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

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$2500.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax
Product: Credit reporting or other personal consumer reports

Upon checking my Experian credit report, I spotted some inquiries that I do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Mail # DEMAND LETTER To whom it may concern I [ XXXX XXXX ] a natural XXXX XXXX consumer and original creditor pursuant to 15 USC 1692a demand you to remove all late payment ( s ) from Account [ XXXX ]. Be advise pursuant to 15 USC 1666b ( a ) ( b ). A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Also pursuant to 15 USC 1602 ( i ) ( m ) ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit. 


I am notifying you in writing that I would like these late payment ( s ) removed immediately. I am also demanding that you refrain from ever reporting another late payment ( s ) future wise. I hope that you comply and that this issue will be resolved and handled here amicably. 

Also, In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 







Kind regards, XXXX XXXX XXXX : CFPB XXXX : FTC XXXX : ATTORNEY GENERAL
Product: Mortgage

Since this company took over my loan after I refinanced, it has been nothing but headache after headache. After assuming my mortgage not only did they make it more difficult to pay my bill online by trying to get me to agree to illegal servicing fees that they are currently in a lawsuit with 33 states for illegally charging their customers, after signing up for auto-pay to bypass this fee, they now are not accruing for my payments accurately stating i'm past due on payments, when I have bank account statements stating I've made payments. I called to report this error on XX/XX/XXXX after I saw the payment removed from my bank account, but XXXXHH portal showed me as past due. I spoke with PHH agent XXXX ID # XXXX who assured me my payment was processed, but could not explain why the payment amount I submitted was under 'Other ' vs capturing the additional payment I made towards my principal amount, nor did he know why the app and website showed me as past due and late on my payment. I called again on XX/XX/XXXX after not hearing from XXXX, and spoke with XXXX ID # PGA, who informed me XXXX was still looking into the issue, and would followup within 24-48 hours, and that the payment was not applied correctly but to rest assured they would fix this. I have a low-level of confidence in a company that has deceptive practices that don't allow good customers who pay their bills on time to trust it will be processed in an efficient and effective manner. We're now going on to call three with them for an automatic payment process that should not cause this many headaches & hope their faulty payment system doesn't accidently cause a customer to default on their mortgage because of a system error on their end. I demand for PHH to stop these deceptive practices and implore the CFPB to investigate this company especially given recent lawsuit activity in the deceptive practices they are subjecting their customers to.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, FINANCIAL DATA SYSTEMS add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Product: Credit reporting or other personal consumer reports

I purchased a XXXX XXXX  from Larry H Miller through XXXX, and discovered that there were XXXX hard inquiries on my credit which has greatly reduced my chances to refinance or obtain credit. 

XXXX ( XXXX ) XX/XX/XXXX, XXXX This hard inquiry is the only one that is valid. 


XXXX XXXX XXXX ( Auto ) XX/XX/year> XXXX XXXX XXXX ( Auto ) XX/XX/year> PRESTIGE FIN ( Finance ) XX/XX/year> These hard inquiries are excessive, and invalid as I was informed they would be soft pulls.
Product: Student loan

I attended XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX from XXXX for college, which had since changed its name to XXXX XXXX XXXX XXXX In the years, the school and it's parent company has been the subject of many lawsuits over fraud. Some of my loans were taken out with XXXX XXXX and later moved to Navient. Both companies were also under scrutiny for fraudulent practices over the years in relation to this and many other schools. These lawsuits led to the XXXX v. XXXX settlement, where my federal loans were forgiven. However, there appeared to be no hope for my private loans with Navient over the fraudulent practices of the school I attended or Navient 's behavior over student loans. 

In XXXX, I refinanced my Navient loans with another loan company. I tried to avoid doing this to hold hope for relief elsewhere, but my interest rate was variable and had reached 10 % interest. I could no longer afford these payments and having paid my loans since XXXX, I was getting increasingly frustrated. After doing the math, I had already paid more than twice what I had borrowed by that time. Speaking with Navient support over the years to find relief, none was offered. I had exhausted my deferments and I didn't want to defer payments anymore anyway. Reducing payments or interest were not offered. I felt that I had no choice to move somewhere else. 

However, I am not seeing Navient offering some borrowers an application to forgive their loan balances in the form of a school misconduct discharge. I am increasingly more frustrated with this situation since I had paid so much to Navient, felt hopeless in my situation, and believed my only option for relief was with another servicer to pay a reduced rate. 

Considering the school I attended engaged in fraudulent activity against thousands of students, including myself, and Navient was also scrutinized in relation to this behavior, I would like to see Navient offer me the opportunity to apply for discharge, then buy my loans back to forgive them as the same opportunity as those that still have their loans with Navient. 

I struggled to find work after graduating from XXXX in XXXX and had re-earn my XXXX XXXX XXXX from an XXXX XXXX  many years later. The fact I moved my loans somewhere else doesn't change the fact I was still victimized and taken advantage of. It should not be held against me to make an attempt to improve my financial situation without knowing relief would be coming. Navient was just at fault of my financial hardship over the years as XXXX was. It's only fair I have the ability to receive the same options for relief.
Product: Debt collection

I am writing to you to complain about Santander Consumer USA XXXX XXXX XXXX, XXXX XXXX TX. I have no known unpaid accounts with this business and after repeated verification request Santander has not responded to my certified letters and continue to report to the three major credit bureaus in violation of federal law. This company unlawfully reported to XXXX, XXXX, and XXXX  as recent as XX/XX/2020. Santander has continued to damage my credit rating and has caused me denial of credit by reporting inaccurate information to the three major credit bureaus. The erroneous account is in the amount of {$300.00}. The account is erroneous and not a result of any transaction that I have made. It is inaccurate and unverified and remain on my credit report causing adverse actions as well as denials of credit and adequate housing. I attempted to contact Santander multiple times via registered USPS certified mail with return receipts which prove Santander has blatantly ignored my attempts resolve this issue and they have not responded to my requests. Santander has misrepresented this account by reporting a past due balance in the amount of {$300.00}. This account has been paid in full and has never been past due. This is in violation of Federal Law and my rights as a consumer. Please contact me to let me know how to resolve this issue. This has been ongoing for over a year with this company and enough is enough!
Product: Credit reporting, credit repair services, or other personal consumer reports

For the XXXX  time on XX/XX/XXXX ; I applied for a XXXX  from XXXX XXXX XXXX. I was turned down again with a score of XXXX. A Figure representative named XXXX; said it was because of a past delinquency. When I talked to Experian, they tell me that I have not had a delinquency for close to XXXX  years. But, they still are stating past or present delinquencies. Also, a XXXX loan is tied directly to my home. So, there is very little if any risk! If I have had my home since 2006 ; don't this count to a mortgage company for something? 

A XXXX score is considered good. Usually, a conventional loan requires a XXXX score. I need the government to question XXXX as to why they advertise a score of XXXX ; but my XXXX is no good to them! For the past XXXX years, I have had XXXX medical issues. But, I still made my payments within XXXX days. If I was a different race and in a different zipcode ; I believe that their system would have approved my loan. I will not stop till I prove that I am right! 
The government need to fix this problem. Too many minorities are being hurt by companies with their redlining software!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed UNAUTHORIZED inquiries on my report or I noticed someone applied for something in my name. According to the FCRA ( Fair Credit Reporting ACT ), legally these UNVERIFIED & UNAUTHORIZED items MUST be REMOVED!! Below is a list of all of the accounts and the dates at which they where UNAUTHORIZED ALLIANT CRED XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim or online Identity theft since XX/XX/XXXX. I have been working with Experian and XXXX to remove credit reports that are not mine. Experian successfully removed a student loan and XXXX XXXX XXXX debt that isnt mine on XX/XX/XXXX. Those credit report has now shown back on my credit report. XXXX has not been cooperating. They are so hard to communicate with, even tried calling many times, the wait was long. And the people were not reasonable or helpful. It has cause so much issues and spent so much money on credit repair company 's.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





Inquiry 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

XXXX ; XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$270.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I do not now, nor have I in the past, had an account with XXXX XXXX. This account needs to be removed from my credit report. This false reporting of a collection/chargeoff account, that does not belong to me, is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report tax liens XXXX and XXXX. The XXXX XXXX XXXX XXXX enforced an initiative as of XX/XX/2017 that these tax liens must be deleted if not verified. Equifax has failed to verify these public records.
Product: Mortgage

On XX/XX/XXXX, I attempted to pay my mortgage to XXXX XXXX online as I have for years. I could not proceed past an advertising box with a number to refinance my loan. I tried to close it but could not. I tried getting out of the website and going back in but it did not work. The box was still there and would not let me pass. I was being forced to call the refinance number. I do not want to refinance. I tried calling the " customer service '' number on my latest bill. There are no options to reach a human. I paid my bill using " speed pay '', but was not able to tell anyone about my problem. I did an online search for a customer service number but always found only the same number I tried to call or a claim number. NO HUMANS accessible. I also found a lot of comments from desperate people trying to reach a human at XXXX. It seems it can't be done.
Product: Debt collection

I received a letter in mail today from convergent outsourcing say I owe XXXX XXXX . My name and address are correct on the letter I called XXXX but they have no record of this. This is identity theft since I have not used XXXX nor do I owe any money I want convergent to confirm I owe nothing and to not contact me after that
Product: Credit card or prepaid card

On XXXX XXXX, 2020, a withdrawal of {$100.00} from my checking account occurred per Barclaycard US. I did not authorize this transaction and it is not noted on my online activity statement. I contacted Barclaycard who gave me a Case ID number of XXXX and informed to get proof from my bank showing the withdrawal. This information was faxed on XX/XX/2020 to the number provided. I received a letter dated XX/XX/XXXX from Barclay indicating a provisional credit of {$100.00} was placed on my credit card account. However, the letter also requested additional information such as proof of payment ( cashed check, money order receipt ). Unsure of what additional information I could provide, I contacted Barclay again and was informed that the fax was received and I did not need to send anything else. I received a letter on XX/XX/2020 - dated the XXXX - that the provisional credit was removed as I did not send the required proof requested which required me to make an additional payment, though I paid over the minimum prior to the due date. I contacted Barclay again on the XX/XX/XXXX and was informed that this could not have occurred without my authorization. I was told I would speak with a specialist and was then placed on hold for over 1 hour to speak to someone again. 

I am filing this complaint because I am being ignored by the Barclay for a transaction that I did not authorize. I do not know what more I can do on my end as I have submitted the evidence needed. 

First, my monthly payment was over {$250.00} at that time. So, I would not make a random {$100.00} payment. 

Second, there is no activity on my statement showing an authorized payment of {$100.00} and that this payment was credited to my account. 

Third, I have the transaction statement from my bank showing that Barclaycard US removed {$100.00} on XXXX XXXX, 2020, along with the fax confirmation form. 

Finally, if I did authorize the payment, why is it not on my account? Why was it removed?
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate personal information that is being reported on my credit report by your agency. Upon reviewing my credit report, I have identified discrepancies in the personal information section that require immediate attention and correction. 
The inaccurate information is as follows : [ Describe the inaccurate personal information, such as incorrect name, address, date of birth, social security number, etc. ] Address update XXXX XXXX  XXXX XXXX XXXX  XXXX, CO XXXX Number update - ( XXXX ) I hereby request that you investigate and correct the inaccuracies in my personal information as soon as possible. It is imperative that the information on my credit report is accurate and up-to-date to ensure fair and accurate assessment of my creditworthiness. 
Please provide written confirmation once the necessary corrections have been made to my personal information. Additionally, I request that you provide me with a copy of the updated credit report reflecting the corrected information. 
I appreciate your prompt attention to this matter and look forward to your timely response. Thank you for your cooperation in resolving this dispute.
Product: Credit card

I have a GAP Visa credit card issued by Synchrony Bank. Synchrony allowed a transaction to go through that exceeded my credit limit. We were not notified and did not realize this happened until the next time we tried to use the card and it was declined. We immediately made a payment that more than covered the overcharge. However, the bank notified credit agencies that we exceeded our limit prior to receiving the payment. I called the bank to complain and asked how we can be reported for exceeding our limit when the bank authorized the payment. This makes no sense whatsoever! I was told that as a " courtesy '' the bank allows a certain amount of charges over my credit limit. I consider this a discourtesy, as I would have used a different credit card had I known that I had exceeded my limit. I asked the bank to have this courtesy service deactivated, and I was told this is not possible. I wonder how many other consumers have their credit damaged as a result of this " courtesy. '' Consumers should either have the right to have this service turned off, or the bank should be obligated to notify the consumer that their credit has been exceeded. I was told that this service is explained in my credit terms, but if it was, it was not called out prominently.
Product: Debt collection

In XX/XX/XXXX I had a capital one credit card for $ XXXX that was used that I didn't know of. I noticed this debt and assumed it was mine because it was on my credit report. I sent capital one a email. After speaking with a number of financial advisors it was determined that I had been a victim of identity theft. I made a police report and placed fraud alerts on reports and have them locked. In XX/XX/XXXX Capital one took me to court in regards to this debt and it was DISMISSED. I have disputed this with the credit XXXX and Capital one refuses to remove this DISMISSED case from my report. There are telling me that this debt is mine. I have spoke with a lawyer in regards to this and what they are doing is illegal. This has been determined that this is NOT my debt and needs to be removed.
Product: Debt collection

Company hired from XXXX XXXX  sent a bill to collect to my mothers house in another state that she just moved into.. they did not send directly to me and this debt was included in my chapter XXXX bankruptcy.. I called spoke w them and did not get anywhere. Tried calling XXXX and could not get through to a live person.. I contacted credit bureau to get it off credit w dispute.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX 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 UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX