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

To Whom It May Concern, I am a victim of identity theft a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence.
Product: Debt collection

Filed a dispute with XXXX in regards to account # XXXX. Convergent Outsourcing fraudulently verified this account as accurate on XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the unsuccessful outcome of my second attempt to remove fraudulent items from my credit file. Despite providing comprehensive documentation and following the prescribed dispute procedures, the fraudulent entries persist on my credit report, creating substantial financial and personal challenges. 

I am deeply distressed that, despite my sincere efforts and adherence to the required procedures, the fraudulent items persist on my credit report. This ongoing issue is not only detrimental to my financial standing but also poses a threat to my overall well-being. 

I kindly request the following actions : A thorough and expedited reevaluation of the documentation provided in support of the dispute. 
Immediate removal of the inaccuracies associated with the fraudulent items from my credit file. 
Transparent communication outlining the resolution process and the steps taken to rectify this matter. 
Attached, please find copies of the supporting documentation for your reference during the investigation. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$7500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$7500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above mentioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.
Product: Student loan

On XXXX XXXX I filed my school misconduct form to allow my private loans to be discharged from Navient. My federal loans were discharged on XX/XX/XXXX due to the Department of Education announcing that XXXX XXXX which I attended and received loans from Navient to attend had engaged in widespread misconduct that violated consumer protection laws under the borrower defense regulations. I have attached documentation supporting this as well. My private loans should be discharged under the same circumstances as the federal loans based off all documentation and rulings from the department of education.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I HAD A LIEN PLACED ON MY HOME DUE TO OWING TAXES TO THE STATE OF MICHIGAN, WHICH SINCE HAS BEEN RELEASED XX/XX/XXXX .... PAID IT IN FULL WITH MY REFUND, ALSO RECEIVED A LETTER STATING THE LIEN WAS IN FACT PAID IN FULL IN THE MAIL. 
THE CREDIT BUREAU ( S ) NEED TO UPDATE AND I AM SURE THIS WILL HELP MY CREDIT SCORE. THANK YOU FOR ALL YOUR HELP THIS IS A WONDERFUL VERY HELPFUL SITE, I AM SURE YOU ARE HELPING MANY!! 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

Cash is allowing unauthorized payments to be taken out without the proper funds in the account, I have to keep my card locked in order to make sure the money is not being taken out.
Product: Mortgage

I paid my mortgage on time for years. After my escrow amount was increased last year, I inadvertently failed to pay the new total, instead paying the former amount less the increased escrow for a couple months. Suntrust notified me after several months, and I paid the outstanding balance that the bank told me was due. But a few months later, Suntrust stopped accepting my payments and told me that I still owed a balance, and that I now owe a debt to the bank. It has not sent me a payment history or offered any proof of defaults. I have paid my new balance - principal, interest, escrow - in full since I paid off the outstanding balance, and Suntrust is illegally hurting my credit by trying to collect on a non-existent debt.
Product: Bank account or service

I am a male. My husband and I are both males. We both recently applied for a credit card from discover. 
Shortly after we received a phone call from one of their representatives. 
After confirming my information he said that i was approved for a credit card. 
Then i asked him to check my husband 's application status. 
He said that he wants to talk to " HER ''. I repeated that he is my husband and that he 's a male. 
Then he asked to talk to my " WIFE ''. I repeated again that he is a male. 
After that he said " Oh boy! '' I asked him twice : " Did you just say that? ", He did n't answer. 
He asked his name and he said that he ca n't understand me and he wants him to call the same phone number back and talk to someone else. 
I was shocked that this kind of discrimination can happen at such a big company like discover especially on our first day of our business relationship. 
I called his supervisor to complain about his behavior. I was able to record that call. After a couple of hours she left me a voice mail confirming the whole situation and she said that the person is just going to be reprimanded and trained. 
I called her and asked to cancel my credit card. She said that she can try to do so and will call me back the same day. She never called back. 
I 'm so upset with Discover especially after they still want to have a homophobic employee working for them after " training ''. 
This situation is horrific and not acceptable.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I was scammed on XXXX through the hackers impersonating my friend on that app. He convinced me to work with this crypto broker named XXXX XXXX. Contacted her she promised to send me {$10000.00} by investing {$1400.00} with her and then her XXXX would contact me and send me my money. He called me and told me to have the companys email on my XXXX and send testimonial videos of me claiming I got the money. Once I did that his number hung up on me and was locked out of my XXXX account. The next day my XXXX account started doing the same thing that happened to my friends account and hitting up people to invest with this person XXXX XXXX.
Product: Credit card or prepaid card

I work in XXXX XXXX XXXX. Often, landlord 's buy gift cards and give them to agents as an incentive to tour buildings, vacant spaces. They give us the gift cards, and we can use the funds to buy groceries, gas, etc. 

I toured a building and the landlord provided me a {$50.00} gift card through VanillaGift.com. The card does not work, it will not allow me to make purchases. I called customer service, they requested digital copies of my Drivers License. I felt uncomfortable with providing this information as I received the card as a gift. 

I requested my call to be elevated to a supervisor. Once on the line with the supervisor I explained the situations. During our call he randomly said I can not hear you, multiple times I told him I could hear him just fine. He said he could not hear me an hung up. 

Here is the company info : # XXXX Ref # XXXX I believe this company is selling gift cards and then making the use of the cards unreasonable on consumers, effectively keeping their money by making it too hard for the consumers to use.
Product: Student loan

I am a XXXX working for a community mental health center that is funded by county government. I have been in this position for 8 years. I should be eligible for the public service loan forgiveness program. When the program began I contacted my servicer, XXXX XXXX, now Navient, and enrolled in an IBR plan in order to start making the XXXX payments needed to take advantage the the PSLF program. I was told that I would just start making payments, and that nothing could be done to certify or ensure PLSF participation until the payments were completed. I did not learn until this year that I should have been told to re-consolidate my loans so that they are the proper type to take advantage of PSLF. As a result 8 years of payments that I intended to count towards the required XXXX do not, and I have to start from the beginning.
Product: Money transfer, virtual currency, or money service

I sent money to myself in XXXX and Western Union is refusing to provide any documentation on when my money will ever be available and will not refund my money.
Product: Debt collection

Told me the only way to start paperless is to use the internet care credit.com and the minimum payment box is the box that collected the wrong debt amount. When I called care credit on XXXX at XXXX pm., I was told that {$140.00} extra will be collected for checking the minimum payment box feature or debt amount feature.
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports and notice that It's 2 late payments on an account that I was never late for the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their abilities with maximum accuracy. I have never been late on payments for the account that I have included screenshot inside the complaint in on dates of XX/XX/XXXXXXXX  XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks. Please see screenshot attached
Product: Checking or savings account

I opened an account with US Bank in XX/XX/XXXX. They promised me a bonus, and a set of free checks. I did not receive either of these promos because : XXXX. Even though I applied to open the account during the promo period, US Bank did not actually open. my account till after the promo had ended. 
XXXX. I signed up for checks because they promised me free checks at account opening, but when they actually opened my account they charged me {$38.00} for the checks. I never recieved these checks. They also said that since these are " electronic '' checks so no actual goods will be ever sent. 

In XX/XX/XXXX, after trying multiple times to get US Bank to honor the promotions, I was exhausted and asked them to close my account and send me my balance. 
They promised they sent me a check but I never received it, even though the address I provided them is correct. 
Fast forward to XX/XX/XXXX, I can not get a timeline on when I can expect my refund. They also want me to sign some papers before I can get my refund but they won't send me the papers I am supposed to sign.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I went to Experian to check my credit score using my registered email and updated password. I was a former Executor of my deceased mother in XXXX. Her account came up as my account with my password and pin. My mothers account needs to be deleted and my account needs to be corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I mailed a certified dispute letter to VANCE AND HUFFMAN LLC and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/2021 I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over XXXX complaints on XXXX  they also have over 100 complaints with the CFPB. VANCE AND HUFFMAN LLC has failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Product: Student loan

I am writing in reference to a problem I am having with my student loan servicer Nelnet. 
They are servicing some Federal ParentPlus loans I took out when my kids were attending college. 
These are all fixed interest rate loans totaling {$120000.00}. 
The crux of the problem is that the second to the last payment I made was in XX/XX/XXXX for {$1600.00}. There was a natural disaster forbearance that eliminated payments for XXXX and XX/XX/XXXX and for XX/XX/XXXX. 
Payments resumed in XX/XX/XXXX. 

The problem is that suddenly they have increased my monthly payment to {$1900.00}. This is an increase of {$340.00} or 21 %. 
At an annual interest rate of 7 % on {$120000.00} a 3 month forbearance would have added {$2100.00} onto the loan balance, an increase of 1.75 % The increase of 21 % they made is completely unjustified. Their response is vague and ambiguous and contains no concrete numerical justification for a 21 % increase. This complaint is tied to complaint XXXX which was closed. The previous complaint should not have been closed as the loan servicer failed to justify the magnitude of the increase. 
Do I need to spend money I don't have to hire a lawyer to hold these people accountable? That is what I thought the CFPB was supposed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX  Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/XXXX I recieved my report from the company ChexSystems. On this report I discovered many errors, 23 to be exact. Some of the errors were with inaccurate names and addresses they were reporting, some were with the companies they have listed as inquiries, companies that I've never even heard of let alone gave my permission to. And there were also several errors in a section titled " Additional Information '' where they're inaccurately reporting things like liens, property owned and evictions on me that are down right FALSE, they are lies. 
So on XX/XX/XXXX I wrote them a highly detailed dispute letter going over each and every item that was being inaccurately reported on me. Then on XX/XX/XXXX I received another report from them in reply to my dispute letter and all but 3 things ( company inquireries ) still remain on my report. They claim " XXXX '' told them the information was accurate therefore its remaining on my report. They gave no validation whatso ever on this information they're reporting on me. They are a consumer reporting agency and must act within the laws set forth in the FCRA, but they ARE NOT. I clearly stated to them in my dispute letter that I was requesting full and legal validation on the disputed information as well as exercising my right to the removal of any and all items they can not provide legal validation on to me. They refused to provide me with any validation and also refused to remove this inaccurate information. Nor would they give me the oppertunity to make a statement for record on their report, they've denied me of all my rights, and are breaking the law.
Product: Debt collection

I have been requesting, since XX/XX/2021, verification of this alleged debt that this agency claim I owe and which they are reporting on my credit files. However, they have failed to obtain and send me legal verification as mandated by the law. Furthermore, I have requested verification and validation, several times, directly through each of the XXXX XXXX XXXX and each time they have reported that they electronically verified the accuracy of these alleged claims through their automated systems, yet you failed to do so for me... why is that. Thus, they have failed to cease collection activity until verification of debt has been made by continuing to report inaccurate and unverifiable information to these XXXX XXXX XXXX as prohibited by the Fair Credit Reporting Act. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law.
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX I was informed by my mother and sister in law that my son needed money and where to send it. It was late in the afternoon so i went to the bank talked to a representative and she wired 3,500 dollars to the address that my sister in law was told .all before they close. I went to my moms to let her know that i made the transaction.and upon talking to this person that was requesting it I realized that it was a scam and quickly went back to the bank so that they can stop it. While at the bank i was talking to this person over the phone so i know that he had not went to pick it up. I requested that they put a stop on it and let the bank that it was sent to know so it could not be picked up, .What the bank told me is that everything is done with software. they inform the bank and wait for a response from them. there was no way to stop this in real time.. 4 days later they cant even tell me if the funds were released or not If that is there system for handling this type of problem it needs to be updated. They also told me that scamming people is not fraud..I also believed that we were protected under FICA. they advertise that we are protected from fraud and this was fraud.I know that if something was done like contacting the receiving bank at the time i reported it would have stopped it in time. It did not seem like much of an effort was done to resolve this, Hopefully i can get some answers and my money back.I have worked hard to save that up., thank you I have also filed a police report with the county police department which will not be released. It takes 6 to 10 days.
Product: Credit reporting or other personal consumer reports

For the past 12 months Transunion has been asked to resolve credit issues within my personal report. With each request they have failed or lied about attempts to resolve issue. Transunion has received multiple copes of the false information being deleted and have withheld the information when running disputes. Transunion has been caught doing this as they previously wrote a statement saying 3 accounts were at FCRA standard and had no issues then post dispute removed those accounts. Transunions discrimination and racism has let to me not being able to move locations of living because they have reported false information. Even when provided with a corrected XXXX credit file Transunion has continued their prejudice and racism to side with companies they seem to be obligated to. When called Transunion stated it is not are job to review the information And went on to say its a companies job to solve the issues. Transunion is the only company failing to report accurately on a regular basis and violating consumer rights whenever asked to resolve issue. Transunion has not accepted disputes and has updated files that should be deleted. Transunion has made mistakes for the last 12 months and should be held liable for any compensation required moving forward
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing this complaint after reaching out to the lenders to correct incorrect information on my credit reports. I also want to complain that these companies are not following the mandates as set by the Cares Act for fair reporting. The accounts in question are with XXXX XXXX, XXXX ( XXXX ), and XXXX XXXX XXXX. These accounts have inaccurate information across all XXXX major credit bureaus. Ive sent letters to the bureaus to dispute these inaccuracies as my right to do so as stated in 15 U.S.C section 1681 i ( a ). In addition, these accounts fell delinquent in 2020 during the COVID pandemic. Accommodations and communications were made with each of these lenders. All accounts are now paid as agreed but past delinquencies are still reported on my consumer reporting. It is my understanding that according to Cares Act, if accommodations have been made and accounts are current. All delinquencies from XX/XX/2020 should be reported as current. My resolution is that all these delinquencies be removed from these accounts that fit this criteria. 

The file attached comes from the XXXX website about credit Reporting under the Cares Act