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

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/2XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/2XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX Date of Inquiry XX/XX/.
Product: Mortgage

XXXX- I spoke to a US Bank XXXX XXXX XXXX Loan specialist to discuss the options that I have due to losing my home with this mortage last year when a car drove threw it on XXXX. This young male representative from XXXX Bank XXXX XXXX not only refused to assist me but was argumentative and denied me any options for mortage assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I realized that someone used my personal information to obtain a mobile account. I realized that this happened in XX/XX/XXXX. This has caused me great XXXX and has made it difficult to obtain new credit. Due to the pandemic, I need to obtain credit to provide for myself and was unable to do so because of this discrepancy on my report.
Product: Credit card

BEST BUY SCAMMED ME OUT OF XXXX and RUINED MY credit!!! I called XX/XX/2024 notifying them that these charges were not made by me and yet they still ruined my credit and arent doing ANYTHING to remove it off my credit! I will speak to a lawyer for this matter!
Product: Debt collection

XX/XX/XXXX : received letter stating XXXX XXXXl , XXXX was willing to settle debt at 50 % of balance owed.

XX/XX/XXXX : called XXXX  XXXX  to settle for the 50 % XX/XX/XXXX : received another letter demanding final payment for the remaining 50 %, called XXXX XXXX to resolve issue and informed them that if i continued to receive any sort of correspondence from them I would report them and have the payment made recovered from my bank. I was informed that they would notate my account and I would no longer receive any correspondence from them in regards to said debt. All letters have ceased up to this point.XX/XX/XXXX : received multiple calls in which no one was on the line.

XX/XX/XXXX : received multiple calls in which no one was on the line again.

XX/XX/XXXX : received call in which the person on the other end refused to inform me as to what the call was in regards to unless I provided him personal information to verify my identity. I refused to supply the person with any information as he would not give me any information and I wasn't giving out personal information until he verified why he was calling or who he was with. Did a phone number search and found that it was XXXX XXXX. Called back spoke with a woman who said that her supervisor would be notating my account to show that the account was closed, I would no longer receive any correspondence from the company and that after 28 days of making said payment the account should have been closed.

I feel that they are using harassing tactics to scare people into paying the entire amount even after offering a settlement. They refuse to verify who they are and what the call is in regards to. If I hadn't gone through this with a similar company I wouldn't know that this is unacceptable behavior, other people may not know that this is not ok and end up paying XXXX  XXXX more money because they're scared that it won't be resolved unless they make another payment. If a settlement is offered and you accept that you should no longer be receiving any correspondence from XXXX XXXX  other than a letter stating account is settled.
Product: Credit reporting or other personal consumer reports

I went to my mortgage company to get a HELOC and I was advised that I already had a 2nd mortgage on my home that I WAS NOT AWARE OF. The loan I got was supposed to be a personal loan to get solar panels not a 2nd mortgage. My XXXX reports show Enium in 2nd position and it can not be for me to get a HELOC. Enium that is handling the loan for the solar panels was supposed to be {$28000.00} but it is now showing an additional charge of {$350.00} for permits that XXXX XXXX was supposed to take care of. I was not aware that the loan for the solar panels was going to be a 2nd mortgage. I feel I have been taken advantage of, I am in my XXXX 's. I am on a fixed income and can not afford this. As an elderly person I feel that I have been misled with the whole situation. XXXX XXXX showed that I should receive incentives and I have never received them.
Product: Mortgage

NewRez customer service representations continue to provide incorrect and untrue information to mortgage holders. On XX/XX/12, I called NewRez customer service to arrange a check to be mailed out for half of XXXX and XXXX payments. The representative stated no payments were showing for XXXX. This was untrue as I had sent a check overnight to NewRez which they received and applied to the mortgage according to my bank. I told the representative this information and the representative repeated no payments were showing in XXXX. Having dealt with NewRez customer services inconsistency before, I hung up and called back where I spoke to another NewRez representative who confirmed that XXXX payments had been received and applied. This is a continuing problem with NewRez customer service. Incorrect and untrue information continues to be told to mortgage holders. This is in addition to a previous phone call when a NewRez representative stated notes showed I had make a payment over the phone which was also untrue. All of my payments have been made online or by mail.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I ordered my Way2Go recieved debit card 3 weeks ago and still havent gotten it in the mail and i need a replacement card sent to my mailing address
Product: Vehicle loan or lease

I feel Like my lender took advantage of me and took out a loan on the car that way exceeded the value of the car. Financed it at a very high interest rate with extremely high fees. Im unable to refinance my car after multiple attempts. They were definitely not looking out for me when I took out the loan. I feel like its predatory.
Product: Student loan

Loan Servicer : Fed Loan Services Loan Program : XXXX XXXX Under the new XXXX rules, I submitted a new employee eligibility form for time period running from XXXX ( XXXX XXXX XXXX 's XXXX XXXX XXXX This was previously unreported employment/payment period. 

XXXX I contacted the provider via email for an update. The email was acknowledged via auto reply, but no written response was ever sent. 

XXXX I contacted the provider via email for an update. The email was acknowledged via auto reply, but no written response was ever sent. 

XXXX Received updated payment calculation and employer credit. No indication that the XXXX employment period was considered. Qualifying payments were not increased and my expected eligibility for XXXX increased into XXXX. 

XXXX Submitted XXXX employee eligibility form a second time for evaluation. 

XXXX Received updated payment calculation and employer credit notice. The approved begin date for the employment period XXXX was incorrectly calculated ; the servicer listed the approved employment as XXXX. As a result, I again received no credit for payments beginning in XXXX. My anticipated XXXX eligibility date increased to XXXX. Prior to the submission of the expanded employment time frame, the expected date was XXXX. I contacted the provider via email regarding the error. The email was acknowledged via auto reply, but no written response has been received to date.
Product: Student loan

On XX/XX/2023, I made a {$40000.00} payment to Aidvantage for my student loans. I received a payment confirmation email from Aidvantage shortly after which states " This email serves as confirmation of your payment ''. I noticed after several business days later that the money had not left my bank account. Out of concern, I checked the Aidvantage online platform inbox ( I did not receive e-mail notice from Aidvantage of this ) and noticed an a message of a " Payment Reversal '' from XX/XX/2023 saying my payment was rejected because my bank account was not found/located. I called Aidvantage support and was told my bank account was not found likely due to me putting in the wrong account/routing number when making the payment. I then asked if they could provide me with account and routing number which was used to verify this and they would not provide me with this information. I can see that the Aidvantage platform online has the information of my bank account provided by XXXX when I select an account to pay from, so I did not input the wrong account information when making the payment. By this point, the payment I intended to make has been deemed as a missed payment/deliquency and I have accrued all of the interest from the loans which were supposed to be fully payed off. 

I have also found several other complaints online of Aidvantage reversing payments multiple times claiming that account numbers where wrong when users claimed to have double checked all of the banking information causing them to accrue unwarranted interest.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX a consumer has asked the 3 major credit reporting agencies to update the correct the inaccurate, incomplete, and incorrect information showing on my credit reports. I have sent them letters on several dates XX/XX/2023, XX/XX/2023, XXXX, XXXX and Experian have completely disobeyed FCRA, they have not removed personal information that needs to be removed immediately such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX La. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX. XXXX. 
I am begging that you rove the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. So, I am requesting that all of this inaccurate information and mistaken identity be removed for my credit report immediately.
Product: Checking or savings account

It happened twice, around XX/XX/XXXX and XX/XX/XXXX, account is currently inactive because of over draft fees.
Product: Student loan

I need to get lower payments and it is not working. I am XXXX years old and still owe over {$60000.00}! I tried to get some kind of partial forgiveness or a better plan for my federal loans.I am a XXXX and was denied an educator lower payment!
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

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

they were my money to clean my credit and the same thing stay on my credit
Product: Credit card

Refer to the attached documents. I am formally requesting the bureau to begin an investigation into these accounts, as they erroneously indicate late payments, which is not reflective of my payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, I had a collection agency, XXXX XXXX XXXX XXXX " PFS '' ) place a collection account on my credit report for {$310.00}. The original creditor is XXXX XXXX XXXX XXXX " XXXX '' ). The invoice was for my son, XXXX XXXX XXXX, not me. We notified XXXX and XXXX, however no change has been made to my credit report.
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  Account XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXXXXXX Account XXXX, XXXX XXXX  Account XXXX, XXXX XXXX XXXX  Account XXXX, XXXX, 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
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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: Money transfer, virtual currency, or money service

My account was restricted on XX/XX/XXXX due to unusual activity and stated by XXXX " No Actions Needed ''. {$16000.00} was restricted from use or withdraw starting XX/XX/XXXX. As soon as i got the notice, I called and informed them all recent activities were completed my me. I even voluntarily uploaded a selfie with my ID via email. I was told the restriction will be reviewed and lifted by XX/XX/XXXX. As of today, it has pushed to XX/XX/XXXX. I have sent many emails but their responses were " will provide an update asap ''. They have not extended a legitimate reason on why it takes so long for the restriction to be lifted. All of my savings are in this account. It has been extremely hard financially.
Product: Credit reporting or other personal consumer reports

Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am entitled to certain rights with regard to this account, and I am seeking your assistance in ensuring that these rights are upheld. 

Account Details : Name : XXXX XXXX Account Number : XXXX Collection Agency : XXXX XXXX XXXX Date of Initial Collection : XX/XX/2023 I believe that the FCRA allows me to request the following information regarding the aforementioned collection account : Verification of the Debt : Please provide me with detailed information verifying the existence and validity of this debt. 
Copy of Original Contract : I am requesting a copy of the original contract or agreement that supposedly gave rise to this debt. 

Payment History : Please provide a comprehensive payment history for this account, including details of any payments made, charges, and interest.

Name and Address of the Original Creditor : Kindly furnish me with the name and mailing address of the original creditor associated with this debt. 

Proof of Ownership of the Debt : I am entitled to see proof that the collection agency indeed owns the debt and has the legal right to collect it, which should include a signed application with the consumer 's wet ink signature.

I understand that, under the FCRA, I have the right to request this information, and the collection agency is obligated to provide it. Moreover, I am aware that the collection agency must cease collection activities until this validation process is complete. 

Please consider this letter as my formal request for the information mentioned above. I kindly request that you forward this request to the collection agency involved and provide me with a copy of the validation response within the statutory time frame specified by the FCRA, which is usually 30 days.
Product: Credit reporting or other personal consumer reports

Unauthorized Hard Inquiries : XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX Bank XX/XX/XXXX ; XXXX Card : XX/XX/XXXX Frivolous, Undeliverable address is : XXXX XXXX XXXX, XXXX, NC XXXX I am filing a complaint regarding unauthorized credit inquiries that are appearing on my credit report for : I did not authorize these inquiries, nor have I provided consent for any credit applications or related actions that would warrant such activity. These unauthorized inquiries are negatively impacting my financial standing. I have contacted each Furnisher to address this matter, however, I have not received an y resolution. I requested wet signature applications and proof of authorization. I am requesting an investigation from the Consumer Financial Protection Bureau about the listed unauthorized inquiries, take actions to ensure theyre removed, and to prevent further unauthorized activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016, there was faulty toilet flapper, that caused flooding in a bathroom and {$1300.00} damage. We had our lawyer to respond back to the XXXX manager after they wanted us to pay for the damages with a letter letting them know we are not responsible and stated that they are responsible under Landlord. Act ( RLTA ) RCW 59.18.060 ( 8 ) that the Landlords duty to maintain plumbing, electrical etc. to keep it in good working order.
Product: Debt collection

I sent a debt validation letter that they received and they have not verified the debt but continue to call.
Product: Credit reporting or other personal consumer reports

Method of verification FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY I request an immediate response of the verification source of information used in order to return " verified '' response to the last CFPB complaints filed with each credit bureau. Under the FCRA 611 ( 15 U.S.C. 1681I ). I demand to receive from Experian, Transunion, and Equifax the source of verification used by these companies, or delete all those contested items from the credit report. Otherwise, these companies will have to compensate for all the denials attributable to the contested items in question for willful noncompliance and negligent noncompliance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX Balance : {$18000.00} XXXX  XXXX Balance : {$22000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$430.00}
Product: Credit reporting or other personal consumer reports

I have a lot of late payments, incorrect balance on all three credit bureaus XXXX Equifax and XXXX incorrect collection attempts
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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