23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/2020, I had received notifications from each credit reporting agencies as well as other vendors such as a bank, XXXX  XXXX  and XXXX XXXX, to just name a few, regarding the significant decline ( > 40 ) of my credit scores. 

I had contacted Navient ( student loan lender ) on XX/XX/XXXX and XX/XX/2020, regarding the decline of my credit scores, and the comment that a remark has been removed from my credit reports caused the decline. I was informed that all of my accounts are in good standing and a few of my loans are currently in forbearance due to COVI- 19, and I have a couple of accounts are in a grace period. I was informed to contact the credit reporting agencies because it is the credit reporting agencies who has the ability to make a decision regarding my credit scores. I had informed the representatives that I had contacted the reporting agencies and I was informed to contact Navient. I had requested for this matter to be investigated but was told that noting can not be done because all of the accounts are in good standing and this is has been reported to the reporting agency. After expressing the concerns I have and the request for Navient to advocate on my behalf, I was than informed that I can only make a complaint via writing a letter and sending supporting documents to Navient compliant departments. 

XXXX  submitted a dispute on one account but I was told that I can not dispute the other accounts due to the fact that all accounts are in good standing, but I was informed to contact Navient regarding my concerns. XXXX provided the same recommendation but I was informed to contact Navient and the Board of Education. I contacted the Board of Education and was informed to contact the reporting agencies and Navient. Each party stated that my credit scores should have not declined so significantly, as all of my accounts are in good standing and are either in forbearance or in a grace period. 

Since I was told that I could not submit dispute regarding my credit scores because of the reason above, I did not move forward to dispute with XXXX. For XXXX, there is no option to dispute my credit scores. 

I have made attempts to resolve my concerns but have been recommended to call each parties, with no solution. 

Thank you for your time and patience to assist me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit line with XXXX XXXX. It was suddenly reduced from XXXX to XXXX because XXXX Bank punished me for not having information it never asked me to provide in the first place. I called XXXX Bank to dispute but was directed to TransUnion. XXXX Bank said it would return the credit line if it received notification from TransUnion.TransUnion did not have a live person to speak to, but only directed to an automated appeals portal. The automated portal only kept sending me credit reports which appear on my credit report affecting my credit score. The automated appeals portal did respond to my inquiries. It was became a closed loop, systemically pushing me into a worse credit score through reducing my credit, tacking on credit reports and not providing dispute help.
Product: Credit reporting or other personal consumer reports

Reporting a credit card account not confirmed : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reporting balance effecting credit scorez ; however, the loans are in deferment status and should report a XXXX balance negative impacting the student credit score. I am currenlty a student and all student loans are deferred for 12 months or more. My mortgage application date will conflict with my current credit score harmimg my goal to buy a home fairly. The deferment isn't due to financial hardship, lenders may not include the payment in the DTI calculation. 

DEPT OF ED/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

This card was not opened by me. I disputed it with XXXX and they say it is legit. I did not open it. I have not received a card and at this moment nothing has been charged to it. Please help close it before it is used by someone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was supposed to remove negative info from credit reports per the CFPB investigation they did not! XXXX XXXX requested they remove and they did not " The original placements provided by our client were submitted in XXXX XXXX. Additional placements were sent in XXXX and XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Each placement was followed by a letter to XXXX XXXX at the address indicated in the complaint. There has not been any returned mail received from these mailings. Each notification letter includes complete instructions on how to submit a dispute regarding the balance due. Additionally, despite multiple attempts to reach XXXX XXXX by phone there has been no positive response to any calls. He is claiming that XXXX has refused to accept payment arrangements but the file notes from XXXX indicate he would follow up with his insurance. There are no file notes between XXXX XXXX, XXXX and XXXX XXXX, XXXX when he disputed his credit report tradelines and XXXX confirmed the information to be accurate. As our client has requested the file be closed, the related tradelines will be recalled from XXXX XXXX credit report ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX Date Updated : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Credit reporting or other personal consumer reports

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 ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/year> ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXXXX/XX/year> 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 I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask 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: Debt collection

Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) XXXX  XXXX are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and this company " XXXX XXXX " both are reporting a fraudulent account on my credit report that doesn't belong to me as a result of identity theft. I tried disputing it multiple times on XX/XX/XXXX and XX/XX/XXXX with Equifax, and it was verified. Also, I proceeded contacting the company directly on XX/XX/XXXX with the information Equifax and XXXX supplied, and the United States Postal Services returned the letter stating, RETURN TO SENDER/MOVED LEFT NO ADDRESS/UNABLE TO FORWARD. Therefore, it's no way Equifax had properly did their job.
Product: Consumer Loan

My husband and I had an auto loan with Toyota Financial Services since 2010. It has since been paid in full as of this year. Our credit history with them has been nothing less of perfection up until the last few months of the loan. There were several attempts on our end to make payments electronically as we had been for years. We received letters from Toyota Financial ( 3 of them ) apologizing for not being able to process our payments, even though funds were available. Due to this technical issue, our account became delinquent and recorded at 90 days late. Toyota Financial was able to remove one, but pointed us to the direction of their credit repair department ( whom you can not speak with and can only submit letters to ) Out of desperation, we wrote to them and apologized for the issue, though not being our fault at all, and requested they remove the negative information as my husband is unable to obtain a qualifying job position due to his credit report ( only negative info is from Toyota ) We have been dealing with this for over 3 months now with no resolve. Now, my family is dealing with the financial burdens of my husband being unable to secure a job due to this issue. We have a XXXX month old daughter XXXX.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to bring to your attention a matter of extreme concern and frustration regarding the persistent issues I have faced in removing a late closed and charge-off status on my financial records. 

Despite my repeated attempts to address and rectify these issues over the past several months, the challenges persist, negatively impacting my creditworthiness and causing significant stress. I am seeking your immediate attention and resolution to this matter. 

Here is a summary of the steps I have taken to address these issues : I understand that resolving such matters may take time, but the prolonged nature of this issue has led me to escalate the situation formally. I kindly request a thorough and expedited investigation into the root causes of these problems and the implementation of corrective measures to rectify and remove the late closed and charge-off status promptly. 

If there are specific documents or information required from my end to facilitate the resolution process, please communicate those requirements at your earliest convenience. I believe in fair and accurate reporting practices, and I trust that Credit Bureaus will take immediate and necessary steps to address and rectify these issues. I am asking for your assisstance to remove these accounts in my credit file : XXXX XXXX XXXX  XXXX Balance : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX. XXXX XXXX Balance : {$810.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX. XXXX XXXX XXXX Balance : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Credit reporting or other personal consumer reports

To all the credit berau XXXX EQUIFAX AND XXXX, recently they have been into a settlement for doing all this kind of fraud by not removing information that is not mine of my credit report as this 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. All this inquiries are fraudulently done and needs to be removed of my credit report
Product: Credit reporting or other personal consumer reports

M & T bank shows I am making installment loan payments. I do not have an account with M & T bank. It shows a balance of {$13.00}, XXXX
Product: Money transfer, virtual currency, or money service

The name of the company is Gemini Exchange and Trade. I sent a wire transfer of {$5000.00} into an account with Gemini on XX/XX/year> and I transferred another {$1500.00} from another account. I have been trying to withdraw my funds from their exchange for 12 days and they will not release them. I have sent back every request they have asked for 5 times to prove my identity and they tell me that it is not satisfactory and I don't know what else to do. They are holding my funds for no good reason I think this may be fraud. I can supply Emails of what they asked for and what I sent but it is identity-proof information
Product: Mortgage

To shellpoint Regarding your response dated XX/XX/year> Your correspondence its extremely confusing and I dont understand. 
I have contacted your customer service and they have been unable to answer any questions in regards to it. 
Also have declined to transfer me to the compliance dept. 
they have even said there is not employee with the name on your correspondence. 
I have personally reply to you and ask you to contact me or someone that can explain and you have ignore those requests. 
So once again please have someone reach out to me in regards to the correspondence sent from your company to me on the indicated date. 
Customer service rep XXXX XXXX said she doesnt know anything and can not assist me with that.
Product: Checking or savings account

Withdrawals came out of account before deposits were applied. I contacted Wells Fargo about this several times and they refused to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I have been disputing the alleged debt Nationstar Mortgage , LLC claims their acting in the capacity as servicer for the XXXX since XXXX XXXX, XXXX. I 've reported complaints to the CFPB as well. Nationstar consistently submit fraudulent and false information. All the information Nationstar has sent to me and the CFPB has been contradictory. In an effort to get clarification on this alleged debt, I requested my FHA loan history data to compare it to what has been submitted to me and the CFPB. I 've attached the FHA Case Details sent to me on XXXX XXXX, XXXX. It further complicates the matter. The status of the alleged loan reported to the FHA is incorrect as well. I will be filing an FHA complaint with XXXX, Secretary and XXXX, Inspector General of the HUD Administration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax; XXXX  and XXXX  are reporting duplicate entries for a collection/charge-off in the amount of $XXXX   on the the XXXX XXXX – partial account number ****XXXX.  (Please see pages 6, 9 and 10 of the attached credit report.)  The duplicate entry of this account is seriously harming my credit score.  It is a violation of the Fair Credit Reporting Act to report in error duplicate entries on the same account.  Please remove this line item from my credit report.  I have contacted the (3) bureaus to remove this item however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I was served eviction papers because I refused to comply with an illegal removal from my rental home. The case went to trial in NC XXXX XXXX XXXX on XX/XX/2020 and was dismissed with prejudice. In summary, I won the case.
Product: Debt collection

i have another report on XXXX- the company is over 7 years, i argued with them several times the department of law confirmed my case and sent me a letter for the company to remove the report off my credit report, they are still showing up under collections, i want this account removed immediately, i have contact a attorney if its not immediately removed will attach my letter
Product: Credit card

On XX/XX/XXXX, I tried to purchase a bug deflector for my primary car for {$45.00} from XXXX using my XXXX card. It was declined so I used my American Express and the purchase went through. 

I had a feeling that this was not a legit website so I called American Express that night not to let the charge go through. They told me they could not cancel the charge since it was pending. I called the next day, XX/XX/XXXX to tell them to not let the charge go through. Unbenowst to me, the company kept charging my card around {$8500.00} The statements are so confusing I am not certain what they charged me. 

These transactions were all made in XXXX XXXX  and I have never been to XXXX and the website did not state they were going to take place in a foreign currency. Some of these charges were for XXXX XXXX XXXX XXXX. I live in XXXX, Ohio and have never been to XXXX nor have any known relatives or assiciates over there. 

On XX/XX/XXXX, I was communicating with XXXX XXXX as they asked me for more information regarding these transactions. I responded with everything I have and was told I would have to pay the full amount. I do get confused and was so flustered, I set up a payment plan with American Express. 

I was told on a phone call on XX/XX/XXXX that the above transactions do not count as fraud. The reason is that I gave them my credit card number, therefore it is a scam, not fraud. These are the terms American Express used. My son was on the call with me and said if we go to a restaraunt and the bill is {$100.00} and they charge {$1000.00} is not the same thing? They said it is not. 

I am a XXXXXXXX XXXX XXXX XXXX and am XXXX XXXX XXXX. I had to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I believe this indeed was a ) fraud and b ) elder abuse by American Express. I believe it is a fraud because I did not get what I was supposed to as well as being overcharged a lot of money. I believe it is elder abuse because they talk in their business language and sometimes I have trouble understanding. 

Thank you, XXXX XXXX XXXX - My son did help me write this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE 26 FRAUDULENT HARD INQUIRES ON MY REPORT ..PLEASE REMOVE THEM ALL.. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have worked hard on paying my debt with citi cards cbna, so I said will try to get another credit card with citi and I had called first to confirm with my debt. I tried on XX/XX/XXXX and also on XX/XX/XXXX And I was told both times that since I paid my debts off I should have no problem getting another credit card with citi. But I got denied twice now its on my credit inquiries with XXXX and XXXX XXXX. I need them to be removed from my credit inquiries from XXXX  and XXXX XXXX!!
Product: Checking or savings account

I had received a debit card from citi bank and it didnt work for a while and I called support to see what was wrong with it after a day or two my wallet is stolen and my card was in their and atm withdrawals were made that obviously look fraudulent and I opened a case about it to get my mine replaced I reported the card stolen Ive done everything I know to do and my case keeps getting denied and Im in dire need of my money being replaced it has put me in such a finically stressful situation please can you help me in any shape or form.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your Company agents/employees has and continues to cause me Defamation of Character by reporting this inaccurate, incomplete and false information Causing damage to my reputation and actual damages to me as I have been experiencing multiple credit denials and will hold your company liable in Federal Court if you fail to provide method of verification of these unverified accounts and must delete them if you can not provide proof per my rights under the FCRA. The CFPB article states your company are failing to follow the Federal Law and are cutting corners for your profit gain in which I will also submit as Evidence of your trend and failure to abide by Federal Law in Federal Court.