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

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX  Account * 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 Has Violated my rights.

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1618 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

Hi I would like to report a dispute that I have disputed with Affirm for the following amounts : XXXX XXXX XXXX XXXX XXXX I had more charges, but those have been resolved or removed from my credit report. I provided police report from the XXXX Ca police department, disputes for fraud, disputes in experian for not my charges and I continue to see them on my credit. 
When I called affirm they would not provide me with any information because my phone number and address did not match what they had on file. Of course not ..... 
because that is not my information. 
My address is and has been XXXX XXXX XXXX, XXXX, CA XXXX and my phone number is XXXX. I have had both of these for at least 14 years. 
My name is XXXX XXXX XXXX, my social ends with XXXX. 
I have good credit history, good healthy payment history, however these late accounts are impacting my credit score very negatively. 
I would like to file a claim against both Affirm and XXXX as they have not provided me with proof of service or proof of purchase, yet they continue to say this is my bill because I have never ever received any proof of it being mine. 
It is not my purchase or my bill.
Product: Credit reporting or other personal consumer reports

XXXX of XXXX  I spoke to the creditor because it was a closed account that showed a ballance so I made a deal with them to pay a lower amount and they would except it and call it closed and showed a XXXX balance. I paid the money and got a letter that said it's paid and it showed correctly for 2 months on my credit report and then for XX/XX/XXXX  it showed as being a closed account but it said I had a 30 day late payment of XXXX dollars of the balance that they said would be expunged. I have a letter that says it's paid as per our agreement so I called the credit company and they said they didn't report it and they can't do anything about it. This brought my credit score down XXXX points in one swoop. I did the right thing and now they need to do the right thing and take it off my report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous credit inquiries listed on my XXXX XXXX, XXXX  and Experian credit report. The only credit inquiry that should be listed on my credit report is, XXXX XXXX XXXX/XXXX  XXXX. All of the other credit inquiries listed on my credit report are fraudulent, unauthorized and not my credit inquiries. I should only have 1 credit inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to request to the Credit Bureaus once more, to remove the remaining fraudulent accounts and information from my Credit File. I greatly appreciate the action done by the Credit Bureaus and have some of the disptued items removed from my Credit File. However, there are items left that should also be removed such as the inaccurate addresses, and the one fraudulent account reported by the XXXX Credit Bureau. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed items in which they resulted due to identity theft, not later than 4 business days after XX/XX/XXXX. I also sent another dispute letter to the Credit Bureaus on XX/XX/XXXX. I have already included these items from my previous Complaint and I am including them again, once more. Please have the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX  MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX A XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$210.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reported as Collection/Charge off but it is showing Balance of {$12000.00}, you know a charged off account should be XXXX balance. According to my research 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' so there should have no late payments in my credit report. Furthermore, 15 USC 1605 ( 5 ) states that the insurance protecting the creditor against the obligor 's default or other credit loss, this is obviously a noncompliance of the law to report it with profit loss write off. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611 ( A ) ( i ) promptly delete the item if the information is found to be inaccurate or incomplete or can not be verified.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/2023, I sent in dispute letters asking the CRAs to verify how they they found the disputed items valid or verified if there are still so many inaccuracies. I have requested multiple times on how they do so and haven't received any documentation. The accounts I am asking about are XXXX XXXX XXXX XXXX ( along with the other XXXX inquiries. )
Product: Checking or savings account

I opened an account with a {$42000.00} check from a settlement two days ago. This morning the funds showed that the check cleared in my account. I paid two bills and got a message that my account was frozen and restricted. Chase informed me that without reason it was closing my account. They told me they would send a check when they clear it, which I dont now how long will take. I have an emergency and need to pay my bills today. If my money gets held up I would have to pay an addition {$3000.00} to cut my water bill back on for missing the payment. When I went into the branch to ask about it the lady was extremely rude and then called the police to have me escorted off the premises. Then she said she wanted to file a restraining order, when I was only trying to inquire about why my money was inaccessible for a undetermined amount of time. I want my money today and I want a full apology from the bank and the young lady that called the police on me
Product: Student loan

My loan servicer, NELNET, is completely inaccessible right now. Today, XX/XX/23, I attempted to log in via the Nelnet App on my phone, and the app does not work. A screen pops up for me to log in, but then when I entered my credentials, nothing happened, and I am still on the log in page. I also tried to log in via the nelnet website, and am experiencing the same issue. 

The company is not reachable by phone -- - when i called their XXXX number, there was a message stating that the wait time was well over 30 minutes, and no option to have them call me back. 

I need to make payment on my student loans, but have no means to access my nelnet account to make this payment, and I am not sure what to do. 

This is not the first issue that i am having with Nelnet 's online payment processing system either. My other issue is that when a borrower makes a payment that is greater than the minimum payment due, there is supposed to be an option to " not advance the due date '', and while there is a box on the screen showing that option, you can't actually click on it. When i first discovered this issue last year, i called Nelnet ( sorry, i didn't write down that date ) and told them that i did not want my overpayment to advance my due date, but that the button to indicate this on the payment page was not functional. They supposedly manually input that request into my account, but then continued to advance my due date anyway. 

At this point, my biggest concern is the fact that the company is not reachable to me, their website and app are NOT working, and thus, I have no idea how i am supposed to make my next loan payment.
Product: Student loan

Navient is the lender handling 2 of my private student loans after they were sold by Sallie Mae. I have been with this lender since XXXX, much to my disliking. Navient has routinely changed my loan terms, payment terms, and enrollment status without any written notification. Most recently, my payment for XX/XX/XXXX went from {$20.00} and change to roughly {$130.00} without any notice. I am currently enrolled in graduate school and have relied on budgeting to maintain my expenses. I did not account for a {$110.00} hike in my payment this month and this is not the first time they have done this. They have also completely skipped taking my automatic payments, without any explanation with can also change my loan terms. How can they decide that one month a payment isn't needed and another that it should be {$130.00}? 
I don't understand how a company can make these changes without directly informing the consumer, especially when that person is in school. How they can take my payments and not appropriately address them to principal & interest and how they are able to " extend '' out loan repayment terms. Another loan I have with them has ebbed at the $ XXXX mark, it's principal amount, and still shows that at {$25.00} a month it will be paid off by XXXX. This is almost like borrowing from a loan shark. Please look into them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX late payment XXXX XXXX account Good afternoon and I hope all is well when you receive this email. I am writing to you in reference to an ongoing issue my husband and I have been dealing with, with XXXX XXXX. You see my husband is a XXXX XXXX % XXXX veteran who suffers from severe XXXX and a XXXX XXXX XXXX. I am his legal care taker and take care of all his finances as well. We have a XXXX XXXX account and over a year ago I had called the service dept to change the email from his to mine since we were set up for email statements. I had n't used the card for most of that year and did n't honk anything of it. I had used it back in XX/XX/XXXX I believe and was under the impression from your service dept that the email on file was mine from months prior contact with them. We get a phone call stating the payment is late, in which I had responded I had never gotten an email. They looked into it and said ny husbands email was on file. I know that it was overlooked on both sides and I should have followed up again when I initiated the original change. It slipped my mind and we were late. I asked if we could be forgiven for it and the customer service rep XXXX spoke to her manager and told us we would fine. That they reversed the late fee and that they would send an electronic notice to the credit agencies within 30 days. That was never done. I called today and spoke to a manager XXXX I believe, she told me nothing could be done because it was n't a banking issue. I expressed to her the issues and injuries my husband has and how it was supposed to be changed to my email address a year prior. She did n't want to hear it. I also told her XXXX made it clear that she got approval from a manager to fix it. That it 's on recording and XXXX said " even if it is there is nothing they could do. '' Im asking if you can please help us fix this issue. It is negatively affecting our credit and we are trying to purchase a home through the VA. Is thee anything you can do to help us? We appreciate
Product: Checking or savings account

The XXXX XXXX over charged me. Bank of america only refunded me {$600.00} out of {$2100.00}, so I still need XXXX to be refunded to my account. 

XXXX {$600.00} XXXX XXXX and XXXX XXXX XXXX & XXXX & XXXX & XXXX XXXX & XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

About 3 years ago I was hospitalized In could not pay you need bills and I was living with my parents for a month after for recovery. I had 2 capital one cards,  That were marked 3 months late payments and my account was restricted and shutdown. When I finally got the opportunity I called them and they promised if I paid the full balance that day they would correct the late payments due to the situation and "unrestrict" my cards. I agreed paid both in full right there and requested 1 be cancelled and I would just keep the 1 card in total.  So they took my payments reassuring me they would be marked on time for the time I was in the hospital. Canceled the 1 card due to my request.  3 years later the other card is still restricted And they never marked either one paid on time like they had agreed . I have disputed this probably 10 to 15 times over the last 3 years I have called them multiple times over and over asking for supervisors writing letters and no one is holding up What I was told. I feel like I was taken advantage of by someone who wanted to get credit for taking a payment on a  Restricted accounts.  Today I called and they told me it's impossible for anyone to fix anything. I just want them to mark my payments on time like they promised on both cards.
Product: Mortgage

Bank of America ( BOA ) wants me to pay an additional {$630.00} before they will pay off my home mortgage. 

XXXX - I phoned BOA property department to get a payoff amount for my mortgage account # XXXX good until XX/XX/XXXX. The amount given was {$37000.00}. The rep stated he could not send me a payoff statement because the computers were being updated ; he instructed me what to do and where to send my payment. 

XXXX2020 - I mailed Check # XXXX in the amount of {$37000.00} to BOA for payoff of my mortgage. 

XXXX2020 - My bank statement shows BOA took the {$37000.00} from my bank account. 

XXXX2020 - I received the monthly statement for XX/XX/2020 with a payment of {$630.00} due, despite a XXXX  balance in my principal balance and accrued interest columns, and the {$37000.00} was identified as " Unapplied Funds. '' I immediately called BOA to inquire why I did not receive a letter stating my mortgage is paid in full and all necessary procedures are being completed. The rep named XXXX stated she would correctly apply the funds and to disregard the XX/XX/2020 statement. She stated it would take 30 days to receive my letter of fulfillment and the escrow balance will be sent shortly thereafter, along with the lien release to the county. 

XXXX2020 - No letter of fulfillment received ; however, I did receive another monthly statement for the now past due mortgage payment. 

XXXX2020 - No letter of fulfillment received ; and I received another monthly statement for the now two months past due mortgage payment. 

XXXX2020 - I received a call from XXXX rep XXXX regarding the " missed payment '' of {$630.00} at BOA. I explained my issue the XXXX and she stated she will contact BOA for intervention. 

XXXX2020 - No letter of fulfillment received ; the monthly statement keeps coming! 

XXXX2020 - BOA supervisor XXXX or XXXX XXXX phoned me about the error in applying my payoff and stated that research is needed and she would phone me XX/XX/2020 at XXXX CST with results. No direct phone number given to me for contact. 

XXXX2020 - No phone call received!! No way to contact supervisor directly. 

XXXX2020 - I received a payoff statement for {$630.00} for my mortgage!! I phoned BOA, placed on hold. I then phoned XXXX rep XXXX and left message. XXXX responded ad gave me the number to Consume Financial Protection Office. 

.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 

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

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  XXXX XXXX Account Number : XXXX Delete this account. 

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  XXXX XXXX Account Number : XXXX Delete this account. 

Personal information is incorrect XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting

I dispute a Bankruptcy Dismissed chapter XXXX asking them to provide me with the actual proof that they can report this account on my credit report file. I didnt received the actually proof. When calling in the CSR told me that they verified my item from the courthouse but I revived a letter online with the above confirmation number that they used to invesigate the dispute and it was verified by XXXX which I know is not true is because I have a security freeze on my account with the and they are not given out any information on my behalf. So I would like to know how they verfied this with the company. This item need to be removed asap
Product: Credit reporting or other personal consumer reports

Please remove and block the unauthorized accounts from my credit report as soon as possible. I did not authorize or initiate these accounts and have no knowledge of their origins. In accordance with USC 1681g, I formally request their removal within 15 days. Enclosed are the necessary documents for your review and reference
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in violation of section 605N of the Fair credit reporting act. I have submitted my documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a dispute with XXXX and XXXX reference to this debt collector XXXX XXXX who is reporting they own this debt from XXXX XXXX. On XX/XX/22 I sent them a letter via registered mail with return receipt asking them to validate this debt. I received proof of delivery with a signature from their company. As of today I have not received a response and they continue to report this as a collection debt to all three credit reporting agencies. This is a charged off debt by XXXX XXXX. It is also time barred under SC law ( S.C. Code 15-3-530 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, XXXX  has made a huge erroneous mistake on my credit report, as you may know I have been disputing items on my credit report. XXXX open a dispute for my two credit cards that I just opened two months ago with CAPITAL ONE XXXX and XXXX, now it has been deleted off my credit report!! deleted from XXXX credit file and XXXX credit file, XXXX   is not reporting this months balance. I NEVER disputed these account as per letters I have sent copies to CFPB, I ask Capital One to please disregard this dispute as it was an error done from XXXX  ( I'm trying to built my credit and need these accounts to reflect on my credit file ) If possible to please start reporting again on all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the FCRA requirements within XXXX  days of the date of receipt of my dispute letter the credit bureau must post a notice of dispute in the comment section on my credit report and they have fail to do so! The following accounts has no notice of dispute.. XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX . I have attached a copy of my report highlighted with the last reported date updated and the comment section was NOT.