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

Sample2 I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$0.00} ; 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

In mid-XXXX, my husband and I submitted an online application to Navy Federal Credit Union to refinance our mortgage. Part of the application process was to agree to pay for them to make an inquiry on our credit, which we and they did, and the inquiry was reported by XXXX on XX/XX/XXXX. However, they made a second inquiry without our consent ; it was reported by XXXX  on XX/XX/XXXX. On XX/XX/XXXX, when I noticed the second inquiry, I contacted ( via email ) the loan officer and loan processor who had been helping us ( XXXX XXXX and XXXX XXXX, respectively ), but neither responded to me. 

Ours was what I assume to be an unusual situation, where our original application somehow got " deleted '' ( I'm not sure how, it didn't happen on our end ) and our information was then re-entered ( by NFCU ) on a new application with a new number. ( Our original loan application # was XXXX, and the second # was XXXX ). Mistakes were made when they entered the information for the second application, one of which included them increasing our requested amount by {$100000.00}. I noticed this immediately and contacted them about it, and pointed out other inconsistencies where necessary, because they had already sent us new disclosures with the incorrect information included. They eventually got the information on the second application corrected, but we ended up not refinancing with them because the interest rate offered was much higher than expected. 

When I contacted XXXX XXXX via email ) on XX/XX/XXXX after noticing the mistakes and high interest rate listed in the second application, she replied, " The reason for the rate is there was no credit report inside this application, I was able to pull the credit report from the other application, as soon as I find out what product you want ARM or FIXED, I can send out new disclosures. '' Given this response ( and the fact that I'd already stated several times we wanted a fixed rate loan ), I'm assuming that the second credit inquiry was made because when they set up the second application for us ( after somehow deleting our first application and then entering some incorrect information on the second ), the information from our initial credit inquiries wasn't transferred over, at least not initially. 

It seems to me that not allowing customers to proceed with loan applications without agreeing to and paying for a credit inquiry is a good control that should prevent unauthorized and/or duplicate credit inquiries, but as I understand it from NFCU, what happened with our accidentally-deleted application was unusual for them. I understand they're extremely busy right now and was patient throughout the process, even after all the errors ; however, our credit should not have been run a second time due to their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

OK so I have file to complain and try to get paperwork seeing where I supposedly applied for some kind of XXXX thing Im asking again for documentation with my signature on it that I have signed to apply for this I have never even been to this company or seen this company
Product: Credit reporting

I put a FRAUD ALERT, CREDIT FREEZE, AND A HOLD on my credit file over a year ago, and I am still have my credit report pulled constantly by different companies without my authorization and all XXXX agencies are refusing to delete the inquiries from my credit file which now shows I have over XXXX pulls in over a years time. 
Then lately I had a XXXX claim paid off XXXX credit cards from XXXX, XXXX, XXXX, XXXX, XXXX XXXX ( all account ) and they the credit bureus and banks has refused to update my account as paid and and XXXX balance, I have even sent them the letter of the paymets sent to them and verified the payment had been received. 

XXXX XXXX has reported the account past due which has brought my credit score down to a XXXX from a XXXX. 

Third ; all XXXX credit bureara, has refused to correct my address, phone number on file I have sent in my social secutity card, utility bills, DL, ect and they refused over and over again. 

Equifax refuse to even send me a copy of my file at all even when I send them a denial of credit. 
XXXX refuses to dispute any of my request saying that I have no grounds to dispute even with new evidence. 
XXXX same outcome. 


I have asked that the freeze stay on my credit report but I have ask that I be opt back in to receive offers from my current creditor and I have not had that fixed either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXXBalance : {$1800.00} XXXX  XXXX XXXX Balance : {$700.00}
Product: Credit reporting or other personal consumer reports

Ive noticed an account on my credit report that doesnt belong to me, and I believe it may be the result of identity theft or fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion File # XXXX XX/XX/2018 TransUnion has All alternative Credit Inquires in the last 3,6,24 & years on my file. I have not or no what or where this came from or  source. I have not or agreed and need documented proof and my signature of such All Alternative Credit Inquiries as stated by TransUnion
Product: Credit card

This is a card I barely use but when I looked at my billing statements from previous months I've noticed chargers for purchases that I did not make.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Data Breach, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans To Whom It May Concern, I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : XXXX. My academic records and personally identifiable information ( PII ). 
XXXX. My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. 
Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 
This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. 

I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above. 

Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution. 
Sincerely, XXXX XXXX
Product: Debt collection

called and said they have been trying to contact me and will take matters in their own hands.
Product: Debt collection

Selene Finance is violating the The Fair Debt Collection Practices Act ( FDCPA ) and the Telephone Consumer Protection Act ( TCPA ). The company is calling me multiple times a day and they are speaking with me during these times. They are lying and saying that they are not verifying that it is me, but this is not true. If they have actually recorded the conversations, it would show that they have spoken with me. The most upsetting thing is, that I am receiving these phone calls and a payment has been scheduled ( in this case for XX/XX/XXXX ). 
During the month of XXXX ( XXXX ), I have spoken with a representative at least four times and during each of these times, my payment has been scheduled. There is no history of me scheduling a payment and canceling it. Here is a list of calls, from the most recent : XX/XX/XXXX at XXXX call duration 10 minutes and 7 seconds. During this call, the representative ( XXXX ) told me, that it was noted that I had received a call this morning but, there was no verification. I told her that was incorrect and that I hoped this call was being recorded so that it would be on record what she said to me. She was very condescending as if, I was the one not inputting information into their system correctly. 
XX/XX/XXXX at XXXX call duration 2 minutes and 4 seconds. I verified my information with the male representative and asked him why he was calling when I had spoken with someone on XX/XX/XXXX and a payment was scheduled. He said " you are correct XXXX XXXX and its probably because our system is set for five days. I will note the account. '' I told the representative that I hope the call was being recorded and he said, " yes ''. 
XX/XX/XXXX at XXXX call duration 18 seconds- I informed that representative that a payment was scheduled. 
XX/XX/XXXX at XXXX call duration 6 minutes and 35 seconds. This call was placed by me. The reason for this call is because I received a call at XXXX and the representative hung up on me after I verified myself because I was complaining and I had received a call on XX/XX/XXXX. 
XX/XX/XXXX at XXXX call duration 34 seconds. I asked the representative why I was receiving the call when a payment was scheduled, the male representative hung up on me. 
As you can see, some of these calls were made before my grace period ended ( there was a call on XX/XX/XXXX too ). The fact that the company continues to lie and use this as the reason I keep receiving calls is unacceptable and a violation of the law. This practice has been going for several months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had XXXX XXXX XXXX from XXXX To which I was XXXX for months and not paying attention to credit alerts about data breaches and my information on dark web I have also been victim of Identity theft I reported several times but these items are on my credit and affecting my credit score I did not authorize these inquiries on my credit and it's so many to count my information is incorrect and this information being reported is inaccurate and misleading this does not accurately report my credit
Product: Credit card or prepaid card

I purchased a pair of men 's dress pants at XXXX 's department store on XX/XX/XXXX. On XX/XX/XXXX, I made an even exchange for one pair and returned one pair. Due to a mistake at the register I did not receive credit at the register for the pair that I returned. I called the store when I discovered the mistake. The store manager, XXXX at Mall XXXX XXXX in XXXX, KY performed a store audit and found the mistake. She promised me a credit to my store credit card for the dress pants. Several months passed and the credit card company Wells Fargo refuses to refund my monies stating that there is no receipt for the transaction. Of course, there is not a receipt. The mistake was made at the register. Wells Fargo must go back to the store audit and the store manager to find the mistake and acknowledge it. XXXX refuses to speak to Wells Fargo and Wells Fargo refuses to speak to XXXX. Of course, I don't have a receipt. I knew this the moment I realized there was a problem on XX/XX/XXXX. That's why the store audit was conducted and the mistake acknowledge by the store. Well 's Fargo refusing to communicated with the store on this point is equivalent to theft. I have received no less than three letters telling me I do not have a receipt. This is silly and wrong. I can provide copies of the letters, but I can not provide copies of a receipt when the mistake was made at the register. The store audit should be proof enough.
Product: Credit reporting or other personal consumer reports

As I'm going through my credit report i notice a lot of unauthorize hard and soft inquires on my report which have been affecting my life for the last XXXX  years I've been a victim of identity theft in XXXX  back in XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX  inquires XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX UNITED STATES XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX : XX/XX/1966 Last XXXX : XXXX XXXX, Transunion and XXXX failed to provide a debt validation for alleged debt to XXXX XXXX  account XXXX. I would like XXXX, Transunion, XXXX to remove the account, because they were not able to validate the debt under FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised my credit report contains information that does not pertain to me. I had sent a formal written request to all 3 major credit bureaus on or about XX/XX/2020. I was seeking the deletion or modification of erroneous and inaccurate information contained in my credit file and reported by the credit bureaus as per the Fair Credit Reporting Act 15 U.S.C. 1681 et seq. I had requested a response in a timely manner, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), and no later than 15 days thereafter, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( c ). Unfortunately it has been months and I have not received a formal written response back from Experian, XXXX  or XXXX  about my disputes. However, I know that all three bureaus received my request because I tracked my letters using certified mail.
Product: Payday loan, title loan, or personal loan

I was the victim of identity theft inXX/XX/XXXX. I've had my credit reports frozen and have fraud alerts on my report since that time. 

InXX/XX/XXXX I became aware of another stolen loan through Leap Credit. This is a {$900.00} loan the was completed via an online application. I spoke with an XXXX on XX/XX/XXXX who took the dispute information. I was instructed to send an email to XXXX to indicate identity theft. I didn't hear anything further and was assured it was going to be resolved. 

I received a collection notice from Leap Credit on XX/XX/XXXX. I immediately called and spoke with XXXX at XXXX. He noted that the ID theft complaint was noted in the account, but that the account was still active and I now needed to file a complaint. This time I was sent 2 emails from Leap Credit. The first was to review the loan agreement and confirm that the routing number and checking account information that the funds from this loan were deposited to didn't belong to me. I reviewed that information and confirmed via a response to the email at XXXX that the routing and checking account number were not mine. The second email was how to contact the credit bureaus and file a complaint and that leap credit would need the case number. 

I placed another fraud alert on my credit report and also filed and ID theft complaint. I was given case # XXXX XXXX XXXX from XXXX, a fraud specialist with XXXX  on XX/XX/XXXX at XXXX. 

I called Leap Credit back at XXXX on XX/XX/XXXX and spoke with XXXX . I provided the case number from XXXX. XXXX stated that they needed a document from XXXX, but I explained that the complaint and case number was done verbally over the phone. XXXX stated she would escalate my complaint to management and would call or email back to confirm that management would be working to resolve this as they are now stating that if payments are not made by XX/XX/XXXX they will report to the credit bureaus. I have had zero response from Leap Credit. 

I received one more notice on XX/XX/XXXX again stating that late fees will increase and reporting to the credit bureaus will occur if payment isn't made. 

I was able succesully close and dispute 3 other fraudulent loans, all through payday lenders as a result of my identity theft. I can't understand why Leap Credit is being so difficult and uncooperative and unresponsive when I have provided all of the information they have requested in trying to inform them that this loan is not mine, nor did I ever take this loan out. 

Please help me in getting Leap Credit to resolve this matter. 

Thank you.
Product: Credit reporting or other personal consumer reports

I have been a victim of XXXX Credit Card opening. 


Account name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account number : XXXX The card was opened with XXXX XXXX without my knowledge and authorization on XX/XX/XXXX I have been disputing this account since XX/XX/XXXX. 



But the company gives irrelevent excuses to me and mark it as not fraudulent. 
Till now company reached out to me 5 times. 



XX/XX/XXXX- they said I paid this account in settlement on XX/XX/XXXX for {$350.00}. 



XX/XX/XXXX - They sent me a letter regarding my dispute with the credit bureau. 



XX/XX/XXXX - The company said they can not make changes to my account .... XXXX knows what changes they want to make. 



XX/XX/XXXX- they say I have a balance of {$330.00}. Now if the account was closed on XX/XX/XXXX then where did this amount came from. 



XX/XX/XXXX - Company needs more time. XX/XX/XXXX - Letter from XXXX XXXX XXXX XXXX, they completed investigation while same day I get other letter stating company needs more time. 



I am not challenging company 's integrity, I am just challenging the unfair mean done to me by someone unknown and company is not properly investigating on it.
Product: Credit card or prepaid card

Hello- I am writing in regards to a charge made on my Bloomingdales account that was returned. However, the charge has not been reversed on my credit card account and I continue to receive calls from collections. I have called Bloomingdales XXXX  times. The first XXXX times, I was assured that the returned items had been received and would be credited on my account Order placed on XX/XX/XXXX ( Order number XXXX, {$710.00} ) Order received on XX/XX/XXXX Order returned first week of XX/XX/XXXX First call was made ~ XX/XX/XXXX Second call - XX/XX/XXXX Third call - XXXX XXXX, XXXX ( placed on hold for over XXXX minutes, I hung up after that time ). 

In the second call, I was assured by an agent that a supervisor would call me. I received no call. 

I am concerned that this issue is negatively impacting my credit. Please let me know if there is additional information that I can provide. Thank you
Product: Credit card

I have been informed that I am unable to transfer any membership rewards points from American Express to partners because my account is under review. They are unable to provide me with any reason for the review and since a nearly half of my membership rewards points have been in my account for close to a year there is no valid Terms & Conditions reason to prohibit these from transferring to partners. American Express is unable to provide any reason for why they are frozen simply than they are under review.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed an unauthorized inquiry had been made on XX/XX/2018. 
I contacted XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXXXXXX XXXX ( XX/XX/18 ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX
Product: Student loan

Hello, my federal student loans are serviced by Mohela. I have been trying to make a payment on the loan for months and each time Mohela sends me a letter stating that my payment has been returned. I then call my bank ( XXXX XXXX ) and ask Mohela has asked to take the money from my account and they always say they haven't seen any charge requests from Mohela. This is frustrating because my loan is accruing interest and I now owe an additional XXXX XXXX in interest because Mohela will not take my money. Now that student loan repayments have officially started, i'm concerned that my account will also incur late fees. Mohela has not been any help. I have double checked the bank account numbers multiple times to verify they are correct. 

Thank you for your time and assistance with this. It's greatly appreciated!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent collection account consist of XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I do not recognize the aforementioned collection account as reported. The aforementioned collection account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. That is the result of identity theft and fraud.