23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XXXX I was scammed into investing with a real estate/entrepreneur money making scheme called the XXXX XXXX XXXX method. This company is known as XXXX XXXX and enticed individuals to open credit card accounts to pay for their educational services. On XX/XX/XXXX the Federal Trade Commission issued Stipulated Order for Permanent Injunction and Monetary Judgement 2:19-CV-00713-DAK-DAO, IT IS ORDERED that the Corporate Defendants and Individual Defendants are permanently restrained and enjoined from advertising, marketing, distributing, promoting, offering for sale, or selling, or assisting in the advertising, marketing, distributing, promoting, offering for sale, or selling, of any Real Estate Coaching Program or any Business Coaching Program. The permanent injunction is attached. 

XXXX XXXX assisted and enticed me to open this account and charged me for their services which were deemed fraudulent by the Federal Trade Commission. I've attempted to contact to resolve this issue with JP Morgan Chase Bank with no assistance from them. Countless hours have been spent trying to remediate the fraudulent charges but they do not agree. This has severely affected my Credit Score. 

I request XXXX XXXX  XXXX dissolve all charges that were charged to me for services I never received from XXXX XXXX and were deemed fraudulent by the Federal Trade Commission. 

JP Morgan Chase Bank previously made the statements in their initial responses that " You received benefit from this transaction " which is a false statement. I never received any benefits from the " Educational Services '' charges in any form. The company XXXX XXXX was shut down by the Federal Trade Commission. 

In total I was charged approximately {$60000.00} spanning multiple credit cards which were opened by a 3rd party company and charged. In XXXX XXXX XXXX I received a settlement check for approximately {$4500.00} which is nowhere near the amount I was charged. I'm requesting JP Morgan Chase Bank to file a claim against XXXX XXXX and it's defendants through the Federal Trade Commission and dissolve me from these fraudulent charges and update the change to every credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account with XXXX XXXX XXXX  account # XXXX ending in XXXX is closed and charged off. There should be no DELIQUENCY AFTER A CLOSED DATE ... ..So how is this ever late or past due? On any of these reports. I have provided proof and documents that this has been reporting inaccurately for months. I have been disputing it mulitple times not only with the creditor but with the credit reporting agencies and they have come back and said they have verified that this is accurate but not addressing the concerns of the disputes. Well i do have rights and according to FCRA 623 Duty of Furnishers of Information to Provide Accurate Information at all times. This has not been the case for me concerning this account with XXXX and Equifax. Please see attached inaccuracies with mulitple request of disputes to verify the information that was provided by the creditor. 
how was 34 payments received on a 4 month term loan? 
How is there a payment amount due? 
why are there 3 different amounts on all different bureaus? 
why is this charged off and closed and past due at the same time? 

This has caused me so many issues in the last year that i cant express how thankful i am to finally get help with one bureau, now can you assist with the illegal activity that is being done with the others.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries reported wrong on my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

XX/XX/19: Complainant receives email from mortgage company to reach out regarding loan, responds that credit is hurt and will not run credit at the moment, is told no credit check required and instant savings, calls and discusses with XXXX XXXX of Freedom mortgage. After call, and confirmation that no credit would be checked and no cash to close would be required, Company requests documents. XX/XX/19: Complainant receives email confirming loan has been approved and to schedule signing of loan disclosure. XX/XX/19: appointment was made with notary and Complainant was told to hold XXXX payment and XXXX  and first payment would be XXXX. XX/XX/19: notary was met for signing of loan disclosure, where numbers were inflated from what was discussed. Emails state no credit check and instant savings. Loan Disclosure was processed with $XXXX added to monthly payment and a cash to close of $XXXX. Complainant called and emailed same day to discuss inflated prices. XX/XX/19: Complainant emailed and requested status of revised documentation. Also stated that there was a concern that payment was told to be held and reporting as delinquent would not be satisfactory. XX/XX/19: provided time to communicate regarding flawed processingXX/XX/19: requested second statusXX/XX/19: alert was received that Complainants credit was impacted for a reporting of past due payment, Complainant immediately paid XXXX  payment, sent email to file complaintXX/XX/19: XXXX payment was made to prevent another hit to credit XX/XX/19: resent duplicate email to state payment was madeXX/XX/19: email received from VP of Ops to state issue was escalated and he submitted check to refund XXXX   payment due to the errors in processingXX/XX/19: VM received to state loan was in final stages of closing and to sign soon as to have application closed by XX/XX/19 XX/XX/19: emailed VP to state VM was received but there was no longer an interest in refinancing. VP requested emails of previous Communications as to pull calls and review for discrepancies.XX/XX/XXXX email received from VP that everything was corrected on his end and that he has an offer that will be in my best interest. Complainant reviewed credit report and still saw multiple damages incurred by Freedom Mortgage. In addition, Freedom Mortgage increased total value of loan without communicating or allowing borrower to prepare or agree/accept.  Email sent with screenshots and requests for action. Email copied sml.texas.gov. VP made no efforts to investigate or be proactive. Besides offer of great rates and savings on a new loan, no other effort was made on behalf of Freedom Mortgage. XX/XX/19: received correspondence to redirect complaint from government agency copied to communication to file actual report against mortgage company. XX/XX/19 Complainant received document in mail that loan was considered for hardship and to contact number listed and relay mortgage ID number. XX/XX/19 Complainant emailed VP of Ops to confirm legitimacy of referral program.
Product: Credit reporting or other personal consumer reports

I am writing to officially report multiple unauthorized credit inquiries that appear on my credit report from the credit reporting agencies XXXX and XXXX. I did not authorize any of these inquiries, and I believe that they might have been conducted without my consent or knowledge. 

The unauthorized credit inquiries are as follows : XXXX. XXXX XXXX, XXXX  XXXX XXXX on XX/XX/2023 from XXXX XXXX. XXXXXXXX XXXX  XXXX, XXXX  XXXX XXXX on XX/XX/2023 from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/2023 from XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/2023 from XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX on XX/XX/2023 from XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 from XXXX To reiterate, none of these inquiries were authorized by me, and I never submitted any application or request that would have warranted these hard pulls on my credit report. Such inquiries not only impact my credit score but also make me concerned about the potential misuse of my personal information or identity theft. 

I have taken the proactive step of reaching out to each of the above-listed companies and institutions to clarify the situation and understand the basis of these unauthorized inquiries. However, as I await their respective responses, I believe it's imperative to notify the Consumer Financial Protection Bureau ( CFPB ) to ensure the integrity of my credit report and to prevent potential fraudulent activities in the future. 
Given the above, I respectfully request the CFPB to undertake the following actions : 1. **Investigation : ** Please conduct a thorough investigation into the unauthorized inquiries listed above. I am keen to understand how and why these inquiries were made without my explicit consent.

2. **Removal of Inquiries : ** Once the investigation confirms that these inquiries were unauthorized, I urge the CFPB to facilitate their removal from my credit report promptly. Such unauthorized inquiries can adversely affect my credit score, which can have broader ramifications for my financial well-being.

3. **Identity Theft Safeguards : ** I would appreciate guidance from the CFPB regarding additional steps I can take to protect myself from potential identity theft or any other fraudulent activities that may arise from this situation.

4. **Notification to Credit Reporting Agencies : ** I kindly request the CFPB to notify the relevant credit reporting agencies ( XXXX and XXXX XXXX about this matter, urging them to rectify any inaccuracies resulting from these unauthorized inquiries. 

In conclusion, while I understand that credit inquiries are a standard part of financial processes, it is deeply unsettling to find unauthorized ones on my credit report. I trust the CFPB 's commitment to safeguarding consumers ' rights and ensuring the accuracy and integrity of credit reports. Your immediate attention to this matter will be highly appreciated.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Wells Fargo cheated me out if money when I banked with them
Product: Student loan

Last year ( XX/XX/XXXX ), I called my student loan servicer -- Edfinancial Services to apply for the Saving on a Valuable Education ( SAVE ) plan. After the call, I trusted that I was successfully enrolled in the SAVE plan as that is what the person said. I also asked if there was anything else I need to do and the person from Edfinancial said that there was nothing else that needs to be done. I thanked the person and hung up the phone. 

After around 9 months ( on XX/XX/XXXX ), I was wondering why the total loan showing on my online account was higher than what I was expecting it to be. So, I called EdFinancial and learned that I was not actually enrolled in the SAVE plan. I would not have found this out had I not called them. They said they called me last year ( on XXXX XXXX, XXXX ) and left a voicemail. I did not receive any voicemail. 

Edfinancial gave me inaccurate information by telling me I was enrolled in the SAVE plan and that there was nothing else that needs to be done on my end. They were also negligent as when they found out that I was not succesfully enrolled in the SAVE plan like they said I was, they made one phone call to try to reach me. They said they left a voicemail but I think that is not true because I did receive a voicemail from them about this. They did not even sent any written communication ( e-mail or mail ) to let me know what is happening.

Because of the untrue information given to me and the negligence of Edfinancial Services, my student loan accrued an interest of around {$4000.00} dollars. That amount would not have accumulated had Edfinancial given me correct information about my enrollment in the SAVE plan or if they been diligent in trying to remedy the situation upon finding out that they made a mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not yet approached the company about this as I hadn't the time as of yet but we will get around to it before the week ends. As is our long time personal experience with this this company, they are difficult to deal with at best so we thought it was best to deal with this simultaneously. 
The mortgage loan was placed on a forbearance for the Pandemic, as many people were doing with mortgages. I was forced to take a cut in salary for a few months as many were if they didn't outright lose their jobs and my wife is on XXXX. We were technically on one income. 
We went into it in XXXX of 2020. We were on it for over a year and a half as we were granted a few extensions etc. When it was time to go back to paying we had a very hard time as this company refused to give us a straight answer on what our payment was going to be. We finally got back on track after a lot of negotiating and back and forth and agreed to terms, accepting the modification. At no time during all of this were we informed by this company that we were going to considered late and marked late on my credit report. Never did we expect this. We were on a forbearance. Period. Hardship that was approved. We just pulled my credit report as I was denied a modest personal loan and discovered that this company actually had me marked late. They marred my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to dispute these medical bills 7 times in the past 2 years. For 4 years Ive recieved state food and health benefits because my mom is XXXX and i am also unemployed.. my XXXX XXXX XXXX XXXX insurance covers the treatment i recieved on ALL the bills associated with americollect. These negative inquiries on my report have been invalid for years. The poor credit score im condemned to, is a misrepresentation of me and my credit worthiness.
Product: Student loan

I have a large consolidated student loan with XXXX  for which I have been paying monthly installments under the Income Based Repayment plan since consolidating my loan with XXXX. Periodically I recertify my income. My monthly payments have always been between {$250.00} and {$300.00} a month. I placed my account on auto-pay from my checking account so as to avoid delinquencies and to pay on time every month. I can not afford payments significantly above this. Because of a one month lapse in my income recertification XXXX  placed me on a default repayment plan. I was horrified to log into my checking account and find that my student loan repayment jumped from {$270.00} on XX/XX/XXXX to {$2600.00} on XX/XX/XXXX representing a payment removed from my checking account of nearly 10X by normal monthly payment! This amount substantially wiped out my checking account placing me under severe financial strain with the possibility of not being able to make my rent. When I called XXXX  they said there was no way to return the money to my checking and that I had to dispute the issue with my bank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Experian Dispute Information Center To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX PA, XXXX There should only be one address listed on my report, which XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX also noticed that my name appears to be misspelled on my credit report . My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are more incorrect on you report, please remove from my credit report Please remove inaccurate employers as well as listed below:1. Restaurant XXXX XXXX XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report.Thank you XXXX XXXX XXXX
Product: Debt collection

I made this personal loan with XXXX in GA, back in XXXX, this was sold to a collection company named CACH , LLC. The last time I made payments to this account was in XXXX, then I lost my job and tried to pay it off i. XXXX, but the company didn't want to settle for what i had then which was {$5000.00}, later on in XXXX i offered them {$6000.00} and yet again they didn't accept it. They now are reporting this account with a balance of over {$8000.00} and with an open date as of XX/XX/XXXX! I was unemployed from XXXX until the XXXX when I moved out from GA. They're violating the fair credit reporting act, as well as they're ruining my credit to say the least. I have never received an official letter from them with a validation of this debt or any other document with my signature on it, is not fair they can manipulate the system the way they do it to get away with their unfair practices to ruin people 's lives and just for what? To make a few bucks! I demand for them to stop reporting this account, and to fix my credit, to close it and erase it from my history.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The company put this on my credit without consulting me or trying to see if it was my debt. I called them and asked and they said it was from a XXXX account I had. But it was not my debt and I asked for them to show me. I even called XXXX and they said the account never showed under my name to so they were unsure what was going on. So they removed it from credit and then put it right back on there!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681 I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX - XXXX XXXX XXXX
Product: Debt collection

I had an online payday loan from XXXX XXXX for XXXX. My payback was for XXXX. My personal information was given to a third party agency without my permission. I did not authorize my information from XXXX to be given to a creditor ( AD Astra Revovery Services , Inc. ). I could no longer contact XXXX about my account because it was sold to a creditor without my permission. My rights were violated by both XXXX and Ad Astra Recovery Services, inc.
Product: Credit card or prepaid card

For the past XXXX  years I have been paying for a " Credit life insurance fee '' plan on my best buy credit card without knowing. The charge shows up as XXXX on my statement. The amount charged each month also varies from month to month, sometimes its XXXX XXXX, other times its {$20.00}, XXXX, XXXX etc.They say I clicked a box when I applied for the best buy credit card that enrolled me. I don't recall signing up for any service. I was in the Best Buy store when I applied for their credit card, and just filled out my info and signed my name in person, I don't recall clicking any box for services nor have I done any such thing before for any of my other credit cards.