23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam : While checking my most recent credit report, I noticed Fraudulent credit Inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 US.C. 1681n ], Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX
Product: Credit card

Urgent Request for Correction of Credit Report Information Dear XXXX, XXXX, and XXXX Customer Service, I hope this letter finds you well. I am writing to bring to your attention significant concerns regarding the accuracy of information on my credit report associated with my account with INDIGO XXXX BANK. Upon careful review, it has come to my attention that there are violations of federal laws, specifically 15 U.S.C. 1666 ( b ), 15 U.S.C. 1611 ( 1 ), 15 U.S. Code 1681n, and 15 U.S. Code 1681s-2. These laws emphasize the importance of accurate reporting and fair practices in the credit industry. I am particularly concerned about the violation of 15 U.S.C. 1666 ( b ), which explicitly states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This provision underscores the critical importance of ensuring that payments are not erroneously treated as late. The absence of a robust system to confirm whether I am receiving statements, whether in paper or electronic form, raises questions about compliance with this federal law. By failing to adopt reasonable procedures to verify the receipt of billing statements, there is a risk of treating payments as late, directly contradicting the mandate of 15 U.S.C. 1666 ( b ). Furthermore, the disregard for 15 U.S.C. 1611 ( 1 ), which prohibits the furnishing of false or inaccurate information, is troubling. The lack of a reliable verification process regarding the receipt of billing statements calls into question the accuracy of the information reported, especially concerning late payments. Considering the gravity of these violations under 15 U.S.C. 1681n, which addresses willful non-compliance with federal law, I request that immediate steps be taken to ensure the accuracy of information reported to consumer reporting agencies. I also draw your attention to 15 U.S. Code 1681s-2, which mandates furnishers of information to provide accurate and complete information. It is crucial that INDIGO XXXX BANK complies with these obligations to rectify any potential adverse impact on my credit history. In light of the concerns raised, I kindly request that my account status be promptly reviewed and updated to paid as agreed. I believe this corrective action is necessary to align with the aforementioned federal laws and to ensure the accurate representation of my payment history. Your prompt attention to this matter is crucial, and I trust that XXXX, XXXX, and XXXX will take the necessary steps to address and rectify any potential inaccuracies in my credit report. I appreciate your cooperation in resolving this matter promptly. Done in good faith.
Product: Debt collection

A person used my identification to visit several hospitals to try to get pain medication. A police report has been filed in XXXX to where the matters supposedly occurred. It is an amount of XXXX dollars from XXXX XXXX XXXX. The collection company is Wakefield and associates. I need this item removed immediately
Product: Student loan

My balance should  be less than $9,000 they charge me the wrong interest. They have not resolve this matter.        Great lakes and XXXX college XXXX XXXX XXXX                                                                    The begin and end dates for all terms.
The enrollment status during each term as either half-time or full-time. Please note, we cannot accept part-time as a valid status.
An authorized officials name, title, signature and signature date.
 
This documentation can be returned by email to the address listed below, uploaded through the forms section of your mygreatlakes.org online account, faxed to telephone number XXXX, or mailed to:
 
Great Lakes Borrower Services XXXX XXXX XXXX XXXX, WI XXXX  
Upon receipt of at least half-time certified enrollment verification from your school, your request for deferment will be evaluated, and you will be advised of any change to the status of your account. If necessary, the deferment will be applied retroactively to the date you began attending at least half time, as provided by your school.
 
We hope the information provided is helpful. If you have additional questions or concerns, please contact our Borrower Services Department by telephone at XXXX XXXX (Please note that some calls may be monitored or recorded for quality assurance purposes), or by email at XXXX.
 
Sincerely,
 
Complaint Resolution Team
 
 
 
 
 
 Original Message  From: "XXXX XXXX"  Received: XX/XX/XXXX XXXX XXXX CST To: "Great Lakes Borrower Services"  Subject: RE: School and financial aid : I'm currently in school or going back to school, and I want to know why I'm getting billed
The did already 
 
On XXXX XXXX, XXXX XXXX XXXX, "Great Lakes Borrower Services"  wrote:
 
 
Hi XXXX,
 
Thank you for your recent email.
 
If you were still attending school as of XX/XX/XXXX. Please have your school send us a complete enrollment history, which should include all of the following:
         The beginning and end date for all terms (month/day/year).
         Your status during each term, specified as either a full or half-time student (we cannot accept part-time).
         The name, title and signature of an authorized school official.
If you still have any outstanding questions or concerns, please do not hesitate to contact us.
 
Sincerely,
 
XXXX
 
 
Borrower Services Department Great Lakes Educational Loan Services, Inc. [XXXX XXXX|tel:XXXX] or [XXXX XXXX|tel:(XXXX] TTY XXXX Monday  Friday XXXX XXXX XXXX XXXX. Central time
 
Residents of CA, CT, DC, IA, MI, NC, OR, and VT: Under the law of these states, Great Lakes Educational Loan Services, Inc
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX and TRANSUNION i have uploaded my FTC report with letter and ID they have ignored my dispute by saying i need all creditors to send me a letter who all declined to do so. I have sworn fraud and ALL NON HOLDING ACCOUNT INQUIRIES ARE FRAUD On ( date ) you placed an inquiry on my credit report. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit.

Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for ( credit, insurance, employment or other services ) with your company.

This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law by performing a hard inquiry on my credit file without my permission.

To resolve this matter please remove the inquiry from my credit report within ten ( 10 ) business days of the date of this letter in addition to forwarding me documentation that the unauthorized inquiry has been removed.

If the illegal credit inquiry is not deleted I shall be forced to seek legal action which may include but is not limited to paying me the civil liability fine, punitive damages for the decrease in my credit score, plus court and attorney fees.

If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this.
Product: Payday loan, title loan, personal loan, or advance loan

I have a charge of on my credit report that shows incorrect information. I never received 1099 abbout this account so that information is incorrect since it can not show a balance on my credit report
Product: Credit card

Someone tried to open a Discover it chrome card credit card in my name. Discover denied the application.
Product: Credit reporting, credit repair services, or other personal consumer reports

My federal student loans were transferred from XXXX XXXX  to XXXX. Equifax instead of showing the original XXXX XXXX  accounts as closed, just doubled my student loan amount instead and added the XXXX  accounts without closing the original XXXX XXXX Accounts. I attempted to dispute this information on XX/XX/2023 with Equifax but they did not change the information to accurately reflect the account status after investigation. All of my other credit reports are properly showing my true student loan balance, and my former federal government loan provider ( XXXX XXXX ) has told me theres nothing they can do to update Equifax again. 

Confirmation # of Dispute filed with Equifax about duplicate amounts showing on federal loans : XXXX
Product: Money transfer, virtual currency, or money service

I have had multiple denials from fraudulent activity with cash app. They will not refund me. I have attached a letter to the ombudsman. Please let me know if you need anything else. Thank you for your time. XXXX XXXX
Product: Student loan

I have several federal student loans through MOHELA that they continue to have an error with that will not allow me to make payments. I have spoken with MOHELA a minimum of four times about this issue. What occurs is I go in and make a payment through their website. The payment is pending for several days and disappears. I have tried re-entering my banking information. The only way to make a payment with them is over the phone. Every time I speak with them, they think they have resolved the issue, only for the next month to come around and I have to go through the same process again. The other issue with the whole process is their insanely long hold times on the phone. I am just trying to pay my students loans, and at this point I have spent no less than 7 hours on the phone with them for just three payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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 COMPANY DOES NOT HAVE MY AUTHORIZATION. COMPANY NEEDS TO DELETE THEIR REPORTING ON MY CREDIT REPORT.
Product: Credit card or prepaid card

This has been ongoing with Bluebird American Express, which is a prepaid card through American Express. I have had this card since XXXX and have never had a problem with this card until the past 12 months or so. The problem with Bluebird American Express has resulted in me making numerous phone calls to them about them taking excessive amounts of money, most times allotted for other pending transactions and Bluebird American Express customer services getting smart with me, the customer, because they can and no one is monitoring or controlling their conduct. Recently, on XX/XX/2020, I made a purchase of {$82.00} and Bluebird American Express deducted {$89.00}. Again, this has been an ongoing problem with numerous instances of them continue doing this with 90 % of the transactions on my prepaid card with them. Another example is the transaction dated XX/XX/2020, with XXXX XXXX 's XXXX XXXX for XXXX. I had a balance of {$77.00} which was more than enough to cover the {$71.00} balance for the transaction. Bluebird American Express took it again upon themselves to deduct the entire {$77.00} balance for XXXX XXXX  's XXXX XXXX. When I contacted Bluebird American Express about this practice on an earlier date, Customer Service told me that they were instructed to take out extra money by XXXX. When I contacted XXXX, they informed me that they have never asked Bluebird American Express to take out more than the amount of the transaction, which means that Bluebird American Express has been lying to me and potentially other customers. Secondly, when I addressed this situation again on XX/XX/2020, with Customer Service, they attempted to explain their practice, which has no excuse. As I explained to Customer Service, their practice of taking out more than the amount of the transaction is potentially causing customer 's transactions not to clear. Finally, I informed Customer Service that I have received no email or document stating that this is their practice or that there has been a change in their practice. I requested to speak with his supervisor, he put me on hold for an extended period of time, never returning to the phone or with his supervisor which resulted in me hanging up the phone. 

This must be investigated and corrected. I know nowhere where it is appropriate to just take out astronomically amounts of money or the entire balance of a card and for all transactions.
Product: Debt or credit management

15 U.S. Code 1666b : I believe these late payment violates privacy and consent.
Product: Mortgage

Since taking over servicing our mortgage home loan ( from XXXX to Shellpoint ) in summer of XXXX, Shellpoint Mortgage has had the worst customer service ever and we are now filing a formal complaint. They are now neglecting to even contact us back at all due all to their mismanagement of this loan in a short six months. Timeframe below. 

Letter sent to them XX/XX/XXXX requesting our escrow account to be removed due to it causing our mortgage to double. We had a payment plan set up with the county for the past 15 years. Outcome, after giving us the address and us mailing them a letter, ( requesting our escrow to be removed ) they are now saying " they never received it ''. We again, XX/XX/XXXX, sent another letter requesting the escrow to be removed again, and they are saying again, " they don't have it. '' We have called them dozen times in the last 90 days, requesting to speak to supervisor and them saying " nobody is available '' and us leaving messages asking supervisor to please contact us by the end of day. Never received a phone call back ever. 

We have emailed them nearly a dozen times in the last 90 days, specific contacts they said " we are assigned to '', but nobody will return emails or call us back. 

Our request are very simple. 1 ) Remove the escrow account that we never asked for 2 ) waive some late fees because we are not able to speak to anyone or sign on to their website to make a payment. This is neglect 101. 3 ) Recently, we mailed a hardship request, because of the escrow mistake they made, and its been two weeks to be exact, and nobody has returned our request or reached out to us. 

These very simple customer service acts have snowballed into one problem into another in spite of us paying our principle plus interest on time every month. We greatly miss the excellent customer service and technology that XXXX provided us for over a decade. And since our mortgage was sold to Shellpoint Mortgage Servicing, it has been a nightmare. And add on the recent pandemic, corona virus, it's more important than ever to get big companies to assist us with service and assistance. 

We appreciate your department filing a formal complaint and assisting us since we can not get them to help in any way or call us back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me very much so. I am unable to move forward with life so that I XXXX provide for my wife and children.
Product: Money transfer, virtual currency, or money service

I NEVER OPENED A NEW BINANCE ACCOUNT IN XXXX. I HAVE NOT USED BINANCE SINCE XXXX. THIS IS FRAUD AND A SCAM JUST LIKE THEIR CEO IS IN PRISON RIGHT NOW
Product: Debt collection

debt is not correct I have insurance, HIPPA law violated and this is a third party without any authority, amount owed incorrect. balance owed is incorrect. delete immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

there are unauthorized and fraudulent inquires that I see on my credit report
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on XXXX, Innovis, and XXXX Report and Request for Detailed Description of Verification Methods To Whom It May Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my XXXX, Innovis, and XXXX consumer report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities. 
Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute.

Specifically, I request the following details regarding your investigation : 1. Methods Used : Please describe the specific methods and procedures used to verify the disputed information.

2. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation.

3. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information.

4. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation.

5. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken.

Violations of Law : I believe the verification process by XXXX, Innovis, and XXXX may violate my rights under the following laws : 1. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports.

2. 15 U.S.C. 1681i : Procedure in case of disputed accuracy.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information.

4. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes.

5. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than seven years. 
I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigation of the disputed information in my XXXX XXXX, and XXXX report. Specifically, I ask that : XXXX. XXXX, Innovis, and XXXX provides a detailed description of their reinvestigation process and how they verified the disputed information. 
XXXX. XXXX, Innovis, and XXXX corrects the inaccuracies in my report as identified. 
Enclosed are copies of my XXXX, Innovis, and XXXX report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/, 2023 I tried to get a copy of my report to confirm accuracy It says when you call them you can get a free copy because of XXXX XXXX every 7 days. Thats completely untrue If you open a dispute for an address, they hold your file hostage for 30 days and wont even let you view it : so many things can happen in, 30, days. Why do they say you can view them every 7 days for free but you do not mention that if you have an address dispute open, you cant and have to wait thirty days to even see old files much less the new ones unless you PAY to sign up for a subscription service? Thats very misleading and very harmful as people can see so many changes in a 30 day period. 
If they say you can view every 30 days per their site, you should be able to.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act these creditors violated my rights under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish account without my written instructions under 15 US 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me Original Creditor : XXXX XXXX ) XXXX Balance {$89.00} XXXX XXXX Balance {$590.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX