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

I am XXXX XXXX XXXX XXXX that received the student debt relief and the debt has been removed off of my XXXX but, it is not being reflected/updated on XXXX or XXXX. My overall debt is still showing and reflecting the student loan amounts. 

I was awarded the XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are unauthorized inquires. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I sent out letter to all the credit bureaus XXXX XXXX and Transunion on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the credit bureau to do a verification of everything on my credit report, they did and stated everything on my report is accurate. Afterword I verified and did my own research to make sure everything stated by all 3 credit reporting companies was accurate and correctly shown in all 3. I found inconsistencies and improper use of my information by all 3 credit bureau companies even after I requested that everything be accurately verified. in accordance with the Fair credit reporting act XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have ALL 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: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT SIGN ANY AGREEMENT THAT GM FINANCIAL COULD FURNSH MY PERSONAL INFORMATION TO ANY COMPANY, WHICH IS A VIOLATION OF 15 USC 6821A. THIS IS AN ADVERSE ACTION AND IDENTITY THEFT. THIS IS ALSO A CLEAR VIOLATION 15 USC 1681B ( 2 ). THE REPORT OF 2 ALLEGED LATE PAYMENTS TO MY ACCOUNT XXXX IS NOT VERIFIED, WHICH IS A CLEAR VIOLATION OF 15 USC 1681A ( 4 ). THE INFORMATION PROVIDED TO THE CONSUMER REPORTING AGENCIES OF LATE PAYMENTS ARE INACCURATE AND A DEFAMATION OF MY CHARACTER, WHICH IS VIOLATING 15 USC 1681E ( B ) AND 15 USC 6821A ( 2 ). THIS INCORRECT REPORTING IS CAUSING DENIALS WHENEVER I'M TRYING TO EXTEND MY CREDIT FOR PERSONAL, FAMILY AND HOUSEHOLD USE.
Product: Credit reporting or other personal consumer reports

I had a dispute with a vendor on my Wells Fargo credit card. The item was in dispute and I informed Wells Fargo that I filed a court case against the vendor. Wells Fargo took the vendor side but I the judge told the vendor they needed to settle. Vendor credited the account in excess of outstanding balance. ( I won ). Wells Fargo sent me the overage and closed the account and then dinged my credit for late payments when the item was in dispute and the vendor had to credit the account. I should not have had late payments reported to the credit agencies by Wells Fargo for an item that was in dispute and that the vendor was forced to remove.
Product: Credit reporting

Equifax continues to report inquiries not authorized by me and refuses to properly investigate with the sources as required by federal law.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX RE : UPDATED & VERIFIED ACCOUNTS TO YOUR COMPANY, I HAVE RECEIVED THE REINVESTIGATION DISPUTE RESULTS FOR MY VERY SPECIFIC AND DETAILED DISPUTE I SENT TO YOUR COMPANY WITH SUPPORTING DOCUMENTATION THROUGH THE CFPB TO DELETE THESE ACCOUNTS, BUT THE ACCOUNTS WERE STILL UPDATED AND VERIFIED AS ACCURATE. YOU WERE REQUIRED TO CONDUCT A REASONABLE INVESTIGATION, BUT THIS DID NOT HAPPEN, AS YOU FAILED TO DO XXXX. 
SEND ME A DESCRIPTION OF YOUR REINVESTIGATION PROCEDURES FOR EACH INDIVIUAL ACCOUNT LISTED BELOW. IF YOU CAN NOT GIVE ME THE DESCRIPTION OF YOUR REINVESTIGATION PROCEDURE FOR EACH INDIVIDUAL ACCOUNT WITHIN 15 DAYS, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. 
XXXX. DELETE : ( XXXX XXXX ) ( ( UPDATE PAYMENT HISTORY FOR XX/XX/year> TO PAID ON TIME, NEVER LATE, PAID AS AGREED XXXX. PAID AS AGREED, PAID ON TIME, NEVER LATE/UPDATE : ( XXXX BANK ) ) ( I OBJECT TO ANOTHER REINVESTIGATION ) I REFUSE ANOTHER REINVESTIGATION ) YOU HAVE 15 DAYS TO RESPOND TO THIS LETTER WITH THE INFORMATION REQUESTED
Product: Credit reporting or other personal consumer reports

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX  XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.
Product: Credit reporting, credit repair services, 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  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 seven 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

Our home was hit by a tornado and our insurance company provided a check for the rebuild which was made out to my husband & me as well as Amerihome for {$170000.00}. Payoff for the mortgage was {$130000.00} Since it was a complete rebuild requiring more than {$170000.00}, we opted to payoff the mortgage and get a construction loan. I contacted Amerihome on XX/XX/XXXX regarding the process to payoff, which included sending a statement to the claims department stating that we wanted to use the funds to payoff the mortgage along with a payoff statement. I was told the surplus funds would be returned to me in the mail via check. I followed the exact instructions. I received the payoff statement on XX/XX/XXXX and sent all required documents along with the endorsed check via 3 day priority mail. Per USPS tracking, they should have received the check on XXXX. As of XX/XX/XXXX, the loan has not been paid off and no one can give me information on when it will be complete. I have called customer service 3 different times, being transferred back and forth between Mortgage & Claims multiple times. I am unable to access the claim on their insurance website -- I was told that is because it's a payoff. I have filed a complaint online with XXXX -- someone from XXXX left me a voicemail a week ago but I have tried to call them back twice & left voicemails with no response. I am told by the Claims department that I must contact Mortgage ; however, the Mortgage department directs me to Claims. I requested to speak to a Claims supervisor. I was told one would call back in 24-48 hours. A Claims supervisor ( XXXX XXXX XXXX called back after the 48 hour deadline and left a voicemail lecturing me that I needed to speak to Mortgage only and did not leave me a number to call back. I have tried the online chat services and have been told that they can not provide me with information. On XX/XX/XXXX, I spoke with someone named XXXX in Mortgage customer service who stated that the funds were in the final stage with the Pay-Off Department and would be complete that day. He stated that I should receive an email as well as see the change in my online account. As of XX/XX/XXXX, it still states that there has been no pay-off. I just spoke with Customer Service again and she stated that has never seen anything like what is going on in my account and that she can not provide me with any information -- only Claims can do that. My request to speak with a supervisor at that time was denied and I was told one would call me back within 2-3 hours. I did not receive a call.
Product: Debt collection

They are trying to collect a debt that has been flagged as fraud my credit was stolen and parties keep using my information to open accounts i have filed prior complaints about this identity theft Amount of debt : {$1800.00} Date say opened : XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX and all three credit bureaus : XXXX, XXXX and Transunion are reporting multiple late payments on my credit reports during the months XXXX and XXXX of 2017. All of my XXXX XXXX have been In Forebearance since XXXX of 2017 and no payments have been required ; therefore, it is impossible for me to have been late during those months. Despite my contacting XXXX XXXXXXXX XXXX and all three credit bureaus on multiple occasions since XXXX of this year this erroneous reporting remains on my credit reports and is negatively affecting my payment history and credit worthiness.
Product: Credit card or prepaid card

Best Buy ( Citibank ) closed my store charge card without notice to me. This prompted a drastic drop in my credit score. I called their customer service line to find out why the account had been closed where there were no disputes, unpaid charges, or other problems. I was informed that my card had been closed only because I had not used it in more than 24 months. I requested that the card be reopened, so that the history associated with it be restored to my credit bureau files. They refused and told me I would have to apply for a new account at a Best Buy store. This is unacceptable!!! I was NEVER GIVEN NOTICE that the card would be closed if I didn't use it for a certain period of time. I have had numerous other credit cards for years without using them and not had this problem. It is inappropriate and unacceptable for a creditor to unilaterally close a consumer credit account without notice to the cardholder, especially during a national emergency like the pandemic, when we are all struggling to maintain our finances. All I want is to have the card reopened under the same number as before.
Product: Credit reporting, credit repair services, or other personal consumer reports

What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with XXXX  but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of please investigate and provide proof with statements showing that these payments were late. If proof can't be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thank!
Product: Checking or savings account

I received a promotional letter for my business checking account to apply for a credit card and line of credit, the problem is that it was under a name i 'm not familiarize with who is not associated with my account.
I waited for the long weekend to end ( labor day weekend ) and call the business department at Wells Fargo on Tuesday XX/XX/XXXX and asked who is that person and how her name is associated with my businesses.
The respond was that they can see the promotional letter and that after talking to the fraud department they provided me with a case number and said that the fraud department will contact me with in 48 hours. case number # XXXX The week goes by and no one called so i decided to do a follow up hoping to hear they found the error and that it was fix at the minimum and hopefully there is no fraud attempt on my account.
I called the fraud department and gave them the case number above, they said they are not dealing with this claim and that i need to talk to the businesses department once again.
so i called once more and this time after verifying with " the executive office '' i was told " we ca n't see this letter in the system '' we do n't see this name on your account and the only thing we can do is change your preference of solicitation so you will not get those letters in the future.
My respond was : the only reason i found that this name is associated with my account some ware in the bank is because i received this letter so why would i like to not get those any more. I understand that this name is not on my account but consider wells Fargo history with creating duplicates accounts and not getting a clear answer onto why this name is associated with my account in any way ( for the second time by the way - the first time i let it go thinking it might just be a glitch ) i would like some one in higher attorney to ask those questions and hopefully get a clear answers : 1. Who is XXXX XXXX XXXX ?
2. How is she associated to my business in the bank data base/account/literature?
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday, XX/XX/2022, I received an alert from XXXX XXXX that there were a few hard inquiries that had been added to my credit report. These are the inquiries that were added : XXXX Credit : XX/XX/2022 - BRCLYSBANKDE - New Credit Inquiry XX/XX/2022 - XXXX - XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 - XXXX - Card Service - New Credit Inquiry XX/XX/2022 - XXXX  - New Credit Inquiry I have called all of the credit card companies listed and reported the fraud but was informed that no new accounts had been opened. I am assuming someone tried to open several cards in my name, but they were thankfully unsuccessful. 

However, the hard inquiries are still on my credit report, and XXXX and XXXX can not remove them until I have filed a dispute. I would like to have them removed immediately. 

Thank you.
Product: Student loan

I attended the XXXX XXXX of XXXX between XXXX and XXXX where I was repeatedly pushed and encouraged to pay for my XXXX with private loans through Navient. Since then the repayment terms have been vague or inaccurate, with me being told directly on the phone that the monthly payments would be a specific amount each month and currently creeps up higher in payments every month for years now. My school and their loan lenders recently were found to be misleading and a scam in the recent XXXX XXXX XXXXXXXX federal court case on XXXX XXXX, XXXX and have been ordered to dismiss the federal loans for those schools. My federal loans are currently being forgiven in XXXX due to that case. Navient was also ordered to forgive defaulted private loans in a settlement with the attorney general in a court case on XXXX, XXXX due to predatory practices and misleading information. Between the court-proven record of misleading and criminal practices as well as lying about the amount my current monthly payments are, I wish to file this complaint and push for the remaining private loans to be expunged as well.
Product: Credit card

I believe the account is invalid. FIRSTPOINT COLLECTION RESOURCES needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.FIRSTPOINT COLL RESO XXXX
Product: Credit reporting or other personal consumer reports

I want reported accounts to be removed. 

XXXX department Loans
Product: Debt collection

A couple of weeks ago, I received a validation notice from the " EASTERN ACCOUNT SYSTEM OF CONNECTICUT , INC. '' Under the FDCPA ( 15 USC 1692 ), this constitutes timely written notice that I dispute the entire amount of the purported debt and the actual allegation. I decline to pay until I receive substantial evidence, with an officer from their corporation signing a statement under the penalty of perjury to support their claim.

This electronic complaint is to serve as official NOTICE OF MY DISPUTE AND DEMAND. The company should be expecting to receive written correspondence from me as well. Said correspondence should be there within 1-2 weeks.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a formal dispute letter to TransUnion regarding fraudulent accounts that were opened in my name due to identity theft. I provided all necessary supporting documentation, including an FTC Identity Theft Report, proof of identity, and proof of address, requesting the removal of these unauthorized accounts and a copy of my updated credit report. Despite the legal requirement under the Fair Credit Reporting Act ( FCRA ) to respond within 30 days, TransUnion has failed to take any action or provide a response as of XX/XX/year>, making this my second attempt to resolve this issue. 

Additionally, TransUnion did not fulfill my request for a corrected copy of my credit report, which further violates my rights under the FCRA. This lack of transparency and failure to act has caused significant emotional and financial distress. 

The fraudulent accounts include : 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 have already investigated and confirmed these accounts as fraudulent, promptly removing them from my credit reports. TransUnions continued inaction is concerning and unacceptable. 

I also wish to address a correction to my previously submitted FTC Identity Theft Report, which originally listed an incorrect address ( XXXX XXXX XXXX ) instead of my correct address ( XXXX XXXX XXXX ). The updated FTC report now accurately reflects my address and lists the fraudulent accounts. I have attached this updated report for your reference. 

Resolution Requested : 1. Immediate removal of the fraudulent accounts listed above.

2. Written confirmation that the accounts have been removed and my records corrected.

3. Provision of an updated and corrected copy of my credit report.

I have enclosed the following supporting documents for your convenience : A copy of my government-issued ID ( passport ) A copy of my Social Security card Proof of my current address The updated and corrected FTC Identity Theft Report TransUnions failure to respond within the required timeframe is a violation of federal law. If this issue is not resolved promptly, I may pursue further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies under 15 U.S.C. 1681n and 15 U.S.C. 1681o for noncompliance. 

I look forward to your immediate attention and resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some time in XX/XX/2020 I placed a call to Navient inquiring about an education loan that was showing up on my credit report. I gave Navient my information and they were unable to locate an account. The representative was able to locate an account when I gave my social security number but nothing else matched. I was told I would receive paperwork in the mail and to fill it out and send it back. On XX/XX/XXXX, I sent back to Navient the completed form, with copies of supporting documentation such as my social security card, my driver 's license, etc. 

I heard back from Navient on XX/XX/XXXX asking for a copy of my high school diploma. I got in touch with my high school and all they were able to do is provide me with a copy of my transcript. Being as that I graduated high school XXXX years ago, my high school is unable to re-issue a diploma. Further more, it is not something that they make in-house and would have to find the business that they worked with XXXX  years ago to produce another diploma. They assured me it was a certified copy and that it should serve whatever purpose I needed it for. I sent a copy of the diploma to Navient on XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter that Navient was unable to verify my claim of identity theft and that the loans were mine. The reasons they gave were that I requested deferments/forbearance/consolidation/forgiveness, and submitted correspondence acknowledging responsibility for the loan. 

On XX/XX/XXXX, I responded requesting evidence and documentation of these requests for deferments/forbearance/consolidation/forgiveness, and copies of any and all correspondence I have submitted that acknowledged my responsibility, and payment history, dates and and amounts of any and all payments made on the loan. I also requested description of the procedure Navient used to determine thevalidity, accuracy and completeness of the student loan such as the school name, address, name of person contacted, and telephone number. 

On XX/XX/XXXX, Navient sent a letter stating that they were unable to confirm my claim of identity theft/forgery for the following reasons : requesting deferments/forbearance/consolidation, not receiving requested documentation to substantiate claim, and that I expressed interest in enrolling in alternate repayment programs. 

I need help. It seems like Navient is looking at me as a person with a genuine and legitimate concern. I only receive form letters saying the same thing over and over. I have sent everything they have requested but there is no acknowledgement of these documents. The loan does not belong to me and I need help just getting them to listen and look at all the evidence I have provided. I was not even in US during the times Navient said these loans were borrowed.