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

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX TransUnion XXXXXXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX & XX/XX/XXXX & XXXX XXXX, XXXX ) 2. ( XXXX XXXX & XX/XX/XXXX ) 3. ( XXXX CA & XX/XX/XXXX ) 4. ( XXXX & XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and unauthorized accounts have been opened in my name without my consent. 
Below are the details of the fraudulent accounts that need to be blocked and removed : XXXX Accounts : XXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX XXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$470.00} XXXX XXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$1200.00} XXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$1200.00} XXXX XXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$13000.00} XXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$470.00} XXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$1200.00} XXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$1600.00} XXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$480.00} XXXX XXXX XXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$1200.00} XXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$1300.00} Fraudulent Inquiries : XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this formal request to dispute inaccurate credit information appearing on my report. As a survivor of XXXX XXXX, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to have the following derogatory items removed from my credit file. 
Disputed Accounts : XXXX. XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$620.00} XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$250.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$3700.00} XXXX. XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$930.00} XXXX. XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$1900.00} Under FCRA ( 15 U.S.C. 1681c-2 ), survivors of XXXX XXXX are entitled to have negative credit information resulting from their victimization removed from their credit reports. I am formally requesting that TransUnion process the removal of these accounts in compliance with this law.
Product: Student loan

On XX/XX/XXXX I applied for the SAVE Repayment Plan. Once I filled this out I was told that the only amount I would likely have to repay was a little over {$5000.00} I was also told that my student loan servicer EdFinancial would be reaching out to me regarding this matter. I did receive information on starting repayments on my student loans but none whatsoever regarding the SAVE Plan. I make less than XXXX a year but the payments were wanting me to pay over XXXX in total with XXXX XXXX monthly repayments. I tried to call and the person I talked to had no information whatsoever regarding my SAVE Plan. I have now received mail saying that I do not owe any money for the next 12 months on the SAVE plan but then have a bill for {$220.00} saying I still owe {$42000.00}. I have been doing some reading on EdFinancial and discovered that just last year they got in trouble for lying to students about their loans. I am likely only to get a student aid again if I call and they will likely only read to me what they have on their computer screen. Since this servicer is located in Tennessee, which is notoriously Republican, and would probably be against the SAVE program for both financial and political reasons I want this investigated. The current payment is more reasonable than the last one but I still think they are trying to commit fraud, and if they are doing it to me they are most likely doing it to other students as well. I am currently looking for better paying career and plan on pursuing certifications for those in the next year. If I had that already I would not have an issue with paying back my loans. Since I have not gotten back the return on the investment of time and money I sacrificed for my education I really dont think its fair for the government to get a return on it until I do, especially when my tax dollars are going to subsidize XXXX XXXX corporations who make record breaking profits but pay their average worker peanuts in comparison to the profits they make.
Product: Debt collection

I received a letter from Transworld Systems Inc. purporting to be an attempt to collect a previously disputed alleged {$99.00} debt. XX/XX/2023, I sent them a letter disputing this alleged debt, a cease & desist collection attempts, an invoice for FDCPA violations contained in the letter, and a pre-arbitration demand.
Product: Checking or savings account

I deposited a check in the amount of XXXX into my bank of America account on XX/XX/2022 the bank was made out to me from another Bank of America Customer. Bank of America placed a 11day hold on the Check for no reason. I am a victim of a natural disaster and are in need of those funds and there is no one that can help or explain why this has happened.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Third Dispute Complaint Regarding Inaccurate Late Payments Reported Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for an account I previously disputed. Despite multiple requests for correction ( letters dated XX/XX/XXXX, and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information reported in consumer files. The late payment notation on my account is inaccurate, and despite prior disputes, no corrective action has been taken. This failure constitutes a violation of my federally protected rights. 
TILA Violations According to 15 U.S. Code 1666b, creditors must provide periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure by the creditor to meet these disclosure requirements, impacting my creditworthiness and ability to secure favorable terms on credit products. 
Summary of Dispute The late payments reported on my credit file are as follows : 30 days late for XX/XX/XXXX 60 days late for XXXX and XX/XX/XXXX 90 days late for XX/XX/XXXX These late payment notations are inaccurate and do not align with my payment history. The lack of verification and continued reporting of these late payments suggest a failure on TransUnions part to conduct a reasonable investigation as required under the Fair Credit Reporting Act. 
Evidence of Error Although I do not have access to payment records or correspondence from the creditor, the inconsistencies in reporting highlight errors that should be verified through a proper investigation. The discrepancies between the late payment dates and my documented disputes further prove the inaccuracy of the reporting. 
I request that TransUnion reach out to the creditor directly to verify the accuracy of the reported information and remove the incorrect late payment notations from my credit report. 
Desired Resolution To resolve this issue, I request the following : Immediate removal of the inaccurate late payment notations from my credit report. 
Written confirmation that the correction has been made. 
If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies as permitted under the law. 
Thank you for your attention to this matter. I trust you will handle this dispute with the urgency and accuracy it requires. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting and act XXXX account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A.states I have rights to privacy.

15 U.S.C 681 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 am requesting delettion of Department of Educarion/ XXXX removed from my consumer report. XXXX XXXX and Experian had no written content from my and PER 15 USC 1681B ( a ) ( 12 ) in accordance with the written instructions of the consumer to who it relates. PLEASE ASK XXXX XXXX AND EXPERIAN TO PRODUCE A CONTRACT IN AFFIDAVIT FORM SHOWING I GAVE THEM MY WRITTEN INSTRUCTIONS TO FURNISH THIS CONSUMER REPORT WITH XXXX ON IT. 
I am requesting this be deleted from my consumer report immediately.

Per 15 USC 1681n ( a ) Any person who willfully fails to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of - ( 2. ) in the case of liability of a natural person for obtaining a consumer report under pretenses r knowingly without a permissible purpose, actual damage sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

Per 15USC 1681n ( a ) ( 2 ) I have damaged by this consumer report who had no right to furnish because they had no written consistent from me to do so. My consumer report is damaged. I am demanding my {$1000.00} for violation of my right AND for XXXX to be deleted from all 3 agencys, XXXX, Experian and XXXX
Product: Student loan

On XX/XX/2021 I called Navient to pay off one of two consolidated loans. Both loans are current. As per Navient 's policy, if a loan is current a borrower is able to make additional payments on the loan. After specifying that I wanted to pay the payoff amount for loan XXXX, the supervisor applied the payment to the loan specified. The payment amount was {$3300.00} for loan XXXX. 

However upon verifying the application of my payment, I discovered that {$1600.00} was applied to loan XXXX and that I now owe Navient {$1600.00} on loan XXXX. The lender has added .16 of interest and failed to direct my payment to the loan requested, XXXX. Navient has frustrated my efforts to pay my loan in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

An inquiry dated XXXX XXXX, 2016 is reporting on my credit. I did not authorize anyone employed by XXXX XXXX XXXX  to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I 've sent a certified letter to the address listed on my credit report to the address of the company which was return as an un-deliverable address. Did not receive a response or proper resolution. On my XXXX report the company name is XXXX XXXX XXXX, On my XXXX report the company name is XXXX, XXXX XXXX, XXXX XXXX. 

Also, I 've called and sent XXXX a certified letter to resolve my concern. The only thing I 've received were continuously refusal to rectify this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXt Account # XXXX XXXX ( Original Creditor : XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have credit inquiries on my credit report from XXXX dated XXXX XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX that I did not authorize.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a comsumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report to make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. Please investigate and remove these accounts from my credit report. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Product: Student loan

I have had issues with XXXX/Sallie Mae assisting me with trying to repay my loans. When I was not enrolled in school, my loans went into repayment. I told the representative that I could not afford that monthly payment and was there a way to lower my payment. I was told that I did n't have any options other than the monthly payment given or to file a forbearance which is only allowed for a few times during the life of the loan so I did n't want to actually use my forbearance time. Then I was told it would affect my credit if I did not. So it was as if I was forced to use the forbearance time. So I reluctantly agreed to do it because my profression is XXXX so I having negative items on my credit is not an option and could cause me to lose my license. After telling the representative, yes, then she tells me there is a fee to process it and hold it so it does n't delinquent report to the credit report until they get the Forbearance complete. The fee was {$170.00} based on the number of loans I had at that time. Since I did n't want to continue to use my forbearance time because if that 's the only option I have, I need to use it when I really have no option. So I enrolled in a part time in an online problem. Then I get a call from them saying I was due again for {$700.00} and something on my account. I had n't received a notice saying I was back in repayment. I called them once more and told them I was now enrolled in school. They directed me to a form to have my school to complete saying I 'm enrolled in school. My school completed it and faxed the form back to number stated on the the form. I continued to get calls and finally got a representative on the phone. I told the representative that I had my school to fax them the in school form as directed. The representative then tells me, " it 's not our responsibility to check the fax for your forms. Hold on while I go look. '' She comes back on the phone and says, ok we have it and will get the forms processed. I told her thanks and asked her " do you all have any income based repayment plans now? '' She tells me, " umm, that depends. Since you 're in school do n't worry about it. After you get out of school we can discuss what your options are. ''. I feel that I should have more options than forbearance or harming my credit if I can not afford my monthly payments. Why should I fear a program that was intended to help me?
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized hard inquiries listed on my credit report, which is in violation of my rights under 15 U.S. Code 1681b and The Privacy Act of 1974. Per the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization, whether written, unwritten, verbal, or non-verbal, as permitted by 15 USC 6802. 

The following unauthorized inquiries were made without my consent or authorization : 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 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 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 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 Business Type : Finance, personal XXXX XXXX XXXX XXXX XXXX, SD XXXX These inquiries were conducted without any permissible purpose as defined by the aforementioned statutes, and their presence on my credit report has negatively impacted my creditworthiness. 

I kindly request that the Consumer Financial Protection Bureau investigates this matter promptly and takes appropriate action against the entities responsible for these unauthorized inquiries. Furthermore, I demand that all credit reporting agencies immediately remove these inquiries from my credit report to prevent any further harm to my credit standing. Thank you for your attention to this matter, and I anticipate a prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXccount Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.
Product: Checking or savings account

XX/XX/2023 : Opened account on XX/XX/2023 as part of a promotion offering XXXX XXXX XXXX miles upon completion of ( XXXX ) XXXX minimum direct deposits and ( XXXX ) a minimum spend on the card within 90 days ( by XX/XX/2023 ). Promotion code was XXXX. 

XX/XX/2023 : Met the minimum spend requirements on the promotion. 

XX/XX/2023 : Met the minimum direct deposit requirements for the promotion, entitling me to XXXX miles by XX/XX/XXXX ( 30 days after completing requirements ) at the latest, according to the terms of the promotion. 

XX/XX/2023 : Still hadn't received the miles. 

XX/XX/2023 : Emailed customer support requesting the miles. Recieved no response. 

XX/XX/2023 : Contacted customer support by phone. Agent verified I had completed the conditions and said I would get the miles within 5 business days. 

XX/XX/2023 : Still hadn't received the miles. Contacted customer support again. Agent confirmed I had met the conditions and said he would open a case about it. 

XX/XX/2023 : Received account notice that " we are unable to provide the status on fulfillment of the promotion... you would need to allow up to 90 days from the date of satisfying the terms of the promotion to receive the incentive '' ( the terms and conditions of the promotion offer said I would receive the miles within 30 days, not 90 as this letter claims ). 

XX/XX/2023 : 90 days have now passed since opening the account, and the promotion window is closed. I still haven't received the miles, nearly 60 days after completing the conditions, and after XXXX attempts to work with customer service, so I am submitting this complaint.