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

I am writing to dispute certain information on my credit report that I believe is inaccurate. I am seeking a thorough investigation to rectify any errors and ensure the accuracy of my credit history. 

I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to request an investigation into the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please conduct a prompt investigation, provide me with the results, and make any necessary corrections to my credit report. As per the FCRA, I also request a free copy of my updated credit report after the investigation. 

Thank you for your attention to this matter and your commitment to maintaining accurate credit reporting. 

Sincerely,
Product: Debt collection

To Whom It May Concern, The reason for my dispute is PHOENIX FINANCIAL SERVICE # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, PHOENIX FINANCIAL SERVICE failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) PHOENIX FINANCIAL SERVICE failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violationPHOENIX FINANCIAL SERVICE is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where PHOENIX FINANCIAL SERVICE is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.PHOENIX FINANCIAL SERVICE has not even tried to contact me regarding this Fraudulent collection account.  Please have them remove this collection account immediately.
Product: Checking or savings account

So I was trying to log in on my checking account and when I was putting the information on the app it was telling me that the information doesnt match on my account. So I contact the bank right away and spoke with one representative regarding my account they told me that my account is been closed because of suspicious activities but this is not fair because I dont do anything illegal with my account especially because this is my work account I get pay here from both of my job so I really dont want to loose my account. I need to make a complaint with TD Bank so they can considered reopen my account because I been a client with them for three years.
Product: Credit reporting or other personal consumer reports

Hello and Good Day I reached out to Experian credit bureau through certified mail to dispute this matter which I am unaware of. I XXXX XXXX XXXX XXXX never gave these companies : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX VIA DEALER XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX I did not give permission in any shape, way or form to run my information nor do I know how they got my information. When I realized these hard inquiries were on my credit report I took action right away, since I didn't recognize it. What I did was sent out an unauthorized inquiries document that I typed up. Sent it certified ( A copy of the letter and the copy of the certified ticket is attached ). This is what I wrote I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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 The following inquiries are unauthorized
Product: Credit card

On XX/XX/XXXXXXXX  I received an alert in my credit monitoring account where a utility accounts that is not mine, is reported in collection under my name and I noticed that i have two accounts that were opened under my name without my consent or authorization. I immediately took action on this issue because i have never had a bad credit history and also, noticed an incorrect name and incorrect address that does not correspond to me. I already reported my suspicions at the police department. Know in XX/XX/XXXX, i receive a new notice about other account reporting under my name that i have never used from BRCLYS BANK and they reporting lateness. This account and the other two from XXXX XXXX and BRCLYS BANK also reporting the same thing. Please helping me with this issue because i have many time trying to resolve this mare with the credit bureaus and nothing happens.
Product: Checking or savings account

XXXX XXXX XXXX as XXXX XXXX XXXX  closed my checking account # XXXX that I paid annual membership oremium fee {$120.00} for this account. I tried to resolve with this financial institution for a partial refund of the M1 Plus membership annual fee since they shut down my checking account without my agreement. 
M1 Customer Service refused to refund a partial unused membership fee for several months after the checking account was shut down earlier before the annual membership expiration. 

I do not appreciate their lack of liability, unethical practices, and corruption with membership fees that they shut down my checking account and did not refund partial premium membership fee I paid for and the membership was unused and not completed in full.
Product: Credit reporting

I WAS A VICTIM OF AN INTERNET SCAM AND I WOULD LIKE TO PLACE A FRAUD PROTECTION ALERT ON ALL XXXX CREDIT BUREAU RECORDS ASAP.
Product: Debt collection

Tried to validate debt. NO SSN # validating, Wet signature is not mine!!!
Product: Credit reporting or other personal consumer reports

On XX/XX/23 my Equifax score dropped XXXX XXXX because I paid off my XXXX installment loan. The account was closed because it was paid in full. On that same day, Equifax decided to remove two laid in full mortgage accounts. A XXXX point drop is significant and financial damaging. The model is obviously flawed and very unfair to consumers. 

BTW, my XXXX score dropped only XXXX points for the same account closing, and there was no change to my XXXX score because the loan was paid in full! Of course its closed once it is paid. 

Equifax is unfairly penalizing consumers who pay loans in full in my opinion
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23, Experian was contacted regarding a dispute. I advised they were in violation of 15 USC 1681 ( b ) and Section 609 ( a ) ( 1 ) ( A ) of the FCRA. On XXXX I asked Experian to re-investigate and to provide all documents with my written consent to report any information 15 USC 1681b ( 2 ) and their method of verification15 USC 1681. They did not provide their method of investigation and they did not accurately verify the information including the name XXXX XXXX XXXX that is listed on the report ( see attached ). I have provided a driver 's license to show the true name. I also advised them of 15 USC 1681 ( 4 ) to exercise their grave responsibility with fairness and impartiality. They did not do so. I also advised on the Gramm Leach -Bliley Act regarding my privacy. They list these creditors as public information. The only public information is if there is bankruptcy and criminal charges. They are in violation of 18 USC 894. They have a negligence and a willful non-compliance. I also advised them on my copyrights to all variations of my name with the recording number in my state along with my fee schedule for violating and injuring me.
Product: Credit reporting or other personal consumer reports

Have XXXX accounts on my credit report that are Charged off written off on my Transunion agent. 
This is reporting inaccurate information. 

I am requesting a 1099c XXXX XXXX XXXX XXXX XXXX
Product: Student loan

This loan was provided by college, as XXXX XXXX, then it ended up being Navient Loan. For the last two years I have set up several times payments that I ca n't really pay but struggle to make payments. Each time we pay for a period they call and want to increase the payment. I ca n't pay what I 'm paying and I explain how do they expect me to increase the payments. I have several other loans to pay and is having a hard time paying my rent, my car note and other bills. The more I pay on this loan the more it grows. I need help. They call constantly from XXXX XXXX to XXXX XXXX. Saturday through Sunday. The last call I got was on Wednesday, XX/XX/XXXX. It 's to the point that I 'm afraid to answer the phone.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I have been a victim of a data breach in which my personal information was compromised. As a result, unauthorized accounts and inquiries have been added to my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following accounts and inquiries : Accounts to be blocked and deleted : XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} XXXX. XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$710.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4600.00} XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$82.00} XXXX. XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$330.00} Inquiries to be blocked : XXXX. XXXX  XXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing again to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. On XX/XX/2022, I submitted a dispute to your company regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. * I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA.
Product: Checking or savings account

When I requested to be accommodated I was told that it would be better if we ended our relationship.
Product: Mortgage

I have been working with XXXX  on this issue since XX/XX/2020. Back in XXXX I submitted a partial claim due to Covid, for roughly the amount of {$7000.00}. Shortly after though, I decided to actually do a loan modification instead of the partial claim. I have a statement that even shows that amount added to my principal and then paid off when I refinanced. Yet the lender is saying that I also did the partial claim, but you can clearly see on my payment history that they added the amount to my balance and I paid that in full when I refinanced my mortgage. They still filed the partial claim though and it's showing on title. I tried to get them to do a re-conveyance of the partial claim and now they're saying I did both the modification and the partial claim, which is entirely impossible. They literally show on my payment history that I didn't.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX As Follow Below : 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 602 A Section 2 : It also States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. XXXX the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Cardinal financial transfered servicing of my mortgage to XXXX  and only provided 2 weeks notice. They did not map over my autopay details and so now I am late. They did not send any emails even though I am a paperless customer. I only found out because I got an alert on my credit score. This is completely unacceptable and has caused harm to my credit score and likely a late fee but I can't even find out because there are no details online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous inquiries on my credit report that I do not recognize and have not authorized these companies to pull my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  see XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX XXXX  XXXX XX/XX/2021 I have written XXXX, XXXX, and Experian numerous time to have them remove and they have not done so. They are violating my rights as a consumer by promoting identity fraud and in accordance with the Fair Credit Reporting Act, has violated my federally protected consumer rights to privacy. 
15 U.S.C 1681 Section 604 A section 2 : It states that a consumer reporting agency can not furnish an account without my written instructions and I have not done so.
Product: Student loan

I called MOHELA multiple times over the course of the last 18 months. Most recently on XX/XX/XXXX to request an explaination of letter they sent to me following my original complaint that loans listed in forbearance on the MOHELA website should be counted in my PSLF. 

Over the last 18 months MOHELA has placed me on extreme holds lasting upwards of 2 hours waiting to speak to a manager following continually being given different reasons why my loans were not being counted. I was told on many occasions it was due to the loan being defaulted. I contacted the XXXX XXXX XXXX on two occasions and requested the dates my loan had been in default. Those dates were provided in XXXX, they were listed as being rehabilitated in XXXX of XXXX and put back into good standing. There remains a period time between XX/XX/XXXX- XX/XX/XXXX where there is no record of my loan, MOHELA has been unable to share what servicer it was with, as it was moved from XXXX to XXXX to XXXX. The XXXX XXXX XXXX has no record of my loan being defaulted in XXXX until XX/XX/XXXX. I requested MOHELA provide me with the information proving that my loan had been in fact defaulted and what documentation was sent to me, the OWNER of the loan during that time. My address, phone number and email were all accurate for that period of time and on notice was received on my end, no proof has ever been provided, and the XXXX XXXX XXXX has no record of it. 

MOHELA sent me letter on XXXX, XXXX XXXX that included no relevant information to my ask, but was merely a recap of my phone calls and stating the dates they claim I was defaulted. This is not proof of default, words and paper from MOHELA do not prove the loan was defaulted.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Federal Fair Credit Act promotes the accuracy, fairness and privacy of information in the files of consumer reporting agencies. Target red card is reporting inaccurate information regarding payments and closure dates. Attached is all the documents supporting my claims. Contact Target spoke with a supervisor # Taps ID # XXXX on XX/XX/2021 paid in full and closed the account! She refuse to provide me with proof! Contact Target again supervisor XXXX # XXXX on XX/XX/2021 ask her to provide proof she refuse! Target refuse my rights as a consumer!!
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan with Affirm for a purchase from XXXX on XX/XX/XXXX for {$1300.00}. I ended up returning the item to XXXX shortly thereafter and XXXX reports they issued the refund back to Affirm on about XX/XX/XXXX for {$1300.00}, the full amount. 

Affirm never acknowledged the refund until I contacted them on XX/XX/XXXX. When asked why they held the funds for so long and why the did not apply them to my account/ loan within a reasonable amount of time after receiving the funds from XXXX they, I was told that sometimes the refund get " stuck. '' Affirm had the refunded money, but continued to withdrawal the monthly payments from my account. I am sure the Affirm will refund the payments now that the loan is satisfied with the refunded money, but it seems crazy that they held the funds for well over 30 days and only applied the refund to the loan once I contact them. 

See the attached chat log with Affirm that took place on XX/XX/XXXX.
Product: Checking or savings account

I recently opened a new business account with Citibank in XXXX XXXX, XXXX branch. Successfully made a deposit and got everything setup. Before I received the debit card, I went on vacation outside of the country. When I returned, I went to branch and told them that I never received the debit card, they helped me filed a replacement card which is supposed to come in the mail. In the mean time they told me I could just come to the counter anytime I need to withdraw. It was only the 3rd time that I had to go in and withdraw cash and make an international wire, the lady who was helping me with the wire had to speak with someone at the back office. They were on the phone, I was right in front of the counter. The person from the back office asked a few questions, and I replied honestly. Next thing the lady told they decided to not allow the international wire and put my account for review. Next thing, they gave me a number to call fraud protection department. I called and waited for 1 hour. A rep simply told me that the decision of account closure was made and theres no further information he can provide. Made a second call to customer service, same answer. Made a third call to their small business service, waited another hour. I was redirected, and same answer. Now ALL my business funds are being withheld by this company for no legal reason and the potential of damage they bring to me is devastating. And after long hours of searching the internet for help, this seems like to only thing I can do at the moment. I just had a new born daughter, she is everything to me. Im under heavy financial burden as a regular person and a father. I cant believe a international bank can do things like this to harm a client and our trust. Please help. Please.
Product: Credit reporting or other personal consumer reports

This company is inaccurately reporting information on my credit report. 
These inaccuracies are harmful to my credit standing and are not an accurate reflection of my financial history. I have already taken steps to dispute these items, and despite this, the incorrect information continues to appear on my credit report. I request that you cease any future reporting of these inaccuracies and immediately remove them from my credit file. 

Please be aware that continuing to report false information can have legal repercussions under the FCRA, including potential lawsuits and penalties. I trust you will act promptly to correct this issue. Please confirm, in writing, that the above-mentioned items have been corrected and will no longer be reported.
Product: Debt collection

On XX/XX/year>, Portfolio Recovery Associates sued me for a time barred debt in the amount of {$2700.00}. I paid my debt years ago, however, it's been so long that I no longer have those records. In Arizona the statute of limitations is 6 years to collect on a debt like this. 

" XXXX. Contract in writing for debt ; six year limitation ; choice of law A. An action for debt shall be commenced and prosecuted within six years after the cause of action accrues, and not afterward, if the indebtedness is evidenced by or founded on either of the following : 1. A contract in writing that is executed in this state.

2. A credit card as defined in section 13-2101, paragraph 3, subdivision ( a ). 

B. If there is a conflict between another jurisdiction and this state relating to the statute of limitations for a debt action as described in subsection A of this section, this section applies. 

I fervently believe that this is an illegal, fraudulent and deceptive attempt to defraud a senior citizen! 

PRA has never ONCE attempted to contact me in those 6 years! I demand proof, signed by me, of contact regarding this issue. You, CFPB, fined PRA {$24.00} million LAST year for these same behaviors!

PRA has been successfully sued by other victims for these same things! I will be doing the same!