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

Experian Fraud Dispute Resolution XXXX XXXX XXXX XXXX, TX XXXX XXXX Dear Sir/Madam, This letter has been written and submitted on my own behalf by me, XXXX XXXX XXXX XXXX any third-party assistance. 

My name is XXXX XXXX, and I am writing to dispute several accounts that were fraudulently opened in my name. These accounts were created by someone who changed my last name. I have never authorized the use of my personal information, nor have I received any credit from these creditors. Please delete the accounts and associated inquiries from my credit report. 

I attempted to upload my identification online ; however, your system would not allow it. I have contacted each creditor, and they have confirmed that these accounts are under an incorrect name using my Social Security number and can only be removed by disputing with the credit bureau. This is also confirmed by reviewing my own credit report. 

Additionally, I request that my credit score be restored to XXXX, as it has been negatively impacted due to this fraudulent activity. 

The accounts in question are : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - Account Number XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX XXXXXXXX Please process this dispute as soon as possible and confirm receipt of this letter. 

Thank you for your prompt attention to this matter. 

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

I went to XXXX XXXX to possibly buy a vehicle, during initial greet everything went well until it came time to talk about numbers and financing the vehicle. Multiple times during their request for my information they assured me and guaranteed it would not pull a hard inquiry and it did, when confronting them on the subject they said my bad, we miscommunicated mind you I had not signed any paperwork up to this point. When it came time to actually run my credit there were only allotted to run it five total times and they ran it six. They continuously lied about the figures being presented to me, today I got a report that my credit received another hard inquiry from the dealer. When I called to confront them about this matter as I didnt buy a vehicle there and left with no purchase the finance manager was very irate and unprofessional about the matter and unfortunately not very empathetic towards the safety of my credit. He stated multiple time that it wasnt him or Im not going to talk to you if you are not going to listen to what I am saying this was extremely rude and unprofessional. They over inquired on my credit without permission and they pulled a hard inquiry with no signature or permission for that one, all they had to say was it was a miscommunication.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

Navy Federal Cr Un debt collector didn't verify collection. No contract. No signature
Product: Debt collection

I was called by Lein Enforcement Inc. regarding a debt that I was not aware of on Tuesday, XX/XX/2023. The debt they claim I owe is for overdue towing charges for a vehicle no longer in my possession. They then proceeded to name my employer my home address as well as other personal information. I explained I sold the vehicle long before it was towed and submitted a Release of liability to my DMV in California. They provided an email " XXXX '' to submit proof of the release of liability. Later that day I submitted proof and Called the next day. On Wednesday, XX/XX/2023 I called the debt collecting to inform them I submitted the proof of a release of liability. The operator then stated the information is incomplete and that I owe {$1500.00}. After I explained again that I submitted a release of liability to the operator they will talk to their supervisor regarding the situation after a short moment the operator comes back on and states their boss agreed to settle the debt for {$1300.00}. They told me I have one week until this new settlement is available, and a week has passed they stated they will garnish my wages.
Product: Student loan

I initially applied for PSLF during the Waiver period last year. I then updated my non-profit employer from XXXX. I had an issue where my employer ( a non-profit public hospital ), was being flagged as a for profit. This was corrected in XXXX. 

During that same month, my Waiver credits were applied to my account, giving me 55 PSLF payment credits. 

I have waited for updates on my account, as I watch my colleagues seem to breeze through the process, with a handful already receiving forgiveness. On XX/XX/XXXX, I called at XXXX. The representative was quite thorough and found that 28 payment credits were missing for : XXXX - XXXX XXXX - XX/XX/XXXX I was a public school teacher at the time - PSLF certification was submitted and is attached to show what I submitted to account for these date ranges. The representative submitted a review on my behalf to reconcile those missing 28 payment credits. She told me that I need to wait 14 days for feedback I was anxious and called again on XX/XX/XXXX. It looked like nothing had happened yet following the request for review. On this day, this representative contacted her Supervisor, who tried figuring out why waiver credits were missing for date ranges listed above. The Supervisor also saw no reason for this and submitted yet another Review to try and reconcile the missing payments. 

I believe that whomever counted the payment credits, may have mistakenly only counted one of the two separate occasions I worked for XXXX XXXX XXXX XXXX. I worked there twice. First from XX/XX/XXXX to XX/XX/XXXX, and then I went back and worked from XX/XX/XXXX to XX/XX/XXXX. I have attached both work certifications to show what I submitted to Mohela. 

I feel that I continue to wait - call - told to wait some more. This has been a cycle. I would appreciate if the waiver credit for my 2nd time as a teacher were counted.
Product: Student loan

I have attempted to contact Navient multiple times to change the amount I pay each month regarding my school loans. XX/XX/2016 I took a paycut of about {$20000.00} in income. Since then I have been struggling to make my payment each month and since I am on a income based payment plan I have tried to update my income with Navient. Each time I call in the say they will send an email with instructions on how and where to adjust my income. The email I receive does not show me where I should go on their website and takes me in loops when I follow the instructions provided in the email. Therefore, I have been late on other bills and payments to other institutions since my school loans are pulled automatically and I ca n't afford the amount I pay each month. Contacting Navient has resulted in the same email with no help from whomever I speak on the phone with. I have given up on trying to contact Navient and am attempting to struggle through each month. 

I also have difficulty understanding the amount I am being asked to repay. When I have called in to Navient, the customer service reps have been unable to explain why different loans have different rates. I feel as if the people working with Navient are not versed in the basic information I need to answer the questions
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian violated FCRA by not responding or investigating inaccurate items on my credit report. It has been more than 60 days and they are continuing to violate federal law by indicating I did not file this complaint. I have attached copies of all correspondence with Experian including proof of identification and residency.
Product: Mortgage

I am having a financial hardship and thus got behind on my mortgage. I was able to qualify for a hardest hit fund program in Oregon and payment are being made. The Sale date was postponed but the Loan was sold from XXXX XXXX to SLS ( Specialized Loan Servicing LLC ). I was never notified in writing that SLS kept the sale date that it was postponed too prior with XXXX XXXX. SLS has had the Loan less than 40 days and is already going through with the Sale date. I tried calling them and they wouldn't even let me postpone the date so I can try to sell or try to pay the reinstatement amount with OHSI 's program. I received a letter from SLS on XX/XX/2018 letting me know that I was behind and that they have mitigation options but never any notice for foreclosure. They are still receiving payments from hardest hit fund but will not work with me to postpone date.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 
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
Product: Checking or savings account

Tried to cash a check drawn on Bank of America and they refused to cash it.
Product: Payday loan, title loan, or personal loan

I went onto XXXX to look for an auto refinance loan. 
Autopay.com was offering me a personal loan quote for my refinance of 3.97 % and a term of 60 months. 
I applied for this loan offer and spoke to Autopay and informed them that I am only interested in a loan at those terms. 
They promised me I had nothing to worry about. 

Later I receive notice from one of there partner lenders that I am being approved for a loan at 8.01 %. I did not apply for any loan at this interest rate. I did not apply for a general refinance loan where the lender would offer me interest rates after a credit inquiry. 
I applied specifically for a loan at 3.97 % and a term of 60 months. 
This hard inquiry has now caused me damages to my credit report.
Product: Credit card or prepaid card

I tried to use my credit card in XX/XX/XXXX only to have it denied ... i had just paid my bill recently and I knew there was plenty of funds on the card, so I called customer service. I was told that my account was past due! It was not!! At some point, the customer service rep advised me that my billing due date had changed ( by accident ) since I had not authorized this change. My billing date was always around the middle of the month and all of a sudden it was showing due by the XX/XX/XXXX of each month. I told the representative that I had NOT changed the date and it needed to go back to my original due date. She assured me that she would take care of this and that it would not cause any issues! Since the middle of XX/XX/XXXX through present, I repeatedly receive emails saying that I am " past due '' or behind on payments, which I am not! I have called them about 3-4 times regarding this issue and I can not use the card because it is showing I am past due! As of right now, I paid {$50.00} before the due date and which is also more than the minimum payment and my purchase of {$42.00} was denied this weekend! My online account statement says that I have {$64.00} remaining credit and that I am past due. They need to get it together and get this issue fixed immediately! I am tired of dealing with it! Furthermore, I am not sure if I am being charged a late fee unneccessarily or if the " lateness '' is being incorrectly reported to credit agencies. How long does it take to fix something like this? I wouldn't think it would take this long!
Product: Debt collection

On XX/XX/year> I receive first communication through email from midland credit management. There are over 8 violations according to the FDCPA. The Original creditor hasn't notified me of anything regarding Midland Credit. I have not been given a 30 day debt validation notice through the mail, I need to see the chain of title because companies are hacked everyday, I didn't get a XXXX for my tax records, where is the account statement from the original creditor stating last payment date and amount, I also don't live in the state Michigan and I have no real evidence this exist.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in XXXX to XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I XXXX XXXX Currently have Fraudulent Inquiries in Accounts appearing on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered on each of the XXXX credit bureaus a credit card account that I never approved to be opened. Once I received it in the mail on XX/XX/XXXX I immediately called SYNCB/AMAZON letting them know they had made a mistake & I didnt want the card. They said theyd take care of it but I had no idea they registered as an open account & then a closed account staying on my credit report. This is affecting my overall credit history from where it should be. 

I am in the process of closing on a new home & pulled my reports to find this error. I contacted all 3 bureaus ( XXXX, XXXX, & XXXX  ) on XX/XX/XXXX & they all put in disputes to have it removed but said it could take 30 days, but I could try to expedite the process by reaching out to SYNCB/AMAZON so on the same day XX/XX/XXXX I contacted them but they said they could not expedite it for me & it would take up to 45 days. I told them I do not have up to 45 days as the contract on this home is pending & I'm trying to get the absolute best rates but they didnt seem to care about us losing out on this home. We have now lost out on that home & am looking at another house now. Please help get this expedited to be removed immediately, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry from XXXX on XX/XX/2022 that I did not authorize. I would like to dispute this hard inquiry.
Product: Vehicle loan or lease

Carvana lied about my contract terms, the XXXX registration and problems they didnt report with the car. Also my extended warranty didnt cover any issues the mechanical deem preexisting. I cant get any help wit from them and I cant even get a copy of my contract to have a lawyer go over it
Product: Credit card or prepaid card

Around XX/XX/2018 I was in the XXXX, CT XXXX XXXX XXXX  store. I was only going to buy one necklace as a XXXX XXXX gift, but the price was going to be under {$250.00}. I was told I should buy something else because if I spend more than {$250.00} on my XXXX Credit Card it was interest deferred for 6 months. In total I spent {$480.00} on two necklaces.

I specifically asked them, twice, if I paid the bill off within the 6 months if there would be no interest and I was told yes. In fact, they also tried to talk me in to getting a 20 Mens White Gold Curb Chain for {$1200.00} and said that I should do it then because they didnt know if the deferred interest would be available at a later time.

Over the past three payments I have paid them {$150.00}. My balance is currently {$350.00}. I noticed when I made the last payment that so far they have charged me {$28.00} in interest. It's not a lot of money and I'm less upset with the actual money and more with the fact that I was lied to and tricked into using the card. I could have only bought one necklace and paid cash, but I doubled the order based on false information.

I contacted the card company who filed a dispute that I've heard nothing about since. I also contacted their corporate office and the store via XXXX. I received an email back that said that I would have had to spend more than {$500.00} and put down 20 % in order to qualify.

They never mentioned anything about the {$500.00} limit or the 20 % down, which doesnt sound like it would be part of the credit card anyway. It sounds more like if you were to be going through XXXX XXXX, which they offer and I have used before at a different store. They do require 20 % down, it's. no credit check needed and hooked right up to your bank account, and has deferred interest for 6 months. I would have been happy to do it that way if I was told that that was going to be the way I could get 0 % interest. Like I said I didn't need two necklaces and had cash, so the only reason I did it at all was to take advantage of the promotional interest.

When I XXXX XXXX XXXX and the credit card for reviews, I find many other people who have complained about the same exact issue.

I would like to work something out where I can rectify the issue with the store and credit card company, because I really like doing business with them. However, I am now very upset because I was misled into purchasing additional items so the bill would be high enough to qualify for a program that I wasnt even given. I also am in sales at a car dealership, so I understand that being paid on commission makes you want to upset, which I was fine with ... I even was considering getting the {$1200.00} chain for myself, and now am glad I didn't because that would have been charged interest as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. This account is fraudulent and needs to be removed. XXXX XXXX {$7700.00}. Fact, The XXXX XXXX  XXXX XXXX is intended to inform consumers about the cost of credit. The companies above violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all XXXX violations. Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. The companies listed above is falsely publicizing an account addressed to me on XXXX, Equifax XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. The companies above has published my information publicly on Equifax, XXXX & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. Fact, 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. The companies above has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. XXXX, XXXX is aware and has proof in attachment labeled as exhibit A and the companies above. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. The companies above has published an account they have of mine on the companies above. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.
Product: Credit reporting or other personal consumer reports

I have contacted several time and warned company against calling and harassing. I have submitted ID theft report from FTC.gov website, the company also ignores that they are in violation of 3 federal codes. 15 U.S. CODE 6802, 15 U.S CODE 1681B, 18 U.S CODE 1028.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX XXXX XXXX -ARS # XXXX -XXXX  # XXXX XXXX # XXXX -ENHANCED RECOVERY COMPAN # XXXX -XXXX XXXX XXXX XXXX # XXXX