23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXXXXXX XXXX, XXXX , XXXX XXXXTo Whom It May ConcernI sent a letter to you disputing XXXX unauthorized hard Credit inquiries removed as erroneous on XX/XX/XXXX and mailed them certified, return receipt requested. I received notice in the mail that you received the dispute letter on XX/XX/XXXX.it is now XX/XX/XXXX and I have not received a response from you. 
Per the Fair Credit Reporting Act, Section 661 ( a ) ( 5 ), you have XXXX days to investigate disputes. If you can not verify the information within the XXXX day time period, you must delete all of the dispute accounts from my report. You must now delete the dispute and unverified accounts failure to do so can result in a {$1000.00} fine per undeleted item. 
Unauthorized Hard Credit InquiresFollowing creditors responded me and they ask me more information 's. They fail to respond with in XXXX days time period .all letters attached. please remove following inquiresCreditor Inquires DatesCAPITAL XXXX, XXXX XXXX/XXXX/2015, XXXX/XXXX/2014, XXXX/XXXX/2014, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXXFollowing Creditor 's not responded at allCreditor Inquires DateXXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXXEnclosed find a copy of the receipt showing when you received my credit dispute and a copy of my original letter showing all accounts I have disputedThanks in advance to your timely response to this request ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact Equifax several times. 
I have now found out that this collection account. has been added to my account twice The account name is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me XXXX  XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Checking or savings account

Friday morning I went to the grocery store and was able to use my bank card without any issues. This was around XXXX XXXX XXXX. Around XXXX I attempted to purchase a prescription that was ready to be picked up and my card was declined. I had a gift card so I used that. I called citi bank and they told me that a fraud alert was activated and I would just need to verify my identity and my card would be able to be used. I always get a text message however this time I didnt. So I verified my identity and then the person said oh this is in the backroom department I said can you tell me why my account is being held. She knew nothing! Said nothing! It has been over 3 days and I havent resolved this issue and I have called over 8 times to resolve this and no one has a reason as to why it is being held. Its in the backroom that doesnt have a phone number. I cant even make this up. Citi bank is holding my money hostage and I have no way of getting even information from them as to why!
Product: Credit reporting or other personal consumer reports

I was reviewing my credit profile and noticed some inquires that do not belong to me. 

XXXX XXXX - XX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX To whom it may concern, XX/XX/year> I am writing to advise you that the personal information on my credit report is incorrect, and it must be corrected. The address of (? ) is not my address and I have never lived at this address. Any accounts that are listed at this address is fraud and I have sent a separate letter dealing with them. At this time under section 1681c2. Block of information resulting from identity theft of 15 U.S. Code Subchapter III - CREDIT REPORTING AGENCIES the above listed address must be removed and blocked from my credit report or I will file a lawsuit under sections 1681n. Civil liability for willful noncompliance and 1681o. Civil liability for negligent noncompliance. I am also requesting that you send me a corrected copy of my credit report within the 30 days allowed. 

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

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number attached in document Please provide me with : 1. What the money you say I owe is for.

2. A detailed explanation of how you calculated what you say I owe. 
3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account. 
XXXX. Proof that you are licensed to collect in my state. 
XXXX. Your license numbers and XXXX XXXX XXXX XXXX XXXX XXXX 

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( Experian, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Product: Payday loan, title loan, personal loan, or advance loan

Reference XXXX I filed a complaint with you, they responded with apology and stated they would refund the money but they Have not refunded and I have tried to contact them with no response.
Product: Student loan

I'm currently Battling XXXX and have not been able to work. I Filed for an INCOME BASED repayment plan. Received a notification that based on my income I had no payment due until XX/XX/XXXX. A month later I started getting " late payment " notifications and also started getting different due dates and amounts due???? Now I have started to get calls from every fake student loan forgiveness site in the US? Wondering how they got my private number when the only place I ut the information was on my application to the US Department of Education ( who forwarded it to Navient )??? Would like for Navient to honor what they sent me. No payment until XX/XX/XXXX. This will allow me time to fight my XXXX and hopefully get back to work.
Product: Debt collection

I have received several illegal robocalls, and well as illegal and false misleading, misrepresenting calls stating that I participated in some fraudulent activity concerning a financial institution. I contacted the company and they said they were under new name XXXX XXXX XXXX. I looked up the so-called new company I found nothing such company. I requested validation and was transferred to another rep. then another rep. I never got any direct answers or any website information or FAX or even a email. This company is not licensed to do business in the state of OHIO. They are using bait and switch tactics to get you to pay for an account that is unverified, as well as under dispute for Fraud. PRG has no regard for FDCPA Laws and this company needs to be Stopped PRG AKA XXXX XXXX XXXX!
Product: Debt collection

I am writing to formally dispute and request the correction of inaccurate information on my credit report. After careful review, I have identified discrepancies in the reporting of the following accounts : XXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED : XX/XX/XXXXXXXX  BALANCE : {$0.00}, XXXX XXXX XXXX DATE OPENED : XXXX XXXX, XXXX BALANCE : {$1100.00}, XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$430.00}, and XXXX XXXX XXXX XXXXXXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00}. The aforementioned accounts are currently reported with late payment dates and negative status, which is inaccurate. I have contacted the respective creditors, and they have acknowledged that the late payment dates and negative status were the result of an internal error on their part. Consequently, they have agreed to rectify these inaccuracies and remove the negative information associated with these accounts. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Product: Credit reporting, credit repair services, or other personal consumer reports

We were under a XXXX forbearance but have begun a loan modification with Flagstar Bank. Our first payment was made XX/XX/XXXX. Then on XX/XX/XXXX a change on our account prompted XXXX alerts from XXXX and XXXX saying that there is new " major derogatory '' information on my credit report. This new information seems to be related to the fact that we made our first mortgage payment under the new terms of the modified loan. The comments on the account in question say " paying under a partial payment agreement, '' meaning that the amount we are paying is less than the monthly amount of the previous loan. It was our understanding that a XXXX forbearance would have no negative consequences to our credit report, so I called both XXXX and Flagstar Bank and asked them to correct this error. A new letter, dated XX/XX/XXXX, from XXXX says that they updated the information, but the supposedly updated information is unchanged. It still says exactly the same thing, word for word. The letter says the following : " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. '' I am not sure what I should do at this point, but this seems to be an error that Flagstar should correct. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not receive any response from the bureaus and I have sent multiple dispute letters to them. Not even a letter in the mail or by email. This outrageous and plan out unfair. I want these items deleted from my report immediately. Like right now.
Product: Debt collection

I was contacted by a debt collection company called CMRE Financial Services regarding an outstanding payment to XXXX of XXXX XXXX of dentistry for the amount of {$200.00}. I have never visited the dentist school and do not owe them any money. I called CMRE Financial Services at ( XXXX ) XXXX and they told me to file an identify theft report and send them a copy along with my driving license and SS number. I have also attempted to contact the dental school in question but have not received any response.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

They had missed up my SAVE plan and PSLF payment by excluding a loan from repayment. I contacted them in writing to make the correction to reflect all loans in repayment, and get the correct amount for payment that was due XX/XX/2023. 

That was on XX/XX/2023 then again XX/XX/2023 then again XX/XX/2023. There were no correspondence or any information. All they did was put my account in forbearance. 

I sent two more written requests on XX/XX/2023 and XX/XX/2023. I also filed a formal compliant with the Federal Student Aid as appropriate. To date, nothing has been done to correct the issues. 

I am happy to make payments and be in Repayment under my SAVE plan and ensure my payment count toward PSLF is credited/honored.

Currently this is not the case as MOHELA accepted a payment and did not credit towards PSLF or give me any reason why i am in forbearance. 

It also says my Forbearance will be for 1095 days. If they are forcing forbearance then I would like to confirm that every month will be credited for PSLF with or without payment since they are illegally forcing my account into forbearance and not explaining why, affecting my PSLF count and making it impossible for me to have hope on my student loans being forgiven one day. I am only XXXX payments from meeting my PSLF requirements ( really it is down to XXXX - because I have XXXX " ineligible payments '' due to forbearances that was not credited as per FEDERAL LAW ) I also have requested this to be corrected in writing as well, with no action to date.
Product: Student loan

on XX/XX/2023 I made a payment on my student loan with intent to pay of the principal and interest and to pay off the loan. Loan sequence number XXXX. The amount due was : {$20000.00} so my bank account processed this payment and posted it. MOHELA says they " can't locate this payment ''. 


on XX/XX/2023 I made another payment on my student loan sequence number XXXX for the amount of {$10000.00} ( principal + interest ). I got a bank confirmation this payment was processed. MOHELA once again " cant locate this payment ''. 

It has been over 3 weeks and I am still accruing interest on these loans even tho I paid them off.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Experian Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 update the item from my 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 creditor, otherwise update this account immediately. UPDATE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX has violated the FDCA as outlined in XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX  ), which states that a consumer report is a medium of communication and thus subject to cease and desist requirements.
Product: Credit reporting

I several different account on my Trans Union Report and XXXX Reports that have incorrect information. I have been working for years to get this information updated and removed and have not had any success after filing discrepancy reports with them over the years. Then today I was denied a home loan because of bad information being reported in these reports. This is not only embarrassing but very stressful because this information is effecting me being able to purchase a home for my children and myself. I have served my military faithful and retired successfully and to continue to have to battle these agency is nothing no one should have to endure.
Product: Payday loan, title loan, personal loan, or advance loan

on XX/XX/year> I gave a call to one main XXXX XXXX XXXX  to discuss the payment options I had. Was told the call will be monitored and recorded. I was given two options for repayment. I had a hard time understanding the One main representative, she had a thick southern accent, I asked the representative if she could email me the two options so I can read what both entail. How ever upon requesting written disclosures I was told I can receive the disclosures once I picked one of the two options. The representative when on to say that " its basically the same thing '' and that both options change on a monthly basis. and the representative kept insisting that again " they were the same thing '' I requested disclosures several of times and I was denied disclosures and again was told that I would receive them once I agreed to an option. How would I know i made the right decision if they are " the same thing '' or if I would have waited till XXXX since both options tend to change monthly. This is violates truth in lending act.
Product: Credit reporting or other personal consumer reports

The account with Nelnet has been closed - paid in full since XX/XX/2023. For the last 10 months I have been trying to have this corrected with no success. I have made report disputes with all three credit bureaus ( XXXX, XXXX, XXXX ), disputes with Nelnet, and U.S. Department of Education office of Federal Student Aid ( reference # XXXX ). All three credit bureaus reported they verified with Nelnet and it was reported the report on the credit file is accurate. The account with Nelnet has been paid in full since XX/XX/2023. There has been no action taken with any of the parties involved. The reports being disputed are the following : 1. {$47000.00} 2. {$82000.00} Totaling {$120000.00} - which has been paid in full. 

I am requesting assistance to have these two reports corrected to reflect paid in full with a {$0.00} balance.
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX  Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am writing to file a complaint against Experian regarding the expiration of their allotted time to investigate my consumer report. It has been over 30 days since I first requested an investigation, and Experian has failed to provide me with a resolution. This delay is a violation of my rights as a consumer and has caused me significant financial harm and emotional stress. 
Furthermore, I believe that Experian is violating my right to privacy pursuant to XXXX. They have not disclosed the form needed to correct errors in my report, nor have they given me the option to opt in or opt-out. This lack of transparency is unacceptable and has further exacerbated the situation. 
Additionally, I have evidence that Experian falsified documents to close my CFPB complaint case and extend the time they have to investigate. This is a clear violation of my rights and is causing me further harm. 
As a result of Experian 's actions, I have suffered financial loss and emotional and mental stress, which has injured my right to obtain loans. I believe that I should be compensated for these damages.I strongly believe that I should be compensated for all the harm I have suffered due to Experians noncompliance and willful neglect I am requesting that the CFPB investigates this matter thoroughly and takes appropriate action against Experian. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX THIS IS IS NOT TRUE YOU HAVE FALSIFIED YOUR RESPONSE TO CLOSE MY CFPB COMPLAINT!!! ( # XXXX ) Dated : XX/XX/XXXX  Litigation involved STATUS Company responded there is litigation involved on XX/XX/3 THESE ARE TOTALLY NEW ISSUES
Product: Mortgage

REGARDING RESPONSE LETTERS XXXX, XXXX IN WHICH THE RESPONSES PROVIDED A COPY OF A HOME EQUITY LINE AGREEMENT AND DISCLOSURE STATEMENT SHOWING AN ENDORSEMENT OF XXXX. 
I AM REQUESTING SPECIALIZED LOAN SERVICING FOR THE XXXX TO PROVIDE THE TIME/DATE/YEAR WHEN THIS COPY WAS ACQUIRED BY SPECIALIZED LOAN SERVICING. I AM STILL WAITING FOR THE NAME OF THE CUSTODIAN / NOTE HOLDER THAT IS HOLDING THE ORIGINAL NOTE TO BE IDENTIFIED FOR THIS LOAN PROVIDED BY SLS. SHOULD THE PERSON RECEIVING THIS BE UNABLE TO UNDERSTAND THE TWO REQUESTS PLEASE SEEK HELP FROM YOUR LEGAL DEPARTMENT.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX XXXX Account number : XXXX
Product: Debt collection

The collectors are calling numerous of times and leaving voicemails and text messages to myself and my family.
Product: Money transfer, virtual currency, or money service

I am filing a formal complain against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPT ). Specifically, cash app failed to take timely and effective measures to prevent any address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they didnt comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax/Equifax credit bureau is committing mail fraud. I sent my letter to them XX/XX/2022 and it arrived to the post office XX/XX/2022. My letter still has not been picked up. It will be a month XX/XX/2022. I am losing confidence in Equifax/Equifax credit bureau XXXX