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

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX City State Zip : XXXX, CALIFORNIA XXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX Date XX/XX/XXXX Dispute of Unauthorized Credit Inquiries. 
To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. Enclosed is a copy of my identification to verify my identity. I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Checking or savings account

I have incurred multiple overdraft fees. Despite having sufficient funds when transactions were authorized. Fees charged due to lagging post of charge and credits. This issue aligns with the recent CFPB findings. I request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Received post card from TransUnion, not sure what it was about. Stated they sent me a check to cash, did not receive. 
For credit monitoring refund. Know nothing about. Will issue another check, but can't just deposit in the bank. This is a scam? Why aren't these credit bureuas shut down for fraud. 
Please stop them for hurting people 's purchasing power and at the same time, trying to make money on the side. No more Fraud.
Product: Debt collection

XX/XX/XXXX To : Navient Cc : EU courts In response to your E-correspondence # XXXX, XXXX, XXXX and " 5.Lender 3 rejection.pdf '', I request that you put this loan in extended forbearance to give EU courts time to handle this case. The extension of three months is not enough time and, as you, yourself, stated before, the XXXX University XXXX XXXX ( XXXX ) lost its U.S. accreditation in XXXX. As of XXXX, MUL is not on the list of approved schools ( see the XXXX list ). Hence, the deferment option is not possible. 


In this letter, I want to also shed some light on the U.S. student financial aid system for EU courts. You wrote on XX/XX/XXXX : " We are not able to respond to any information or guidance provided by a customer 's school, financial aid advisor or other financial advisor. '' and then you argued that the student and its co-signer are responsible no matter what. 


For this loan to be processed and approved, by Sallie Mae Bank ( represented by Navient ), the signature of the school was required on a document called " loan certification ''. This flaw in the system allowed the school to demand, mis-guide and force the student to inevitably select Sallie Mae Bank. Although Sallie Mae XXXXNavient repeatedly claimed that they had no role, it is not credible. 


I and other students did prefer and did request for the better options delineated in your letter dated XX/XX/XXXX. Since it was only the school that could make the final decision, Sallie Mae Bank was the only option. 


It appeared that Sallie Mae Bank had signed an exclusive strategic deal with XXXX, which in turn was used to pressure students to buy this loan or face expulsion from the school. 


As for your reports sent to U.S. Credit Reporting Agencies, to threaten me and the co-signer, they are invalid, as this transaction happened outside of U.S. Territories, as per responses from the Consumer Financial Protection Bureau in the USA. 



Regards XXXX XXXX
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 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 These companies has unauthorized inquiries
Product: Debt collection

I was called by collector in XX/XX/XXXX. I was told i owed a medical debt from XX/XX/XXXX. After i explained i did not owe a medical debt they continued to harass. I got account info from collector and called the hospital which had a record of the bill being paid in XX/XX/XXXX. I contacted collector told them it was paid in full in XX/XX/XXXX and they proceeded to write a public record on my credit report stated I owed money. XXXX weeks after they added it to my credit report they removed it from some services but not all. It still shows on my fico score as a derogatory account. I buy equipment and credit score cost me a lot of money depending on interest rates. I contacted collector they refused to talk.
Product: Money transfer, virtual currency, or money service

I refer to Geminis letter dated XX/XX/2021, in relation to the above-captioned subject. In that letter, they declined my complaint several times. This is regarding a known scam, referenced by the FBI in their PSA ( attached ). Given my own commitment to sensible approaches to coping with situations of this nature, and my ( perhaps blind ) belief in the system, I had been optimistic for Geminis letter to deliver novel, practical, and helpful insights on the matter, which it summarily fails to do. I find it baffling and reprehensible that my money has been so egregiously misused in a fashion which violates their principles, which call me to defend my rights. ( Please check more in the letter I attached ) I also attached letters to the company and their responses. 

I also have the FBI formally engaged who are pursuing the matter.
Product: Debt collection

CRA VIOLATION NO KNOWLEDGE OF THE FRAUDULENT ACCOUNTS APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my personal information was compromised there are unauthorized and unverified fraudulent inquiries reporting on my credit reports ( TransunionXXXX ) I have not applied for anything and these need to to be removed. 

XXXX XXXX, XXXX. 
XXXX : XXXX. XXXX, 2022 XXXXXXXX XXXX XXXX : XXXX. XXXX, 2022 Transunion XXXX XXXX XXXX : XXXX. XXXX, 2022 XXXX XXXX XXXX : XXXX. XXXX, 2022
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Experian 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There are XXXX hard inquiries listed on my personal credit report that should not be reported on the personal side. These hard inquiries are for business credit. 

Experian XXXX XXXX - XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> Please remove these hard inquiries from my personal credit report. These hard inquiries are only for the business credit.
Product: Student loan

I am trying to talk to a representative at Mohela to change my repayment plan to the standard repayment plan. I have called them repeated times, and I can not get passed the machine. Waiting times to talk to a representative are over two hours according to what the machine says, and each time I have been waiting the call gets dropped a few minutes into the call or a few times after waiting over an hour. ( could. not get a representative or get through the machine ). I also tried to contact them through the message function in the company website, and I have not heard back from anyone. My issue is time sensitive as I need to submit some documentation to my employer regarding my loans, but I can not do so as long as the wrong repayment plan is there. Below are the dates I have attempted to contact Mohela, By phone XX/XX/2022 @ XXXX, XXXX, XXXX. // XX/XX/2022 @ XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. // XX/XX/2022 @ XXXX, XXXX, XXXX ( these calls didn't even get through ; I would get a busy tone ) // XX/XX/2022. @ XXXX // By message XX/XX/2022 // XX/XX/2022 // No actions taken by the company Mohela of any sort XXXX would like to talk to a representative to change my repayment plan to standard ASAP. I can not do it on my own through the automated system or in the website considering that there is not such option for customers unfortunately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Experian and XXXX Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Tried opening an account with truist bank was denied because of a report from citizens bank saying account abuse my card was stolen with my id social and account pin inside and my account was over drawn without my knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a personal loan with this company to pay off some credit card debt, etc. in XXXX, I was fired in XXXX of that same year and I was having financial problems to the point of not being able to pay timely. In XXXX of XXXX, I lost my job as they were trying to make the arrangements to help me repay this debt and get back on my feet. However, I was denied unemployment along with no financial assistance due to having friends and family that disowned me due to my financial situation as they felt I never learn. My family disowned me due to my XXXX lifestyle telling me that I was an " abomination '' to them and a XXXX XXXX I was also evicted from my home along with losing my vehicle, I have not had a place to live since XXXX of XXXX, they continue to send mail anyway and my former landlord explained to them MULTIPLE times that I was not allowed to have mail UNLESS pre-approved to do so and they CONTINUE TO LIE on top of EVERYTHING else. I was going to repay the debts out of XXXX, but Upgrade the original creditor CLAIMED that COULD NOT accept payment for the personal loan account, I called them in XXXX to arrange payment having spoken to SEVERAL representatives, they claimed they were investigating the account for my debt forgiveness/repayment plan and THEY LIED ABOUT SELLING THE PERSONAL LOAN to XXXX XXXX XXXX XXXX in which they sold my credit card account that I had with them as well. I opened the accounts to rebuild my credit and I was going to use the credit card as make a down payment on a vehicle that I wanted to acquire and go from there. I had EVERY intention of repaying this debt and NO intention of this situation escalating to a financial situation that was BEYOND my control. This issue has triggered my XXXX and other mental health issues causing me to be on medical leave and five medications. This issue HAS ALSO made me want to XXXX XXXX SEVERAL times. I have NO money for therapies as I am trying to get back on my feet with stable income, a place to live and a vehicle. 

Thank you for your understanding and attention to this matter. 

XXXX XXXX
Product: Debt collection

On XX/XX/2020 I got some calls on my cellphone. I goggled the phone numbers and they came back to Portfolio Recovery. The latest call was at XXXX XXXX at night PST. 

They do not have my permission to call this late. They have been calling from numerous numbers which they keep changing for a debt that is 6 years old.
Product: Debt collection

On XX/XX/XXXX, I was admitted to XXXX XXXX XXXX for a XXXX XXXX, resulting in a few stitches, nothing more. Here, they did not run my medical insurance, they did not ask me if I had insurance, or care to check records. At the time, I was so focused on my severe pain that I did not think to take out my insurance card, but then again, remembering to run my own insurance while in severe pain is NOT my responsibility as the patient. It is the hospitals sole responsibility. I assumed they had my insurance on file as I was sent home without a bill included in my discharge papers. 

Well over 3 years later, I received a bill for {$5200.00} from Certified Credit & Collection in XXXX XXXX, NJ. When I first called this collection agency in XX/XX/XXXX, I asked for an itemized bill, because I was concerned with what this was about. After all these years, I thought my insurance took care of this bill. Naturally, I asked if my insurance was ran in XXXX. This is when my account representative, XXXX, ( Possibly XXXX, they are hard to understand ) told me that my insurance was NOT ever ran by the hospital. This is the first time I became aware of this information, on XX/XX/XXXX. My account representative told me she would reach out to the hospital for notes. And ever since that conversation, I have tried to reach out to my account representative more than 6 times for said hospital notes. I was told I would receive a call back every time I reached out, and I never have. I have been following up daily and I get no feedback. 

In fact, the more that I follow up, the more angry and rude this agency becomes. This agency has used abusive language with me, today XX/XX/XXXX at XXXX, saying that " I lied '' and that " they try to call my but my phone is disconnected ''. My phone number has never been disconnected since I obtained it over 15 years ago. That is 100 % false, an intimidation tactic, and predatory. Especially because I have documentation from XXXX of incoming call logs with no call coming from them, and I have documentation from XXXX of outgoing call logs with multiple calls from me to their agency. I also have documentation from XXXX that my phone has not ever been disconnected or shut off. 

Additional from the abusive language from this agency, to my knowledge, this debt is no longer collectable and they should not be contacting me about it. It has been over 3 years without running my insurance on their end, thus a medical insurance claim can not be filed. And according to my insurance agency, this debt is the sole responsibility of the hospital now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried Experian product Experian Boost. Experian falsely advertise Experian Boost only looks for utility bills like cable, light, gas, phone and water bills. On XXXX XXXX Experian Boost put a rental agreement on my credit report causing a 30 point decrease in my credit score. Sent document of my credit report showing Experian Boost has added XXXX XXXX to your credit report. For {$780.00} plus {$1000.00}. 
Experian Boost illegally open a XXXX XXXX account in my name called XXXX XXXX. I have tried several times asking Experian employees and supervisor to remove this account and give me back my 30 credit points. They tell me it is impossible for Experian Boost to add the account even when they see it on my credit report. 
The way Experian Boost work you go to the website you enter your credit card number the system search for the bank and utilities in your name then it will give you some credit points. It does not allow an individual to add any other information not even your name. 
Experian told me to ask the company to remove it. I did but they state they can not because they did not add it on my credit report. 
Experian keep stating to me they do not know how Experian Boost added the fake account to my credit report but they are not going to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently reviewing my credit report I noticed several inconsistencies regarding the account US DEPT OF EDUCATION - XXXX ) in the ( Date Opened : ) & ( Last Reported : ) ( Date Last Active : ) ( Date of Last Payment ) section. XXXX is reporting date XX/XX/XXXX status, XXXX is reporting date XX/XX/XXXX status and TransUnion is reporting XX/XX/XXXX dates can't be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. Below you will find a screenshot of the account. Account Name :
Product: Vehicle loan or lease

filed XXXX  XXXX in XXXX, Santander who holds the loan for XXXX XXXX XXXX, that was purchased in XXXX, refuses to disclose any account information to me, I have called several times, and have spoken with different people, I received an email from my attorney on Thursday XX/XX/XXXX to reach out to them and I did, talking to XXXX ID # XXXX, she informed me that she did not have to disclose anything, in the email from the attorney I am being told, that a " motion to dismiss '' is being filed, and I do not know why this is happening, I do know I have paid more on these car in the past three years than would have been recovered in a XXXX  XXXX, also, in XXXX Santander was sued due to high interest rates ( mine was 28.9 % ) that was charged and in the settlement people accounts was closed or interest rates made was modified, ( mine was modified in XXXX when bankruptcy was filed ) I was told I would not receive information on that either in the settlement, it states that if the car repossessed ( and mine was ) that we should have been notified and I was not, I filed to get my car back and get back on track with payments. If the " motion to dismiss '' my case is granted, Santander is stating money is owed and this is impossible, payments was made prior to the bankrucy and three years later are still being paid.
Product: Credit reporting

I disputed, with all XXXX reporting agencies, items I feel are not being reported legally or are erroneously reported.I attached all of the dispute letters. They, agencies, have not delivered or supplied any or all of the information that was transmitted to the data furnisher as part of the investigation, as required by FCRA. I demand these inaccurate and or incomplete items to be removed from my files immediately. 
Thank You. 
XXXX
Product: Money transfer, virtual currency, or money service

I invested in cryptocurrency and was trying to withdraw my funds. First they informed me I need to pay a mining fee. I paid that. Then they informed me I need to pay a security fee.
Product: Credit reporting or other personal consumer reports

My payment history usually doesn't reflect late payments like these.
Product: Credit reporting or other personal consumer reports

Its really disheartening to see unauthorized inquiries on my credit report today, and Im baffled as to why this happened. I checked my credit report as I normally do, only to find these discrepancies out of nowhere. Refreshing my browser didnt help ; the inquiries were still there. I request that you carefully review the documents Ive submitted so I can stop worrying about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to inform the CFPB that my rights have been violated by this consumer reporting agency. In a correspondence to Experian, XXXX of XXXX, I requested proof of my consent regarding the sharing of the following accounts ; XXXX XXXX XXXX  account number XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  account number XXXX As of today, I have not yet received a any proof of my consent regarding the sharing of the above accounts. According to 15 U.S.C 6802- Obligation with respect to disclosure of personal information ( B ) the consumer is given the opportunity before the time of, that such information to be disclosed. to such third party. and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option, in a correspondence to the consumer reporting agency.
Product: Checking or savings account

I have a 360 Capital One checking account that has not received my employer check direct deposit. Funds are typically available early but they have still not been received as of the check pay date. They claim to have a technical issue with their vendor, but this has been ongoing for over 48 hours.
Product: Mortgage

I paid off my TCF Bank mortgage in XX/XX/XXXXand obtained a home equity line of credit from XXXX XXXX in XX/XX/XXXX. I am currently in the process of asking for an increase in my HELOC with XXXX XXXX   During the application process we had found that TCF Bank had placed a second lien on my property without my consent and I need to show my home as free and clear. Please provide me with a direction of how I can get this accomplished.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX Account # 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