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

These are all new credit inquiries that I did not authorize and have no knowledge of. 

XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXXXXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXXXXXX XXXX XXXX Inquiry Date XXXX XXXXXXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX
Product: Credit reporting or other personal consumer reports

The consistent and unjustified presence of fraudulent accounts on my credit report ignite my extreme dissatisfaction and frustration. These accounts remain undeleted, casting a shadow over my financial reputation and causing significant distress in my life. 
XXXX XXXX XXXX These accounts are not mine, and I have never authorized any of the transactions associated with them. 
The continued presence of these fraudulent accounts on my credit report has had severe consequences for my financial well-being. I have been denied credit, subjected to higher interest rates, and faced difficulties securing housing and employment opportunities due to the inaccurate information on my credit report. 
Failure to address this matter promptly will leave me with no choice but to take legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ) and seek damages for the harm caused by the persistence of these fraudulent accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im complaining on XXXX  XXXX and XXXX after they have told me to get a approved police repoRt that my identity has been stolen which took the detective 10 months to finall Approve my identity was stolen by an ex roommate and boyfriend of mines years ago they will not accept my documents i have been doing this for months and the detective did a thorough investigation for 10 months before he approved the police report i need ally financial to get this off my credit report asap the email address they have on file is incorrect to mines telephone number and bank account that the payments were made from didnt match my bank account at all..the address they have on file is not affiliated with me..they even have a password on the account that i can not identify which i have the recording of several agents i spoke too.i even advised all three credit bureaus that i can not speak to ally financial because i can not identify the correct information on the account and they still refused my police report and also ally financial refused to send me a fraud affidavit packet to have the detective fill out as approved investigationjust because a company can verify first and last name and date of birth and social doesnt mean that they acknowledge the account or have any affliction with it..i never even had license for over 5 years to even get a vehchile i have a medical condition/disablity i have a fraud alert on my profile for over 5 years
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX ; XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Account # XXXX ; XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # 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 or other personal consumer reports

These inquiries are unrelated to me, and I am not associated with the listed creditors.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, my accounts with Affirm ( Account Numbers : XXXX, XXXX, XXXX ) were locked and placed under investigation. During this period, I received explicit verbal instructions from Affirm representatives not to make any payments until the investigation was resolved. 

Despite following these instructions, late payments were reported on my credit report for XX/XX/XXXX : XXXX : 90 days late XXXX : 60 days late XXXX : 30 days late I contacted Affirm multiple times to resolve this issue and was informed that regulatory constraints prevented them from amending the credit report. This response contradicts the verbal instructions I received during numerous calls ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), advising me not to make payments while the accounts were under investigation. 

I actively attempted to make payments during this period but was initially prevented from doing so by Affirms system. Only after insisting and escalating the matter to a supervisor, and after multiple attempts, was I allowed to make a payment using an alternative method. 

On XX/XX/XXXX, I contacted Affirm again to address these discrepancies, but the issue remains unresolved. I have sent a formal dispute letter to Affirms XXXX XXXX office, detailing these inaccuracies and requesting an investigation. I included screenshots of a XX/XX/XXXX email and detailed call logs as evidence. 

The inaccurate late payment entries on my credit report do not reflect the actual circumstances and are compromising my creditworthiness. I request a thorough investigation into these entries and their removal from my credit report. 

Thank you for your assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The lease was opened XX/XX/XXXX with XXXX XXXX XXXX. The loan amount is {$60000.00}. I contacted XXXX in XXXX to inform the company of the Fraud. I submitted a dispute with All 3 major credit bureaus and XXXX. The item was deemed as fraud and removed. Then 2 years later EXPERIAN ADDED BACK TO MY CREDIT REPORT. I disputed again and it was removed but 2 months later the XXXX account was added back to my credit report. IVE CONTACTED XXXX Numerous times about this account and its still on my credit report and is destroying my credit. 

THIS IS FRAUD AND SHOULD BE REMOVED FROM MY EXPERIAN CREDIT REPORT I PROVIDE ALL THE REQUIRED DOCUMENTS TO EXPERIAN. Police reports, fraud applications, my drivers license, proof of residence etc. 
please remove the XXXX account
Product: Bank account or service

Wells Fargo checking account, currently residing outside the US The bank has rejected the same transaction 4 times in the same week for the lack of sufficient funds, and each time billed me XXXX $ overdraft fees! they did this with every transaction. 

How is it an overdraft fee if the transaction was rejected? I understand if they financed the transaction they have the right to take financing fees, but this transaction is rejected, and as a result it kept coming back, with each time them charging me XXXX , the bank has charged me a total of XXXX $ of fees for the same transaction. 

I called the bank and they refused to waive the fees, how is it an overdraft if the bank did not allow the " draft '' and did not pay, but rather rejected the transaction, and why did the bank charge me each time it rejected it!
Product: Debt collection

This Company Credence Resource Manage Wrongfully Reported this account XX/XX/2023 without Notifying Me of This Debt This Company is unlawfully reporting a Debt That they never notified me about I am heartbroken that this Company is Furnishing inaccurate and incorrect information!!!!!!
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX amount {$990.00} Account name : XXXX XXXX amount {$300.00}, Account name : XXXX XXXX Amount {$250.00} has violated my rights. 

I looked at my Trans Union credit report on XX/XX/year>2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XX/XX/2023 - phone call, unable to answer XX/XX/2023 - phone call, unable to answer XX/XX/2023 - phone call, unable to answer XXXX Received phone call from Bermain & Rabin that I had a debt. I refused to verify my date of birth or SSN, and requested a letter be sent instead. They confirmed that they would send a letter. No letter has been received as of XX/XX/2023. Call was recorded. 

XX/XX/2023 - phone call, unable to answer XX/XX/2023 - phone call, unable to answer XX/XX/2023 - phone call, unable to answer XX/XX/2023 - phone call, unable to answer XX/XX/2023 - phone call, unable to answer XX/XX/2023 - phone call, unable to answer XX/XX/2023 - Received phone call, unable to answer. Called back, again refused to verify DOB or SSN. Collector refused to take any additional action based on this. Call was recorded.
Product: Bank account or service

XXXX XXXX XXXX Policy # XXXX Retired Employees of XXXX XXXX CountyXX/XX/XXXX Teeth cleaning with XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX issued check to XXXX XXXX {$90.00} for service. XXXX XXXX does not receive check. 
XX/XX/XXXX I obtained copy of cashed check from XXXX and forwarded it to XXXX XXXX. The check had been cashed by California Bank and Trust, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX XXXX XXXX filed an affidavit with XXXX for non receipt of check. 
XX/XX/XXXX After checking with their security department, the California Bank and Trust manager instructed me to have XXXX XXXX file another affidavit with their bank. He filed the XXXX affidavit. 
XX/XX/XXXX I met with XXXX XXXX XXXX, Manager XXXX ( XXXX ) to follow up on the status of the affidavit. She determined that XXXX had failed to notify us that no action was being taken on the affidavit because XXXX XXXX was not a customer of XXXX. She found the cashed check electronically and their customer who had cashed it. She would not release the name of the customer to me. Since XXXX had accepted the check without verification, she agreed that the transaction was either an error or fraudulent. I requested that XXXX write a check for {$90.00} to XXXX XXXX and debit their customer 's account. She refused. 
XX/XX/XXXX I have had many conversations with XXXX XXXX, XXXX XXXX XXXX, XXXX ext XXXX. As of this date, action on XXXX XXXX 's affidavit is apparently still pending. She was unable to provide a case number from XXXX XXXX bank who issued the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in electronic and written disputes. XXXX keeps saying that it has completed an investigation but has ignored my requests for documentation. The account in question is a Capital one credit card ( XXXX ) The error occures inbetween XXXX and XX/XX/XXXX. There are almost XXXX dollars added to the balance. The card only had a limit of XXXX. What is more I paid that over 2 years ago and I am still seeing missed payments and an absurd balance. At this point XXXX has refused to provide me any documentation of an acutal investigation and is in violation of my rights under FCRA. I ask that this account be removed immediatley!
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an FTC report as I was instructed by Aidvantage. I have sent in this report but these fraudulent items still remain.
Product: Credit reporting or other personal consumer reports

Transunion has inaccurate information on my credit file. I have requested proof where and whom open those accounts there not cooperating.
Product: Student loan

Hello- I'm a co-signer on my Son 's Student loan. In the recent past, i received an email from Discover Student loan department that my son was not paying up. I did remind my son to pay the outstanding which he did. The account has been normalized. 

I called in Discover on XX/XX/ to check the health status of the account and they did confirm that the account is in order. I logged into the student portal to gather more information about the loan such as an amortization statement as the he has about {$53000.00} in loan for a fixed term of 15 years. However, the Discover Student portal has no information whatsoever about the amortization statement relating the the forecast of the loan spread over 15 year period. There is no clear break up of interest versus principal. I spoke to two representatives today. The first rep put me on a long hold and disconnected the call. The second representative was more forthcoming and confirmed that there is no such statement such as amortization for student loan and he put me on hold. The second representative latter disconnected the call. 

I would request CFPB to hold the financial institutions to be responsible for not being transparent in the student loan arena. As such we have burgeoning student loans across the country. To top it financial institutions are not being transparent in their code. Enforcement of such rules and regulations will make student loan more transparent. 

Appreciate it. 

regards XXXX
Product: Credit reporting or other personal consumer reports

I have fraudulent accounts and charges on my personal credit file from Bank of America and XXXX XXXX that does not belong to me. My information was stolen by someone else and these accounts were opened by the person who stole my identity. I have been trying to dispute these charges with them directly but has not worked out neither they gave me solutions. 

I have late payments entries that I do not recognize at all and I request the removal of these entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX ; XXXX ; XXXX ; Transunion ; I was shocked when I reviewed my credit report and I still found multiple inaccuracies on the credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

I'm quite not what's going on, but I can tell you that this account doesn't belong to me, and also it continues to report incomplete, and multiple inaccuracies on my credit report. It's my understanding that once an account is in charge-off status, it can not continue to report any more payment activity as 30/60/90/120+ days late or a XXXX For example, the dates of 1st delinquency, dates of last active, etc are all incorrect, and with multiple inaccuracies. Still continue to report multiple inaccuracies and incomplete, unverifiable info! Different dates of XXXX, XXXX, XXXX, questionable balance, and inconsistent payment history and payment status. Delete for still multiple inaccuracies. DELETE!!! 

" CFPB Released a recent report detailing deficiencies of the 3 major credit reporting agencies : XXXX, XXXX, and TransUnion relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. ''
Product: Student loan

In XX/XX/XXXX, I submitted a student loan borrower defense application. In XX/XX/XXXX, I received a letter from Navient that theyve been informed from the Department of Education about my borrower defense application and would put the account on a 12 month administrative forbearance. In XX/XX/XXXX, I received a letter from the Department of Education that a class action lawsuit had been filed against them due to their lack of responding the borrower defense applications. In that letter, it stated that the loan servicer is not allowed to attempt to collect the debt until after a decision is made on the lawsuit. I have another loan servicer for a loan not covered in the lawsuit that put the loan on hold for 3 years. Navient is still attempting to collect payments and harming my credit with incorrect and inaccurate statements. I contacted them to question their practice in XX/XX/XXXX, they sent me an email stating they have no record of such a notice from the Department of Education. 

Also, because of the COVID-19 outbreak, the Department of Education is unreachable and an order is in place that no student loans are supposed to have collection attempts. However, Navient is continuing to do exactly that. Their website has a posting that as of XXXX XXXX, that all payments and interest has been suspended until XX/XX/XXXX. However, Navient is continuing to add fees and interest and attempt payment collection.
Product: Student loan

I am writing to bring to your attention a deeply concerning issue regarding the information that ACS ( ACS Education Services ) has been submitting to the credit bureaus. This erroneous information has had a profoundly negative impact on my credit report, jeopardizing my financial stability and preventing me from making significant purchases, such as a home. 

I have been a diligent borrower and have consistently made payments on my student loan account with XXXX. My loans are currently on hold and despite my efforts to uphold my financial responsibilities, it has come to my attention that ACS has been submitting incorrect information to the credit bureaus, which has been inaccurately reflected on my credit report. 

The consequences of this error have been severe. I have been in the process of trying to secure a mortgage for a home purchase, a goal that I have worked towards for years. However, due to the inaccurate credit information reported by ACS, my credit score has suffered significantly. As a result, I have faced rejection from multiple lending institutions, making it nearly impossible for me to achieve my dream of homeownership. 

I am deeply frustrated and concerned about the impact that ACS 's mistakes have had on my financial well-being. It is not only affecting my ability to purchase a home but also potentially hindering other aspects of my financial life, such as obtaining favorable interest rates and credit limits. 

I kindly request that ACS takes immediate action to rectify this situation. Specifically, I ask that you promptly investigate the erroneous information that has been submitted to the credit bureaus and ensure that the accurate and updated information is reported as soon as possible. Additionally, I urge you to communicate with the relevant credit bureaus to rectify the inaccuracies on my credit report and provide them with the correct data. 

Furthermore, I am seeking compensation for the emotional distress, time, and effort that I have had to invest in resolving this issue. It is only fair that I am reimbursed for the losses I have suffered as a result of ACS 's mistakes. 

I believe in resolving issues amicably, and I hope that we can work together to rectify this situation promptly. I have attached relevant documentation to support my claims and would appreciate a response within 30 days to outline the steps ACS will be taking to address this matter. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution that will restore the accuracy of my credit report and allow me to pursue my financial goals without unnecessary obstacles.
Product: Mortgage

I have been requesting a verification of mortgage from the servicing company that sold my mortgage to another company. They will not provide it. I am trying to refinance my current mortgage and the new lender needs it. 

I stand to lose my lock and money and if it is not done in a timely manner./
Product: Checking or savings account

I opened a Checking and Brokerage account with Charles Schwab in XX/XX/XXXX. I immediately funded said accounts and purchased stock using the Brokerage account. A few days after opening, Schwab locked both accounts claiming they believed them to have been opened fraudulently. Since that time, I have contacted Schwab numerous times ( 12 ) and supposedly given them all the information they need to regain access to my accounts. Each time I have been told that another office will remove the block and give me back access in 3-4 business days. It has been 6 months of going through this and still haven't regained access. I am obviously being given the run around, which was honestly unexpected from a company like Schwab.