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

To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureau XXXX credit report. I recently retrieved my credit report and it showed ( number of hard inquiries you are disputing ) credit inquiries that I have no knowledge of ever authorizing. 

I am writing to dispute the following inquiries and asking for their removal from my credit report. 


XXXX XXXX AUTOS Inquired on XX/XX/2024 Business Type : XXXX  Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX  FINANCIAL Inquired on XX/XX/2024 Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX  FINANCIAL Inquired on XX/XX/2024 Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX  CARDS XXXX Inquired on XX/XX/2024 Business Type : Bank Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/2024 Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, XXXX By mail only XXXX XXXX Inquired on XX/XX/2024 Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/2024 Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2024 Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquired on XX/XX/2024 Business Type : Credit Unions XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX  XXXX on XX/XX/2024 Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/2024 Business XXXX XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/2024 Business Type XXXX Finance Companies - non specific XXXX XXXX XXXX  XXXX  XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX CO Inquired on XX/XX/2024 Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 
Sincerely,
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. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws under the FCRA ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically, the contract, note or other instrument bearing my signature, under FCRA Law. Failure to do so by XXXX, XXXX, AND EQUIFAX will result in my filing a lawsuit against you for a maximum amount of {$5000.00}. 

XXXX XXXX XXXX LATE PAYMENTS ON : XXXX AND XX/XX/XXXX Account number : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT TYPE : XXXX XXXX XXXX XXXX I dont believe the status of this account is accurate. THis delinquency on my credit report should not be there. I demand proof that you went through all of the proper and logical steps that would have been lawfully necessary to validate or refute my dispute. Please provide me with all instruments used to report this account on my credit report. If your agency is unable to do so, I demand that this account be removed from my credit report immediately. 

XXXX XXXX  BALANCE IS INCORRECT Account number : XXXX XXXX  : YOU MUST REPORT CORRECT BALANCE INFORMATION.
Product: Credit reporting or other personal consumer reports

About XXXX  months ago I chose to freeze my credit report information with all XXXX repositories in order to prevent fraud. My financial advisors recommend such an action. 

In XX/XX/XXXX 2022 we opened a XXXX with XXXX Bank for {$120000.00} to pay for home improvement and taxes. We disbursed the full amount of the XXXX immediately. We have paid in full and on time every month since then. 

In XXXX of XXXX XXXX Bank began to report to the XXXX repositories a 'Remarks ' coded as XXXX which stands for Credit Line Suspended. The same Remarks has appeared every quarter since then, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I never received any communication from XXXX Bank telling me my XXXX was suspended nor was there any reason to Suspend a XXXX that was already full disbursed and we were not asking for an increase in loan amount or any changes. 

I noticed this on my credit report in late 2024 because it was listed as 'Adverse Information ' by the credit repositories and therefore lowering my credit score significantly. 

In XX/XX/XXXXXXXX  2024 I called into to XXXX Bank to find out why they were coding my XXXX quarterly as Suspended. They told me that they quarterly they pull my credit report as a standard operating procedures for all XXXX. They told me that since my credit information was frozen and they could not access it, they Suspended my account. The person I talked thought they would change this information once she submitted my explanation. 

Then in XX/XX/XXXX, XXXX sent me a letter saying 'they never reported me as delinquent ' therefore my case was closed with no changes. They totally missed the point. The Remarks XXXX is what I asked to have removed. The repositories consider this Adverse Information.
Product: Credit reporting or other personal consumer reports

I sent my identification along with proof of address online and by mail to all three credit bureaus. They have wrong names and addresses on me.
Product: Student loan

I am currently on the Public Service Loan Forgiveness program through FedLoan Servicing. Every year I have to re-certify my IDR for my monthly payment amount. I kept receiving pop up notices on FedLoans website, emails, and reminders that I HAD to re-certify or my monthly payments would triple. So in XXXX I re-certified my IDR and my monthly payments almost doubled. Later, through my own research, I learned that I DID NOT have to re-certify for at least another year due to the Covid Relief actions by the government during the student loan forbearance period ( which ends in XX/XX/2022 ). Yet, this information was not conveyed to me by FedLoan through any means. In fact, it was buried in their website and not readily accessible unless you were looking for it, unlike all of the notifications stating I HAD to re-certify or face harsh financial burdens. I contacted FedLoan in the middle of XXXX, again in the middle of XXXX, and a third time this month in XXXX regarding them cancelling my latest IDR request ( that nearly doubled my monthly payments ) and reset it back to what it was prior to my re-certification in XXXX. I have heard nothing back. I did receive one generic reply but it said nothing about the questions and concerns I had. I contacted the Department of Education regarding the matter and they said I had to take it up with FedLoan. Which I did, but to no avail. FedLoan is still continuing their predatory behavior by not being forthright with the information that YOU DO NOT NEED TO RE-CERTIFY your monthly IDR until next year. I was informed the exact opposite of this. I am just asking that my monthly repayments resume in XXXX the same they were before the government forbearance was issued. FedLoan was supposed to be hiring more staff and extending hours to deal with the new PSLF temporary waiver, but it has been nearly three months since I have heard a reply to three separate inquiries regarding the same matter. I would like the issue resolved before student loan repayments resume and I have made that abundantly clear to FedLoan, but again, no response. This predatory and purposefully misleading nonsense was supposed to be cleared up, but it appears it is still very much alive and present. 

Best, XXXX XXXX
Product: Mortgage

Loan was transferred to new loan servicer ( Select Portfolio Servicing, also known as SPS ) XX/XX/21. Payment of {$11000.00} ( {$7200.00} XXXX mortgage + {$4400.00} additional principal ) was made on XX/XX/21 with initial Loan/bank. SPS applied total amount of {$11000.00} towards principal and thus shows XXXX mortgage was not paid, I called them to correct this and they have not been able to correct the matter correctly. When I paid XXXX payment over the phone with them on XX/XX/21 ( {$7200.00} ), that amount was applied to XXXX and as of today ( XX/XX/21 ) is showing I have not paid my XXXX payment. I have mailed in my XXXX payment and fear that that amount will be paid to XXXX and I will be in a constant month behind in my mortgage. It has been over 60 Days ( allowed by Federal agency to rectify my loan accounting since SPS took over as the new loan servicer ) and the accounting on my account still reflects that I am late on my payment. I have called every week ( as advised by the SPS representative to f/u and get a status ) and to this day the issue remains and my account is not accurate. Please correct ASAP.
Product: Debt collection

I am unemployed and a single Mother. The debt is over XXXX years old, they have seized my checking account and declined a settlement that I offered. Child support funds were in the account.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am reaching out to express deep concern about a significant error that XXXXXXXX XXXX has reported on my credit report. This error pertains to a 30-day late payment from XX/XX/XXXX, which is not due to any oversight on my part, but rather a XXXXXXXX XXXX Error . Reference number pertaining to the error was provided ( # XXXX ) to XXXXXXXX XXXX however I feel an investigation was not even done. The email was sent XX/XX/XXXX in the evening while XXXX XXXX  was closed, and I received a denial XX/XX/XXXX XXXX. I do not feel this was sufficient time for XXXXXXXX XXXX to honestly review my issue pertaining to the XXXX XXXX  reference number provided. I feel that I received a generic denial response to my dispute. This error is causing substantial disruption as it is preventing the approval of my necessary SBA loan. I plan to use this loan to open a primary care provider office, and this unwarranted negative mark on my credit report is causing considerable delays in this process. Despite previous attempt to correct this issue with XXXXXXXX XXXX  the problem remains unresolved. Given the urgency of the situation and the potential impact on my business plans, I am compelled to ask for your assistance. According to the guidelines provided by the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), I am officially disputing this inaccurate information. I kindly request its immediate correction or removal from my credit report. I am confident that you will handle this matter with the urgency it warrants and I look forward to a swift resolution. Sincerely, XXXX XXXX XXXX
Product: Debt collection

I did not consent, nor benefit from, or authorize any of the following Accounts : 1. Portfolio Recovery Associates LLC- report furnished by Portfolio Recovery Associates LLC 2. Portfolio Recovery Associates LLC - report furnished by XXXX. 

3. Portfolio Recovery Associates LLC - report furnished by XXXX. 

4. Portfolio Recovery Associates LLC - report furnished by XXXX XXXX XXXX. 

Pursuant to 15 USC 1681 ( a ) ( 4 ), there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Pursuant to 15 USC 1681 ( b ), you did not meet the needs of commerce because I do not find my consumer report to be fair, accurate and equitable to me.
Product: Debt collection

Good Afternoon. My name is XXXX XXXX XXXX. I received something in the mail from Sequium Asset Solutions in regards to a XXXX Debt that I do not owe. This letter is dated XX/XX/21 and I just received it today. It came from XXXX. It shouldn't have taken 7 days to get to me, but nonetheless, this is a debt that I do not owe. This is the 3rd or 4th time that it has been sold. Everytime that I dispute it due due to fraud, it is removed, it gets sold to another company. I am tired and over it. This debt does not belong to me at all.
Product: Credit card

On XX/XX/XXXX I received an email from XXXX stating that XXXX item from my order ( Order # XXXX ) had been cancelled and that I would be refunded {$11.00}. I had previously picked up the other item in the order from the store. 

As of XX/XX/XXXX the refund has not been processed to my XXXX credit card. 

I contacted XXXX customer service, and they incorrectly claimed that the cancelled item had been picked up. I then visited the store as advised, but the store staff was unable to resolve the issue. I am now left without the item and without my refund. 

I request that the {$11.00} refund be processed promptly to my XXXX credit card.
Product: Credit reporting or other personal consumer reports

I am a natural person and I have rights. under 15 usc 1681 .I have the right to a fair and accurate Credit report. I have been affected by Equifax admitted data breach which you CFPB penalized them for. I was highly affected and demand remedy in the form of not only limited to but starting with deletion of these inaccurate accounts of off my credit report. Equifax is ruled under 15 usc 1681. they violated my rights numerous of times. 15 usc 1681 states I have the right to privacy. I have never given Equifax written permission to furnish these accounts under my credit report, its a violation. it's hurting my life and family. 

accounts delete XXXX delete XXXX delete XXXX
Product: Debt collection

Portfolio associates are harassing me in an attempt to collect a debt which they report on my credit report every month. The date that the account was open is incorrect and so is the amount. The company calls all types of times during the day and night. Its harassing and they make threatening remarks as well.
Product: Credit card

PNC bank ( previously BBVA ) has been giving me a hard time with my business credit card since the opening of my account in XXXX. When BBVA turned into PNC, I was not able to access my account via the mobile app. So I decided to pay off the credit card and close the account. I paid off my credit card in XX/XX/XXXX. As told by one of their representatives, the account should have been closed after that payment. According to the representative I spoke with on XX/XX/XXXX, the account was closed but there is still a balance of {$10.00} that I was not informed of. I would like the company to waive that amount and close the account/claim for good.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act these companies have violated my rights. 

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

15 USC 1681-2 Responsibilities of Furnishers of information to consumer reporting agencies.

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

XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXXXXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report pulled without my permission of not knowing how severely these actions would affect my credit report. 15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX ( XXXX ) is in violation of several laws that are allotted to me by the FCRA ; 15 USC 1681i ( 5 ) ( A ), 15 USC 1681 B, 15 USC 1681 C-1, 15 USC 1681 C-2. Experian, XXXX, XXXX did not have my written consent to furnish any information on my credit report. Since you did not have my written consent to furnish any information on my credit report according to the FRCA it is constituted as identity theft. Since this late payment is on my credit report as a result of identity theft it must be taken off of my credit file. Moreover, when you guys closed the account you did not send my statements to my address. Since I was not getting my paper statements i was unaware of the due date causing me to fall behind on the payments. Moreover, on XX/XX/XXXX, I called XXXX and they notified me that XXXX only reports 60 days late and the representative went ahead and reverse the late fees and the interest payments and told me that since she did the reversal the monthly payment was satisfied and i did not have to make a payment. On XX/XX/XXXX I checked my credit report and i have a 30 day late payment on my experian profile. If i knew that i was going to be reported as 30 days late i would have made a payment on the 7th when i called in. The calls are recorded and monitored and you guys can go back and check that conservation that i had with that representative. Due to the misleading and false information that i got from a trained employee at your company, i have a late payment on my credit report. Also, on XX/XX/XXXX i spoke to XXXX, who was rude unprofessional and disgusting. He constantly hung up on me and even blocked my number from calling in when i wanted to speak to a XXXX. XXXX closes at XXXX XXXX CST and XXXX took it upon himself to cut off the phones to the customer service line at XXXX CST. I was unable to call in and speak to a manager to get my concerns addressed.
Product: Checking or savings account

Navy Federal has a lawsuit out for charging overdraft fees and I was a part of this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " 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. '' Lobel Financial is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Lobel Financial the financial institution and the Consumer reporting agencies XXXX and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, Lobel Financial whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Lobel Financial Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

XXXX XXXX XXXX never billed the Va choice and submitted to Paragon Revenue for collection and never sent me a copy of bill or sent me proof of billed sent to XXXX XXXX XXXX. They have never sent me a copy of medical bill either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on XXXX - XX/XX/2014. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit card

I requested to file a dispuite for charges to a item I ordered and never received. The merchant sent a different item than I ordered, and was giving me the run around. Citi refused to open a dispute stating they ca n't because I have the item. But the fact remains I do n't have and never had the item I ordered. So after refusing to dispute that I disputed the charge in difference of the price when I checked out. It was {$79.00}. I was billed {$86.00}. After numorous phone calls, and being told I had to wait to file a dispuite for the charge of a shoe I ordered, and never received till the other dispuite was done. Then I could. So after Citi refunded the amount they charged over the purchase price I called back once again, and now being told I can only open a dispute once. So they took my legal right away when I first called, and refused to file a dispute for the full purchase, witch is what I first requested! After asking to talk to a supviser she just repeated herself over, and over being very rude. I then called back to file a complaint for poor customer service, and was told they are to busy, and will call me back monday morning. They never called. So I called again and was told once again they will call me Tuesday morning. Citi customer service is very poor, and down right illegal.