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

The following Inquiries have left hard inquiries that I did not authorize or was falsely explained to that it would NOT impact my credit. 

-- Was first told it was a soft pull like " utilities '' and then when I tried to talk to someone there when it showed up I was passed around for an hour and then told to just file a dispute with the Credit Companies. 
XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX, CO XXXX ( XXXX ) XXXX-XXXX -- ( three companies same issues on inquiries ) Did not even get or ask for credit from these people. They told me that did it to see if I qualified and couldn't even let me know where they obtained my information XXXX  Inquiry from XX/XX/XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX-1076  XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX-XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX-XXXX -- This company I was talking to about a student loan. Before I finished the application they informed me that I could not defer the loan and I asked to cancel the application. They called me back and said I qualified for a small loan. I asked them later to remove the hard Inquiries and they said that they weren't able to at all. They have TWO hard inquiries. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX-XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX-XXXX - XXXX  XXXX has run my credit three times! I tried signing up for a student loan once when my credit was brand new. I asked them to remove their inquiries and they literally told me that it would take a lawsuit to remove the inquiries (? ) XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX-XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX-XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX-XXXX - I have no idea who this following company is, and they don't even have an address or phone number that I can even call to question their inquiry XXXX, XXXX. 
Inquiry from XXXX XXXX, XXXX -- The company doesn't even have a place that I can contact to dispute the inquiry. 
XXXX XXXX Inquiry from XXXX XXXX, XXXX -- A local bank isn't even allowing me to question the second inquiry when they told me that they were not re-running my credit. And they said I need to call that department to request it removed. And there is no department listed or even anywhere to ask for the service to be looked over. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX -- XXXX Has issued an authorized Credit Pull. I got a card from them almost four months ago and now there is a new credit pull that I did NOT authorize. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX,
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Yesterday, XX/XX/2023 I received a email from a debt collection agency about a book that was apparently owed to a local college bookstore by the name of XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX  The email had my old address which is a HUGE PRIVACY/SECURITY CONCERN and it had a debt amount of XXXX dollars which I DO NOT owe. I have tried to return the book 2 years ago back when the book was due but they told me since it was old and they no longer used that version that I could keep it or go sell it. I have tried to return the book twice since then 2 YEARS AGO. It is insane that 2 years later a debt collector wants to come after me. i want the debt collector to know that I WILL FIGHT THIS AND WILL NOT LET THEM PUT THIS ON MY CREDIT.
Product: Debt collection

Citi Bank/ Home Depot Credit Card , keeps calling and has called everyday, since XXXX. Everyday Sunday through Saturday. 4 to 6 times a day, I have been polite, ask Citi Bank to stop calling. I've explained I'm not working bc of COVID-19, and they continue to call unrelenting, I've answered the phone number and there's nobody to talk too. Then they call my wife 's phone 4 to 6 times a day also.
Product: Student loan

I enrolled in the SAVE plan for my federal student loans. 
As described on the FAFSA website, " If you are in the SAVE forbearance : As described above, XXXX has placed borrowers currently enrolled in the SAVE Plan ( previously known as the Revised Pay As You Earn, or REPAYE, Plan ) into a general forbearance because their servicers are not currently able to bill them at the amount required by a recent court order. Interest will not accrue under this forbearance, which will last until the legal situation changes or servicers are able to send bills to borrowers at the appropriate monthly amount. Furthermore, time spent in this general forbearance will not count for PSLF or IDR forgiveness. '' I am currently accruing interest on my student loans being handled by MOHELA. 
I have received a letter to this effect from MOHELA. 
My loans list the current interest rate at 0 % for all loans. 
I am accruing interest. This is illegal.
Product: Credit card or prepaid card

I got a new credit card with XXXX XXXX XXXX, all is good, but when I went to register my card on the app to make payments, it had me set up an account. It DID NOT just open an account in order for me to view/manage/pay my account balance, it ran my credit AGAIN and added ANOTHER inquiry. I did not otherwise for them to run my credit twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request an investigation from the Experian company for the violation of the law s, FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA. US Court of Appeals, Ninth Circuit, No. XXXX, XXXX XXXX XXXX XXXX. By Defamation, financial Injury. Protection under the FCRA, FCRA Section 623. Injury to your credit report and credit score, FCRA Section 604 ( A ) ( 3 ). The Credit bureaus, " XXXX '', refuse to correct information after being provided proof of inaccuracy, Defamation, willful injury, FCRA Section XXXX XXXX XXXX XXXX XXXX XXXX US Court of Appeals for the Third Circuit Court Case 115 F.3d 220XX/XX/XXXX, Filed ( D.C. No. XXXX ). On XX/XX/XXXX I disputed an account reported by XXXX in the file you maintain under my Social Security number. I was informed on XXXX that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report.
Product: Checking or savings account

For over a week I have been unable to access my account online. This appears to be a widespread issue with Ally. This online-only institution apparently can't manage to keep a website functional. 

Clearing cookies and browsing incognito didn't work for both XXXX and XXXX XXXX, which together make up about 70 % of internet users per statcounter.com. For the past week I receive the following error when attempting to access my account : " An error occurred while processing your request. 
Reference # XXXX '' I contacted Ally a week ago, and again today, and they have no solution or promised fix. I was able to access the account by downloading XXXX and the page properly loaded. XXXX users make up 4 % of the internet market, so this doesn't bode well for the public 's ability to access their accounts for at least a week. 

This is wholly unacceptable for a financial institution whose only means of access is online.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. in addition, the open dates, date of last activities and much more are also incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly which they have failed to do. 

Transunion 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

Currently have student loans that are in loan forgiveness but shows on my report as late. From Equifax, and XXXX no score is available for me since 2019 but Ive been getting denied from lenders due to my score. Ive worked on my score for years and no improvement. Theres something going on with my credit. Please Im requesting an investigation into all bureaus.
Product: Credit card or prepaid card

According to my credit report i have a Sears CC since XXXX ( see information below ), but i don't recall ever opening a cc for this store. I don't really shop at Sears. However, the CC still shows in my report. 

SEARS/CBNA Account # XXXX Balance : {$0.00} Opened : XXXX
Product: Debt collection

CCS Collections is attempting to bill me for allegedly providing vehicle insurance in   XXXX   2015. I have been disputing this issue with them for several months now, and consistently keep getting misled by both   XXXX   and CCS. Initially  XXXX  advised me to send a written statement stating that I sold the vehicle in question and therefore did not need to have it insured during  XXXX  2015. After sending the statement, they switched their story and advised me that the account has been purged from their records and they can not do anything to recall it from CCS. They also proceeded to tell me the account has been sold to CCS. Then, when speaking to CCS, they clarified they are not debt buyers and did not buy the account. I feel like they are just misleading me and trying to confuse me in an attempt to coerce me into paying an invalid debt.
Product: Checking or savings account

Hello, I opened an EZChoice Checking account with M & T Bank. As part of opening the account, I used the promo code QK as an offer to get a {$200.00} bonus for opening the account, with the following requirements. See here for an image of the mailer and even the fine print of the offer : https : XXXX Open a new M & T personal checking account by XXXX XXXX, XXXX with the promotional code QK and receive a sign up bonus of {$200.00} when you do the following : Set up a qualifying direct deposit of {$100.00} or more within 90 days of account opening That is the language from the offer. I confirmed multiple times on calls with customer service reps that my direct deposit from my employer was accepted, and valid. They did n't dispute that I met the direct deposit requirement. 


When I waited 90 days after no bonus posting, and the account still in good standing, the supervisor of the CSR told me that I did n't open up the " correct '' account, and that I had to open up the " MyChoice '' checking account for the promo code QK and NOT the EZChoice Checking. 


Look at the image and the offer! It says ANY checking account, and no where did it specify MyChoice checking. In addition, when I called the previous times to check if I had met the requirements, they said I was fine and I even mentioned the SPECIFIC promo code QK, and they never said I had opened the wrong account. She says there 's " nothing she can do '' even though I explicitly explained all of this to the person. 


This was after 2 calls where specifically I asked if I had met the requirements, and if there was anything that would cause me not to get the bonus. Both CSR 's told me I was set and just to wait. Then when I finally waited the maximum time, I get this response with no proof that I did n't open up the " correct '' checking account, even though there are virtually no differences between the two. ( No material difference in fees or anything )
Product: Credit card

I closed my Capital One credit account recently, and in doing so, I asked for a number to pay the account off in full. I was given a number, paid it, thinking I wouldnt have any further charges, and I was still charged ~ {$400.00} in interest following the requested pay off. By my understanding, when I asked to pay the account off in full, the interest charges should have been calculated to that date. Now Capital One is refusing to wave the interest charges that I believe should have been included in the pay off amount.
Product: Debt collection

My credit report reflects a charge for something that is not mine. I have tried to call the company involved, they refuse to help even though the socials and birth date do not match. They said I have to get in touch with the collection agency, which I have and they refuse to help me as well. I contact the credit bureau, all three of them and filed a dispute 3 times with experian, have so with XXXX and XXXX? The file remains on my report and again this is NOT mine? For some reason they are refusing to remove what is not mine and ruining my credit. 

Again in XXXX alone I have disputed this charge with XXXX three times. 
Called the collection agency. 
Called the company originally involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$230.00} XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

In regards to the following account : WAKEFIELD & ASSOCIATES, Last reported XX/XX/XXXX {$810.00} Open balance XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( 4 yrs, 6 mos ) I had active XXXX XXXX at the time of this treatment and they should have been billed. I am not responsible for the original creditor not doing their due diligence and making sure they bill XXXX for this treatment by simply using my social security number to look it up. This needs to be removed from my credit through all 3 reporting agencies immediately or I will take legal action as it is affecting my ability to move forward in my life as well as gain credit when needed.
Product: Debt collection

I '' m writing to dispute the balance of {$1300.00}. The payment was made on XXXX XXXX through online payment option. The listed amount was ducted from my twice. i notified Synchrony PayPal about the matter. I couldn't get through the automated system for 50min. After getting help a Manger from Synchrony stated : " she would connect me with PayPal, Finial, we are connected and they locate the payment and said it would be resolved. I asked if the account was noted and if I could receive documentation from both parties. I have not received anything. On XX/XX/22 I received a notification of late payment. I spoke with the agent in regards to my account he also admits to seeing the returned and positive payment. This my second attempt sending the supporting information : XXXX XXXX XXXX, XXXX, FL XXXX Please help
Product: Credit reporting or other personal consumer reports

XXXX closed my account then proceeded to to a hard inquiry on me then open up a new account without my consent then closed it because I wasn't useing it its showing negative on my credit report I want it deleted off of my credit report
Product: Debt collection

Reporting To Whom It May Concern, I am filing this complaint to dispute an eviction collection falsely reported under my name by Pro Collect. During the reported eviction period, I resided at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, as verified by the attached notarized letter/lease agreement. I have also filed an FTC identity theft report, which is attached. 

This eviction does not belong to me, and I request that the collection agency and consumer reporting agencies immediately remove it from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XX/XX/year> Last four digits of SSN XXXX
Product: Mortgage

I had previously requested from Freedom Mortgage that my late payment ( paid 34 days late ) be removed from my account and subsequently from the credit bureau. The reason for my request was not to dispute that I made a late payment. Instead, I was hopeful that Freedom Mortgage would consider the reasoning for the late payment and my plea for an opportunity to rebound from the mishap. 

InXX/XX/2019 my husband was laid off from his job unexpectedly from his job. At the time he was laid off, I was XXXX XXXX XXXX. This caused a significant financial difficulties for our household but we continued to make ends meet, and as is evident from my account history, I did not miss a payment during this time. 

OnXX/XX/2019, our first child was XXXX XXXX, and in the whirlwind of events that preceded our son 's arrival, I failed to make our mortgage payment of {$1600.00}, when it was due on XX/XX/2019. I did not ultimately make this payment until XX/XX/2019, which made it 34 days late. 

This late payment appears to have been almost immediately reported to the credit bureau, as I was able to see my credit score plummet significantly thereafter. Through the use of a forecasting program, I was able to determine that if this late payment were removed, my credit score will likely increase at least 60 points. I have NEVER had a late payment reported to the credit bureau in my entire credit history, and was entirely shocked by its effect on my credit score, which I have worked so diligently to maintain. This was especially discouraging because I felt my reason for missing this payment was understandable. What I failed to do was to contact Freedom Mortgage to inform them of what was going on in advance or shortly after the missed payment, which may have ultimately helped my cause. 

On XX/XX/2019, I spoke with an extremely helpful representative at Freedom Mortgage, and I explained my situation. I asked her if she could help me have this late payment removed from my account, and from the credit bureau, in hopes my credit score could bounce back. I explained to her my intentions to re-enroll in the AutoDebit option for my monthly payment, so I can avoid this issue in the future, which I have since done. She advised that I submit my explanation to Freedom Mortgage through their customer service email, in hopes that my request would be considered. This woman was very understanding and I hoped the agency would also extend the same understanding and remove the late payment. 

On XX/XX/2019, I received a letter from Freedom Mortgage indicating they would not remove the late payment, as it was accurate as reported. From the beginning I indicated I was not disputing that it was 34 days late. I am very well aware of that. I am simply looking for some leniency given the situation and my credit history as well as just how negatively this one incident has impacted my score and ability to obtain any future credit. 

For these reasons I have decided to submit a complaint through the CFPB, in hopes that it will be reconsidered by Freedom Mortgage.
Product: Checking or savings account

Dear CFPB, I hope this letter finds you well. I am writing to file a formal complaint against Cash App XXXX regarding the unjust closure of my Cash App account. I recently created this account with the intention of receiving payments from family and friends. However, upon entering my personal information to verify my identity, my account was abruptly and inexplicably closed, citing a violation of the Terms of Service. 

I would like to stress that this was my first experience using the Cash App service, and I have never had any prior accounts with them. Given this, I am firm in my belief that my account closure was made in error, without proper cause, and without allowing me a fair opportunity to rectify any issues that may have arisen.
Product: Student loan

Originally I had my loans through  XXXX   XXXX  and they had set me up with a repayment plan. After a few years of paying I found out they had set me up with an interest only payment. Being a young student and a  XXXX   XXXX  I thought they had setup a repayment plan just like a car, so I had setup an automatic payment. To find out that the {$500.00} a month I was paying was just interest alone and my interest rate was over 10 %. When I called about being in the military they said I did not qualify to get a military interest rate even though I spent 6 years and several months in  XXXX  back in  XXXX . I finished school in  XXXX  and not knowing well they placed me on a new repayment plan after trying to decrease my interest. They did decrease my monthly payments but now I will be in debt with them until  XXXX . Now from time to time I login and find I do n't have a payment due then I receive an email saying I have a payment due. Their system is not accurate. Being young and not understanding I trusted my school. Now understanding better, I will end up having to pay them ov er 2 to 3 times what my classes cost me for all their fees and interest charges. Can anything be done to assist?