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

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX - XX/XX/2024 XXXX XXXX XXXX - XX/XX/2024 Basis for Dispute : Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request : I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Student loan

I was approved on XX/XX/XXXX for a borrower defense claim and I am member of the XXXXXXXX XXXX XXXXXXXX class action in group 2. XXXX was my servicer until XX/XX/XXXX and then I was transferred me to Mohella. 

In the class action guidelines - My relief is to be completed within 1 year of the date I was approved which would be XX/XX/XXXX. When I call Mohella reps tell me they havent received my approval or there is no deadline for relief. I sent a message to their escalation team on XX/XX/XXXX and received a response today XX/XX/XXXX of a canned message and provided no explanation of their delayed processing of my student loan forgiveness. 

My student loans account was consolidated once, I attended 1 school - XXXX XXXX XXXX XXXX XXXX - XXXX and my loans were originally federal held but privately owned which means I do not get a refund. This is an easy case to solve since it does not require unraveling loans from another school. 

I am truly disappointed and frustrated as I applied for borrowers defense in XX/XX/XXXX. Mohella cant provide me any assistance or information regarding their delay beyond the class actions guidelines or rules that were agreed upon within the XXXXXXXX XXXX XXXXXXXX class actions. 

I ask that you review my case and hold Mohella responsible for completing my loan forgiveness as soon as possible. 

My borrowers defense information : XX/XX/XXXX Borrower Defense Application XXXX XXXX XXXXXXXX Borrower Defense Applications School : XXXX XXXX Dear XXXX XXXX XXXX : You are receiving this letter because you are a member of the class of Federal student loan borrowers covered by the recent settlement of the XXXX XXXX XXXX ( XXXX XXXX XXXX ) lawsuit. You submitted a XXXX XXXX to Repayment discharge application relating to your Federal student loan ( s ) on or before XX/XX/XXXX. The Department of Education, applying a special review process agreed to in the XXXX settlement agreement, has approved your claim for settlement relief. For more information on the terms of the settlement agreement please see the Department 's website at StudentAid.govXXXX XXXX 
The Department has determined that you are entitled to settlement relief for the loans taken out on or after XXXX associated with your enrollment at XXXX XXXX ( " Relevant Federal Student Loan ( XXXX ) From the settlement XXXX XXXX XXXX Decision group members in group 2 ( people who applied for XXXX  between XX/XX/XXXX, and XX/XX/XXXX ) whose applications were approved should receive Full Settlement Relief by XX/XX/XXXX or 1 year from approval.
Product: Credit card or prepaid card

On XX/XX/XXXX my bill for account CAPITAL ONE Date opened XX/XX/XXXX did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's dispute resolution process, particularly in light of the recent CFPB lawsuit that underscores significant shortcomings within the platform. Despite being a frequent Zelle user and reporting transaction discrepancies, my financial institution and Zelle failed to investigate my claims adequately. I was informed that recovering lost funds was impossible and that tracking the transactions was not feasible. The findings from the CFPB highlight Zelle 's failure to protect consumers, allowing repeat offenders to exploit the system and leaving users increasingly vulnerable to scams.
Product: Student loan

Upon checking my credit report, I noticed that I was considered " late '' with the markings from this student loan company. The late markings started XX/XX/2021. I was under the impression that the Student Finance Commission was a federal loan that extended all payments for the COVID Relief Act. I contacted them and they informed me to submit and forbearance form and they will remove the markings. Although, my account has been put in forbearance status, the late markings on my credit still exists. This has caused further hardship in which will prevent me from overcoming the financial hardship I'm currently in due to COVID.
Product: Credit reporting, credit repair services, or other personal consumer reports

Balance displayed on all 3 Credit Bureaus of {$4100.00} for XXXX XXXX XXXX Account # XXXX is incorrect, balance is {$0.00}. 

In fact, I prevailed in a Civil Action both personally and for my corporation in XXXX XXXX FL XXXX XXXX XXXX XXXX, XXXX  XXXX, Case # XXXX disputing their disingenuous claim of {$4100.00} and was granted a DISMISSAL WITH PREJUDICE in my favor. 

No balance is owed, {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My HOA foreclosed on my condo on XX/XX/XXXX and was sold at auction. Wells Fargo was the 1st lien holder. They did not start reporting missed payments until AFTER the auction and were allowing the auction winner to use access and use my mortgage for 18 months and they DISTROYED my credit. My credit went from XXXX to under XXXX AFTER the Auction because they were reporting me missing payment. 
At the Auction, the winners got the title and I believed they were supposed to pay off superior liens but they used mine until they sold the Condo in XX/XX/XXXX. 
I can't live in it, I can't rent it, I can't sell it because I don't have the title to it yet Wells Fargo told me I still have to pay for it and reported it to the credit agencies that I was not paying and now I can't rent a box to put on the street. 
I complained to the credit reporting agencies and Wells Fargo told them that this is perfectly acceptable to let other people use my loan. 
Wells Fargo told me " the owner has a right to protect their asset '' so it it is there asset why am I still responsible for the payment? 
They told them how much to pay to keep them from foreclosing on it and started the late payments all over again. 
I don't understand. I thought the auction winner had to secure funding BEFORE bidding at auction for a property. 
I have NOT hired an attorney because I can not afford one so if they tell you that again please ask them for a signed agreement with this attorney. I DON '' T HAVE ANY MONEY AND NOW NOBODY WILL LEND MY ANY.
Product: Mortgage

I am a realtor representing my client and I have been trying since XXXX to initate in equator. They have even told me that I would be able to initiate in equator. We went through a modification in XXXX and the client does not want to do it. He wants to proceed with a short sale. Every time I call no one can ever do anything and you have to talk to management to be able to get you in the system.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX  XXXX sent me a letter stating that on XX/XX/XXXX XXXX XXXX XXXX on XXXX in XXXX, Colorado sent them an application for auto financing on my behalf, which I was denied, then again on XX/XX/XXXX i received another letter of credit denial from XXXX stating the same thing, the day before on XX/XX/XXXX I received a letter from XXXX XXXX  stating that XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in XXXX, Co. requested an Auto Loan for a XXXX XXXX XXXX, then on XX/XX/XXXX XXXX also denied me for the same company for an auto loan, which is the same company as XXXX XXXX XXXX, and again that I was denied. Also, on XX/XX/XXXX XXXX, and XXXX XXXX XXXX  denied me credit, which I did not apply for, it was for another auto loan.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance {$17000.00} XXXX XXXX  XXXX Balance : {$25000.00} XXXX  XXXX Balance : {$9700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00}
Product: Credit reporting or other personal consumer reports

my XXXX XXXX all from one XXXX XXXX XXXX XXXX has been with several agenies through the years from XXXX XXXXXXXX XXXX to fed loan servicing to currently XXXX they should be forgiven under Biden administration law however every time i try to submit says im only eligible for income driven repayment plan the 3 or 4 loans are consolidated into one loan around {$34000.00} for whatever reason every time the loan is moved to a different collection servicing agencies it creates a new loan under each credit bureau making it seem like i have 3 separate loans with each credit bureaus verses 1 consolidated loan reporting one time to XXXX XXXX and TransUnion.It however reporting 3 separate loans of {$34000.00} to XXXX XXXX and Transunion reporting debt of my student loan around {$100000.00} alone verses just {$34000.00} being it keeps going to agency to agency even after consolidation this has heavily hindered my credit worthiness and is negatively adversely affecting me from getting better housing interest rates on cars and other goods because a high debt to income ratio.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX acct # XXXX and acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: Credit reporting, credit repair services, or other personal consumer reports

I have consistently been denied access to credit by more then 10 banks because according to my credit report inaccurate items are on there that are tarnishing my reputation. Which is a violation of 15 USC 1692d 1. ( 1 ) the use or threat of violence or other criminal means to harm the physical person, REPUTATION, or property of any person ; is a violation of the Fair Debt Collection Practice Act. I have tried reaching out to have this problem fixed. Nevertheless these inaccurate items are still being reported which is another violation because according to 15 U.S. Code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors ; A person shall 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. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency. Those along are enough listed violations to equate to over {$5000.00} in fines. I am a single parent that is trying to support a family of 3. I have paid my dues in society all I am requiring is to be treated fair. Attached is evidence provided in the FCRA book, FDCPA book, and Proof of XXXX  Data Breach Victim
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request for Blocking Information Resulting from Identity Theft - FCRA 605B Dear Sir/Madam, I am writing to formally request the blocking of certain information from my credit report under the provisions of FCRA 605B ( 15 U.S.C. 1681c-2 ) due to suspected identity theft. As per the Fair Credit Reporting Act, I am entitled to request the removal of fraudulent information within 4 business days after providing the necessary documentation. Below is the information required for the blocking request : ( a ) Blocking Information As part of my request, I have enclosed the following required documentation : Proof of my identity ( such as a copy of my government-issued ID ).

A copy of the identity theft report filed with the relevant authorities.

Identification of the information I believe is fraudulent, along with the details of the specific transactions in question.

A statement confirming that the disputed information is not related to any transactions I have authorized.

( b ) Notification to Furnishers Once the block is processed, I understand that the consumer reporting agency will notify the furnisher of the information that : The information may be the result of identity theft.

An identity theft report has been filed.

A block has been requested.

The effective dates of the block.

( c ) Declining or Rescinding a Block In accordance with the law, I am aware that a consumer reporting agency may decline or reverse the block if : The information was blocked by mistake or the request was submitted in error.

A false statement was made in the request.

The consumer benefited from the fraudulent transaction ( e.g., received goods, services, or money as a result of identity theft ).

If the block is declined or rescinded, I expect to be promptly notified as outlined under Section 1681i ( a ) ( 5 ) ( B ), similar to notifications regarding the reinsertion of information in my file.

( d ) Exceptions for Resellers If applicable, I acknowledge that a reseller of consumer report data is not required to block information if they do not currently furnish or resell the disputed information. In such cases, the reseller must notify me with details of the information source.

( e ) Exceptions for Check Services Companies I understand that check services companies are exempt from these provisions. However, they are required to refrain from reporting identity theft-related information within 4 business days of receiving the necessary documents.

( f ) Access by Law Enforcement I also understand that this request does not prevent law enforcement from accessing blocked information as required by law.

Please let me know if you need any additional information or documents to proceed with this request. I appreciate your attention to this matter and look forward to your prompt response.

Thank you for your time and assistance. 
Sincerely, XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX
Product: Student loan

My husband and I have AGAIN been denied TEPSLF, despite being guided through the process by FedLoan Servicing case managers. The first time we were denied TEPSLF, we were told in writing to make three (3) more payments, resubmit employment verification and resubmit the request ot the TEPSLF program to have our loan forgiven. We did all of that. Our case has been screwed   up from day one (1) with FedLoan servicing. We have CONTINUALLY been given misinformation regarding our case. No one ever gives the same answer, and the ball has been dropped over and over again. I have document after document, email after email and phone call after phone call, of misrepresentation and guidance by Fed Loan servicing staff and agents. My husband and I are now planning to seek legal advice because of the most recent correspondence denying our request, for not having made 120 qualifying payments under TEPSLF. It is sad, that our case has been so mishandled and drug out by FedLoan Servicing,  we are having to are consinder legal counsel. It appears as though we continue being led in a cirlcle, in an attempt to collect money. We are both public servants who have served well beyond the the required time in service, and made well more than the required payments to qualify. The poor business practices, lack of training, and knowledge of the law by FedLoan Servicing personnel continue to cause our family mental anguish and undue stress. The practices by this company border on criminal. It seems we are nothing more than a revenue stream, whom FedLoan Servicing has no intent of letting go.
Product: Credit card or prepaid card

XX/XX/18 Chase Called company to undo the over draft fees, stated they couldn't and wouldnt. 
I went under {$5.00} due to charges not being processed same day or same week. 
I was charged XXXX for over draft which put me at XXXX and charge again for over draft when I got drafted those XXXX, happened 3 times.
Product: Mortgage

I was affected in this covid 19 pandemic. I was temporarily lay off as of XX/XX/XXXX. I called freedom mortgage company last XX/XX/XXXX ( if Im not mistaken, ) I contacted the company to inform them that I was affected in this pandemic and I needed help. I was told that they are still waiting for the governments approval regarding mortgage relief and the only way they could help me is to apply for a forbearance loan which is after 90 days of no payment I have to pay the remaining balance of 3 mos which is i cant afford to pay 3 mos worth of a mortgage. So I refused to apply and decided to wait. On XX/XX/XXXX, I called again and ask them if freedom mortgage has a new system of helping costumers affected from covid, unfortunately they dont have any option again except to apply for a forbearance. Freedom mortgage is too slow to help their costumers in this time of hardship. Mortgage Companies in the state of New Jersey were already offering deferred payment or pause payment for 3 mos until pandemic will be over .freedom mortgage Costumer representative claimed they are still waiting for the governments approval to take deferment mortgage payments but as far as i know this is already approve in other mortgage companies. I just dont understand that in this hard times especially in the state of New Jersey we are hardly hit and it should not take so much time to assist costumers not to mention an hour wait on the phone to get the answer. In this hard times as a costumer, Im expecting that freedom mortgage will at least work with their costumers in times like this most especially the people that were affected I at least give us peace of mind that we will not loose our shelter. But unfortunately, until now they dont have a better options to give their costumers some relief in paying the mortgage and it takes them so much time to handle this kind of situation.
Product: Mortgage

We are in the process of refinancing and can not get the correct payoff from Dovenmuehle after several unsuccessful attempts to communicate with them. The issues stems from their failure to correctly manage our escrow which they misspent and demonstrates us in a negative balance which has increased our pay off amount. 

My husband ( a XXXX veteran ) and I have recently worked with a new lender and secured a much lower interest rate for a refinancing opportunity. However, the new institution we are working with can not receive the correct pay-off amount from Dovenmuehle Bank which has caused us to request ( and pay for ) a rate lock extension. I have tried over the last 2 weeks with at least 10 separate attempts to communicate with Dovenmuehle to receive a correct pay off amount simply to be placed on hold for hours with no results, disconnected, or outright provided incorrect information. We fear, based on current communication impasses with Dovenmuehle, we have the potential to lose the refinance interest rate we are locked into. This would result in us losing thousands of dollars due to Dovenmuehle 's negligence. 

In XXXX I was checking with our local county to verify our property taxes, I ( not Dovenmuhle ) discovered they had used our escrow to pay another homes property taxes. This discovery began a long two month process with the same failure to receive information, speak to someone with authority to impact the situation or attain any results to rectify the issues with our local county tax department. 

The issue from the tax fiasco is the contributing factor to our current unresolved issue. We currently have an escrow balance of {$1800.00}. This amount is correct and is shown on our recent escrow analysis. However, the payoff statements we receive are showing our escrow is still in the negative because they have not correctly rectified their mistake with our money. The negative escrow balance of {$4100.00} they are showing has increased our payoff amount. We simply want to have them correct their records and provide our new lender and us with a corrected pay off amount in time to secure the refinance interest rate so we can leave the nightmare they have created.
Product: Credit card or prepaid card

On XX/XX/2020 we charged {$170.00} with a company called " XXXX XXXX '' for an activity we were going to participate during a trip to Hawaii. While on our trip, the company cancelled the activity. We were told that we would receive a refund. About two weeks later, when there was no refund, we called the company XXXX XXXX and we were then told they would give us a " due bill '' to use in the future. We will not ever be in Hawaii again - so there is no way to use this " due bill ''. We contacted Chase, our credit card company, and opened a dispute. On XX/XX/2020 we received a letter from Chase stating they were siding with the company XXXX XXXX. When we called Chase and spoke to a manager he said the dispute was closed that Chase felt this was an acceptable situation that we get a " due bill ''.