23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix this with the credit companies and with experian, experian has not done an investigation into my issues with inquiries on my credit report that i did not authorize, below are inquiries I did not authorize, if experian can not present evidence that these companies have a wet signature from me or can present evidence it was me who requested these inquiries they must remove them from my credit report due to harm they are causing to me from obtaining a mortgage and personal credit. By law companies must be able to show a wet signature to pull an hard inquirie, I did not request these companies to pull my credit or give them permission, nor can experian prove i gave them permission to pull my credit, these were unauthorized hard pulls of my credit. 
XXXX XXXX XXXX XXXX ON XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX/XXXX  on XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XXXX XXXX XXXX and XXXX  Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Processing Delay : For the months of XX/XX/XXXX to XX/XX/XXXX, there was an error in the processing of my payments. Even though I submitted payments on time, they were not reflected on my account due to a delay on XXXX  XXXX 's side in processing. I have provided bank statements and payment confirmations showing the payment dates, which were before the due dates. 
Incorrect Late Payment Status : Despite timely payments, my account was marked as 30, 60, 90, and 120 days late. These entries are incorrect, as payments were made and cleared during those months. XXXX  XXXX confirmed this delay in processing and acknowledged the error in a written communication, which has been attached as supporting evidence. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

In XXXX 2011 I was XXXX out to XXXX XXXX. Having XXXX at the time, I called and told them that they needed to cancel my service as I would no longer be needing it as I had XXXX. 

It appears they did not take this into consideration, as I now have this collection reporting on my account. I feel this is wrong, as I had given prior notice of the event - and under military orders, was allowed to get out of the contract. 

Attached are the orders given to me for scrutiny. I wish for the complete removal of the account from all bureaus reporting.
Product: Student loan

I am simply trying ( having just spent an hour in my account at Navient.com ) to payoff my federal student loans in full. Navient, unlike Sallie Mae from whom Navient took over these loans, makes it pretty much prohibitive to do so : there is no option anywhere on the site to pay in full AND CLOSE THE ACCOUNT. There are options to make payments, but there is no final disposition option. I do not trust this company, if in fact I pay my balance, to close out these consolidated loans. In the past I have tried to pay off one of them in full but Navient just applied my payment evenly across both loans ( it was obvious given the amount paid that it matched the balance on one of the accounts ) so it could maximize the amount of interest it was getting. Now I just want to close this out and given that they literally do not provide that option on their site I have no confidence that my payment will in fact close this out, rather, that I will have this loan lingering. Note that their tactics- to inhibit/prohibit closing out accounts and thus eliminating their fees- is simply fraudulent, deceptive and maddening.
Product: Credit reporting or other personal consumer reports

I'm one of the Sweet vs. Cordona plaintiffs that won the lawsuit for 100 % forgiveness via Borrowers Defense. Aidvantage had up to XX/XX/year> to remove my student loan from my file, but they didn't per judge 's order. They are still incorrectly reporting and has caused ensuing damages to me because of my debt to income ratio has caused me to be denied credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a company called XXXX XXXX claim I owe them {$450.00}. I do not know this company or the company they represent this is fraud. I never authorized any purchase of {$450.00} I never signed anything. This is fraud. They say they are working with capital one I have no idea what they are talking about as this was fraud and never authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date XX/XX/2021 Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX Credit Bureau Name XXXX, XXXX, EXPERIAN Credit Bureau Address Re : Request to Remove Unauthorized Credit Inquiry Dear Sir or Madam, I recently received a copy of my XXXX, XXXX, EXPERIAN credit report and I notice there is an unauthorized credit inquiry made by ( ). I do not recall authorizing this credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into Professional XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry to determine who requested this credit inquiry. 

If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am in error, then please send me proof of this. 
Thank you in advance, XXXX XXXX
Product: Debt collection

This account was cleared & verified by XXXX that the charge is an error. XXXX sent them info that the balance has been cleared. They are still in pursuit of money I DO NOT owe!
Product: Student loan

Dear Sir/Madam, My overall experience with Navient Loans has not been a pleasant one. In the past few years Ive experienced several instances where representatives misguided me when applying for REPAY as you earn plan. This caused me to be in forbearance longer than I anticipated or wanted. One particular incident I was in forbearance for a few months as I was informed that it takes a long time to process paperwork. This of course increased my overall loan amount and I incurred erroneous interest rates from being misguided.
When I graduated with my XXXX XXXX my total student loan was {$100000.00} but now 5 years later with paying the loan my total amount has drastically increased to {$140000.00}, which is beyond unethical.
Very recently I experienced a traumatic incident when I was not informed properly ( email, mail, phone call ) about my REPAY plan expiring which in turn Navient charged my bank account {$1600.00} for my monthly payment instead of my normal amount of {$240.00}. This was traumatic as I was traveling across country at the time and this caused my bank to be in overdraft and frozen for over 4 days as I disputed the charge with my bank since I never approved of this transaction.
This charge went through on a Saturday when of course Navient is not open on weekends. I tried calling the company multiple times on Monday morning but was never able to get through to an actual representative even after waiting on the phone for over an hour and half. I even called the number using a different phone to only receive an automated message stating we are unable to take your call at this time please try again later and directing me to their online platform to schedule a call but the earliest day available was Friday of that week.
Im beyond frustrated and looking for answers as to why my loan has increased this dramatically when Im making payments. Im not pleased with the level of customer service from Navient and Im currently exploring different loan options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. 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 XXXX credit bureaus was dated XX/XX/2022, 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 Balance : {$810.00} XXXX XXXXXXXX XXXX : {$800.00} XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX : {$0.00} XXXX XXXX Balance : {$8700.00}
Product: Money transfer, virtual currency, or money service

Sent someone in XXXX funds via PayPal and they did not deliver the product that was promised in return.
Product: Credit card

Citibank, failed to mail my XX/XX/XXXX ( paper ) billing, never emailed or contacted me regarding nonpayment. I called, they said to pay the purchases of {$300.00}, which I electronic paid XXXX day later. They would consider removing the {$25.00} penalty and {$4.00} XXXX fee. They failed to remove, I called they claimed ca n't reverse the computer action. 
I become frustrated, decided to paid off the entire billing which amounted to {$1000.00} which included later XX/XX/XXXX purchases ( which included the penalty of {$25.00} and interest. I mailed a letter of complaint on XX/XX/2016 filing my complaint in writing to Citi Card located in XXXX, SD. They never responded, they again ignored my complaint. Now, checking on-line I see their latest billing statement of mine for the period of XX/XX/2016 to XX/XX/2016 a balance due of {$9.00} for additional INTEREST charge dated XX/XX/2016. I PAID THE TOTAL BALANCE IN FULL WITH PENALTY AND INTEREST ON XX/XX/2016. THEY NOW BILLING ME {$9.00} FOR INTEREST FEE DATED XX/XX/2016 AFTER PAYING THE BALANCE IN FULL. & lt ; This is totally unacceptable practice and illegal activity and I respectfully request a full investigation into Citi Card billing of interest on account after full payment. & gt ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB Staff, XXXX has allowed the following Fraudulent account to reappear on my Consumer Credit Report : Derogatory Mark : ACIMA CREDIT FKA XXXX. 

XXXX has refused to address this twice so far.
Product: Credit card

I began receiving notices of a credit card opened with a balance Synchrony Bank, the credit arm used by PayPal Credit at some time late XXXX. The " credit card statements '' were being to sent to my father 's address in XXXX Texas despite my not living there for years and in fact I was living in XXXX XXXX, CA at the time. My father ignored the statements thinking they were phishing fraud statements trying to extract payment from me. My first knowledge of this fraudelent account actually being opened and this being a case of stolen identity was upon moving back to Texas, again not at the original address but in fact in XXXX XXXX, Texas in XX/XX/XXXX. My father had moved from the old address and started receiving late notices from XXXX Bank and PayPal Credit. He started keeping the notices as of XX/XX/XXXX. 

As the attached documents notes : the account ending XXXX was opened ( not by me ) on XX/XX/XXXX. 
I reported the fraud and this account was closed yet reopened by Synchrony into another account ending XXXX after their " fraud department " concluded the investigation and the fraud claim was denied. This despite never providing any proof of me opening this account, in XX/XX/XXXX. 
On XX/XX/XXXX, Synchrony closed the account ending XXXX with a balance of {$7200.00} after non-payment and the account was charged off. Again, nothing was provided to me to substantiate the account was opened by my nor a detailed listing of the charges. 
I did not know what had happened and after seeing my credit going from XXXX to XXXX sometime in late XXXX, I again called both PayPal Credit and Synchrony only to get the same response, that a fraud claim was opened and subsequently denied after " investigation '' by Syncrhony basically by calling PayPal Credit to affirm that the account was mine despite this being a fraudelent claim from the very beginning. 
I followed up with Synchrony and again they denied the fraud claim after opening another investigation with no proof of their claim other than apparently calling PayPal Credit again to verify their own fraudelent claim! 
I called Synchrony Fraud Department again and got no answers and if fact they would not disclose anything about the investigation and were asking " me '' to verify information to verify that I was who I was purporting to be by asking questions I did not feel comfortable answering. 
SInce this time, I filed a Identify Theft Report with the FTC on XX/XX/XXXX. I work quite a bit and am getting married along with other family issues so this is something I need to get resolved to clear my credit.
Product: Checking or savings account

To Whom It May Concern, I am writing to formally express my dissatisfaction with Chime 's handling of unauthorized transaction disputes during my 10+ years as a loyal customer. Despite providing extensive supporting documentation, including police reports, Chime has consistently rejected every claim I have submitted, violating both consumer laws and the trust I placed in your institution. 

The following claims were denied despite clear evidence and the requirements of federal laws that mandate banks to reimburse customers for unauthorized transactions : Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$96.00} Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Credit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$170.00} Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$600.00} Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$560.00} I have incurred losses exceeding {$1000.00}, yet Chime continues to allow fraud to prevail while disregarding my rights as a customer. Your refusal to resolve these issues violates consumer protection laws, including : Bank Secrecy Act ( BSA ) : Establishes requirements for recordkeeping and fraud detection by banks. 
18 U.S.C. 1344 : Prohibits financial institutions from engaging in fraudulent practices.

12 CFR 16.32 : Mandates proper handling of fraudulent transactions and ensures safe banking practices. 
It is unacceptable for a financial institution to fail in its obligation to protect customers from fraudulent activities. I trusted Chime to uphold its commitment to security and customer care, yet my experiences reflect a blatant disregard for both. 

Your institution has already faced legal action for denying consumers rightful reimbursements. It is evident that Chime continues to neglect its responsibilities. I have taken every step to resolve this issue, including filing police reports, but I am left with no choice but to escalate my grievances further. 

If immediate action is not taken to address my claims and refund the amounts lost to unauthorized transactions, I will pursue the following actions : Appeal Process : Continue challenging Chime 's rejection of my claims. 
Formal Complaints : File complaints with government agencies and financial regulators. 
Legal Action : Explore legal avenues to hold Chime accountable for non-compliance with federal laws. 
As a customer, I deserve to be treated with fairness and respect. Chime 's failure to address this matter demonstrates a lack of concern for its customers and their financial security. I demand a resolution to my claims and expect to be refunded promptly for the unauthorized transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am puzzled why these accounts show up on my credit report out of nowhere.. IT must be that someone use my identity.. The accounts were fraudulently opened in my name..I did not make the charges .Failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

U S DEPT OF EDXXXX XXXX, XXXX XXXX, U S DEPT OF ED/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting

I had disputed this company previously, I do not have the case number. I am uncertain why they would be putting inquiries on my credit and I would like an explanation and I would like for it to be removed. Inquiries effect my credit score. I was notified about this action through XXXX XXXX. Thank you
Product: Credit reporting or other personal consumer reports

I looked and reviewed my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts, Account XXXX : XXXX XXXXXXXX XXXX XXXX, are not complete and accurate. 

And XXXX more thing according to 15 USC 1681s-2 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: Credit reporting, credit repair services, or other personal consumer reports

I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

XXXX5 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 UNABLE TO GET THROUGH TO TALK TO ANYONE ABOUT REMOVAL, THERE IS ALWAYS AN ISSUE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

To Whom It May Concern, YOU BROKE THE LAW!! 


Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, XXXX, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; It has come to my attention that your company has violated multiple provisions of Title 15 USC 1681 of the Fair Credit Reporting Act. The accuracy and fairness of consumer reports is imperative to the functioning of the banking system, and the actions of your company have put this principle in jeopardy.

Pursuant to Title 15 USC 1681 ( a ) ( 1 ), I was never notified of the furnishing of inaccurate information to my consumer report, which has caused my report to be unfair and undermined my confidence in your company 's procedures.

Moreover, Title 15 USC 1681 ( a ) ( 2 ) establishes that your company 's actions have caused harm to my reputation and creditworthiness, and Title 15 USC 1681 ( a ) ( 3 ) states that your company assumed a role for which it was not authorized by me or a competent court of jurisdiction. Furthermore, Title 15 USC 1681 ( a ) ( 4 ) establishes that your company failed to ensure the accuracy of the information and to exercise its obligation with fairness and impartiality, resulting in a breach of my privacy rights.

Additionally, Title 15 USC 1681a ( d ) ( 2 ) ( A ) ( I ) clarifies that transactions between the consumer and the person making the report should not be included in the consumer report, and Title 15 USC 1681a ( d ) ( 2 ) ( A ) ( III ) states that the consumer should be given the opportunity to deny the information being reported.

Furthermore, Title 15 USC 1681a ( B ) excludes the authorization of specific extensions of credit, such as credit cards, from being included in the consumer report. Finally, Title 15 USC 1681a ( e ) outlines the requirement for a thorough investigation when producing an investigative consumer report, and the Fair Credit Reporting Act regulates the production of consumer reports to ensure the accuracy and reliability of the information included.

In light of these violations, I request that this inaccurate information be removed from my consumer report immediately, and that your company cease reporting my information in its database. I also request a copy of my investigative consumer report, as required by the Fair Credit Reporting Act. Any failure to uphold the law will result in a defamation lawsuit. Let me remind you that company policy does not supersede federal law. 

Thank you for your prompt attention to this matter.