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

Subject : Illegal Credit Report Inquiry by XXXX XXXX FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX for unlawfully accessing my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 
1681b ( f ). On XX/XX/year>, XXXX XXXX  performed a credit inquiry without my authorization or any permissible purpose as defined by the FCRA. 
Under 15 U.S.C. 1681b, companies are required to have a permissible purposesuch as a credit transaction initiated by the consumer, a court order, or a business transaction that requires access to my credit informationto lawfully pull my credit report. I have no such relationship or outstanding debt with XXXX XXXX that would justify this inquiry. 
This unauthorized credit pull has negatively affected my credit score and caused undue stress. 
As such, I am seeking the following : 1. Statutory Damages : Pursuant to 15 U.S.C. 1681n ( a ), I am requesting statutory damages in the amount of {$1000.00} for willful noncompliance with the FCRA. 
2. Actual Damages : I have suffered harm, including emotional distress and potential damage to my credit standing, due to this unlawful inquiry. I reserve the right to seek actual damages in addition to statutory damages. 
Please investigate this violation of my consumer rights and take action against XXXX XXXX to prevent future illegal activities. I also request that the unauthorized inquiry be removed from my credit report immediately. 
Thank you for your attention to this matter, and I look forward to your timely response. 

Sincerely XXXX XXXX
Product: Debt collection

I never received a verification of debt from the company Aargon Agency Inc. The Debt is for {$1900.00}. The debt collector has now reported it to my credit report.
Product: Student loan

Unfortunately I do not have dates regarding my phone calls to Nelnet. But, I called Nelnet regarding the IDR forgiveness in the spring/early summer. I had a group of older loans consolidated from degrees conferred in XXXX and in XXXX and then another group of loans from a degree conferred in XXXX. I had the older loans consolidated. I called to inquire if I needed to consolidate all of my loans in order to take the most advantage of the IDR forgiveness. The representative informed me that I did not need to do that to get the most from the potential forgiveness. My loans from XXXX and XXXX were completely forgiven. I called Nelnet back and asked if all of my loans were consolidated, would they all have been forgiven? The rep said, " yes they would have been. '' She apologized profusely and told me many others are experiencing this me issue but there is nothing that can be done. She recommended calling the Federal Student Aid, which I did and was also told there is nothing that could be done. I would have consolidated my loans if I would have been advised to do so, but I was told I did not need to do so to get the most forgiveness. I even emailed the Federal Student Loan Aid office in XXXX to find out the answer to this question ( Case XXXX XXXX XXXX ) and they referred me to my servicer. No one was able to answer this question for me. I did my best to clarify the information on the Fed Student loan website and Nelnet, it was very unclear to the consumer.
Product: Mortgage

When the pandemic hit in XX/XX/XXXX, I was current on my 30 years fixed rate mortgage that started in XXXX of XXXX. 

Because of financial distressed caused by XXXX, I went into forbearance for 18 months. At that time, my lender, Mr. Cooper, assured me that any months in forbearance would extend my loan by the same amount of months in forbearance. I was told this program was backed by the federal government. 

Recently, I successfully completed my trial period to emerge from forbearance. My lender, Mr. Cooper, advised they would be sending me paperwork for a loan modification. Today ( XX/XX/XXXX ), I received their paperwork and was astonished. Mr. Cooper kept my interest rate the same, added what seems to be the appropriate amount of money to the principle of my mortgage, and raised my monthly payment by ~ {$200.00}. That seemed reasonable. The only huge issue, is that they added XXXX more years to my maturity date! In essence, Mr. Cooper wants me to pay XXXX more years for missing 18 months of payments. That is insane. 

I called my lender and was basically told it was a take-it or leave-it deal without any rational explanation for the radical change in maturity dates. The most trouble part is that they only gave me 10 days to make a decision. I am retired senior citizen and am terrified the bank will try to take my decades-long home away from me.
Product: Checking or savings account

I had filed a claim with Chase that was later reversed ( not in my favor ).
They were supposed to reach out to me for documentation and never did.
Chase reversed    XXXX  transactions from my claim causing my ledger to be inaccurate which caused an avalanche of overdraft fees. The representative said that while she understood that the transactions were related to their reversal, that because the fees were n't caused directly enough by the reversed transactions. She said she would have to do it as a courtesy refund. That was limited to 3. I had requested  XXXX  be refunded, several of which were after the last times I have tried to take care of this.
I had tried to handle this a couple times before, last time being a few days ago when I was told their systems were down and I would have to call back. That is fine, but now I am on the hook for at least  XXXX  more overdraft fees that have posted.
They say they messaged me about reversing the claim, but if they did, it was in a different way than they have handled this type of dispute in the past. This is not a change I was made aware of.
I have escalated this in 2 separate departments and am so frustrated with this bank. If you have the resources to review my account further back, you 'll likely see that there are other things I should have filed claims with you about, but I simply do n't have the stamina.
Additionally, they have removed my ability to make mobile deposits simply because I have had an overdraft within the last year. Out of nowhere. I 've never abused or bounced a cheque, let alone via their mobile app.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}, {$600.00}, {$1200.00}, {$560.00}, {$190.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616,  and pursue legal action. 
-ACCOUNTS- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$600.00} -This is not my account. 

-STUDENT ACCOUNTS- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1200.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$560.00} -This is not my account. 


XXXX XXXX 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$190.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its illegal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFBP ) has recently filed a lawsuit against EXPERIAN, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, Where EXPERIAN has neither corrected nor removed disputed items despite the evidence I Provide, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as EXPERIAN inaction violates federal law and rights as a consumer.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp due to inadequate customer service and unfair practices.wich violate the consumer financial protection act. Specifically cashapp failed to take timely and effective measures to prevent and address fraud on said platform. Leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process is unfair and deceptive. As not complying with error resolution requirements under electronic fund transfer act or EFTA and regulation E. These actions have cause significant inconvenience and financial losses and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$17000.00}
Product: Checking or savings account

My name is XXXX XXXX and I used square payment as a payment processing for my XXXX. 

But they stopped offering me their services because I had a chargeback and they said they will hold my available funds until XX/XX/2020 then they will send it to me. 

They assured me that they will get in touch one week before they send the money on XX/XX/2020. They haven't got in touch with me, but they kept withdrawing money from my bank account for a fee I do not understand. 

The chargebacks were all settled and I have about {$500.00} which was ruled in my favor in my square account but the money has disappeared and I can't find it anymore. 

I need to remind square of that to send my money as promised or I will sue them
Product: Debt collection

On XX/XX/year> I was XXXX moving into my first student housing apartment XXXX hours away from home to attend my XXXX  year of university. However when I arrived to move, the place was filthy. So my mother suggested that I leave Apt . complex XXXX and sign a lease somewhere else. So on that day around XXXX my mother and I, under immense amount of stress, go to an Apt complex XXXX ( the one that sold the debt ) and requested to sign a lease there. Apt complex XXXX informed us that although we signed a lease, we may not be accepted and we also were asked to pay money for the lease to be accepted. They also informed us it was the choice of the person who already occupied the Apt . whether I can stay so I was given their contact information in order to ask for personal permission. The managers on shift also gave my mother their personal contact information in case we needed anything else because they sensed the urgency and helplessness of the situation given the fact that I lived nowhere near XXXX and would have no where to go. 

Around XXXX XXXX  we left to back to Apt complex XXXX  and seen that it had been cleaned so I decided to stay where I originally signed a lease. During that time, we were on a time crunch because my mother had work later that night and she lived XXXX hours from where we were so we had to move in quickly. 

After I moved in to Apt XXXX, my mother let me know that she had informed the manager at around XXXX through text message that I would no longer be needed to move in and to cancel the process. She read the message but did not reply. At that time also I had still not been approved for the apartment. 

My mother informed me that she also did call the office and was informed by and employee on shift that they would pass the message along. 

On XX/XX/XXXX I was refunded the money i paid for the lease to go through. At that time I thought that everything was ok and it had been cancelled. I was also never contact verbally or by phone by anyone from Apt complex XXXX I normally have my phone as my preferred method of contact. 

According to my email, on XX/XX/XXXX I was sent an email by Apt complex XXXX, however I did not see it until the time the debt had already been sold. 

They sold my debt with the claims that I owe rent but how can I owe rent to a property I never lived in AND if they also acknowledged the cancellation of my lease by sending me a refund back.
Product: Payday loan, title loan, personal loan, or advance loan

Upstart Inc has been negligent for almost two years, regarding a dispute that I have sent them and velocity investments. The disputes were sent certified mail with tracking number. The letters were received but ignored. The letter were pertaining to the lack of material disclosures related to the contract at hand. Also credit reporting issues with mathematical errors and how long the account was actually open. The dispute also requested documentary evidence for this account included but not limited to tax documents and or new or merged contracts pertaining to this personal loan. Upstart has gave me the run around for two years. I have recently filed for arbitration as well to get to the bottom of this deception.
Product: Credit reporting or other personal consumer reports

I am not associated with the creditors mentioned, and I did not request these inquiries.
Product: Bank account or service

THIS IS NOT A DUPLICATE.  For the XXXX time in less than XXXX days Chase has processed a large item first so that they can then charge XXXX overdraft fees on small items.   A total of XXXX overdraft fees for $XXXX each totalling $XXXX was charged to my account.  Additionally the reverse positve pay that is on for my account is no longer working and does not give me the chance to review the checks before they pay.
Product: Credit reporting or other personal consumer reports

Transunion is up to something or hiding something possibly. I am 100 % unable to generate my credit report, nor unable to see previously generated credit reports. The last credit report and dispute date I remember seeing displayed on the site was from XX/XX/2023, but it was already XXXX at that time and I had plenty more after XXXX which were and still gone without a trace. I called them and explained this, but they didn't acknowledge it at all. They asked for all my information and accessed my report just fine every time I called, but they still never acknowledged me telling each of them that I could not get my report and that everything had been reverted to the past. I can not get my transunion report to generate through annualcreditreport either, but I was able to get my transunion report generated just fine through XXXX using the premium membership... I also have not received a paper report from transunion, then the last time I called them I was hung up on and called back multiple times only to constantly be looped through the automated system confirming my identity over and over and over. I have it recorded each time too as proof.
Product: Credit reporting or other personal consumer reports

I filed for XXXX XXXX XXXX on XX/XX/XXXX with a XXXX attorney. All my creditors XXXX reporting due the XXXX federal law. UpStart I did a personal loan with them to pay IRS taxes. I confirmed with them and the confirmed that they recieved the XXXX filing notice XX/XX/XXXX. I had made ALL my installement payment prior to the XXXX filing " Paid on time Paid as Agreed '' However they reported on XXXX late payments ; XXXX XXXX 30 day late, XXXX XXXX 60 day lateXXXX XXXX XXXX  90 day late. The XXXX XXXX XXXXXXXX XXXX XXXXXXXX account and referred it to a collection company. 
When I talked to Upstart customer service person in XXXX XXXX they said they had the XXXX filling document from my XXXX attorney. I asked them why they are violating XXXX credit reporting laws and they said they have a company that deals with XXXX and that they did have my XXXX attorney on record. He referred by to XXXX ( XXXX XXXX, XXXX. I called them and left messages. 
I told Upstart customer service that 'they/Upstart '' are reporting incorrectly and to remove.
Product: Debt collection

Checked my credit report, and saw that there was a new debt in collections from ONLNNFOXXXX. Never recieved anything in the mail pertaining to this, nor do I have the slightest clue as to where this is from. Have no clue who else to contact about this. But I believe this was done without my knowlege and / or approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX XXXX XXXXXXXX asking them to send proof with my signature for over 5 years just recently I sent them a police report and the company still fail to remove this student loan off my report I have also sent them my id .I have sent out over XXXX letters asking them to send me original signuature they have fail to do so .XXXX XXXX XXXXXXXX I have reach out to them on numerous occasion over the phone they stated it will be removed.and yet it is not this is very frustrating just want this off immeadtly.i have also spoke with a young lady by the name of XXXX if that was her real name she stated to me that the company XXXX was being sued for fraud years ago and that I wasn't the only one going through this.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit reports I determined that there are some accounts that are reporting that should not be reporting.. 
I am asking for a Notice to receive the three disclosure forms of the account agreements ..The accounts I am requesting the three disclosure forms are for 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 XXXXXXXX. Please send over all disclosure forms when these accounts were opened.. The first disclosure form should state that my non public personal information may be sent to a third party, the next disclosure form should stating I have the right to opt out of having my non public personal information sent to a third party and lastly the disclosure form showing me exactly how I can exercise that right to opting out.. Pursuant to 15USC 6802 b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
If these specific documents are not provided according to the GRAMM LEACH BLILEY ACT 15 USC 6801 ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. My rights have been violated greatlyAnd the original contract I entered in with these companies Have been very much misleading and deceptive.. Moreover if you fail to honor my request and discriminate against me for exercising my rights that will be another clear violation of the Law 15 USC 1691 ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( XXXX ) because the applicant has in good faith exercised any right under this chapter. 
If fraudulent activity has taken place in the above mentioned accounts please discharge the accounts Thank You XXXX XXXX Also there are many inquiries that need to be removed from my credit reports because I did not give permission for these mentioned companies below permission to run my credit.. 
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 reporting or other personal consumer reports

To whom this may concern, I have tried multiples time sending you a letter but due to my limited English and inexperience regarding dispute to credit bureau I keep getting rejected on this inaccurate late payment report on XXXX XXXX XX/XX/2022. 
This is not funny anymore this is a serious matter and I need you to take me serious There a late payment on XXXX XXXX on my credit report that are not accurate and this is truly hurting my chance of refinancing my home so I can keep up with the monthly Mortgage before they going through foreclosure soon. 
The mortgage company told me you could fix this issue and these late payments are incorrect and need to be updated to on-time paid as agreed you are reporting late and those dates need to be changed to paid as agreed. 
I am in dire need of your help to fix this issue please do not ignore my letters my because whole family depend on this. 
I did reach out to XXXX XXXX company and they told me they going to take it off but the problem when I called them it was like 4 months after they report me a late payment on XX/XX/2022 that Im not even aware of! They told me they cant take off anymore since it already past 1 month after they accidently report me a month before. Telling me to contact credit bureaus now. 
I dont know if theyre lying trying to cover their mistake or not but at that time I didnt think it important to resolve the matter until now I tried to refinancing my home. That when I know how important that I have to clean up my credit profile not to mentioned I have tons of unauthorized tried to open credit card account under my name. 
I dont want to bring any law code in this letter because I think we can resolve this problem in a good matter. You guy keep sending me rejecting letter stating I need to do this on my own. So Im trying my best to dispute this on my own knowledge but this will the last time I will report this problem and If this cant resolve I have to report to CFPB. Thank You