23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XX/XX/year> : I followed up writing " Hello, I wanted to inquire on the details why I was denied for Navient AG Multi-State Settlement, where I qualified for every criteria of being discharged.

I also fell into a period of time where I did not meet payments XXXX  months straight and fell into bankruptcy at one point. I just want to get a detailed clarification as to why. Thank you '' Their response was merely I was not qualified. There have been many recent CFPB complaints very similar to mine in regards to this predatory loan servicer. There have been many people who have been sent applications inquiring about a school misconduct discharge for private student loans, and I would like to be included in this as the school I've attended ( XXXX XXXXXXXX XXXX XXXXXXXX ) fall exactly within the perimeters of discharge. Thank you kindly for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I obtained financing through XXXX XXXX. They processed the loan through multiple lenders. I was ended up getting the loan from XXXXXXXX XXXX XXXX  in XXXX, MI. Meanwhile, all of these other inquiries are on my report for a single loan. I never authorized these multiple inquiries.
Product: Credit reporting or other personal consumer reports

I am writing to you for the second time to address the persisting issue of fraudulent items on my credit report. Despite my previous efforts, the items in question remain, and I find it necessary to bring this matter to your attention once again. 

In my initial dispute, I provided detailed information and supporting documentation to demonstrate that the items on my credit report are indeed fraudulent. Regrettably, I have yet to see any resolution or removal of these inaccuracies. 

The fraudulent items are adversely affecting my credit standing, and I am concerned about the potential repercussions this may have on my financial well-being. I have taken all necessary steps to comply with your procedures and have submitted the required documentation to verify my claims.

I kindly request that you conduct a thorough and expedited review of my dispute, taking into consideration the evidence I have previously submitted. Transparency in the resolution process is crucial, and I expect clear communication regarding the progress and outcome of your investigation.

If there are any additional steps or documentation required from my end, please notify me promptly so that I may provide the necessary information to expedite the resolution process. I am committed to cooperating fully to ensure the accurate and fair reporting of my credit information. I am asking for your assistance to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have a XXXX XXXX  credit card and a XXXX car loan on my credit report nether one of these accounts are mine i sent in a dispute and FTC report and police report to the credit bureaus and the credit bureaus removed the accounts from my credit report. 

XXXX was removed - XX/XX/2021. 
XXXX XXXX  was removed - XX/XX/2021. 

It is against FCRA to remove unverifiable and unauthorized negative accounts and place them back on the report once it has been removed. These negative items are back on my credit report. It is really hurting my score and credit profile and stopping me from getting a new home and a better position at my place of employment. Please help me get these negative unauthorized items from my credit report permanently. 

Attached will be proof that these items were removed at the above referenced date. 

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

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXXXXXX XXXX XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  account # XXXXXXXX XXXX XXXXXXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX  account # XXXX, us dept ed account # XXXX, XXXX XXXX XXXXXXXX, account # XXXX, XXXX account # XXXX,, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

Mailed payment to XXXX XXXX XXXX last two months on XXXX of the month due on XXXX but last month the lost my payment I ask to change my due date to make sure it got there on time they never did. Payment lost again this month now they have change me two charges to my account causing me to be {$59.00} in a hole. I want them to find my payment!
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and notice there were some items that do not belong to me. Here are the following accounts : XXXX XXXX XXXX # XXXX {$99.00} XXXX XXXX XXXX XXXX XXXX {$340.00} XXXX J XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX  # XXXX {$490.00} The specific information under dispute is derogatory nature. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section XXXX, subsection ( XXXX ) ( D ). Plus remove hard inquiries that does not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of a child support account on my consumer report. The account in question, identified by the account number XXXX, XXXX is being reported with discrepancies across TransUnion, XXXX, and XXXX, as shown in the attached documentation. Due to these inconsistencies, I believe this account should be removed from my credit report under the Fair Credit Reporting Act ( FCRA ) and relevant case law. This account is also listed 3 times with the the same account number this can not be correct and each consumer agency knows listing this account this way is lower my score on purpose. This account should not be listed XXXX times. 

The FCRA ( 15 U.S. Code 1681s-2 ) mandates that furnishers of information provide only accurate and complete information to credit reporting agencies. In this case, the child support account is being reported differently across multiple agencies. The inconsistent reporting violates the accuracy requirement of the FCRA. Specifically, the account shows different balances, statuses, and payment histories, which create confusion and result in an inaccurate representation of my financial obligations. 

Moreover, under XXXX XXXX XXXXXXXX XXXX XXXX XXXX, the court ruled that inaccurate or incomplete credit reporting violates a consumers rights under the FCRA. Since this account is not being reported accurately and consistently, it is imperative that this inaccurate entry be removed to avoid further damage to my credit profile. 

I respectfully request that you : XXXX. Investigate the reported inaccuracies in the child support account. 
XXXX. Remove the inaccurate entry from my credit report. 
XXXX. Provide written confirmation once the deletion has been completed. 

Please consider this a formal dispute under the FCRA, and I expect a full investigation and correction to be completed within 30 days, as required by law. I have enclosed a copy of my credit report with the disputed information highlighted for your reference. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting in XXXX I sent dispute letters to the bureau in regards to each account. They responded with by sending me a credit report saying that they were verified. In XXXX I responded with another dispute letter stating that if you verified I would like a hard copy and method of verification. The bureau responded with again another credit report stating that each account was verified. I have rights and and under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ), to have the bureau provide proof of each and every account within 15 days. If not all accounts should be deleted. The bureau has not provided any type of proof of any account on my report besides the word verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting on my credit file either in error or result of identity theft. Please assist me in getting these accounts and unauthorized inquiries removed from my credit file. I did not authorize anyone to apply for or open any accounts using m personal information. Please see the attached Identity Theft Form. 

The following accounts does not belong to me : XXXX  XXXX XXXX XXXX XXXX/XXXX  XXXX  INQUIRIES : XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

I received a letter from this company demanding me to pay them. To my knowledge I have never signed a contract with this company and neither have they provided me with goods or services
Product: Debt collection

Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to Enhanced Recovery Corp. I had my Personal financial Consultant speak on my behalf. XXXX XXXX XXXX spoke with Enhanced Recovery Corp. This was a XXXX XXXX Account and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by Enhanced Recovery Corp. In this case the debt should be removed from my credit report and out of the office of Enhanced Recovery Corp. because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can not collect in the state unless they are register by the State of Texas and bonded.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 Subject : Dispute of Alleged Account Account Number : XXXX XXXX XXXX XXXX  To whom it may concern : I am writing to formally dispute the alleged account associated with the account number mentioned above, as per a court order dated XX/XX/2023, which concluded the parties have agreed that the landlord dismisses the monetary claim with prejudice. I do not have a monetary obligation in this matter. The court case was mediated and subsequently closed without prejudice. I received a notice from your agency regarding the collection of a debt, and I believe this to be a violation of the court 's decision. 

As stated in the court order, which I have attached for your reference [ A physical copy is on file with your office as well ], the matter at hand was thoroughly examined, and it was determined that I do not owe any monetary obligations related to the alleged account. Therefore, I kindly request that you cease all collection activities immediately and update your records accordingly. To assist you in resolving this matter swiftly, I have enclosed a copy of the court order for your review. It clearly states that the case has been closed without prejudice, emphasizing that I am not liable for any outstanding debts associated with the alleged account. It is imperative that you abide by the court 's decision and discontinue any attempts to collect on this debt. 



I expect your full cooperation in this regard. Failure to comply with the court 's order and to cease all collection activities may result in legal action being taken against your agency for violation of the Fair Debt Collection Practices Act. Please provide written confirmation within 30 days of receiving this letter, acknowledging the closure of the case and confirming that all collection efforts related to this account have been terminated. 



Additionally, ensure that no further communication or reporting to credit bureaus occurs concerning this disputed debt. I trust that you will handle this matter promptly and with the utmost professionalism. Thank you for your immediate attention and resolution of this dispute. 



Respectfully, XXXX XXXX XXXX
Product: Credit card or prepaid card

OnXX/XX/XXXX I visited the Ashley Furniture store in XXXX, Florida to buy a couch with my girlfriend. We found it and decided to get it. The price was {$1500.00}. I put down {$500.00} on my MasterCard and was left with a balance of {$1000.00}, which I financed through Ashley Furniture / Synchrony Bank. They approved me at that time for a {$4500.00} credit limit. After we left the store, about 30 minutes later we received 2 calls from Ashley Furniture and they were asking me if I had some of the documents that we filled at the store. I told both the salesman, and the customer service lady that I didnt, all I had was my receipt.In the beginning ofXX/XX/XXXXI made 2 payments to Synchrony Bank and paid the full remaining balance of {$1000.00} in full. On XX/XX/XXXXI got a notification on my phone that there is a new charge on my account, I immediately called the number on the back of the card and informed Synchrony Bank that theres a new charge on my account and its not mine. They closed that account, sent me a new card and said that they will investigate. After they completed their so called investigation, they are insisting that I owe them this new charge of {$1500.00}. I was shocked, I called them many times and told them that I have not made any new purchases other than my couch.I contacted Ashley Furniture and they emailed to me the information they have regarding my account. After looking carefully at the documents, we noticed that they have written the other customer purchase order # ending in XXXX on my document. My purchase order # ended in XXXX.There seems to be another customer that is mixed up with my account from what Im seeing in the documents that they sent me, you can clearly see her name and address. Its pretty clear that they mixed up my account with hers, and now Im responsible for her purchases according to Synchrony Bank. This is insane, I dont know who this lady is, it shows a completely different address than mine, in another city. I have been dealing with this nightmare for months. I also had to open a XXXX / XXXX identity protection account which costs me $ XXXX/month. They are causing me and my family a lot of stress and we need somebody to stand up for us, because we tried everything, but they dont care.I have contacted the Florida Attorney Generals office as well for help.
Product: Debt collection

This is another attempt for XXXX XXXX XXXX  and several collection companies without any legal or signed documents. 

Previous complaints for the same NOT OWED DEBT ( that were previously removed from credit reports ) Previous complaint ID XXXX, XXXX, ( resolved ) Current complaint ID. XXXX XXXX ( current ) XXXX collection agencies involved with filing false reporting to all major credit agencies. 

( XXXX ) XX/XX/24 Sunrise Credit Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Due to this, my daughters entire XXXX XXXX  check was taken from her cash app account fraudulently! I explained how a hacker got into the cash app, took my phone number, email address & my device from my account, while adding all their information & wiping my account clean! I provided all their screenshots that Ive provided to this dispute as well! 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Ive filed a couple of disputes which all came back denied and without my daughters XXXX XXXX funds being refunded to her! These actions have caused significant inconvenience and financial loss, including bills past due, and I seek appropriate redress for these violations.
Product: Credit reporting

equifaxis changing status of of accounts on my credit file from included in chapter XXXX bankruptcy declared XX/XX/XXXX and discharged on XX/XX/XXXX to open accounts with late outstanding debts, they reported accounts correctly thru XX/XX/XXXX and on XX/XX/XXXX they changed to open accounts, my first complaint of honda finance, the company reported to you and me, that they are reporting correctly as discharged in bankruptcy and they again will notify equifax to report correctly, this has to be an internal problem in equifax to change status and in addittion the other XXXX credit report companies are reporting correctly, the accounts now reporting incorrectly in addition to XXXX are : XXXX XXXX XXXX, XXXX cc XXXX XXXX XXXX, XXXX cc XXXX, XXXX XXXX
Product: Student loan

As if XX/XX/XXXX my loan balance was : {$24000.00}, with no capitalized interest. 

My first monthly payment of {$7100.00}, on XX/XX/XXXX was allocated by Aidvantage as follows : {$6000.00}. -- allocated to principal {$150.00}. -- allocated to interest This amount seems inexplicably high. 

I can not understand how a loan of $ XXXX would accrue that much interest@ 7.3 %, in one month or even two months. 

This appears incorrect to me, so I emailed Aidvantage to ask them to explain. I have received only an automated reply. 

If I'm wrong in my calculations I accept that, but I'd appreciate your help. 

Many thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and I noticed that there were three late payments on my account with XXXX XXXX XXXX that I havent been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX XXXX for the month of XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Product: Credit card

I am diligent about paying on time and have no doubts about it. What confuses me is why this company is reporting late payments for specific months, which is erroneous. XXXX XXXX states that any billing errors should be corrected swiftly.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, XXXX, I sent a wire from my XXXX Bank account for XXXX to XXXX XXXX XXXX. According to the wire instructions, it was to go to a Wells Fargo bank in XXXX XXXX. The wire ended up going to XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. What I learned on XXXX XXXX was that XXXX XXXX XXXX never received the wire. It appears the email correspondence had been compromised by someone else. XXXX XXXX XXXX called the FBI and started an internal investigation. XXXX also called Wells Fargo because XXXX DOES NOT have ANY accounts with Wells Fargo. Wells Fargo confirmed the account that received the money was not in the name of XXXX XXXX XXXX nor any of its officers. Wells Fargo refused to return my money despite this being an apparent violation of anti money laundering laws passed after XXXX. My wire should have been rejected by Wells Fargo as the name of the wire did not match with any name on the receiving account. I called XXXX who closed one investigation but currently has a global investigation open through my local branch manager. I contact XXXX and XXXX in XXXX XXXX who wrote a demand of payment to the Wells Fargo branch in XXXX with no response. I also filed a complaint with the OCC, and the Texas Banking Commission, and IC3. I have a police report and an open investigation with the XXXX County Sheriff 's office. Wells Fargo will not talk to me because I am not the account owner. XXXX XXXX XXXX is willing to share their findings with any federal investigator. Here is the account information of the transfer I was sent. 
Wells Fargo XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account Number : XXXX Routing Number : XXXX Swift : XXXX Here is the transaction number. 



Wire To Wire From Wire Amount Wire Date Transaction Number XXXX XXXX XXXX ( ... XXXX ) PREMIER PLUS CKG ( ... ) {$50000.00} ( USD ) XXXX/XXXX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have submitted two dispute letters one on XX/XX/XXXX and the 2nd of XXXX this year, XXXX. On those disputes, I listed the following accounts and reasons for disputes ; The following account is not mine and has never belonged to me : XXXX XXXX XXXX Opened on XX/XX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The following account is not mine and has never belonged to me : XXXX XX/XX/XXXX XXXX XXXX opened on XX/XX/XXXX Please remove it from my credit report. 

The following account is not mine and has never belonged to me : XX/XX/XXXX account Opened on XX/XX/XXXX and a balance of {$690.00}. 
Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I spoke to XXXX from XXXX XXXX ID number XXXX XXXX payment that was due on XX/XX/XXXX the payment was made on XX/XX/XXXX which wasnt 30 days late. We need the 30 late removed immediately