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

As of XX/XX/XXXX my XXXX XXXX was XXXX. When I checked for an update today, I noticed that my XXXX XXXX has dropped XXXX points to XXXX. In looking at the credit report, it has come to my attention that my XXXX XXXX is being unfairly impacted by an administrative forbearance, elevated to a processing forbearance placed on my student loan due to the federal court issued an injunction preventing the XXXX Department of Education from implementing parts of the Saving on a Valuable Education ( XXXX ) Plan and other XXXX plans. 

I did not request my account be put in this forbearance and have been working tirelessly with XXXX and XXXX to change my payment plan and effectively move my loans out of forbearance. This is of no fault of mine, and I am not delinquent on my payments. Against my will, this account was put into an administration forbearance in XXXX. Despite submitting a request to change payment plans on XX/XX/year>, no changes have been made to my account and my request continues to sit processing. After speaking with an agent today, my account was placed into a processing forbearance that extends forward 60 days and is also retroactive to cover the previous months. Furthermore, my loan provider indicated that a freeze was placed on my account via the department of education that extended to XX/XX/year>, which did not allow my loan provider to process my prior request to change payment plans. Since, my loan provider has still not processed my request, calculated my new payments, and taken my loans out of the administrative forbearance. 

At the current time, I am unable to make payments because my payments have not been calculated by the loan provider. With student loans now reporting if payments havent been made in 90 days, this is unduly impacting my XXXX XXXX. I request that this negative impact to my XXXX XXXX be rectified immediately, and XXXX stop reporting me to the major credit unions as delinquent.
Product: Debt collection

I have been receiving repeated phone calls from XXXX XXXX regarding a corporate card charge with an original balance of {$1300.00} with an additional {$150.00} in interest and fees. This was a legitimate business expense that had been charged on the same day of an illegal termination that the corporation illegally refused to pay. I won a legal settlement which included compensatory damages because of this illegal termination. During the time I have been involved in litigation, I have not paid this debt. Although I did, in fact, explain the situation in depth to XXXX customer service, XXXX did not care and reported this to a collection agency. This agency, XXXX XXXX XXXX XXXX, has called me repeatedly regarding this. The latest phone call was on XX/XX/18 at XXXX XXXX MST, and a representative named " XXXX '' told me that I needed to pay this anyway to " maintain a good relationship with XXXX XXXX. '' I explained the situation to him, and he also refused to listen to me, so I hung up on him. Additionally, this company has been making repeated phone calls to my law firm trying to use them to contact me. This is outright harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inaccurate account that is reporting to my XXXX and Equifax credit report. I sent a letter via standard shipping on XX/XX/2021, and I have yet to receive any explanation of this unknown account. This agency is in violation of the U.S. Fair Credit Reporting Act by failing to respond within 30 days. I am asking for proof of this debt or remove this account from my report. I also tried to submit a dispute for XXXX online and received an error message being that this dispute is in process. This dispute should be over. Remove the following account Account : XXXX  XXXX XXXX Amount : {$360.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was divorced in XXXX and as part of the divorce our house XXXX XXXX XXXX XXXX Ohio was awarded to my ex-wife. In XXXX she filed for bankruptcy and including her condo fees and house mortgage in it. This was used to refinance the house and my name was taken off the loan per the court documents. The credit brearuou claims my name is still on the load and has refused to take it off. Court documents indicates otherwise. 
I want my name to be taken off the loan from XXXX and the credit brearou or credit reporting. 
The credit reporting company has refused to take my name off the loan despite serveral calls to them with documentation proff. The credit reporting company say it has to come from XXXX XXXX  and they are not doing it.
Product: Credit reporting or other personal consumer reports

I reached out on multiple times and days to give them my ftc identity theft numbers and tell them to investigate the account open under my name without my knowledge and they refused to do anything said they should not help me I reached out many times I requested a copy of the original contract and I never received it
Product: Debt collection

I received a call from Keynote Consulting for collection of a debt for a social group which I am not a part of. I don't owe any debt to any social group. They mentioned if I don't pay the amount then they are going to impact my credit score.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6, 2 which states I have the right to privacy ( 15 USC 1681 ( section 6, 4a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b. A creditor may not treat a late payment on a credit card account under an open end consumer credit as late for any purpose.
Product: Credit reporting or other personal consumer reports

This is what now, the XXXX or XXXX VALID Complaint I've filed now in under 2 years with this absolute XXXX of a XXXX XXXX XXXX than 2 years. 

I can not underscore this enough! I would never hurt anyone and I'm not threatening anyone but we wonder why someone would shoot an CEO of Company that doesn't regard their CUSTOMERS with the respects and attentions they deserve!! 

Today I received a Notification from the reckless inept XXXX XXXX XXXX my Home Address has changed. The change their Notifications made was the added XXXX ( for XXXX ) in my Home Address. 

This is nothing new. The XXXX for North has always been there AND I HAVEN'T CHANGED ANYTHING. 
It's just pure and simply a Company/Institute INCAPABLE or RESPECTFULLY doing their Job correctly as usual as my VALID many complaints have shown, ESPECIALLY in such a short amount of time. 

Their Large and Small mistakes all have LARGE IMPACTS. This XXXX has XXXX time and time again NO ONE CARES!! Otherwise I wouldn't constantly have to come here to get THEIR MISTAKES FIXED!! 
If they cared this XXXX would be able to be fixed by simply contacting somebody at Experian. 
It's seemingly would be as easier to contact the XXXX of the United States than these people. 
I tried to contact them, I tried to file a dispute and all I was given is an Address to send a letter. 
We shouldn't have to jump through such hoops to constantly find the respect and responsibilities these inept people make us do.
Product: Credit card

I lost access to an account ( XXXX XXXX  ) which had an auto replenishment. Each month the account would charge a {$1.00} admin fee. I tried to contact XXXX XXXX  too many times to count in an effort to try to close the account but I couldn't. 

The auto replenish was through my discover card so I called discover and attempted to block the charge through them. They allowed the charge and I disputed it. This was from I believe XX/XX/XXXX to XX/XX/XXXX. I thought the issue was resolved but XXXX XXXX charged the card again in XXXX of XXXX. I called discover to ask what happened and was told that sometimes vendors have multiple account numbers so if they got blocked by XXXX they could use another. I said that's fine but it wasnt a valid or authorized charge and they said they would dispute it. 

For some reason, they are claiming it is a valid charge despite me attempting to block it for multiple years. They sent XXXX XXXX 's proof that it was an authorized charge, which was simply the annual statement of the account I lost access to and a monthly admin fee. The account has not been used since XXXX when I moved to Florida, which does not use XXXX XXXX. I am simply being charged because XXXX XXXX refuses to close the account and Discover refused to block the charges.
Product: Prepaid card

They closed my account then said they were sending a check for {$750.00} the amount that was in my account it 's two months later I 've yet to receive my money despite contacting them ten times or more just getting the run around
Product: Debt collection

I have asked Assocaited Credit Services to respond, yet they do not respond. I have asked them to provide verification and validation and yet they do not respond. See attached supporting documentation. I replied to their initial letter and it has now been 30 days and they have failed to validate. I do not think they have the original contract between the original creditor and I because the debt does not belong to me.
Product: Mortgage

pmi REMOVAL from loan. I am at 72 % loan to current ratio and amount of actual amortization that they would take PMI off and they refuse to do so. I know there is homeowner protection act to stop this. Can you help me.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and found errors that are impacting my creditworthiness. I expect the credit bureaus to investigate and correct these inaccuracies promptly. The account details needing verification are : Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several INQUIRIES on my credit report that are not AUTHORIZED. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. These INQUIRIES listed are not AUTHORIZED and need to be deleted from my credit report : Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXXXXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX Date of inquiry : XX/XX/2023, XXXX Date of inquiry : XX/XX/2023, XXXX XXXX XXXX Date of inquiry : XX/XX/2023, XXXX Date of inquiry : XX/XX/2023, XXXX Date of inquiry : XX/XX/2023, XXXX Date of inquiry XX/XX/2023, XXXX XXXX Date of inquiry XX/XX/2023, XXXX XXXX Date of inquiry XX/XX/2023, XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that i did not authorize. 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies 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 that 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.
Product: Credit reporting

I sent a certified letter to transunion over 45 days ago requesting verification of late payments and collection accounts. I informed them to send me documents that they have in their file as of date to verify the accuracy. Under the fair reporting act ,XXXX I have the right to demand all documents retained in their file. NO copies were ever sent. This is a violation of Section 611 ( a ) ( 5 ) ( A ) ( i ). They did not mail evidence of the accuracy of my accounts on file within the 30 days. Unde the FCRA XXXX all unverified accounts must be deleted promptly. No copies of the verified information on file was sent to me in the 45 day period. Thats a violation of my rights. Just mailing a letter stating verified is not enough. I needed documents mailed to me from the files of all the late accounts or collection accounts. None were ever sent. Now I am demanding all account that are negative or in collections removed due to no verification documentation was mailed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shopping at XXXX XXXX and I am aware of my limit. I told the representative that I would like to pay part on my card and part cash. He said to me, we do automatic crease during XXXX XXXX and credit score would not be affected. I come to look at my credit score and saw hard inquiry and my score went down due to XXXX XXXX. I called the company instantly and all I was told was sorry for misinformed info from cashier. This is truly unacceptable.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My information may have been impacted by the XXXX and XXXX XXXX XXXX XXXX and may have got into the hands of the wrong person I noticed a new inquiry this morning from XXXX XXXXXXXX its no XXXX XXXXXXXX accounts Under The Doctrine of Estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists The Fair Credit Reporting Act ( FCRA ) in the United States XXXX gives consumers the right to dispute and remove inaccurate inquiries from their credit reports : 15 U.S.C. 1681s-2 This section of the code covers the responsibilities of information providers to consumer reporting agencies. It prohibits the reporting of inaccurate information, and requires that information providers correct inaccurate information after being notified by the consumer. 


I will upload my inquiries picture then my account pictures
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, My Wells Fargo credit card is still showing open on my XXXX even though this was included in my bankruptcy this year ( case # XXXX ). Because of this still showing on my account has having a balance of {$550.00} out of {$500.00} limit, it significantly dropped my credit score from XXXX in XXXX of XXXX to the current XXXX.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX all have bankruptcy on my credit report that should not be there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have right under 15 USC 1681.

Transunion is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have right to privacy and I did not give Transunion written permission to furnish these accounts XXXX *XXXX  XXXX *XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some activities on my report. I already have a fraud alert on file. I called to ask them why is it taking 5 months to complete the inquiry. I was told by the agent that they couldn't help me. After five months of trying to get my report corrected and updated, the agent asked me again after I already told him, the police report was filled, I contacted the original creditors and I was told to call each bureau directly. I did that, and Transunion said and I quote " We can't help you. ''
Product: Vehicle loan or lease

I have repeatedly attempted to contact the organization, but my efforts have been consistently met with poor communication and a lack of professionalism. Instead of providing a thorough explanation of the situation, I have been given a random phone number and asked to collect a debt without any further clarification. This lack of communication and aggressive behavior contributed to the repossession of my vehicle. The organization should prioritize effective communication and customer service rather than resorting to bullying tactics.
Product: Money transfer, virtual currency, or money service

I recently transferred some funds via my WISE account fromThursday and to my surprise today, my bank in my local country which is the XXXX XXXX XXXX  has charged me leaving me with nothing in my account. This is upsetting and I am really upset with the mere fact that they took my money. I need back my money and I'm tired of WISE charging fees because when it reaches my bank account internationally. I am not left with anything. I am going to stop use WISE. Both WISE and XXXX are scammers. These banks are taking your own money that should be sent in your account.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I had a fraudulent account on my report. Please remove this account from my report, it is hurting my ability to obtain credit.
Product: Debt collection

On XXXX/XXXX/2015, I filed an dispute with Diversified Consultants. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised them that not complying wit the FDCPA will put their company in a bad position with the CFPB. Diversified Consultants never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

We purchased a ring at Zales on XX/XX/XXXX. They had an 18 month XXXX interest financing promotion so we decided to take advantage of it. We financed {$6900.00}. We had an auto pay set up with Zales/citibank, they told us that they would notify us in writing when the promotional rate was going to be over so that we would pay the balance off in full. On XX/XX/XXXX, they call us and say that we owe them money and that it was a collection. We were shocked as we had been paying through autopay all along. Then they tell us that we owe an additional XXXX because the promotional rate expired. We told them we should have been notified in writing when the promotional rate was going to expire so we could pay off the balance and when our auto pay would cease. This was never disclosed to us when we purchased the ring. The promotional rate when we called expired on XX/XX/XXXX. They do not give appropriate disclosure regarding financing and it is a big issue trying to get in touch with someone to help resolve this.
Product: Debt collection

I suddenly and randomly have over 5 or 6 records on my collections account from Wakefield & Associates and they were all reported on the same day. It makes no sense and it is definitely not my debt. I really want it removed and asap.
Product: Credit reporting

I could only select one of the options above but there are actually XXXX. Account terms, Account Status and validation that the account even belongs to me. The issue is with XXXX XXXX Bank who reports different things to XXXX Equifax and XXXX, all are negative and severely damaging my credit report. I have filed a direct dispute with XXXX XXXX Bank in order for them to stop reporting inaccurate and damaging information to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified that my information was compromised. Took the appropriate steps to remove the items. Credit reporting agencies have not removed them.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1200.00} XXXX  XXXX Balance : {$5500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

When I downloaded my free credit report from XXXX XXXX today XX/XX/2021, I found that Portfolio Recovery claimed that it had debt from an original creditor, XXXX XXXX. I was unaware of any debt I may have had through XXXX. I called various numbers at XXXX, which referred me to other numbers at XXXX, none of which could find anything under my name and SS #. XXXX at XXXX told me on the phone to contact XXXX. I am going around in circles, and debt buyer Portfolio Recovery was unreachable. It purports to have a debt of {$500.00}, but both XXXX and I are unable to verify this alleged debt.