23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Back in Fall XXXX, Navinet contacted me rudely stating a loan was due. I stated I was currently in school and faced with other situations ( paying down a debt from my daughters medical bill ) and could not make the payments. Instead of offering assistance - forbearance, lowering payments, etc. they rudely stated that it would go on my credit report, etc. 
I struggled to gather the money to make the payment, but it did n't stop. Month after month and it is still going on. No help, no assistance just rude demanding phone calls to collect my payment or else it will go on my credit report - which it has. 
I just know noticed they took money that should have went to 2 loans ( I have three in total, 2 were activate at the time of this ) and they applied entire payments towards one loan instead of splitting the payment - making me " miss payments ''. Here I was making payments thinking I was helping pay down both loans ( which I actually never knew about since they only told me about one, the one from XXXX ) and they were applying payments towards another loan. 

Here is the payment schedule : Contacted rudely - Fall XXXX XXXX - XXXX Loan : ( the loan there were applying all the $ towards at times ) Date Description Principal Interest Fees Total XXXX/XXXX/XXXX Payment - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

my mortgage company XXXX XXXX XXXX changed its name to XXXX  the XXXX XXXX XXXX name vanished from my credit file for 30 days, my credit score was XXXX then it took a dive to XXXX, and I lost critical points in the process. I know you are in the process of helping companies make money off of the taxpayers by keeping them in a low credit score bracket. doing this pandemic people are already in a low credit score bracket. if i wanted to refinance my home would have had to pay a higher interest rate because this credit score dived to XXXX i feel that my credit score should not have taken the dive, being protected under the fair credit act of XXXX - XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Shows open since XX/XX/2022 this should be the last pymnt received on this charge off not when they took over the account
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was so incompetent that it did n't safeguard my info well enough and got my info stolen along with 143 million people.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX 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

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 contacted all three credit bureau via certified mail to have this hard inquiry from XXXX XXXX XXXX XX/XX/18 and XX/XX/18 investigated/ removed from.my credit reports. It has been 30 days and I haven't heard anything about my request, which violates the FCRA laws that protect consumers and States that the bureaus is to report accurate information and respond to disputes in a timely manner. This hard inquiry has affected my credit score and caused me hardship and stress because I was looking to purchase a home for my XXXX kids. I have been denied credit and home loans due to my credit score decrease
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATER ON THESE ACCOUNTS XXXX XXXX Date Opened : XX/XX/XXXX Late Date : XX/XX/XXXX Payment Status : Current I am disputing the reported late payment for XX/XX/XXXX on my XXXX  account ( ending in XXXX ). This date is in the future, which indicates a reporting error. Please investigate and correct this inaccuracy. 

XXXX XXXX Date Opened : XX/XX/XXXX Late Dates : XX/XX/XXXX - XX/XX/XXXX Payment Status : Current I am disputing the reported late payments from XX/XX/XXXX to XX/XX/XXXX on my XXXX account ( ending in XXXX ). I believe these late payments were reported in error. I request verification with supporting documentation. If they can not be validated, please update them from my credit report. 

XXXX XXXX Date Opened : XX/XX/XXXX Late Date : XX/XX/XXXX Payment Status : Current I am disputing the reported late payment for XX/XX/XXXX on my XXXX account ( ending in XXXX ). Since this date is in the future, it is inaccurate and should be corrected. Please investigate and update my credit report accordingly. 


Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX  XX/XX/year> : XXXXXXXX XXXX XXXX XXXXXX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several months ago, I suppressed my information with XXXX from sharing my information with any credit reporting agency or anyone. I had my information suppressed through both XXXX and their sub-company XXXX. In XX/XX/XXXX, I spoke with a representative that verified that my information and the law prohibits them from sharing any information up to and including public records. I have also disputed negative information being reported on my credit report with XXXX, Experian, XXXX and XXXX and neither company will correct the information. The most recent response I receive via email from XXXX on XX/XX/XXXX was the information they are reporting is accurate and that it was verified through XXXX. Now I wonder how that could be possible when per XXXX all my information with them is suppressed and frozen and they are forbidden by law to report any information pertaining to any aspect of my person, however XXXX, Experian, and XXXX on every occasion of dispute has verified that their information they receive is accurate and it was provided to them by XXXX. I information should have always been suppressed/frozen with XXXX from several years ago, when I became a victim of from around XX/XX/XXXX, however per a representative from XXXX unfortunately the suppression was compromise and it was being reported. Suppression numbers for XXXX XXXX & XXXX, XX/XX/XXXX & XX/XX/XXXX. XXXX per XXXX, Experian and XXXX is in violation of privacy law, practices, information, policies and procedures. These above-named companies have caused me great stress duress and financial losses due to their blatant disrespect for the law.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach, and these inquiries are unauthorized. 
The following inquiries must be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

The Truth in Lending Disclosure I was provided by the lender discloses a grossly inaccurate APR and Finance Charge. The error is far outside the allowed tolerances. If this transaction was closed, then the lender has committed a crime and if the transaction has been closed, then I have been deceived by the Lender and I rescind the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian about the following incorrect information on my credit report. To this date, they have not responded. 


You are reporting the XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$8700.00} ) account incorrectly. I disagree with the Balance of {$8700.00} as I remember the amount to be lower. I ask you to delete the information regarding the Past Due amount, which shouldn't be reported because this account is closed and charged-off. Since my credit score depends on the changes applied to my accounts, I ask you to mark this account as disputed so that it does not influence my credit score. 
The information on the XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4800.00} ) account is inaccurate and is causing significant harm to my credit reputation. The XXXX of {$4800.00} that you provide for this account doesnt correspond to the lower amount that I remember. I ask your agency to revise the Past Due information because it is inaccurate to present a Past Due amount for a closed account that was charged-off. This account has likely caused my credit score to drop. Given this, I need to reach an agreement with my creditor regarding the incorrect data. I ask your agency to mark this account as disputed because I do not want my credit score to get even lower. 
The XXXXXXXX XXXX XXXX XXXXXXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$710.00} ) account is reported inaccurately. The Balance amount of {$710.00} is inflated and inaccurate. I do not recognize this amount and I believe I owe a lower amount. The Past Due amount stated by your agency for this account proves that you did not report this account accurately. This account was closed and charged-off. Accordingly, the Past Due amount should not be stated. I intend to contact the creditor directly to attempt to correct the distorted information. I ask your agency to mark this account as disputed until we find a solution to this problem. 
The information indicated on the XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$33.00} ) account is imprecise. The Balance of {$33.00} that you state for this account is higher than the amount that I remember. You should remove the amount indicated in the Past Due section because this account has a closed and charged-off status. I plan to have a conversation with the creditor of this account to clarify all of the reported data. Until the appropriate corrections are made, please mark this account as disputed.
Product: Credit reporting or other personal consumer reports

Requested to remove incorrect information concerning my address, provided address verification along with diver 's license and company continues to verify inaccurate information.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an erroneous and fraudulent entry on my credit report. On or around XX/XX/XXXX, I noticed a collection account reported by XXXXXXXX XXXX  XXXX XXXX, with the original creditor listed as XXXX XXXX, XXXX XXXX. The report indicates that I am responsible for this debt as a cosigner for an apartment lease. I want to state unequivocally that I have never cosigned for anyones apartment or any other debt with this creditor. This claim is entirely fraudulent. I have been XXXX XXXX  for the past few years and have been in and out of the hospital battling XXXX. Due to my health condition, I have not been able to engage in any such financial transactions, let alone cosign for an apartment. Someone has been using my identity fraudulently and creating fake documents with my information for financial gain. Date collection opened : XX/XX/XXXX Balance : XXXX This fraudulent entry is causing significant harm to my credit and is adding undue stress during an already challenging time in my life. I request that this matter be thoroughly investigated, and that this fraudulent account be removed from my credit report immediately. Please provide written confirmation that this entry has been removed. If you require any additional information or documentation from my end, please do not hesitate to contact me.
Product: Credit card or prepaid card

I was charged a cash advance fee when I did not have a cash advance. I was charged {$10.00}, and PNC will not remove the charge.
Product: Debt collection

I had an account with this company from XX/XX/XXXX to XX/XX/XXXX. I received active military orders to XXXX  from my then duty station to another and called that month to have the account closed and the services disconnected. Apparently, they did not, as I received a call in XX/XX/XXXX from a collections agency to collect a debt of {$390.00}. They said {$120.00} of that was for an unreturned equipment charge, and the remaining {$270.00} was for services rendered from XXXX and XXXX of XXXX. I took responsibility for the equipment and paid the {$120.00} but refused to pay the {$270.00} as I was not in the area due to my permanent change of station and was therefore not utilizing the services, not to mention that I had already called to have the account closed. Now, I'm trying to close on a home but this debt started being reported in XX/XX/XXXX and is tanking my credit scores by XXXX points. My home loan representatives require a " pay-to-delete letter '' as that may be the only thing to improve my credit. Multiple calls to the company and to the collections agency has yielded no luck. Our new plan is to dispute the charge and maybe have it deleted that way on account of the debt being illegitimate. I'll pay it at this point just to be done with it, but being stonewalled by everyone we speak to is becoming impossible and frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Has violated my rights XXXX 
XXXX15 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.
Product: Checking or savings account

On XX/XX/XXXX, I was contracted by a fraudulent person impersonating my friend on XXXX. The imposter requested {$1800.00} from me to be XXXX to his/her account. The imposter hacked my friends account and was able to pose as her ( same phone number, profile picture etc ) through XXXX. Unbeknownst to me, I assumed it was my friend and sent the money from my checking account with Wellsfargo to the email address given to me by the fraudulent person. Shortly after, my friend contacted me to let me know her XXXX account had been hacked and someone was posing as her. I immediately called Wellsfargo and opened up a ticket with the fraud department. I was told to give them 10 business days to rectify the situation. I did not hear back from my bank, so I decided to call them today, XX/XX/XXXX as today is the XXXX business day. During the phone call with the online banker, I was told that they tried to reach out to the bank that received my funds on XX/XX/XXXX to request the funds be returned and they have not heard anything back. They closed the case and said there is nothing they can do to further assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 SECTION 602 A : States I Have a right to privacy. 
15 U.S.C 1681 SECTION 602 A SECTION 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX ( Note ) - dispute with all credit card companies mentioned in above paragraph and all 3 credit bureaus XXXX XXXX and Equifax ( Alert on credit file and to add on now my exact updated info is being used for credit card apps as to not get denied or bypass fraud dept.
Product: Mortgage

On XX/XX/XXXX I submitted a payment through XX/XX/XXXXXXXX XXXX XXXX XXXX for {$1600.00} Its XX/XX/XXXX and UNITED WHOLESALE MORTGAGE is letting me know that they never received the payment I contacted customer care who told me to send them a message, email and fax the proof of payment. 

Ive submitted the proof multiple times on XX/XX/XXXX, along with XX/XX/XXXX and again XX/XX/XXXX. 

I chatted with XXXX, XXXX and another representative on the phone. 

I submitted the documentation via email, fax along with upload on their website however, the team is unable to rectify this issue
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unauthorized Inquiries on Credit Reports To Whom It May Concern : I am filing this complaint against XXXX, Experian, and XXXX regarding unauthorized inquiries on my credit reports that I have repeatedly attempted to address without resolution. I believe these unauthorized inquiries may be connected to a data breach in which my personal information was exposed. I filed an FTC Identity Theft Report ( Report XXXX : XXXX ) to document this breach. 

Background : Upon reviewing my credit reports, I noticed several inquiries that I did not authorize. These inquiries have negatively impacted my credit score and financial standing. I have sent dispute letters to the credit bureaus, outlining the specific unauthorized inquiries and requesting their prompt removal. However, my attempts to resolve this issue through phone calls have been unsuccessful, as I was unable to get a representative on the phone. 

Details of Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Actions Taken : XXXX. Sent dispute letters to XXXX, Experian, and XXXX requesting the removal of unauthorized inquiries. 
XXXX. Filed an FTC Identity Theft Report ( Report XXXX : XXXX ) due to the exposure of my personal information in a data leak. 
XXXX. Attempted multiple phone calls to the credit bureaus but was unable to reach a representative. 

Resolution Sought : I request that the CFPB investigate this matter and ensure that XXXX, Experian, and XXXX take the following actions : 1. Remove all unauthorized inquiries listed above from my credit reports.

2. Implement measures to prevent further unauthorized access to my credit information.

3. Provide confirmation in writing once the inquiries have been removed.

I appreciate your attention to this matter and look forward to a resolution that restores the accuracy and integrity of my credit reports. 

**Sincerely, ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Email : XXXX -- -