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

Unauthorized inquiry. On XX/XX/XXXX I expressedly did not authorize a hard inquriy on my credit report to XXXX XXXX XXXX XXXX XXXX, nonethless my report shows a hard inquiry which affects my score. This contradicts my command and the expressedly stated by the company representative " It is not a hard inquiry on your credit report ''.
I submitted a previous report and was told In order to protect the confidentiality of the consumer 's credit file information, Equifax must obtain proper identification from a consumer before disclosing and/or updating any information regarding the credit file. You may mail a copy of the requested documents, such as drivers license/state ID card and a utility bill showing the current address information along with a social security card Do to this fact my complaint was not resolved. I hereby authorize to proceed with my complaint and provide drivers license & social security card ( attached ) as proof of Identification. The aforementioned in order to have my complaint resolved and the unauthorized inquiry removed from my repot.
Product: Mortgage

Company squandered XXXX month advance payment, and squandered additional amounts added to payments in unexplained and fake charges. 
Details of the complaint will be attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

-- REAL ESTATE LAON 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed numerous accounts on my credit report that I did not open. I have listed the accounts them. I have also attached an identity theft report. I have also attached the dispute letter previously sent including documents to verify my identity. 

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

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning discrepancy in the information reported by Experian on my credit report. Upon reviewing my credit file, I discovered that Experian has verified a bankruptcy through the courts, which, after conducting due diligence, I found to be inaccurate. 

I have attached documentation confirming that I submitted a letter to the court requesting information regarding the alleged bankruptcy. The court, in response, verified that they did not provide any such information to the credit bureaus. This raises serious concerns about the accuracy of the data Experian is reporting. 

Furthermore, upon accessing my credit file online with Experian, I noted that they claimed to use a vendor to verify the mentioned account. This implies a third-party involvement in the verification process, potentially leading to a violation of privacy and accuracy standards.I have attached screenshots and documented proof of the court 's response, along with evidence of Experian 's acknowledgment of using a vendor. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccurate information on my credit report.Your prompt attention to this matter is greatly appreciated. I am hopeful that this dispute can be resolved swiftly to ensure the accuracy and integrity of my credit report. 

Thank you for your time and assistance.
Product: Credit reporting or other personal consumer reports

I mailed off a letter to XXXX about unauthorized inquiries reporting on my credit report on XX/XX/2024. I did not received anything back from them. I asked them to please remove the inquiries and to write me back a letter when they have been removed. they didn't do that. I also requested them to send me something saying they received my letter. I got no response. I also got the letter notarized by a publicly bonded notary. Some of the things I included in the letter was a violation of XXXX XXXX XXXX explaining that they didn't have my written permission to include such information on my consumer report and the inquiries were unauthorized because they were in no benefit to me and I didn't submit any application to get any extensions of credit. I mailed that off certified mail which I can include a picture for proof of delivery. I have also done this same process with XXXX and Transunion. Attached I have proof that I have mailed all these credit reporting agencies twice and have received no response from any agency. I also have attached a letter I sent to XXXX informing them of the inaccuracies. I didn't include Transunion or XXXX 's letter because all I did was switch the credit reporting agency that was violating my consumer rights. 

I sent a second letter titled opportunity to cure giving XXXX a chance to redress the situation. The letter contained the same information in the first XXXX and I still did not receive written request. The day I mailed off the second letter was XX/XX/2024 certified mail. I can also provide a picture for proof of delivery of the second letter. In the second letter I included that 15 USC 1681n is the violation for civil liability for noncompliance and they still didn't not try to reach out to me the consumer/principal. 

I am seeking monetary relief for {$2500.00} and this is a fraction of what is due to me due to the noncompliance, violations, and improper use of my credit. XXXX is sharing information that is inaccurate and unfair per 15 USC 1681a and they have effected my credit worthiness, credit standing, credit capacity, my character, and my general reputation as a consumer. Thanks for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

I viewed my consumer report and noticed my personal information is listed incorrectly. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of XXXX XXXX XXXX, My address is XXXX XXXX XXXX XXXX NJ XXXX, My only Phone number is ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

XXXX days ago ( XX/XX/XXXX ) a transaction announcement came across our phone notating that a transfer was happening from the Venmo account connected to my wife 's XXXX business that money was being transferred to a debit card. As neither of us had initiated such an action, we investigated immediately and discovered an unauthorized card fraudulently connected to the account. Venmo Account name : @ XXXX Steps were immediately taken to remove the fraudulent card and change password access to the account. 
After further investigation, XXXX fraudulent charges were discovered attached to the same unauthorized Visa Debit card originating from XXXX XXXX. XX/XX/XXXX {$250.00}, XX/XX/XXXX {$110.00}, and XX/XX/XXXX {$130.00} A second unauthorized XXXX was also found. It had somehow been added and removed before detection. XXXX transactions. XXXX {$160.00}, and XXXX {$140.00} The Venmo account of ours in question has been used successfully over hundreds of transactions up until these transactions An important distinction is to note that all authorized transfers from this account have had the XXXX option selected ( to avoid the instant transfer fee ) and yet all XXXX fraudulent transactions had the " instant '' option selected. 

Contact was made immediately with Venmo. The representative stated that such fraudulent transactions were not possible, and that these transactions must've been initiated by us. They were not. This assertion by Venmo staff is not only erroneous and unprofessional, it is also insulting. We were informed that a supervising account representative would be in email contact with us soon. So far no such contact has happened. 

It is our hope to receive aid in recovering lost funds and be informed as to how such unauthorized transactions could occur with an account so closely connected to our banking and business institution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I was beyond on payments with Dovenmuehle Mortgages company back in  XXXX . I was told to pay  XXXX  to the attorney to reinstatement my loan, which I did, but then I discovered the amount paid was an over payment. I was then to by  XXXX , that I would be expecting a refunded of {$490.00}. I spoke with  XXXX   XXXX  on several occasions about the money owed to me, which I am still owed {$140.00}..      XXXX  told me the fee of {$140.00} was never included in the reinstatement letter, and that he would work with the foreclosure department to have the fee waived, because the company is unable to charge me for a fee I knew nothing about. It is now  XXXX / XXXX / XXXX  and I have yet to receive the money.     Also, back in  XXXX  I mailed a {$10.00} money order to start the forbearance plan to save my home, and that money was received by Dovemuehle but never applied to my account..     I would also like to mention that this company is the worst to deal with and I truly hate them for what they did to me from start to finish. They also tried to charge me {$9600.00} to reinstate my loan, when I only owed  XXXX  to bring the account current including the attorney fee 's. I feel like they were forcing me to lose my home.     As of today I am owed a total of  XXXX  and I would like my money back. Thank you!
Product: Mortgage

Due to medical issues if a family member, and assisting an adult son also with medical issue, I was is forbeance for a few months. 

Upon agreeing to start the payments, I was told I had to modify my loan, which I understood. 
When receiving the details, my interest rate jumped from 3.75 % to7.0 % added 10 years on to the mortgage, and monthly payment went from {$770.00} to {$1.00}, XXXXXXXX XXXX I asked how this was helping me, when asking to paying my extra each month to pay the arrears. Their reason was I could not afford it. But I can afford an extra {$300.00} amount for another 33 years. 

I am making more money now than I was, and they never did any sort of financial check. 

I feel I'm being penalized for a financial issue I had no control over. 

I had to sign a modified agreement to keep from going into foreclosure
Product: Debt collection

I had a phone account open with XXXX phone company some years back. I did a trade in to switch over with XXXX XXXX XXXX. I returned the XXXX phone back through the mail to get my trade in credits with XXXX XXXX XXXX XXXX told me they would close the phone account because I no longer had the phone in my possession, after I sent the trade in back through the mail, They never closed the account and charged it as a debt collector on my credit report with inaccurate information without any of my consent or notification what so ever.I never new it was on my credit report & I want it off my credit report and they gave me a balance of {$250.00} dollars. I payed {$51.00} dollars on the collection. But I want to know if theyre goin to delete it off my report. I tried disputing it through the company and XXXX XXXX. The account was opened XXXX XXXX. Last reported XXXX XXXX. The balance left is {$200.00}. Can you help me please Im looking to start a business and it wont be a good look for lenders. Thanks a lot!
Product: Credit card or prepaid card

Hello, I received a credit alert via XXXX XXXX that there was a hard inquiry placed on my XXXX credit report from Montgomery Ward on XX/XX/2022. I have no applied for credit with Montgomery Ward and had no knowledge that this company was still in business. I contacted Montgomery Ward on XX/XX/2022 at XXXX EST and spoke with XXXX representatives, both state that the only time they place a hard inquiry is when an order is placed and both checked my name, address and phone number and states there's no order placed under my name so therefore, there could be no hard inquiry. This simply does not make sense, I understand what their process is but as I stated to both representatives, I have no applied for credit nor placed and order and therefore, this is clearly fraud. I asked multiple times to have a search via my social security number which was not granted although I was told repeatedly that there is no order under my name. I was assume that there would not be if this is a fraud case because why ever in the world would someone committing fraud be so kind as to steal my identity and also send me the order? I would like this issue investigated and resolved immediately.
Product: Payday loan, title loan, or personal loan

In XXXX I started receiving a ton of emails and calls about loans I applied for. I did not apply for any loans. XXXX informed me my info was shared on the dark web. XXXX XXXX came to my account and I return it from another company. Boost Finance claims a loan was sent to a prepaid card. I have spoken to them several times and they will not investigate their own issue of allowing scammers to apply for and receive loans on prepaid cards. I have not received any money from this company.
Product: Student loan

XXXX   XXXX , i have received some documentation from aspire.     however, i have NOT received what i am requesting.     the information is NOT in chronological order.     the information does NOT contain a complete breakdown and explanation of fees charged, etc.     i find it interesting, that you suggest i contact companies that are either ones that aspire acquired and/or are no longer in business.     i have attempted repeatedly, to get assistance from the customer service department about my loan, all to zero avail.     i completely dispute the amount you are reporting or reported that i owe.
Product: Credit reporting or other personal consumer reports

The Aidvantage website shows that I only have XXXX active loans with a balance, the rest have a status of Paid in full/Discharged. However after multiple disputes through XXXX, Aidvantage refuses to update the status of the other XXXX loans with the credit agency ( both XXXX and XXXX ). My XXXX report shows the correct balances.
Product: Credit reporting or other personal consumer reports

on XX/XX/24 I submitted a complaint that no permission was given to report the following accounts on my credit report ( complaint # XXXX ) I even provided written documentation that the companies were notified and notified your agency with copies of documentation and you still violated my rights under FCRA and allowed inaccurate information to be reported and allowed my personal information to be trafficked without my written consent, and After being notified in writing you violated sections 616 and 617 willful and negligent non-compliance I further state once again : ** this a direct violation of my instructions - 15 U.S.C. 1681, Section 604a, Section 2 ** this a direct violation of my privacy - 15 U.S.C. 1681, Section 602 *** you have allowed credit card companies to report late payments in violation of - 15 U.S.C. 1666b I DID NOT AND DO NOT GIVE MY PERMISION FOR THE FOLLOWING ACCOUNTS TO BE REPORTED **** and I Further state that I owe no Debt : ( See Attached Documents ) The following accounts are in violation : and have no permission to report and no debt exists. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Unauthorized Credit inquiries According to my most recent credit report, your company is currently reporting to the three credit bureaus that I had applied for credit with your organization. I do not recall granting you authorization to review my credit report. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiries. If a signed authorization can not be found please remove the inquiries from the three main credit bureaus. The presence of this inquiries is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiries. 
Inquiries info : XXXX XXXX Inquiries : XXXX XXXX, XXXX ; XXXX XXXX, XXXX and XXXX XXXX, XXXX WELLS FARGO BANK NA Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX  Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : US DEPT ED Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I have a complaint with a company that is no longer in business, XXXX XXXX XXXX and with the servicer of my loan, Navient. 
I graduated from college in XX/XX/XXXX with XXXX fed loans totaling {$91000.00} at 8 % interest. 
First 2 years I had deferred my loan since I was starting out in practice and not making a lot. I started paying the loan for 2 years. In XX/XX/XXXX I was advised to consolidate and start in an XXXX ( income based repayment plan ). The XXXX is a plan you pay for 25 years and after the 25 years the remaining is forgiven. This was with XXXX. 
I started with this plan and was paying into this program. 
In XX/XX/XXXX a third party company contacted me XXXX XXXX XXXX ( XXXX ) and told me since I was a XXXX working in the public and providing public service I would be qualified to sign up with the PSLF program ( Public Service Loan Forgiveness Program ). 
This is an IBR program where you pay for 10 years and then what is left is forgiven. 
They connected me with Navient and both companies agreed and assured me that I was in this program and I was well qualified. I also contacted the Fed loans servicing department and asked if I would be qualified for this program and over the phone they told me yes so I signed up with this program with XXXX and Navient and paid XXXX {$1000.00}. 
Last year I contacted Navient to confirm I was in the program and how many years I have left and they told me I was not in the PSLF program ( I did n't qualify because I am not a non-profit ) and that I had started over with the 25 year IBR program in XX/XX/XXXX when I switched to Navient. They had never told me I needed to be a non-profit or a not-for profit, just that I had to be in the medical field working with the public in a depressed area. 
Even the Fed Servicing Dept had asked me several questions and assured me that I was qualified and never asked if I was a non-profit. They just asked my specialty and if I work with the public and provide public educating. 

Now I should have 13 years of 25 credit paying into the IBR program but I only have 2 years credit. I have lost 11 years of credit. 
I feel that I was tricked, misled and lied to about this program. 
When I tried to find XXXX they are out of business because of fraud and scams. 
I began with {$91000.00} in loans, I have paid close to {$90000.00} over the years and I still owe {$190000.00} right now with the 8 % interest. I feel trapped and with no end. 
I feel that Navient should be part responsible for agreeing with this XXXX and they should give me back the 13 years of credit I should have with the IBR program.