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

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - 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 PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPBXXXXXXXX XXXX XXXX XXXX  PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Student loan

I tried to switch my payment plan from an XXXX plan to SAVE plan. I am working towards XXXX  so I need to make XXXX payments to qualify for forgiveness. My autopay was set to make a payment of {$270.00} on XX/XX/XXXX. After receiving 2 emails on XX/XX/XXXX, my autopay was removed and my loans were placed into administrative forbearance. I tried to call their customer service phone line multiple times on XX/XX/XXXX but was placed on a hold that had a greater than 90 minute queue. I work from XXXX to XXXX in a job that does not allow me to remain on hold indefinitely. The Mohela website shows that I owe XXXX on XXXX but it also shows that I am in administrative forbearance. I do not have the option of turning autopay back on and the manual pay function asks me to manually decide how much to pay for each loan and I can not confirm that paying in this way would be eligible as a XXXX  payment.
Product: Student loan

I am writing this complaint about a company Student Loan Financial Assist. 
This company is defrauding the government. This company is telling barrow that they can assist them with there student loans, and they are taking upfront fees that are not being placed into an escrow account. This company is telling barrows that the fees that they are paying are going to the balance of their student loans. This company is also charging barrows monthly fees that range from 8.00 to 75.00 a month. This company is also signing documents that are being sent to the Department of Education on behalf of the barrows. This company is also sending forbearance that is not signed by the barrow but is actually being signed employees of the company. SLFA is also calling the department of education collection pretending to be the barrow and providing them with incorrect information to ensure that the barrow is placed on a XXXX a month rehab plan, The documents that are beings sent to the collection are also not being signed by the barrow but employees of the company. The employees are told to do this by the Manager of the company. This company is also creating online accounts with services such as XXXX XXXX, XXXX XXXX, At one time this company was login on XXXX to complete the application, but that has now stop, and they are just sending paper application using an expired form and signing the application as the borrow without the barrow knowing. They are also using incorrect family size they are also stating that the barrows are unemployed when they actually have income.
Product: Mortgage

I am in a active bankruptcy making payments to a trustee for arrearage mortgage payments as well as sending monthly payments to the mortgage company. I have tried many times to obtain a loan modification to help lower the interest and payments and Ocwen has always told me they never received my application with the required documents. Today I received a very alarming mortgage statement that indicates they are placing my payments in " unapplied funds '' account. A while back they indicated to the courts I had not been making payments and I had to bring an entire years worth of bank statements to the bankruptcy judge to prove differently. When I see this, I feel like they are going to pull the same trick and claim I am not making payments and I am not sure as to why they are placing my payments in such an account. My payments should be going towards a current mortgage payment and not in a unapplied account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX & XXXX  credit file dated XXXX & XXXX/XXXX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.
Product: Mortgage

I received a foreclosure sale notice to my house from XXXX XXXX, XXXX on XX/XX/XXXX scheduled for sale on XX/XX/XXXX. The notice said in part " Enclosed please find a copy of the advertisement of sale as published in XXXX XXXX XXXX -- -- ''. I could not find a copy of the advertisement as claimed by XXXX XXXX, XXXX in the foreclosure notice letter I received. I have also checked XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX when I received the foreclosure notice letter I could not find the advertisement of foreclosure sale to my house in XXXX XXXX  XXXX as claimed by XXXX XXXX, XXXX. I also checked XXXX XXXX XXXX of XX/XX/XXXX I still could not find the advertisement in XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my reports and noticed you are reporting the incorrect high balance, incorrect date of last activity, and incorrect payment history for account ( XXXX XXXX ). Because the high balance, date of last activity, and payment history being reported by your company, XXXX, and XXXX are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being 100 % accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. Please delete this account immediately!
Product: Credit reporting or other personal consumer reports

I did not authorize these companies to pull my credit. 

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

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Equifax Credit Report. 
15 USC 1681e ( b ) Compliance and Procedures ( 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. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness off the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED immediately : XXXX. XXXX - XXXX In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In according with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts charging high interest Lowered my limit Excess charges not mine. 
Lenders/creditors have pulled credit without authorization
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). 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. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

XXXX XXXX balance {$470.00} XX/XX/XXXX, XXXX balance {$710.00} XX/XX/XXXX, XXXX XXXX balance {$490.00} XX/XX/XXXXXXXX XXXX XXXX  Balance {$780.00} XX/XX/XXXXXXXX XXXX XXXX XXXX balance {$520.00} XX/XX/XXXX Seven hard inquires that Im requesting to be removed as well are attached below XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Company refuses to troubleshoot password without card 3 digit number. When I closed my account I cut up my card therefore no longer have the 3 digit number on the back. I had been paying my bill online but then my password got stuck and now I can not retrieve or reset. Website log in states to call customer service. I called customer service they said they can not issue a new card or reset my password. They would not let me talk to a supervisor. I complained to Flagstar Bank via XXXX and received a call but it was their banking division who tried to talk to someone on the credit card side but did not receive any assistance to assist me. Credit card stated I can make phone payments. I want to pay online. I want to reset my password.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and remove it immediately in my report : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}. And, also, I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. Please delete. XXXX XXXX, XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$0.00}. Please remove.
Product: Credit reporting or other personal consumer reports

15 USC 1681 eb A charge off is considered ordinary income. A 1099c which means this is an inaccurate account furnishing on my credit report. It is canceled debt. The company filed it on there taxes, but also reporting it on my credit report as debt. If a charge off is reporting as original income how is it reporting on my report as debt. This is a violation of 15 USC 1681 ( EB ) this speaks on maximum accuracy on the consumer report. Also how are you going to collect interest on a debt thats paid off
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate removal of the XXXX XXXX unsecured loan account ( Account # XXXX ) currently listed on my credit report as being in collection status. Despite multiple previous attempts over several months to resolve this issue, the information remains inaccurate and incomplete, which constitutes a clear violation of the **Fair Credit Reporting Act ( FCRA ) **.

Under **15 U.S.C. 1681e ( b ) **, consumer reporting agencies like Experian are required to follow reasonable procedures to ensure the maximum accuracy of the information in consumer credit reports. The information reported for this account does not meet those standards, and I have already made you aware of these issues in prior correspondence. The fact that this issue remains unresolved is unacceptable.

Furthermore, according to **15 U.S.C . 1681i ( a ) **, when a consumer disputes the accuracy of information on their report, the credit reporting agency must conduct a reasonable reinvestigation. If any inaccuracies are found, the information must be corrected or removed promptly. I expect this to be done immediately as this matter has already been raised multiple times, and your failure to act is a direct violation of the law. 

# # # Violations of the Fair Credit Reporting Act ( FCRA ) 1. **Accuracy of Reporting** : Under **15 U.S.C. 1681c ( a ) **, any inaccurate, incomplete, or unverifiable information must be promptly removed or corrected. The account information in question is clearly inaccurate and incomplete and should therefore be removed from my report without delay. 

2. **Deletion of Fraudulent Information** : Per **15 U.S.C. 1681s-2 ( a ) **, furnishers of information are required to ensure the data they report to credit agencies is accurate. If inaccuracies or fraud are identified, the information must be deleted from the consumers credit file. Since this account is erroneous, it must be removed immediately. 

3. **Relevant Case Law** : In XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX  ) **, the Supreme Court held that credit reporting agencies are liable for reporting inaccurate information that causes harm to consumers. Similarly, in *XXXX XXXX XXXX** XXXX XXXX was held accountable for failing to correct inaccurate data after being notified, reinforcing the consumers right to accurate reporting. 

# # # Request for Immediate Action The inaccurate and fraudulent information regarding this account has already caused me significant harm, and I insist on its immediate removal from my credit report. If this issue is not resolved promptly, I will escalate the matter by filing formal complaints with both the **Consumer Financial Protection Bureau ( CFPB ) ** Please remove this listed account off my report, immediately.
Product: Credit reporting or other personal consumer reports

Late payment reporting In accordance with the Fair Credit Reporting Act, This creditor has violated my rights under 15 USC 1681section 602 states, I have the right to privacy. 15USC 1681section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on an account under an open-end consumer credit plan as late for any purpose.

Unauthorized Inquiries I have noticed unauthorized inquiries on my credit report and would like it removed. According to the FCRA, this unverified and unauthorized item must be removed. I would not like to have a freeze on my account it is not necessary I will freeze my accounts myself.
Product: Debt collection

1. They kept calling, leaving messages without identifying who they were and why they were calling.

2 They contacted people outside my home.

3. They threaten to take other actions if I didnt call back.

4. I returned the call and got the name of the company and realized it was a collectio
n agency, Alliance collection
Product: Credit card

I have rights created by federal law. The Fair Credit Billing Act ( FCBA ) allows consumers to dispute credit card charges and withhold payment while the dispute is resolved. 
On XX/XX/2024, I noticed a charge on my account that I believe to be in error, totaling {$110.00}. ) manually entered charge ). After reviewing the details, I am convinced this transaction does not accurately reflect the services rendered or products purchased. I have attached any relevant documentation I possess to support my claim, including receipts and communication logs. 
[ XXXX XXXX XXXX XXXX  quarterly I paid {$72.00}, I requested an additional waste bin via email to customer service because I am a new home XXXX XXXX who receives over XXXX boxes per month of XXXX  supplies. The response was accepted at an additional {$7.00} per month via XXXX XXXX customer service email, XXXX XXXX XXXX -manually overcharged my account going over the credit limit ( by charging {$110.00}! ) ] See supporting documentation of quarterly billing of {$72.00}, XXXX XXXX response of {$7.00} additional, then price gouging of {$110.00} billing. ] As a valued customer of US Bank, I appreciate your institution 's commits The Fair Credit Billing Act ( XXXX ) customer satisfaction and dispute resolution. Therefore, I kindly request that you investigate this matter thoroughly. Additionally, to alleviate the financial impact this charge has caused, I would appreciate it if you could provide the provisional credit of {$100.00} to my account while the investigation is underway. AND NOT ANOTHER UNABLE TO ASSIST NOTIFICATION. TWICE I HAVE CALLED AND SUPPLIED ALL INFO REQUESTED trust in your ability to resolve this issue amicably and look forward to your prompt response. Thank you for your attention to this matter, and please feel contact me at XXXX or XXXX should you require further information.
Product: Checking or savings account

I purchased a desktop on target store on XX/XX/XXXX, it showed delivered on XX/XX/XXXX. But when I came home theres only XXXX outside my home without any desktop or wire, I checked the delivery image they provided, the box is already been damage and open, the person who delivered this is stealing it, theres nothing inside the box, I called target to let them know whats happening but they said nothing they can do, they want me to open a dispute when Bank of America, I open a dispute but a month later they denied my claims because they said is a valid purchase, I know is valid purchase because I pay with my debit card, but the problem is I didnt received any items that I suppose to have, and then I called back to Bank of America and write them a letter telling them whats going on and asked them to reopen my claims, 2 days later they reopen my claim, but is been over 2 month now, and I open my Bank of America XXXX it shows they declined my case but without giving me any reason, I pay {$1100.00} on this desktop, this is not a small number I really need this desktop to start my new job, but Bank of America and XXXX both of them they dont care, they just push to fault to each other, I really hope I can get my money back please help me out!!
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened aXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$1900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

My loan with Nation Star has been going through a Deed in Lieu process for almost ten months now. I just singed the closing documents. for the address located at XXXX XXXX XXXX XXXX, TN XXXX. My credit report is showing that their are eleven missed payments. This needs to be corrected on my credit report immediately. Also, I keep trying to contact XXXX XXXX at Nation Star XXXX loan number XXXX she will not return any of my phone call.