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

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX  ; XXXX XXXX XXXX XXXXXXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXXXXXX Balance : {$2700.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} ; XXXX XXXX Balance : {$480.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Student loan

Dear XXXX, XXXX school : XXXX XXXX, XXXX, Montana ; XXXX XX/XX/XXXX XXXX XXXX : University of XXXX XXXX XXXX XXXX ; graduating XX/XX/XXXX Unfortunately, I received my XXXX private student loans through Wells Fargo. Post graduation, the multiple loans were consolidated into XXXX loan. I worked for a few years and was able to easily make payments. However, upon attending law school, Wells Fargo informed me I would not be able to defer my payments during school. Now, I pay over {$280.00} per month for my XXXX loans. These payments are crushing. To get by, I have been forced to use credit cards as I have n't enough money to pay for necessities. I use my federal student loans from law school to pay for the Wells Fargo student loan and now all of my additional credit cards. The money always runs out at the end of the year, and I end up racking up late payments galore. If student loans were dischargeable, I would have filed bankruptcy. If my parents had not have co-signed I probably would have quit paying them, becuase I simply can not do it anymore. 
I am in the top XXXX of my class and receive excellent grades. I have a job lined up for after school. I understand the nature of secured and unsecured transactions. I understand my contract obligations. However, before law school I was less savy. Had I known about the miserable circumstance I would be in now, I never would have consolidated my loans. I definitely would never have received a loan through Wells Fargo. Wells Fargo is 100 % unwilling to help. Their customer service representatives inform me that my type of loan is one of the only types that can not be deferred. This is predatory and unfair. This loan has ruined my life. I work 30 hours a week in addition to going to XXXX in order to make these payments. I am going to work 12 hours XX/XX/XXXX so that I can hopefully catch up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of credit fraud in which someone tried using my identity to open credit cards. I filed all paperwork with FTC and all legal action is completed, copies sent to all the Bureaus. I need these unauthorized inquiries removed immediately!! 
The Unauthorized Inquiries on my EQUIFAX and XXXX XXXX Reports : Equifax : XXXX. XXXXXXXX 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 XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX claims that I have a debt with them. I am disputing this debt with Equifax. Equifax claims to have evidence from the original XXXX XXXX XXXX XXXX that validates the debt. The evidence they have presented in no way validates this debt. It looks like something XXXX made up on their computer and submitted. I could make up the same thing thing on my computer and put Equifaxes name on it. I want to see a signed credit card receipt with my name on it. If they dont have that then I need to see a copy of the credit card agreement between me and XXXX XXXX XXXX. If they dont have that then I need to see the phone records from XXXX XXXX XXXX from when I activated this alleged credit card. There is nothing that validates this debt yet Equfax claims to have proof of debt from original creditor but they refuse to show it to me. What they have presented does not validate this debt in anyway. See the attached document that Equfax has presented as proof of debt validation. I have asked XXXX 4 times ( all 4 times I submitted my request VIA the XXXX SC XXXX ) to validate this debt and they have yet to reply. I sent my first request to XXXX through the XXXX XXXX on XX/XX/XXXX ). The only thing XXXX has sent me is proof that I have not paid them. They have yet to submit the first credit card receipt with my name on it. They have yet to produce the credit card contract or alleged contract. They have showed no proof except for an alleged bill from XXXX XXXX XXXX. I could have made that same thing on my computer and put their names on it. If Equifax has actual proof that validates this debt I want to see it. I did not have a credit Card with XXXX XXXX XXXX in XXXX. I do have an unsecured credit card with XXXX XXXX XXXX but it is in good standing. If they can not produce Credible proof of this alleged debt then I want XXXX ( AKA XXXX XXXX ) trade line removed from my credit report. I have also request debt verification from XXXX through the CFPB and have yet to receive a response. I have attached the last response I received from XXXX XXXX. ( This was not through the XXXX of CFPB ) This was a response to a e-mail I sent them asking for debt verification.
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  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : AFXXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of 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 XXXX 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: Mortgage

I am XXXX months behind on my mortgage payments and need assistance to help pay before it moves to foreclosure proceedings. My mortgage payment is {$1900.00} and I owe XXXX & XXXX.
Product: Credit card

Subject : XXXX XXXX XXXX Navy Federal Credit Union for Premature Dispute Resolution Closure To Whom It May Concern at the Consumer Financial Protection Bureau, I am writing to file a formal complaint against Navy Federal Credit Union regarding their handling of my credit card dispute claims. The claims in question concern XXXX transactions made with XXXXXXXX XXXX XXXXXXXX, XXXX for {$6200.00} and another for {$380.00}, which were both summarily dismissed by the credit union on XX/XX/XXXX. 

Details of the Dispute : The purchases at XXXXXXXX XXXX XXXXXXXX were conducted under circumstances involving misleading sales tactics and high-pressure sales environments, which I believe misrepresented the nature and value of the services and products offered. Despite my efforts to amicably resolve the issues with the merchant, including attempts to return the unopened merchandise, I was met with non-responsiveness. Subsequently, I turned to Navy Federal Credit Union for assistance. 

Concerns with Navy Federal 's Resolution Process : The decisions to close my claims were based solely on the premise that I received merchandise or a service in exchange for the payment. This overlooks the core issues of my dispute : the deceptive practices employed during the sale. Navy Federal 's investigation concluded without a proper review of the detailed evidence I provided, which documented the circumstances of the sales and my attempts to rectify the situation directly with the merchant. 

Inadequate XXXX and XXXX Rights : I am concerned that the swift closure of my disputes suggests an inadequate review of the facts and fails to uphold my rights as a consumer. According to the XXXX Credit Billing Act, consumers are entitled to a fair investigation of their disputes, and creditors are required to consider all evidence presented by the consumer. The rapid dismissal of my disputes appears to contravene these requirements, leaving me without recourse against practices that I believe are unfair and deceptive. 

Request for CFPB Intervention : Given the issues outlined, I am seeking the CFPBs intervention to ensure a thorough and fair reevaluation of these disputes by Navy Federal Credit Union. It is imperative that financial institutions adhere to regulatory standards that protect consumers from fraudulent and deceptive business practices. 

Attached to this complaint are copies of all correspondence with the merchant and Navy Federal, documented evidence of the unopened products, and records of my communications attempting to resolve this matter. 

I also attached documentation that shows where I contacted NFCU on XX/XX/XXXX ( a day after the purchase ) while the charge was still pending. Also they weren't able to assist until the purchase was posted, I did my due diligence in alerting them of the issue in the event the merchant would not be cooperative in refunding the charges. 

Thank you for your attention to this serious matter. I trust that the Consumer Financial Protection Bureau will provide the necessary oversight to address this issue and uphold my rights as a consumer. 

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

I recently viewed my credit report 's and became aware of a " Capital One Auto Finance '' hard hit inquiry dated XX/XX/2019 that I don't recall authorizing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the outset, THIS IS NOT A DUPLICATE COMPLAINT, and I EXPECT A RESPONSE FROM THE COMPANY or a CIVIL LAWSUIT WILL BE FILED NEXT. 

AmeriSave Mortgage ( " AmeriSave '' ), without my knowledge or consent, provided my personal identifying information, including, name, address, social security number and full date of birth to a third party, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I have never authorized nor consented to AmeriSave providing any of my personal identifying information to anyone. AmeriSave never advised me at anytime on or prior to disclosing my personal identifying information that it intended to provide my personal identifying information to anyone for any purpose whatsoever, and now my personal identifying information is in the hands of third-parties which has placed my personal identifying information at a high risk of being misused. Furthermore, I never authorized AmeriSave to upload any of my personal identifying information to the CFPB portal, which was contained in a document described as a " XXXX XXXX XXXX Report ''. This unauthorized disclosure and upload of my personal identifying information to third parties, including to XXXX XXXX and the CFPB violates my privacy as well as Federal and State law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, and XXXX, JP Morgan Chase had fraudulently pulled from my Credit Report from XXXX and it has dinged my scored, yet tried to mediate the situation, but to no avail. Then, on XX/XX/XXXX, XXXX XXXX / XXXX had also did such action. Finally on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX has also used my information without knowledge. No one has access to my information.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized inquiries listed on my consumer credit report, as referenced below, which appear to be a result of identity theft or fraudulent activity. These inquiries were made without my consent, and I demand verifiable proof, including documentation bearing my signature or electronic signature, to confirm their legitimacy. 

I did not authorize any of these inquiries, and their presence on my credit report constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ) regarding the block of information resulting from identity theft, and Section 604 ( 15 U.S.C. 1681b ) concerning permissible purposes for consumer reports. 

I have already contacted the companies involved, but I have found that these inquiries were initiated without any proper validation or original proof from the reporting companies. As such, these inquiries are inaccurate, and I assert they are the result of identity theft or unlawful reporting by creditors or third-party data furnishers. 

I request that these unauthorized inquiries be thoroughly investigated, and if no legitimate proof can be provided, they should be removed from my credit report in compliance with the FCRA.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax, Experian and Transunion for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions. Equifax, Experian and Transunion consistently responds in a short period of time stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681i which mandates a reasonable investigation of disputes. Furthermore Equifax, Experian and Transunion, actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure com Equifax, Experian and Transunion complies with federal law and provides consumers with the necessary proof of investigation. Transunion shows an Account in collections/charged off at the same time with an open balance with no account number present. Experian shows the same as a charge off account was closed in XX/XX/XXXX I never received a 1099-c from this company they kept charging off 5 years later Experian verified acct which still shows from XXXX Charge offs to XX/XX/XXXX as accurate!!! According to FCRA i have the right to an accurate credit report
Product: Credit reporting or other personal consumer reports

Equifax Data Breach I have closed that need to be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX - XXXX XXXX, on XX/XX/XXXX, CITIBANK, NA/XXXX  and on XX/XX/XXXX, XXXX/XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$90.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 States A consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make 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 ) ( l ) 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, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # has violated my right. 
15 USC 1681 Section 602 states I have rights to privacy.

15 USA 1681section 604 A Section 2 : also states a consumer reporting Angency Can not furnish a account without my written consent. 
15 USA 16668 : A states a creditor may not treat a payment on a credit card account under an open end consumer credit Plans as late for any purpose. 
There are improper use of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a federally protected consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 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 an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

This loan was paid in full and still impacting my credit negatively and I have asked multiple multiple times for it to be removed and its never removed from XXXX, XXXX XXXX and XXXX
Product: Mortgage

Dear CFPB Team, I have a mortgage with Citadel Servicing Corporation.

Due to the Coronavirus lockdown, we were forced to apply for forbearance which Citadel approved from XX/XX/2020 until XX/XX/2020. 
We then agreed on a payback plan which we honored and made full payments every month according to the contract we signed. 
However, there was a change in servicing within Citadel and due to that internal change, our new mortgage statements did not reflect the payment amount that was agreed upon in our payback contract.

We contacted Citadel and they told us that they were not aware of any payback contract or agreement and that no such notes were recorded in their system. 
We were advised to only send in the new lower payment that was shown on the monthly mortgage statements which we did every month on time.

Besides the fact that Citadel incorrectly reported us to the credit agency as delinquent, they had no idea that we had an existing legal payback contract. Therefore, I emailed Citadel a copy of the signed payback contract and advised them to remove any negative reporting on our credit. 
As per their suggestion, we applied for a new loss mitigation package. Meanwhile, they told us that they would honor the payback contract but only if we could pay the difference of the new lower payment to the higher repayment plan for the multiple months they did not bill us correctly. Due to our financial situation we were unable to do so and sent in our loss mitigation application. 
Today we received a letter that states that we have 30 days to pay off {$50000.00}. 
This is absolutely ridiculous and unethical. This complete mess was NOT caused by us but by Citadel due to the change in their servicing operation. 
None of this should be to our disadvantage since we kept our part of the agreement and were clearly harmed by Citadels sloppy payment department that did not know that we had a signed repayment contract. 
Please help us resolve this matter and start our new repayment agreement from this month on. 
Thank you very much. 
With best wishes, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Wells fargo never sent the title when finished with the loan and refused to remediate the tiltle. 
The representative / supervisor was rude when discussing the issue with me.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Filed Complaint # XXXX against XXXX which was referred to CFPB referred complaint to the Federal Trade Commission ( FTC ) on XX/XX/XXXX and closed. 

In addition, Complaint # XXXX was filed against XXXX XXXX XXXX XXXX XXXX. Per the company 's response, to CFPB : " The account has been placed in a disputed status and verification of the debt will be requested from our client and mailed the address on file. There will be no further communication until the dispute investigation is completed. On behalf of XXXX XXXX XXXX XXXX XXXX I want to apologize for any inconvenience that this may have caused you. Thank You, XXXX XXXX Compliance XXXX XXXX XXXX XXXX XXXX XXXX '' As of today 's date, I have not received any further communication from XXXX XXXX OR XXXX with regards to the dispute. However, today, XX/XX/XXXX. I received a new collection letter from ERC requesting payment of the same {$170.00}