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

In accordance with the Fair Credit Reporting Act. The list below has violated my federally protected consumer rights to privacy and Confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 
Account # XXXXXXXX XXXX XXXX  Has violated my rights. 
Account # XXXXXXXX XXXX XXXX  Has violated my rights. 
Account # XXXX XXXX XXXX Has violated my rights. 
Account # XXXXXXXX XXXX XXXXXXXX has violated my rights Account # XXXXXXXX XXXX XXXX has Violated my rights 15 U.S.C 1681 Section 602 A States I have a 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.

15 U.S.C 1681c A 5 Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other then records of convictions of crimes which antedate the report by more the seven years.

15 U.S.C 1681s-2 A 1 A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My mortgage servicer ( SP Servicing ) has been doing everything they can to thwart all of my attempts to get a loan modification on my home. Lost documents, late mailings or notices sent that I did not ask for, discrepancies in information shared with me, etc. Most recently, I had to spend {$2000.00} to stop a foreclosure sale that the servicer postponed one day before the sale, but told me the sale would go forward. Someone needs to stop these people before someone loses their home for real.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX Experian Membership ID : XXXX Date of Incident : XX/XX/2020 Today 's Date : XX/XX/2020 Residence State : NY Dear Sir or Madam, I receive many solicitation emails from Experian since I'm an existing member, however, on XX/XX/2020 I received one of their solicitation emails that clearly stated my first name and the amount of my credit card debt ( snapshots are attached for your review ) in the email 's subject line. 

I find this highly disturbing and horribly invasive regarding " my '' personal information. Also, why make it easier for identity thieves since they're getting very sophisticated in their M.O. 's. I followed up with three phone calls to Experian @ ( XXXX ) XXXX on XX/XX/XXXX to discuss my issue to no avail ; their automated menu options are limited and there is no option to talk to a real, live person. I then called ( XXXX ) XXXX, also to no avail due to the same issue. 

To be clear, my issue is with publishing my outstanding credit amount and my name in the subject line of their solicitation email for anyone to see, whether they be an Identity thief, a family member/friend, or a casual passerby. Something about this seems terribly wrong and possibly unlawful. I did a quick review of their Privacy Policy and could find nothing that addresses this issue. No one should have easy access to info. of this kind, not even myself and especially in an email, unless they clearly validate their identity. 

Included are webpage snapshots of the email in question, a close-up of said email, the body of the email itself, and the two Experian numbers I called with no results whatsoever. 

I would be most grateful for a response to this matter, and I thank you sincerely in advance for your assistance and advice on this issue. 

Kind regards, XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XXXX I ordered two box springs from XXXX XXXX for {$190.00}, the money was immediately taken from my account. On the day of supposedly delivery I never got my items even though I paid for it, I reach out to XXXX and inform them, they said wait. I waited nothing happened so I reached out to Chime to try and get a refund back they made me wait. I had to reach out to the XXXX XXXX XXXX and file a complaint against XXXX, Ive a email from XXXX stating XXXX never reached out to back out to them about my situation. I also ordered a hoodie online from XXXX clothing line, the hoodie was {$70.00} they took the money for that was on XXXX XXXX. I reach out to both the lender and Chime nothing happened. I never received my money for both transactions
Product: Debt collection

They call my phone almost everyday and night seems like nonstop. From different numbers I ask them to stop I have even changed my number but they continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Credit Card Services ran my credit for a credit card on XX/XX/2023. I did not apply for any credit with them and when I requested an investigation they asked that I send a letter which I did on XX/XX/2023, they then sent a letter ( Dispute XXXX XXXXXXXX ) on XX/XX/2023, stating it was a valid inquiry. Because I did not apply for anything with Wells Fargo, I called their dispute line again on XX/XX/2023, to request proof that I applied for credit. At that time I was given a " dispute '' number XXXX and advised they would reach out within two days. Wells Fargo did not respond and has not provided the information I requested. 
It is clear to me that they did nothing to investigate this matter and have left the credit inquiry on my credit file. Please follow up on this sloppy and poorly handled investigation to ensure that consumers do not continue to suffer from these banks that have been allowed to become too big to operate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX! I have reached out to these dam credit companies multiple times and havent gotten XXXX back. These false reporting accounts on my credit report has hindered me from purchasing a car and soo much more. I ask that these accounts be removed immediately as this XXXX is literally XXXX up my life.
Product: Checking or savings account

XX/XX/2020 my account frozen. it's 6 months now and after cooperating still refuse to close my account or release my funds. i recieved a no obligations grant for application of loan covid relief. loan denied but grant recieved. i sent in all supporting documents. investigators refuse to speak with you return calls or messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not opened a credit card in over a decade. XXXX keeps reporting false information to the credit bureau saying I have an account in collections. This is not my account and I need this removed immediately
Product: Checking or savings account

Today XX/XX/2021 someone committed fraud and withdrew {$660.00} out of my account from the Bank of America branch atm. My card is in my wallet, I never let anyone use my card, my pin has never been shared and only memorized by myself. I filed a claim with the bank and after speaking to 3 representatives, I was given 3 different processing times and no definite answer.
Product: Debt collection

I have made attempts to reach out to this company to confirm my debt. The automatic services can not find my information connected to any account. I mailed out a letter requested information on proof of the debt. I believe this company reporting false information.
Product: Checking or savings account

On XX/XX/2022, I visited an ATM and attempted to make a cash withdrawal of {$620.00}. Immediately after the machine processed the transaction, the ATM failed and displayed an error stating that the transaction would be canceled and to contact my financial institution. I immediately called Cred.AI 's " XXXX emergency support line '' who argued with me for ten minutes stating that there's nothing they can do, and they referred me to the owner of the ATM, XXXXXXXX XXXX XXXX XXXX reviewed the log and shows the transaction was canceled -- they deferred me back to Cred.AI for assistance in removing the transaction. Eventually, I was transferred to the disputes department who filed a dispute, but stated that the funds would not be returned for use for 90 days. I have not heard an update and I still do not have access to my funds now nearly 10 days since the transaction was attempted. This is essentially theft, and must be rectified in a timely matter.
Product: Credit card

I claimed FRAUD, and submitted a 6 page documentation of FRAUD. 

CHASE contacted merchant and inexplicably changed my claim of FRAUD ( and the details ) changed the dispute to " payment made by other means. '' Merchant claimed no evidence to " payment made by other means '' and declined. 

WTH? 

I tried again with FRAUD. 

CHASE contacted merchant and inexplicably AGAIN changed my claim of FRAUD ( and the details ) changed the dispute to " payment made by other means. '' Merchant claimed no evidence to " payment made by other means '' and declined.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Contacted the department of education to investigate my student loan the for profit school that illegally got me into it under the lie that my credits where accredit and I could transfer into any school with also my master promissary note that didn't have my signature on it it wasn't mine it was electronic and I signed all my financial aid work at XXXX XXXX   failed to provide my original promissary note. Yet they continue to report to the credit bureau during an ongoing investigation that according to the news in the paper could last year 's and in the process there during destroying my credit
Product: Credit reporting or other personal consumer reports

Bankruptcies are being reported on my credit report and the information being reported is incorrect. I addressed this with the credit reporting agencies and they claim that the information they obtained from their investigation is " Verified '' as correct. They failed to provide me with the source ( s ) which provided the information to them other the the Court address and telephone number. The dates in which they received my certified mail and they claim they conducted an investigation are during the weekend, in which we all know the courts are not open on the weekends. They have falsified the source in which they obtained their information. I addressed the Courts and I was informed that they do not report " ANY '' information to Credit Bureaus or Third Parties. I also sent a letter from the Courts website which substantiates the information the Courts gave to me, which I provided to the Bureaus ( XXXX, EquiFax, and XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- INSTALLMENT LOAN 1. XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account.
Product: Student loan

Last year I sent a question to MOHELA about PSLF. They waited months, then messaged back to say something to the effect of, " It looks like we haven't answered your question. If you still need an answer, please resubmit it. '' That's totally unacceptable, but I'm even more frustrated now. 
They have alerts all over telling us to sign up for the REPAYE plan because it automatically transitions into the SAVE plan, so I submitted my application, and now I got a message telling me to log in to view a letter. So I log in, and it says my request to sign up for the REPAYE/SAVE plan was denied, because I need to upload documentation. But the problem is they didn't tell me what documentation to upload, they just said I need to contact them to find out. So I tried contacting them, and it turns out they aren't available outside of standard work hours on the west coast where I live ( Washington State ). 


I don't have a choice who services my loans if I want to qualify for PSLF. MOHELA has been assigned. But they are woefully ( I would argue, intentionally ) understaffed, and give you the runaround every single time you try to have even the most basic of questions answered. This has to improve. If you want people to make payments on loans, then stop making it so hard to make payments on loans. 


I'm submitting this to the CFPB because I don't know who else to turn to. I'm trapped into a relationship with this terrible company, and I have no recourse for when they choose to either A ) not answer my questions at all or B ) supply me with intentionally opaque information about what they need from me to proceed. 


Please do something about this. I have loans through the government. The government chose MOHELA. The government can hold MOHELA accountable. I can not hold them accountable. Please do something. I've wasted countless hours trying to work with them, and it's just not fair to anyone to have to put up with their evasive policies and practices. PLEASE HELP. I'm at my wit 's end, and I'm certain there are millions more out there in my exact situation. PLEASE HELP.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX| received a pre approved credit card offer from " aspire '' bank that said to scan the XXXX code provided to find out more information. I did as so. 
After reading through they outrageous annual and monthly fees I declined the off and did not submit an application. 
The next day " XXXX/ASPIRE '' showed up on my credit report as a hard inquiry. I am trying to rebuild my credit score and even a small hard inquiry is a big deal to me. Especially since it was a pre approved offer and an offer I declined to take. I feel like I was wrongfully taken advantage of by this company. 

On Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response CFPB # XXXX Dear XXXX XXXX XXXX We are in receipt of your correspondence to the Consumer Financial Protection bureau regarding an Aspire pre-approved Credit Card offer that you received at your address. 
Per your request, this will confirm that we have updated our records to stop mailing credit card offers to you at your above referenced address. Please allow up to 60 days for the block to take effect due to existing mailing campaigns in progress. 
Additionally, a request has been submitted to the credit bureaus to remove the inquiry as we understand it wasn't your intention to submit a credit card application. Thank you for the opportunity to respond. Sincerely, XXXX XXXX., Executive Correspondence Specialist On behalf of Aspire Credit Card XXXX XXXX XXXX XXXX is the issuer of the Aspire Credit Card account As of XX/XX/XXXX they have done none of the above!
Product: Credit reporting or other personal consumer reports

Hello let me start by saying this I have been building my credit with the credit cards I do have on file but these inquiries on my XXXX report are not a credit account I have applied for here are the dates and times of those inquiries that is on my report. 
XXXX XX/XX/XXXXXXXX  I have had not contacted this company Capital one XX/XX/XXXXXXXX  Contacted this company XX/XX/XXXXXXXX  Was told to dispute with the credit bureau XXXX XX/XX/XXXXXXXX  Have not contacted this company XXXX XXXX XXXX XX/XX/XXXX Have not contacted this company XXXX XXXX  XXXX XX/XX/XXXX XXXX have a loan with a different finance company through XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Have not contacted this company Capital one XX/XX/XXXX Contacted this company on XX/XX/XXXX Was told to dispute with credit bureau Capital one XX/XX/XXXX Contacted this company on XX/XX/XXXX Was told to dispute with credit bureau XXXX XXXX XXXX XX/XX/XXXXXXXX  Have a loan with a different finance company through XXXX XXXX since XXXX
Product: Credit reporting or other personal consumer reports

I was looking at my reports around XXXX and I noticed XXXX AUTHORIZED USER accounts that do not belong to me. The AUTHORIZED USERS accounts names is XXXX XXXX and XXXX XXXX These accounts is not showing anything negative. But they are not my accounts and I want them REMOVED/DELETED from my credit reports. I will attached Exhibit 1-5 showing the AUTHORIZED USERS that do not belong on my consumer reports. I also will attach the FTC report