23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Violation of 15 U.S.C. 1681b ( c ) Verifiable Proof/Documentation of My Non-Existing Authorization/Signature DEMANDED Name : XXXX XXXX Last Four Digits of Social Security : XXXX Violation of 15 U.S.C. 1681b ( c ) : Unauthorized/Unlawful Hard Inquiry Offending Company : Nowcom/Elite Date Placed on Credit Report : XX/XX/2018 Credit Bureau : Experian Dear Sir or Madam : I write this Complaint in a good faith effort to resolve the issue of this unauthorized/unlawful inquiry referenced above. Please note that this is not an acknowledgment or acceptance of said inquiry, as I did not seek credit with XXXX. Nor is this a waiver of my right to dispute this inquiry pursuant to and as allowed by 15 U.S.C. 1681 ( The Fair Debt Collection Practices Act ). 

I recently received a copy of my Experian credit report. The credit report includes this unauthorized/unlawful credit inquiry by XXXX. I understand that, pursuant to 15 U.S.C. 1681b ( c ) governing transactions that are not initiated by consumer, XXXX and Experian, as the credit reporting agency, are prohibited from placing an inquiry on my credit file unless I have authorized it. As I absolutely have not authorized anyone at XXXX to review my credit file, please ensure XXXX and Experian remove this offending inquiry from my credit file/report as it is damaging my credit rating and hindering my ability to establish credit. 

I have attempted to resolve this matter directly with XXXX and Experian to no avail. Therefore, I am contacting you, as the designated federal agency to assist consumers/victims of such Violations, to investigate and finally resolve the matter so that my credit file/report is accurate. 

I thank you for your sincere consideration of this matter, and look forward to a prompt and amicable resolution of this matter. 

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

A property I used to live at in 2019 is reporting me on the tenant screening and I am having a difficult time finding stable housing. I have a voucher and every property I have applied denies me because it looks like I owe money to this property. The property had my name incorrect in the contract they provided the collection agency in addition to having the wrong move out date as XX/XX/2019 when I moved out in XX/XX/ 2019. Despite my efforts attempting to remove this it's been unsuccessful I even paid whatever they asked. I just really need this property to stop reporting me on the tenant screening as I do not owe them anything. Please see attached proof.
Product: Debt or credit management

initially I signed up for Experian Credit Services after learning the service was quite useless I stopped my subscription, bur found Experian continuing to bill me. 

I called customer service to advise Experian I no longer would like service please remove my information, I do not want to receive marketing calls or emails, Experian continued to bill me and send me marketing emails. I requested a block from my bank also contacting Experian to recover fund that weren't authorized. 

I continued to receive emails and unauthorized purchases to my debit card.
Product: Checking or savings account

Hello my name is XXXX XXXX and Im making a complaint about this investing company call XXXX XXXX XXXX Ive invest my money which is {$5000.00} and there is a part there on the app I could set a certain amount of money where I can withdraw when I ready so I set {$3500.00}. So this money was coming from my XX/XX/XXXX XXXX account but my account info was stolen I dont know by who and my XX/XX/XXXXXX/XX/XXXXXXXX account is closed so you know my money wont be able to go back to my XX/XX/XXXXXXXX okay cool. So Ive contacted customer service and they said I have to send bank statements for both account and I should send the document that stated my account is closed andXX/XX/XXXX I think so I did that. But I got a spam email I dont know from who but whosoever send me that email know my bank account is closed so they spend me a spam document about my closed account which I thought was real and send it to customer service and they said its not a real document then I realize its fake but I wouldnt know then I got real email in my mail box fromXX/XX/XXXXXXXX saying my account is closed and I send them the picture of it and they approved it and change it the bank account I want on file. i have all emails for proof as well to proof all of this. They gave me a date where I can withdraw my money to the new bank I verify on there which was last month. When that they comes they said I will be able to withdraw my money by the end of day. I try to withdraw the money its not working I reach back out to them they transfers me to there XX/XX/XXXX his name his XXXX and he doesnt know customer service even now he cant reply to XXXX of my email its like the company ditch me and gone with my money. But anyway XXXX came and tell me that I cant withdraw my money because the first document I send them is fake which I already explain everything that I see that in my email and I thought it was the real document until I did get the real document in my mailbox from XX/XX/XXXXXXXX and I send them and they did approved everything and give me a date when I can withdraw my money and now when the date comes they are telling me I cant Withdraw. Then he is silent for a while then he email me back and said in order for me to get back my money I have to reach out the the police or a legal entity which Im doing now its like they are taking peoples money and not giving them back. So this is me making my complain Ive being to the police station they cant do anything about it so my friend tell me about this government website so thats why I contacted you guys. Ive send XXXX many email after that and he wont reply and no one at the company wont reply to me as well cause Im asking them which legal entity i can report this to and I got no response. This company need to be addressed by the federal trade commission because I can know that Im not the only person Money they are taking and this business is registered in the United States and Taking people money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. I SENT A LETTER OVER A MONTH TO THE CREDIT BUREAUS ABOUT THE ACCOUNTS ONMY CREDIT REPORT. thEY SHOULD DELETE TO INACCURATE UNVERIFIABLE ACCOUNTS. THEY ARE IN VIOLATION AGAIN.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INQUIRIES reporting to my file are a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these accounts from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. 

XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Union XXXX XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, The XXXX XXXX XXXX XXXX and XXXX, then name changed to XXXX XXXX before shutting down. As a matter of fact, The XXXX XXXX of XXXX and XXXX was investigated by the numerous media sources. 
Because of the numerous class of fraud and misconduct perpetrated by these online for profit schools, such as The XXXX XXXX XXXX XXXX and XXXX, I was able to file a Borrower Defense claim with the Dept. of Education againstXXXX XXXX XXXX XXXX XXXX and XXXX, and my Fed. loans of $ XXXX were discharged and my credit repaired.

My Borrower Defense Claim was also part of the XXXX XXXX XXXXXXXX settlement for which I was a full class member. 

I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early 2000 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. I was someone who would have qualified based on missing 7+ payments, being under qualified for the loan, meeting enrollment and foreberance requirements but because my loan was not charged off, as I began paying again, I was excluded. 

After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices?

I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. Senator XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!
Product: Mortgage

Background : - on XX/XX/XXXX, I paid my Wells Fargo mortgage of {$60.00} on line through my Wells Fargo Checking account - on XX/XX/XXXX, my XXXX XXXX XXXX account was charged {$86.00} for XXXX mortgage ( $ XXXX {$30.00} principles ). This was not authorized payment by me! 
- I called the bank 3 times and it seems no one can help me to solve this issue - then I spoke to a supervisor XXXX who said that she will look into it and it can take 10 days to get back to me!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Experian XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Subject : Delete/ Removal of Inaccurate Account due to inaccurate Reporting Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Dear [ Credit Bureau Name ], I am writing to dispute inaccurate and inconsistent information on my credit report related to the above-referenced account. This account is being reported as a repossession with conflicting details across credit bureaus. Please Delete and remove this account entirely. 
Inconsistent Payment History : Experian reports " XXXX delinquencies '' in XXXX, despite payments made as recently as XX/XX/year>. 
XXXX reports " XXXX potentially negative months, '' which is inconsistent with Experian 's " XXXX potentially negative months. '' Repossession Status and Balance : XXXX shows " 97 % paid off '' with a balance of {$1100.00}, yet this account is listed as a repossession. 
The repossession date differs between Experian ( XX/XX/year> ) and XXXX ( XX/XX/year> ). 
Last Payment and Balance Details : Experian lists the last payment date as XX/XX/year>, while XXXX lists XX/XX/year>. 
Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to report only accurate, consistent, and verifiable information. I am requesting : Immediate removal of this account from my credit report if verification can not resolve these inconsistencies. 
Please respond to this dispute within 30 days of receiving this letter, as required under the FCRA. I have enclosed copies of my credit report highlighting the errors for your reference. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XX/XX/2023 Personal Information : NAME : XXXX XXXX NAME : XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX  EMPLOYER : XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file XXXX XXXX The item I have identified is inaccurate because I never had a account with XXXX XXXX and or a credit card with XXXX bank XXXX and XXXX
Product: Credit card

A membership to Amazon was due XX/XX/XXXX wife misplaced card we cancelled card when we received new cards added to Amazon, we never received notice Amazon store card was charged when we finally found out XX/XX/year> there was over {$60.00} in late fees. Tried speaking with synchrony and they would not accept original membership fee. My offer still stands I will pay membership fee to synchrony. All is good with Amazon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Experian XX/XX/XXXX to remove these suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 

Personal Information : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX CARDS XXXX XX/XX/XXXX
Product: Debt collection

Today Harris & Harris , Ltd. called me at work and asked me to provide my identifying information right away. Since my bills are being paid, and I have an agreement with a medical provider ( I live with XXXX XXXX ), I asked the agent what debt she was collecting. She told me I was not allowed to ask questions, and she was the only person allowed to before asking me to verify personal information. I told her if she was not answering my question, I was not answer hers, and I hung up. XXXX XXXX XXXX XXXX XXXX called an hour later. 

This occurred on XX/XX/XXXX a little after XXXX XXXX The next call happened a little after XXXX XXXX   Since I was working with a student remotely, I did not answer. According to XXXX : XXXX. How can you seek verification and validation of the debt? 

Debt collectors do not have to provide debt specifics during the initial call, though they often will. Collectors legally have five days from initial contact to supply it. This legal process, defined in the Fair Debt Collection Practices Act, is called verification. Simply asking, How can I request written verification of this debt, and getting the paperwork in hand, is good practice. ( A sample debt verification letter is here ). The process is also called validation. Any legitimate collector will not balk at requests for verification or validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$1900.00}, XXXX XXXX XXXX Balance : {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is not complying with Complaint as requested Per CFPB.
Product: Credit reporting or other personal consumer reports

My identity was stolen and unauthorized accounts were opened with XXXX and they will not remove it from my consumer report knowing it was unauthorized which is a violation of FCRA. There are also hard inquiries from XXXX XXXX and Bank of America from Adverse Actions that should be excluded in Accordance with FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct or delete this immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

XXXX closed my account claiming there was fraud on the account and there was no fraud. This was 3 months ago and I have not received my money that was in the account at the time of closure. They keep saying it will be mailed and it is never mailed.
Product: Debt collection

They offered me a settlement which I paid. They held my funds for XXXX business days enabling them to report only the decreased balance but not the settlement. They then reported the settlement but have yet to remove their tradeline. They have stretched the length of time so they can continue to negatively impact my credit when theyve received their money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Transunion about two items on my credit report that are fraudulent via mail and phone. Transunion is not only still reporting the fraud they have not addressed my dispute. By FCRA law they have to cease reporting the company in question until the investigation is completed. They have not done so nor have they initiated any investigation attempt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Opened XX/XX/year> XXXX XXXX I do not recognize this lender or credit company that has a collections on my account. Also, they keep increasing the amount of money monthly that they claim I am responsible for.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This company is reporting to my personal credit report when the loan was sold to me as a company vehicle loan being reported to the companys report not showing up on my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TransUnion LLC XXXX. XXXX  XXXX   XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX  XXXX   XXXX  XXXX XXXX XXXX