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

I did not Authorize the following inquiries on my credit report. 
XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

XXXX Acct # XXXX XXXX Acct # XXXX XX/XX/XXXX XXXX XXXX Acct # XXXXXX/XX/XXXX Acct XXXX XXXX XXXXXX/XX/XXXX Acct # XXXX XX/XX/XXXX Acct # XXXX
Product: Student loan

My student loans are serviced through Navient. I have a repayment plan with consolidated federal direct loans that is income driven. The only problem with that is that this plan does not take all of my other debt into account. They strictly ask for income and never ask for existing debt. I have a mortgage, two car payments, and multiple credit cards to pay as well. There is no way I can afford a {$400.00} a month repayment plan. I owed {$49000.00} in student loans when I graduated in 2012 but have had to forbear my loan repayment since then because even on income driven repayment I can not afford it. I WANT to pay my student loans back but now I owe almost {$80000.00} in student loans because of interest. My husband and I both have two jobs, how is this even fair? Even when I call them and complain repeatedly that I can not afford it they will not take my existing debt into consideration. How am I ever supposed to repay them? Now I am out of forbearance all together and I can not pay my monthly amount. Do I just wait for them to start garnishing my wages? If I can't afford it now, how am I going to be able to afford that? Then how do I pay my mortgage? Car payments? Credit card payments? How can they get away with only considering income and not considering debt? There is no way I can work any harder than I already am. IT is super stressful. Is anything being done to revise how they handle student loan repayment with Navient? I am sure that I am not alone in this struggle. Please help.
Product: Debt collection

I requested on  XX/XX/2019 that Afni send me validation bearing my signature of a collection account that they place on my credit report claiming i owe XXXX Which i don't recall ever having an account that i owe XXXX to Afni nor XXXX. On XX/XX/2019  Afni sent me a letter of verification and not Validation bearing my signature . Included in this letter it was stated that the Current Creditor of this account is XXXX . On XX/XX/2019 i sent Afni another letter asking for the validation since they say that I owe them. ON XX/XX/2019 Afni did not provide me Validation once again bearing my signature. Also this Letter stated that the Current Creditor is XXXX and that Afni will now cease in further communication with me regarding this account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I marked inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There's a whole other name " XXXX XXXX, XXXX " and unauthorized accounts attached to my credit data / file, and I'm demanding that this other name inwhom is not mines and these accounts are removed immediately. As a consumer I'm entitled to consumer rights and protection against the 3 major credit bureaus as stated within the FCRA. I'm also demanding that all the addresses on my credit report be removed, all except the one that's on my id see the attached. Again please block the unauthorized name and these accounts on my report. 

1 ) XXXX XXXX XXXX ... XXXXname 2 ) XXXX XXXX XXXX {$3200.00} 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX 5 )  XXXX XXXX XXXX {$4200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Request for Deletion of Fraudulent Hard Inquiries from TransUnion Credit Report Dear XXXX XXXX I hope this letter finds you in good health. I am writing to bring to your attention a distressing situation I have encountered involving fraudulent hard inquiries on my TransUnion credit report. As a victim of identity theft, I kindly request your assistance in rectifying this matter by promptly removing the following fraudulent hard inquiries from my credit report : XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX  Auto Loans XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, Used XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX  XXXX  XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXe XXXX  XX/XX/XXXX TransUnion I can assure you that I have not authorized any of the aforementioned inquiries on my credit report. The appearance of these unauthorized hard inquiries is not only distressing but also jeopardizes my financial standing and overall creditworthiness. The impact of these fraudulent entries has caused me significant concern and stress, and I seek your intervention to rectify this situation.

As a responsible consumer, I have diligently monitored my credit report, and it was through this vigilant practice that I discovered these fraudulent hard inquiries. I immediately contacted TransUnion and submitted a formal dispute with supporting documentation, but I have yet to receive a satisfactory response. Hence, I am turning to your esteemed organization, the Consumer Financial Protection Bureau, for assistance in swiftly resolving this matter.

I kindly request that you conduct a thorough investigation into these fraudulent hard inquiries and take appropriate action to remove them from my TransUnion credit report. I have attached relevant supporting documents.

I am more than willing to cooperate fully with your investigation and provide any additional information or documentation that may be required. I have faith in the Consumer Financial Protection Bureau 's commitment to consumer protection, and I am confident that you will act promptly and decisively to rectify this injustice.

Please inform me in writing of the actions taken and the outcome of your investigation. I kindly request that you communicate any updates or resolution to the address or email provided above. I eagerly anticipate a swift and favorable resolution to this matter so that I can restore the integrity of my credit profile.

Thank you for your attention to this urgent matter. I am deeply grateful for the work you do in safeguarding the rights and interests of consumers. Your support will not only bring me immense relief but also reinforce my trust in the financial system 's commitment to consumer protection. 

Yours faithfully, XXXX XXXX
Product: Mortgage

We applied for a pre-approval through this lender in XXXX of this year, after credit review, we were issued a pre-approval letter and we 're told that we would then have to find a home and once the purchase agreement was signed, we can move on to the next step. Also, we were told as long as we paid a collection, XXXX credit cards, and a judgement, and it was all done before closing we would be just fine. We finally found a house and signed the agreement in XXXX. I had then gotten an alert that my credit was pulled again. When asked, the lender said the initial pull was just a soft pull and that we were 1 day too late to do a trimwrgr, therefore he had to pull our credit again. For some unknown reason, our credit scores had dropped significantly. He then had to choose a different lender than he had chosen previously. Now comes the day to go in and sign papers. The purchase price of the home was $ XXXX and we were told that we needed to add an additional $ XXXX to cover fees and costs. We did n't really know what that was all about, but we 're told to trust him and he would explain. During application signing we were told that the additional funds were to pay for 1 year HOI and property taxes, etc so we signed and then came another paper. On top of the $ XXXX they had added an additional $ XXXX, which was their cost to do the loan, this was not disclosed to us prior to signing. Asking around, we had people telling us to negotiate that, b/c it seemed like a very high fee. Now that papers had been signed we were ready to move forward. Everything was getting paid and proof was being sent. We were told the underwriter needed to not only need proffered of payment for the judgement, but also needed it pulled from our report. Which brings the XXXX inquiry on our credit. Once that was completed he was informed by the lender that it was not pulled off of all XXXX bureaus, so we had to fix that and we should be good to go. Which brings on a XXXX inquiry. After that was completed we received an approval and a move forward on ordering the appraisal. We submitted the payment, which was taken out twice, and the next day we received an email from our broker stating the loan has now been turned down due to the fact that the judgement was not paid for over a year. This has now turned our entire world upside down. This has not only affected our credit, but has also negatively impacted our family. We did n't sign a new lease with our current home, knowing we were moving, and also switched our sons school b/c we were moving into that district, being told the entire time we were to trust this person and we were going to be moving into our home in the next 30-45 days. Our scores have dropped over XXXX pts and have contacted several banks to help us, to now only be told there is nothing we can do.
Product: Mortgage

Our mortgage loan is serviced by The Money Source. This mortgage was bought from XXXX XXXX XXXX. We do not have any late payments nor any delinquencies. Here are our complaints : 1 ) The escrow payments from XXXX XXXX XXXX has not been transferred to The Money Source. They have not worked on getting the escrow balance from the previous mortgage company to ensure that our property tax that is due by XX/XX/XXXX is paid. 

2 ) Our closing documents show a monthly payment of {$4200.00}. And this amount is the same amount that is reflected on the monthly statements issued by The Money Source. HOWEVER, they are crediting our bank account {$5600.00} starting today. I called them today and I was told that they are not aware and have not worked on getting the escrow balance from XXXX XXXX XXXX. This is the reason why they are increasing our monthly payment without notice. Apparently, they just made the escrow analysis on XX/XX/XXXX, and that shows they should credit our bank {$5600.00} today, XX/XX/XXXX. 

As I am currently talking to them now, I am being told that they will put a hold on monthly payment until they resolve this issue. I am still filing a complaint because they should be notifying us of any change in monthly payment or any result of escrow analysis. Secondly, I am very concerned if our property taxes will be paid timely by the end of the month.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my credit report was pulled by Discover Financial Ser and this was not by my consent. 
I would never try to apply for any Discover services and I have never been interested in doing so. 
This caused my credit score to drop since it was a hard inquiry. I have tried numerous times to get in touch with this company, with no outcome. 
I am not sure as to why Discover is on my credit. My parents had an account with them before they passed away and I did have the same home address as them. So I believe this company ILLEGALLY pulled my credit, since I would NEVER even consider them to have credit with. 
I need this taken off of my credit report. 
-- -- XXXX XXXX has pulled my credit so many different times and I have contacted them with letting them know I have never put in for a loan from them and to take it off of my credit report, with no help from them.
Product: Money transfer, virtual currency, or money service

VIOLATION OF THE GRAMM-LEACH-BILEY ACT OF XXXX XXXX CITIBANK TORT COMMITTED BY CITIBANK AGAINST XXXX XXXX ON XX/XX/XXXX THROUGH PRESENT I WOULD LIKE THIS CONSUMER PROTECTION BUREAU TO INVESTIGATE THE TORT CITIBANK HAS COMMITTED AGAINST ME. 

I WIRED MONEY TO MY XXXX XXXX INVESTMENT ACCONT WHICH IS LOCATED AT CITIBANK. I SENT THE FUNDS OF {$4500.00} FROM MY CHASE CHECKING ACCOUNT. 

XXXX SAID IT WAS SENT SUCCESSFULLY BUT XXXX XXXX DID NOT RECEIVE IT. THE NEXT WEEK WOULD TAKE HUNDREDS OF CALLS TO TRY AND TRACK DOWN MY FUNDS TO NO AVAIL. 

FINALLY CITIBANK HAS COMMUNICATED TO XXXX THIS STATEMENT/QUOTE/ IN ACCORDANCE WITH OFAC GUIDELINES. 
PLEASE PROVIDE THE BELOW INFORMATION FOR XXXX XXXX IN THE REMITTER PAYMENT DETAILS FIELDS. 
. 
FULL NAME AND FULL ADDRESS OF THE INDIVIDUAL GENERATING THE HIT, INCLUDING CITY AND COUNTRY DOB OF INDIVIDUAL POB OF INDIVIDUAL PROOF OF CITIZENSHIP DESCRIPTION OF RELATIONSHIP BETWEEN ORIGINATOR AND BENEFICIARY DETAILED PURPOSE OF PAYMENT FULL NAME AND ADDRESS OF INDIVIDUAL 'S EMPLOYER, INCLUDING CITY AND COUNTRY ( IF APPLICABLE ) COPY OF INVOICE ( IF TRANSACTION IS COMMERCIAL IN NATURE ). 
FUNDS WILL BE HELD AWAITING YOUR URGENT REPLY. 
PLEASE ATTACH ANY NECESSARY SUPPORTING DOCUMENTS IN RESPONSE TO THIS MESSAGE REFERENCING OUR CASE NUMBER. 
FAILURE TO PROVIDE THE REQUESTED INFORMATION BY XX/XX/XXXX MAY RESULT IN THE FUNDS BEING REJECTED OR BLOCKED BY CITI. 
/UNQUOTE/ Please provide the above mentioned details as soon as possible to avoid any further delay of your payment. For all correspondence pertaining to this case please be sure to quote our XXXX XXXX XXXX, N.A. reference in your reply. '' THIS IS A VIOLATION OF THE GRAMM LEACH BILEY ACT OF 1999 THEY DID NOT DISCLOSE MY RIGHT TO PRIVACY THEY NEVER GAVE ME THE RIGHT TO OPT OUT OF INFORMATION SHARING AND THEY DIDNT EXPLAIN THEIR INFORMATION SHARING PRACTICES WITH ME. 
I SPOKE WITH XXXX IN THE WIRE DEPARTMENT WHO WOULDNT GIVE ME HIS LAST NAME. HE IS A TOUGH GUY BIG SHOT. SO I ASKED FOR HIS MANAGER XXXX THE WIRE SUPERVISOR EMPLOYEE ID XXXX I WAS SO RESPECTFUL WITH HER SHE WAS CORDIAL PROFESSIONAL AND NICE, AND MITIGATING RISK AS SHE SPOKE WITH ME. SHE DIDNT SAY ANYTHING OTHER THAN THEY ARE RETURNING THE FUNDS BACK TO XXXX ( WHICH HAS NOT HAPPENED AS OF THIS EMAIL ) SO LET 'S DO THIS BECAUSE OF THIS 100 'S OF THOUSANDS OF DOLLARS WILL BE SPENT BY CITIBANK AND OTHER GOVERNMENT INSTITUTIONS THAT WILL MITIGATE THIS FROM HAPPENING AGAIN TO OTHER XXXX 

FOR I AM A UNITED STATES XXXX XXXX VETERAN AND WE MUST LEAD BY THE FRONT CITIGROUP EXPECT A FEDERAL COMPLAINT FILED IN DISTRICT OF COLUMBIA CHALLENGING YOUR OFAC GUIDELINES INTERNAL POLICY. 

WE'RE GOING TO SEE IF XXXX XXXX WAS A GOOD HIRE FOR YOUR GUYS FROM XXXX. 

GET SUED SEMPER FI XXXX XXXX
Product: Credit card or prepaid card

I have notified Discover multiple time regarding this credit card they are charging me for I did not open it its not my signature and they still continue to put it on my credit report. I am a single mother in school full time and now my credit due to this is ruined.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate XXXX account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX Account Number : XXXX
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. 

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

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CT XXXX XX/XX/2020 Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX, IA XXXX To Whom It May Concern, Regarding our mortgage ( loan number XXXX ), your most recent mailing informs us that our payment suspension will end at the end of this month. This is in error as I have used your online form to extend the forbearance period another 3 months. Further, we have submitted your Authorization To Release Information Form nominating our attorney, XXXX XXXX XXXX, but we have received no acknowledgement of our submission. In addition, your latest communication mentions the Payment Assistance Action Request Form and that it can be accessed by clicking on the " Reply Now '' button on the mortgage account summary page. No such button appears on my summary page. 

We are ready to begin mortgage payments again, however, we require that the forbearance amount be added to the back end of the mortgage. XXXX XXXX calls it the following - " Starting XX/XX/2020, offering a payment deferral solution in which your deferred payments will be due at the end of the loan ''. It appears on their website - XXXX XXXX XXXX 

We also ask that use XXXX XXXX 's checking account for the automatic withdrawals for the mortgage payment instead of the account on record. The routing number for XXXX XXXX Bank is XXXX and the account number is XXXX. Withdrawals should be every 2 weeks as before. 

Please respond immediately and let us know that you have recorded our requests. 

Sincerely, XXXX XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXX, Consumer Financial Protection Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAY XXXX I SPOKE WITH EXPERIAN REPRESENTATIVE REGARDING THSI ISSUE, BUT THEY STATED THAT XXXX XXXX XXXX, THE COMPANY IN QUESTION, DOES NOT PROVIDE TELEPHONE SERVICE FOR THIS ISSUE AND MUST BE DEALT WITH VIA E-MAIL THE E-MAIL THE EXPERIAN REP PROVIDED TODAY WAS XXXX I AM CONCERNED THAT THIS WILL LEAD NOWHERE. 

MY WALLET WAS STOLEN WITH ALL MY CREDIT CARDS AND MY DRIVER 'S LICENCE HERE IN FL ON XXXX. I FILED A POLICE REPORT SUBSEQUENTLY, HOWEVER, I CALLED THE POLICE AND THEY STATED THAT NOTHING HAS BEEN DONE ON THIS RESPECT. 

NOW A NEW ACCOUNT IS SHOWING UP ON MY CREDIT REPORT STATING THAT XXXX XXXX XXXX. OPENED A NEW ACCOUNT FOR ME AND THAT WAS DONE ON XXXX OF THIS YEAR
Product: Mortgage

I paid off the Loan with PNC, They got overpaid by {$190.00}. I Paid off the loan on XX/XX/XXXX. They are holding onto my money and will not send it to me. I have called them a couple of time to no avail. All I want is to close this issue.
Product: Consumer Loan

I wanted to get tax info on my auto loan and it was not available on the website so I called the number on my bill and the website from my loan ( CapitalOne-XXXX ). When I called I was subjected to ads and offers from XXXX companies ( XXXX, XXXX, etc ) then was told that the number had been changed to XXXX XXXX. This was another ad for XXXX with no end to the loop. I just got out of the hospital and need to get this my answers quickly as I have no stamina. Can you please check into this and see that they correct the phone number or change it so people can get " Customer Service '' from a representative?
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , INC ) due to an adequate customer service and unfair practices, which violate the Consumer Financial Protection Act. Specifically cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electric 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

In accordance with the fair credit reporting Act XXXX  Accounts # # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX  # XXXXXXXX XXXXXXXX XXXX Violated my rights 15 U.S.C ( 1681 ) SECTION 602 A STATES THAT I HAVE THE RIGHT TO FAIRNESS, Impartiality, and privacy 15 U.S.C 1681 Section 604 A Section 2, A Consumer Reporting agency Can not Furnish A Account without My written instructions
Product: Debt collection

I signed up with XXXX XXXX program in 2020. But I never signed for a payment program or utilized the service. I thought it was free and when I was getting charged every month for it I change my bank account because I never authorized these charges.