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

Subject : Dispute of Unauthorized Credit Inquiries I have noticed unauthorized inquiries on my credit report that I did not consent to. Upon reaching out to the creditors responsible, they confirmed that they have no record of my initiating these inquiries or providing any verbal or written authorization. Since these inquiries are not valid, I kindly request your immediate removal from my credit report. 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is [ FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Details of Disputed Inquiries : XXXX. XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX - XXXX XXXX XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements.

Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRA 's permissible purposes. 

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 

XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2019 XXXX went to XXXX XXXX for XXXX XXXX. We paid the bill using our XXXX on XX/XX/2019 which combined the payment with another charge from XXXX XXXX that occurred on that same day. Attached is proof that XXXX XXXX cashed the check. In XXXX we received a statement from NPAS stating we still had the full amount unpaid. We called them and said it was paid and sent them the attachment showing the check was cashed by XXXX XXXX. They then said it would go back to a special department that handles these situations. We called that special department and they said the payment was used in the wrong account and they would refund the check and then we could resubmit. We never got a check from them. We called them and they said they would escalate and see what went wrong and give us a call. They never called. We called them after a few weeks and they said they would try again and that it would take 30 days. After thirty days we called them back and they gave us a run around and basically nothing had happened and they needed another 30 days. After another 30 days we called and nothing had happened and they were going to escalate, call us back, yet they did nothing. We now have received another bill from NPAS sating we have to pay the entire amount in full. They took our money and didn't apply it to our account. They won't give it back, and now are charging us again. That amounts to them stealing our money, threatening to ruin our credit history by sending us to collections if we don't pay twice.
Product: Debt collection

Dear Sir/Madam : My name is XXXX XXXX XXXX and I am writing to file a formal complaint regarding a serious financial issue that has negatively impacted my account and credit score. I mistakenly purchased a domain through XXXX for {$28000.00}, thinking it was priced at {$28.00}. Upon realizing the mistake, I immediately contacted XXXX customer service and followed the necessary steps to cancel the transaction before it was finalized. 

XXXX removed the domain from my account, which I understood to be a resolution in my favor. However, to my surprise, PayPal is still reflecting a {$28000.00} debt, even though neither my bank nor PayPal processed the payment due to insufficient funds, and I never took possession of the domain. 

This unjust charge is severely impacting my credit, despite the fact that I do not own the domain, nor did I authorize such a charge. Despite multiple appeals and communications with both XXXX and PayPal, this issue remains unresolved. 

I am formally requesting that a thorough investigation be conducted, and that this unauthorized debt be removed from my PayPal account. Should I not receive a favorable response within XXXX business days, I will be forced to pursue further legal action and file my case with the appropriate consumer protection authorities. 

I appreciate your immediate attention to this urgent matter. 

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

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My daughter was denied credit by Key Bank National Association on XX/XX/20. She had applied to payoff an existing student loan with another lender. The amount of the loan was for {$33000.00}. The only reason cited for adverse action was due to her debt to income. 

Key Bank allowed her to reapply by adding a cosigner, so I applied with her. On XX/XX/20, the application was denied due to her employment time ; though the denial letter stated she did not meet the program requirements, they were referring to her job time. 

Her disclosed credit score was XXXX and mine was XXXX. I have ample employment time and very low debt obligations. I should have been considered as a a well qualified cosigner. 

My complaint is why did this company allow her to reapply with a cosigner but to only deny us for a different reason related to her. I feel like I was given no consideration for this request.
Product: Debt collection

1. The name of the original creditor.

2. The amount of the debt, including an itemized breakdown of any fees or charges.

3. Verification that you are authorized to collect on this debt.

4. Copies of any judgments, contracts, or agreements that establish the debt and your right to collect it.

Under the FDCPA, I have the right to request this information within 30 days of your first communication regarding this debt. I also request that all future communications regarding this debt be in writing. It was requested on XX/XX/2024
Product: Credit reporting or other personal consumer reports

I recently submitted a dispute for a collections account due to account being a medical debt less then 12 months old which is violating reporting laws. Dispute was updated within less then XXXX stating that account was verified as accurate but I was not given any proof of verification and account is still illegally being reported on my credit. 

Account : XXXX  XXXX XXXX {$2800.00} I also disputed inquiries on my report which were not made by me. Company also verified these inquiries as accurate, however I have been shown zero proof as to where I am the one that authorized these inquiries. I have reported fraudulent activity to the FTC multiple times however the credit bureaus continue reporting these fraudulent inquiries on my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Someone applied for a credit card in my name with Comenity capital bank on XX/XX/21 which caused me to have an inquiry on my credit.They said that they close the account, but they still never took the inquiry off of my credit. It was for a XXXX Credit card. My email address is XXXX and home address XXXX XXXX XXXX XXXX, XXXX. Ga XXXX.
Product: Mortgage

To Whom it May Concern : I have a mortgage with Compass Bank ( loan number XXXX ) which I am trying to refinance. The bank has quoted a payoff quote that is excessive. My current statement attached shows a balance of {$150000.00} as of XXXX. A mortgage payment was posted after this statement was issued ( XXXX ). However, they are showing a current payoff of over {$160000.00}. When I called their customer department they informed me there was a {$2900.00} interest charge added to the payoff. They are researching this situation in order to verify the payoff amount and have asked anywhere from XXXX to XXXX hours to conduct their audit and respond. 
I believe this shows some significant issues with a bank operation when they proceed to offer such gross negligent payoff quotes. Fortunately for me I am knowledgeable enough to understand there was an error in their calculations. My concern is that Compass Bank may have issued many incorrect payoffs in the past and have not provided refunds to less sophisticated customers. If they know of a system problem, they should have corrected this by now. 
A suggest an audit of their operations in calculating an providing payoffs would be appropriate.
Product: Student loan

Navient - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 's Letter to Navient 's CEO Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, ( insert your school here ). As a matter of fact, ( school name ) was investigated by ( insert your story here ). 
Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as ( your school ), I was able to file a XXXX XXXX claim with the Dept. of Education against The XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my Fed XXXX loans of XXXX were discharged and my credit has yet to be repaired. 
My XXXX XXXX Claim was also part of the XXXX XXXX XXXX settlement for which I was a full class member. 
I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early 2000 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for profit online schools. After the AG settlement, didn't Navient also get out of the Federal student loan business due to XXXX from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of XXXX payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed XXXX XXXX claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the XXXX " XXXX XXXX '' Navient is liable for giving predatory loans in connection with online for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. Senator XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW! 

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

after checking my credit report i am a victim of XXXX and XXXX  XXXX data breach someone applied for credit in my name using my ssn and dob. in doing so they were able to obtain unauthorized accounts in my name. here are a list of the fraudulent accounts : XXXX XXXX XXXX : XXXX - XXXX : XXXX -XXXX XXXX XXXX XXXX XXXX XXXX : XXXX -XXXX : XXXX - XXXX XXXX : XXXX XXXX - XXXX -XXXX  XXXX XXXX XXXX -addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX, il XXXX - XXXX XXXX XXXX XXXX XXXX XXXX il XXXX - XXXX XXXX XXXX XXXX XXXX, il XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX & Account Number XXXX ), has violated several of my rights. 
16 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  XXXX XXXX XXXX XXXX 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 60 days 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 XXXX XXXX XXXXXXXX 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 XXXX
Product: Debt collection

I filed complaint XXXX on XX/XX/XXXX and received the following response : " Hello, This account has been disputed along with many others we have in our office and each time we have provided the needed information to validate the debt. We have also received letters that demanded we cease communication so are not able to reach out to debtor to discuss account. This account is several years old from XXXX and has followed the correct steps in the collection process. The hospital attempted to bill insurance at the time of service and was denied and then tried several times to reach out to patient with mail return and disconnected phones. We would be more than willing to discuss the account with patient in detail as needed. Thanks XXXX '' This response contains numerous blatant lies. Beginning with " This account is several years old.. '' XXXX does not classify as " several years old. '' and in-fact neither of the accounts with XXXX XXXX XXXX are from XXXX as verified with XXXX XXXX with XXXX XXXX XXXX XXXX XX/XX/XXXX. 

The second blatant lie is " The hospital attempted to bill insurance at the time of service and was denied and then tried several times to reach out to patient with mail return and disconnected phones '' I spoke with XXXX XXXX on XX/XX/XXXX at XXXXXXXX XXXX and XXXX XXXX XXXX that the hospital NEVER billed the insurance company for either my XXXX or XXXX bill. The collection agency lied in writing to the CFPB and myself. 

The Fair Debt Collections Practice Act prohibits debt collectors from making false statements. Importantly, people can sue debt collectors who break the law by lying or providing wrong information which it is very clear CPI has done and continues to this day to do.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for failing to respond to my credit report dispute within the legally required timeframe under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I mailed a formal dispute letter via certified mail with return receipt/online submission regarding inaccurate information on my credit report. According to the FCRA, the credit bureaus are required to investigate and respond within 30 days ( or 45 days if additional information is requested ). However, as of today, XX/XX/year>, I have not received any response or update regarding my dispute. 
This failure to respond in a timely manner is a direct violation of my consumer rights under the FCRA. As a result, I am requesting immediate action to resolve this matter, including : A formal response regarding the status and outcome of my dispute. 
Removal of the disputed items due to the bureaus failure to verify them within the legally required timeframe. 
Confirmation that my rights under the FCRA are being upheld. 
I have attached copies of my original dispute letter, proof of mailing, and any supporting documents for your review. I request that the Consumer Financial Protection Bureau take appropriate action to ensure compliance with federal law.
Product: Debt collection

Over the last 2 weeks Bank of the West has been calling my work, every morning. 
They have NOT called my cell phone one time, not even once, nor have they sent me a default letter. 
On XX/XX/20 at aprox XXXX, I was finally able to get transferred to the dept that has been harassing the employees I work with. I asked why they haven't called my cell phone, they had no excuse. Had them remove my work number and gave them the phone number to my bankruptcy atty. 
At XXXX XXXX on XX/XX/20 they called my work AGAIN, the whole office staff yelled at me to answer the phone ( which is so embarrassing ) I did, I greeted them and guess what ... they hung up on me!!
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 I want to end my membership with the Moneylion app. I had to pay remaining balance of a loan of {$500.00} in which I had XXXX left. I paid the balance in full. The money was never withdraw from my account and when I contacted their loan department they stated I had insufficient funds. I checked my account thats linked to the app and that wasnt the case. I continue to use the app until I receive a notice of them add more charges to each account for investors. I then attempted to payout loan on XX/XX/2019 the day after Im paid and they stated again insufficient funds available. I then realize that they were try to keep me lock in using the app to prevent me from paying loan off and hold my {$830.00} investment holdings. They no longer answer phone nor do you receive hold call back from agents being on other calls. The support emails can not be responsive due to auto generated close ticket numbers given.
Product: Mortgage

I tried to submit a one-time payment on the servicer website. there website seems to be having issues for the last two days and the problem still has not been resolved. I called to get this resolved and the customer service rep is not acknowledging that there is an issue. My payment was due on the XX/XX/XXXX even though I tried to submit online payment on XX/XX/XXXX and XX/XX/XXXX before payment due but the website still is not working. The customer service rep said they will submit an inquiry which customer service rep says can take up to 10 business days to be looked into. By this time, my mortgage will be past due and start collecting late fees/penalties and possibly default etc. I am filing a complaint because I do not believe they will resolve this issue in a timely manner and by the time it gets resolved i could be incurring late fees all because of the mortgage loan servicer website is not working properly and I want to have it on the record that I tried to get this resolved with the loan servicer before it came to this.
Product: Vehicle loan or lease

I applied for a small car loan after obtaining more than XXXX days at my job at which I made XXXX annually. I did not get a fair credit opportunity by my bank as they denied my car loan. 
The loan was then passed over to XXXX XXXX who manipulated my credit score to approve the loan. My principle was not being applied properly at which time I notified XXXX XXXX. Immediately after a man came and stole my car with no demands for payment in writing. I was terrified. I have XXXX due to this so now I have to truck my groceries on the bus and its making my XXXX issues worse. 
Treating woman unfairly when it comes to loans is a XXXX. We are then XXXX from and XXXX. Put on XXXX XXXX to XXXX and this is not ok. Accurate banking is a plus for woman. It keeps us safe. I deserve every chance to make my business great and I cant because Im being XXXX by the XXXX By corporate XXXX. If you didnt understand a woman gave you XXXX The population of woman is going to XXXX at this rate and so will our human XXXX 
There was a third XXXX loan application through XXXX that went in XX/XX/2020. I did not fill out that application. I would like to know if there is a loan going on in my back pocket? I was also approved for a loan in XXXX for little under XXXX. I did not receive those funds. Where are they? Am I going to be held responsible for a loan I did not get direct deposited? I did not receive any money from a loan yet my money is continuing to transfer out of my account of edeposits. Whats that all about?
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to this item being on my report it is causing me to lose out on career opportunities as well as being a better credit profile. Under the 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Please Update the following accts as the balance are wrong. Some of these have not been updated since 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  at XXXX XXXX XXXX. These balances being incorrect is causing my debt to ratio to be off balance which is causing credit score to be lower than it should be.
Product: Debt collection

This company constantly calling me while im at work. I sent an email telling them to stop calling me and to email me instead and they havent respond.