23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I am facing extreme financial hardship in medical problems. I had spoke to one main financial multiple times to try to assist me. Every time I call them I am giving the runaround.. I try to ask for different programs that they might offer that will allow me to reconstruct the loan where it's more affordable for me to pay and lower down the interest rate. Each time I'm not provided the necessary assistance in order to help me. It seems like I've been paying all this time in the payments are not even going anywhere. It seems like nothing 's actually going to principal. When covid hit. I was furloughed for my job. During all those months it was a extremely difficult. Even though I had returned back to work, the company has not been fully operational back to the way it should be. Still I'm not getting the required hours. They had multiple cuts across the board.
Product: Student loan

XX/XX/XXXX - Called loan servicer Mohela to request a refund on about 2 separate payments totaling {$2300.00} in student loan payments made since XXXX of XXXX. Was told that refunds would be given out within 30 business days max. 

Have tried calling on multiple occasions, have either been told by automated system that it would be a multiple hour wait or call would just end on occasion before hearing from automated system. 

XX/XX/XXXX - Able to finally connect to a representative, now told that refunds could take up to 90 days despite hearing that others who made refund requests of payments with higher amounts on dates later than XX/XX/XXXX having already received their refunds. Mohela seems to have no clear process or clear communication on where my request is at along the process. 

Understand they are tremendously understaffed and these workers are likely being told to recite same script to each caller but I have made financial decisions based around the fact I would receive this refund by the end of XXXX at the absolute latest. It is extremely worrysome and disappointing to be having this experience.
Product: Debt collection

XXXX XXXX XXXX, with Acc # XXXX and a balance of {$580.00}. I have dispute this account several times but Experian verified the amount and didn't mail me proof of how the account was verified, therfore I believe I am a victim of the CFBP ( XXXX  ) lawsuit. I am asking Experian to uphold there statuary obligations to consumers to provide accuracy from XXXX XXXX XXXX to prove that I have a contract with them and that I am obligated to pay them. and also any transactions that I have with them. I also want to know when and where the account was opened, online in person or over the phone. I am asking for a proper detailed explanation and verification from Experian and XXXX XXXX XXXX according to the FCRA. Please reivestigate and mail the verification documents to my address.
Product: Debt collection

forbearance extension documentation submitted to SPS mortgage servicer. 

Social Security documentation REJECTED because bank statement and SS award letter was {$9.00} /month more that award letter stated. 

XXXX award letter REJECTED because award letter showed expiration date of XX/XX/XXXX XXXX even thought bank records showed current XXXX payments. 

SPS sent me a Notice of intent to foreclose during forbearance evaluation which was delay do to these irrelevant inaccuracies.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I filed a dispute with Experian for a Fraudulent Charge off from XXXX XXXX, in less than 24 hours they came back with a denial of my dispute when I was able to prove through my payment history that I called in and paid off my account and XXXX kept my account open for 3 years without notifying me stating I owed one more payment then tried to get me with late fees and interest. on XX/XX/year> They provided me with the payoff amount and I gave them approval to pay it off and they took that amount from my account. Then they tried to tell me 3 years later I never paid it off. I requested telephone transcripts from XXXX which I know they have because they told me I was being recorded when I called in to pay off the account, but they refused to provide me with transcripts as requested. Experian did not investigation into this as i would have required someone to have read through these documents past XXXX on a Friday evening. This was not properly investigated and they just denied my dispute and there was no way they investigated this dispute.
Product: Payday loan, title loan, personal loan, or advance loan

Dear Consumer Financial Protection Bureau, I am writing to seek your assistance regarding a garnishment of debt in the amount of {$5500.00}, which is scheduled to become effective on XX/XX/XXXX. The creditor, XXXX XXXX XXXX, plans to garnish 25 % of my earnings every pay period to satisfy this debt. 

I have made several attempts to arrange a payment plan directly with XXXX XXXX XXXX ; however, I was informed that my account had been sold to a debt collection agency, XXXX XXXX PA. Despite my efforts, I have been unable to establish a workable payment plan with either the original creditor or the debt collection agency. 

My financial situation has been significantly impacted by a period of unemployment that lasted from XX/XX/XXXX until XX/XX/XXXX. During this time, I was unable to secure stable employment, which led to considerable financial hardship. While I have recently resumed working, my income is still insufficient to manage a garnishment of 25 % of my earnings, especially after such a prolonged period without income. 

I am requesting that the Consumer Financial Protection Bureau intervene on my behalf to either prevent the garnishment or to assist in negotiating a more manageable payment plan that reflects my current financial situation. I am willing to make payments toward this debt, but the current terms of the garnishment will place an undue burden on my ability to meet basic living expenses. 

Thank you for your attention to this matter. I am hopeful that with your help, we can reach a resolution that is fair and manageable for all parties involved.
Product: Credit reporting

I reached out to Equifax in regards to some inquiries on my credit that I did not authorize and I also have a fraud alert on my account. I froze my account as well because of identity theft. I wrote them asking to remove the inquires and they responding telling me that they will not erase them because all companies does n't have to necessarily have my consent or my signature to pull my credit. This is really bothering me because I cant get approve for lines of credit that I need or some jobs have turned me away as well because of my credit issues. The items that I disputed are in fact in error. I did n't request any of them. I 've spoken with a few of the companies and they said its nothing they can do because its not an account, its just an inquiry. Having XXXX inquires that are n't yours affect you majorly and I am a single parent of XXXX trying to build and maintain my credit so that I can provide for my household. This is stressful. I 've called and written letters for them to respond the exact way. This is very distasteful and they act like its nothing that can be done and they do n't care to listen, read or help you in any way.
Product: Credit reporting or other personal consumer reports

These companies are reporting inaccurate information. some of the dates and amounts don't match across all credit agencies. They have also violated the privacy act of by furnishing my information without my permission. The fact that my credit reflects my student loan information is also a violation of the Family Educational Rights and Privacy Act ( FERPA ). there should only be XXXX address on my credit report in XXXX, Ga all other addresses should be removed. the rest are NON DELIVERABLE ADDRESSES. There should only be XXXX phone number on the account ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES AND update all the following ACCOUNTS attached to this complaint from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove this immediately in my report : XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio recovery services is trying to collect {$280.00} and is reporting the account to my credit report as open this is clearly a violation of 15 USC 1681. The information is inaccurate as well as the opening date of the account.

I have not received the validation letter or a purchase agreement and they need to report this account as close to all my credit bureaus.
Product: Student loan

I am a public servant and have worked for the XXXX XXXX XXXX for 14 years. I am eligible for Federal Loan Forgiveness, but when I've contacted Navient over the years, I'm always told that I have the wrong kind of loan. If they are the ones giving the loans, how could I have been assigned the incorrect loan. I believe that Navient is trying to avoid allowing their customers to receive Federal Loan Forgiveness. I have had issues with customer service with the last 8 years trying to get the name on my account to match my legal name. I'm not holding out hope that Navient will do right by its customers.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I have been trying to get my credit score on equifax website and it has been in blank. i can not see anything there i called in support but they didnt fix anything. eveything on the equifax website is blank.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Via mail and email XXXX XXXX XXXX XXXX, XXXX Calling and texting me stating that I have a debt amount that I owe them and I was not aware and it is hurting my credit score.

According to 15 usc 1692, this is a violation to my rights
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 


XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian EXPERIAN XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Here I attach, along with the dispute, my fraud report that I just sent to experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I attempted to use XXXX to transfer my bill payment to my wife for {$330.00}, and I was using a new device to access my bank account. It prompted me with a confirmation request but did not state the user 's name like usual, and the payment was sent to the wrong person, whose phone number was XXXX digit off from my wife 's. Their number is XXXX, and my wife 's number is XXXX. My bank at capital one will not do anything to help me with this issue. I need the transaction reversed. I have reached out to XXXX as well, but I understand their policy is that all transactions are final.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX - XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, a cashier check ( {$11000.00} ) was deposited to my account by a potential client, and several hours later, on the SAME day he asked for a refund in cashier check. The reason he wanted a refund was verified to be a false statement. As a credit risk personnel with 15 years banking experience, I know I was at the risk of cashier check scam. 
I requested Wells Fargo to cancel the transaction and investigate the check on XX/XX/XXXX, and 15 days later, I still havent got an update after multiple phone calls to Wells Fargo. 
What is even more frustrating is that my case seems to fall into the cracks : I got a reference number XXXX on XX/XX/XXXX. I was told it didnt enter the system on XX/XX/XXXX and I was given the 2nd reference number XXXX. On XX/XX/XXXX, I was told the first two claimed didnt enter the system and I was given the 3rd number : XXXX. A couple days later, a letter saying the claim number was routed to the wrong department, then I was given a 4th number : XXXX. Why is it so hard to register a claim? Is there any body actively working on the investigation? 

I would like to know when I can hear the final investigation results. And Ill need the result in written. Thank you very much for your help.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within twenty-four ( 24 ) hours, stating that the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C $ $ 1681i, which mandates a reasonable investigation of disputes.Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C $ {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complied with federal law and provide consumers with the necessary proof of investigation. These are the accounts that I have disputed and marked as inaccurate : 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

Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, SSN, or DOB in order to appear in your credit file. Equifax is the only main Credit Bureau that is still not in compliance with the law. I called on several occasions trying to address the issue, but I was just given the run around. Attached to this complaint is proof of the other XXXX main Credit Bureau 's removing the non compliant public record from my file. I work XXXX jobs and take care of my mother, I do not have the time or energy to keep going back and forth with Equifax about this matter that needs to be resolved so that I can move forward with getting my finances in order for me to start my own business so that I can spend more time with my Mom. I 'm truly grateful for companies like CFPB for giving everyday people like myself a voice. I really hope that this matter gets resolved so that I can get back to my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent debt validation letters and dispute letters to Military Star Card in regards to a debt of {$990.00}. The Last reporting date and Last date active are inaccurate. I have sent letters on XX/XX/2021 and XX/XX/2021. According to 15 U.S. Code 1679c. A consumer has the right to dispute any inaccurate information found on their credit report. This is having an affect on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied for a loan with my bank that I have been with since I was XXXX. The Manager at the Bank went over my credit with me and there are so accounts on there that are not mine and they are XXXX, XXXX XXXX and there is one account that don! have a name but It did have somewhat of an account number XXXX. There are also 4 XXXX  student loans on there but there weird thing is that its only on Transunion. I dont even know how that Is possible being that I never graudated from high school. I have filed a complaint with the FTC and reached out to my local police. Can someone help im doing this on my own and need help.
Product: Debt collection

XXXX XXXX XXXX company has sent my paid off closed account to, XXXX XXXX XXXX, this has damaged my credit
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent, nor benefit from or authorize any of the following Accounts : XXXX XXXX XXXX XXXX : Account # XXXX - Amount : {$1600.00} XXXX XXXX XXXX XXXX XXXX : Account # ending XXXX - Amount : {$1600.00}. " THIS ACCOUNT WAS FRAUDULENTLY ADDED TO MY FILE WITHOUT MY KNOWLEDGE '' 15 USC 1681 ( a ) ( 1 ) Congress states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent all required documents to have any Fraud alerts removed from my account. Please see the attached letter.

XXXX  sent a letter stating they updated an extended fraud alert on my XXXX Credit file.

I did not request this.

I want the Fraud Alert Removed! 

I believe this is a way of discriminating against people who are requesting a credit card. I have applied for credit cards, and have been denied because of the fraud alerts on my account. 

ADDITIONALLY, THEY SENT THE REQUEST TO FOR AN EXTENDED FRAUD ALERTS TO TRANS-UNION AND XXXX.

I WANT ALL FRAUD ALERTS REMOVED FROM MY CREDIT REPORTS1
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a though investigation. This practice violates the Fair Credit Reporting Act ) FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial protection Act ) CFPA ), 12 U.S.C. 5536 ( A ) ( 1 ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written or verbal I ask that you DELETE these inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purpose of Consumer Reports 15 U.S. Code 1681b in general. Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

XXXX XXXX INQUIRED ON XXXX XXXX, XXXX XXXX INQUIRED ON XXXX XXXX, XXXX XXXX INQUIRED ON XXXX XXXX, XXXX DEPT OF ED INQUIRED ON XX/XX/XXXX XXXXXXXX XXXX INQUIRED ON XXXX XXXX, XXXX XXXX XXXX XXXXNQUIRED ON XXXX XXXX XXXX XXXX INQUIRED ON XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXS INQUIRED ON XXXX XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX INQUIRED ON XXXX XXXX, XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX will not update my account I 've called several times an was told dates about my account being updated my car was totaled on XXXX XXXX, XXXX. Today XXXX/XXXX/XXXX was suppose to be the day when the bureaus was suppose to be updated on my balance on my account gap insurance, primary insurance an warranty company have all paid amounts on vehicle. The XXXX insurance company paid XXXX issued XXXX/XXXX/XXXX payment was processed by XXXX. Gap insurance paid XXXX processed on XXXX/XXXX/XXXX. XXXX made a payment received by XXXX in the amount of XXXX an XXXX XXXX/XXXX/XXXX. Still have yet to see balance updates. Two of the payments I never received a email had to call in and make sure they had them and they did but I keep being told 5-7 business days to update to my account which has not been updated since XXXX XXXX. This is hindering me from getting another vehicle. The balance on the account is still showing XXXX which is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of my written request, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EXPERIAN Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : 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  ( Original Creditor : XXXX XXXX ) XXXX