgage, I discovered this debt in collection. My credit is otherwise perfect and this debt which DSR reported to the agencies is a false representation of my personal credit information, and simply clerical inaccuracy. After discovering the debt on a credit report in XX/XX/XXXX, I immediately contacted Designed Receivable Solutions ( " DSR '' ) to ask for a validation notice so that I could understand what the debt was and to then pay, if valid. In XX/XX/XXXX, DSR stated that they would completely " expunge '' the record from my credit if I paid that day. I could not pay that day because I did not know what the debt was for. After asking DSR a second time ( in writing XX/XX/XXXX ) for validation they finally sent the original invoice ( on XXXX XXXX, 2015 ) -- over 3 months since I originally asked for validation of the debt in XX/XX/XXXX. Additionally, after contacting the XXXX XXXX ( whom the debt is owed ) on XXXX/XXXX/15 ( spoke with " XXXX '' at XXXX XXXX XXXX XXXX XXXX " XXXX '' ) she stated that the correct amount owed was {$150.00} and that I could make payment with her for {$150.00}. However DSR will continue to inaccurately report a collection item to the agencies as well as assert that {$13.00} of interest is owed to DSR, an item they are attempting to charge on top of the amount I owe XXXX. The amount was accidentally sent to a collection agency due to an incorrect address and insurance policy and I am attempting to appropriately pay that amount to the original Physicans owed. I ask the AG office to review the situation and appropriately communicate to DSR that they are engaging in practices that are misaligned with good will or good faith as well as the law for fair credit reporting
Product: Checking or savings account

Under the guise of system errors, TCF tried to charge me an overdraft fee that was completely their fault, and said themselves they wouldnt have corrected it if I hadnt brought it to their attention ; same situation with my sister.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 DEPT OF ED XX/XX/2022
Product: Student loan

XX/XX/XXXX Dear Consumer Financial Protection Bureau, I am writing to document significant issues with my current student loans and request remedy. I did not understand the terms of the loan when I originally took them as a XXXX  student more than 10 years ago. The amount that I owe now is more than four times the original principal, despite the fact that I only completed my education and licensure in the fall. I feel preyed upon and Navient will not offer any remedy, despite multiple attempts to work with them ( email exchange with Navient attached ).

[ I would write a few sentences here about what you knew and what the situation was when you took on the loans ] I took out {$46000.00} in student loans at age XXXX to pay for school expenses including books and tuition. I assumed that there would be some interest, but I didnt understand what a variable rate was and the impact that this purchase would have on my well being and livelihood. 

I am currently a XXXX XXXX XXXX and I have to work five jobs to pay my monthly payment. The interest only payment is approximately {$2100.00}. I have to pay above the interest to make even the slightest dent in my principal. As a result, I work a full-time job Monday through Friday, and four part time jobs including XXXX at two separate universitys and doing XXXX  XXXX  at two separate companies. This is not a sustainable practice, I am often exhausted and unable to properly care for myself and my family, I am also a mother. 

I have reached out to Navient multiple times regard additional payment options. I was denied twice via telephone and once via email for loan refinancing. The person I spoke with was unable to state why I did not meet the requirements for loan refinancing, they stated that they enter my information into the system and are provided with the options. The people I spoke with were also unable to tell me what had to be done in order for me to meet loan refinancing requirements with Navient. Additionally, I contacted Navient and was notified that they are unable to modify or settle any of my loans for a lesser value. 

Principal / Current balance / Variable interest rate XXXX / XXXX / XXXX XXXX / XXXX / XXXX XXXX / XXXX / XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX / XXXX XXXX / XXXX / XXXX Total Principal = XXXX Current Balance = XXXX This student loan experience is overwhelming. I am hopeful that, with your assistance and advocacy, I can have a reasonable monthly payment and pay off the principal I owe rather than extreme interest. 

Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Here are the list of companies that pulled my credit with out my permission so I ask that these inquiries be removed immediately List of companies/ inquiries XXXX XXXX XXXX XXXX XXXX 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 These are not my inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told from a company that my credit was froze I did not freeze my credit so I started to look into this matter. I signed into XXXX XXXX and XXXX and I had no credit freeze so I decided to look into equifax. I tried to log into my equixfax account but could not remember the password so like any normal person I called and told the equifax agent I need to get access to my account & also to ask if I had a credit freeze on my account. The agent asked me security questions and then told me I did have a freeze and I asked for him to remove it and he said yes. I then asked to help with access to my account since I didn't know my password he tried to reset it but it didn't work. It said my account was locked but did not tell me why it was locked. I called back for two more days straight talking to agents who gave me the spin around and wasted my whole day. I finally talked to one agent who finally asked me during the security verification if I had a previous address on file I said yes. He then told me that agents previous locked my account because when they asked for my address I gave them my current address and not the old address that Was linked to my account! Why would your agents waste my time for hours when they simply could have told me I have the wrong address. So now your untrained agents locked my account because I proved my new address instead of my old one And now you are saying I can't access my account unless I mail you guys a company of my ssn card and ID. How do I know that Is safe? Why can't I get access if I just gave you all my information why do I need to mail it. Because of equifax I have been behind on so many things because company 's and myself can't access my account.I wish I never used equifax. It is the worse credit company EVER! You can literally XXXX " I can't aces my equifax account '' and see thousands of treads of people having the same problem with you're company .I have no problems accessing my accounts with XXXX  or XXXX XXXX. I want access to my equifax account only to unlock my credit and NEVER use it again. Please tell me how to access to my account.
Product: Checking or savings account

Fraud Case number : XXXX XXXX XXXX XXXX Ph no. XXXX To whom it may concern. 

I am writing to request a respectable payment for all of the violations done to me by Wells Fargo Bank. The said bank told me they will only pay me for one offence and that's for adding a service without my permission. This is wholly offensive because they violated me in so many ways throughout the time I had an account with them. 

Violations : - Illegal use of identity - Illegal use of bank accounts- Unauthorized product enrollment - Hinderance of financial opportunities - Misuse of public trust - Potential credit score impact - Emotional distress and pain & suffering. 

I am requesting the amount of {$50000.00} USD to be awarded to me XXXX XXXX XXXX in the form of a check sent to my address at : XXXX XXXX XXXX # XXXX XXXX XXXX, CA. XXXX In conclusion : If Wells Fargo will stop XXXX  and XXXX  me and actually respect me by awarding me the amount that I requested, then we can peacefully settle this violation they committed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times with Equifax to temporarily lift my account freeze so I could apply for credit. I have the 10 digit PIN number but their website is never available ( I  have tried 20-30 times and it always says " Not available at this time. Please try again later. " ). When I call in they ask 8-12 questions which are basically unanswerable without a credit report in hand. The questions pertain to loans that are 5-10 years old, accounts that were cancelled over 4 years ago ( I kept naming cancelled accounts and they kept saying, " No, that's not it '' " No, not that one '' " Try another one. '' ) and account balances on specific statements. Hard to do when you are sitting in a retail store or car dealership, having them try and run your credit report. FYI, my credit score is XXXX to XXXX, depending on the agency, so I have immaculate credit and bad credit is not the problem. Equifax, because of their insecure history and blatant neglect of consumer information, has now gone so far in the opposite direction that they can no longer function as a viable credit reporting agency. I want some way to access my account freeze, which is not possible now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries that I didnt apply from Bank of America XXXX This inquiry was did on XX/XX/2022. I havent applied for any new credit
Product: Mortgage

We have been unsuccessful in getting accurate information from the loan servicer/mortgage company on the cancellation of MIP/PMI. From what I read there is an annual requirement that they inform us of our rights and a phone number for information. We have never been given that, but in fact have been given false information.
Product: Credit reporting or other personal consumer reports

My credit report shows several late payment discrepancies that do not match my consistent payment record. Please rectify these mistakes and update my account. Thank you!