23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I refinanced my XXXX student loan through SOFI. I have only ever had one student loan with a balance of around {$40000.00} and that was the one I refinanced simply for a lower interest rate. I refinanced it around XX/XX/XXXX and by XX/XX/XXXX the existing loan with XXXX still had not been paid off by SOFI. I was only a little concerned at this point because I knew it can be a long process. Around that time my new loan with SOFI ( the one I now should have with the lower interest rate ) and it had a balance of {$44000.00}, but my existing loan through XXXX still had not been paid off. Then I saw on my XXXX loan payment history there was a payment of {$4400.00} towards it from SOFI. SOFI sent XXXX the wrong amount of money to pay off my existing loan- they sent {$4400.00} when they should have sent over {$44000.00} ( the balance of my new loan with the lower rate ). As of XX/XX/XXXX I have had two loans and two monthly payments. This is fraud and I chatted with multiple agents from SOFI and all told me my existing loan was already paid off. I have spoken with multiple agents on the phone and they lie to me. For example, XXXXne agent transferred me to citizens bank instead of the originations department like I had requested. They all say they can't do anything and I just get transferred for hours. One lady told me there was a glitch in the system and that is why my I still have two loans showing up on my SOFI profile. That same lady then told me there was an error with the payment and the funds were resent on XX/XX/XXXX via XXXX to XXXX and the payment should be posted to your account by XX/XX/XXXX the latest. I then asked for proof of the payment being made on the XXXX of XXXX and she emailed me. The email had no real proof the funds were sent. ( see attached photo ) The payment never showed up on on my account- the only payment is the monthly auto-pay that I am still paying for and it should have been paid off by now. If this woman is telling the truth then why was I never notified of what was going on? I am extremely upset as now by debt has doubled, I have been struggling with two monthly payments, and nobody at SOFI is able to help me.
Product: Debt collection

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. 

XXXX XXXX XXXX XXXX {$340.00}, XXXX XXXX XXXX XXXX {$770.00}, XXXX XXXX XXXX {$360.00}, XXXX XXXX XXXX XXXX {$680.00}, and XXXXXXXX XXXX XXXXXXXX {$1300.00} 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: Credit reporting, credit repair services, or other personal consumer reports

HERE ARE THE OTHER COMPANIES THAT ARE SHOWING AS HARD INQUIRIES ERRONEOUSLY ON MY CREDIT REPORTING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : DEPTEDXXXX : Account Number : XXXX Account Name : DEPTEDXXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 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: Credit reporting or other personal consumer reports

I have recently acquired my credit report. After carefully reviewing it's contents, I have found that my report contains adverse information. I am requesting that the inaccurate information listed in the enclosed attachment be deleted according to the Fair Credit Reporting Act, 1681c. A period of thirty ( 30 ) days shall be " reasonable time '' to investigate the accounts in question, unless you notify me immediately otherwise. Please provide me with written notification of the appropriate corrections and an updated credit report... Remove inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally request the immediate removal of certain unauthorized inquiries listed on my credit report. Upon reviewing my credit report, I have identified multiple inquiries that are not attached to any active accounts. These inquiries are adversely affecting my credit score and overall financial profile.

I kindly request that you remove the following unauthorized inquiries within four business days, as they are not associated with any active accounts on my credit report : XXXX. XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX - Inquiry date : XX/XX/2023 XXXX. XXXX XXXX XXXXXXXX - Inquiry date : XXXX XXXX XXXX XXXX. XXXX - Inquiry date : XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX - Inquiry date : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/2023 XXXX. XXXX XXXX - Inquiry date : XXXX XXXX XXXX  XXXX. XXXX - Inquiry date : XX/XX/2023 XXXX. XXXX XXXX XXXX - Inquiry date : XX/XX/2023 These unauthorized inquiries do not correspond to any active accounts or credit applications made by me. Therefore, I am requesting their immediate removal from my credit report. I understand that unauthorized inquiries can significantly impact my credit score and future financial endeavors. As a responsible consumer, I strive to maintain an accurate credit history, and these inquiries do not accurately represent my creditworthiness. 

I kindly request that you thoroughly investigate these unauthorized inquiries and take appropriate action to remove them from my credit report within the specified timeframe. I appreciate your attention to this matter and your cooperation in rectifying this issue promptly. 

I look forward to receiving written confirmation once the unauthorized inquiries have been successfully removed from my credit report. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments 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 XXXX  days before the payment due date.

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

Made mortgage payment XX/XX/2021 full amount on time via my online bank bill pay. XXXX XXXX XXXX told me they received my payment and then returned it, XXXX XXXX XXXX, by accident and all late fees for XXXX would be dropped because they XXXX XXXXXXXX XXXX shouldn't have returned my payment. 

However, XXXX 2021 mortgage payment was not returned to my bank account as XXXX claims. I sent XXXX the ID trace # for this missing XXXX 2021 mortgage payment so they could it trace payment all the way back to the federal reserve. I also provided XXXX my bank statement for XXXX 2021 to help XXXX find my XXXX 2021 mortgage payment. 

XXXX is now saying that they received the payment and that my bank XXXX XXXX XXXX XXXX did not honor the XXXX 2021 mortgage payment and it was returned to my account. XXXX XXXX says this never happened per review of my XXXX 2021 bank statement it shows mortgage payment was received and paid in full. 

I have disputed XXXX claims and have been unable to get the help I need to resolve this " missing XXXX 2021 mortgage payment '' plus late fees. I would like my payment found and returned to me asap. 

Even though I have provided the trace id number and bank statement for XX/XX/2021 mortgage payment XXXX continues to put me off. Instead of following the facts XXXX says my payment was dishonored by my bank yet they provide no explanation or proof for this claim.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and concern regarding the continued presence of inaccurate items on my credit report, despite multiple attempts to have them corrected and removed. These inaccuracies are causing significant harm to my creditworthiness and financial well-being, and it is essential that they be resolved without further delay. 

I have previously submitted multiple dispute letters to your bureau regarding these inaccuracies, with no resolution to date. Copies of my previous dispute letters are enclosed for your reference. 

I kindly request that you conduct a thorough reevaluation of these discrepancies and take immediate action to correct my credit report by removing the inaccurate items. The Fair Credit Reporting Act ( FCRA ) stipulates that credit reports must be accurate and up-to-date, and these inaccuracies are clear violations of this regulation. 

Enclosed with this letter, you will find the following documents : Copies of my previous dispute letters submitted to your bureau. 
Supporting evidence that demonstrates the inaccuracies, such as bank statements, correspondence with creditors, or any relevant documentation. 
I expect to receive a written response from your bureau within 30 days of your receipt of this letter, as required by the FCRA. Your response should include the results of your investigation, the actions taken to rectify the inaccuracies, and a revised copy of my credit report that reflects these necessary corrections. 

Furthermore, it is your responsibility to inform the creditors associated with these inaccuracies about the dispute and provide them with the requisite documentation, as required by federal law. 

The continued presence of these inaccuracies is seriously impacting my financial well-being and ability to access credit. I implore you to prioritize this matter and resolve it promptly to restore the accuracy of my credit history. Please assist me to remove these fraudulent items in my credit report : XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : $ XXXX charge off XXXX XXXXXXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

" Experian has failed to meet its legal obligations under the Fair Credit Reporting Act by not conducting a reasonable reinvestigation of disputed information. As a result, inaccurate or unverifiable accounts remain unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed lawsuits against Experian for similar failures, such as not forwarding consumer evidence and accepting unreliable responses. These issues mirror my own experience. ''
Product: Credit reporting or other personal consumer reports

On my credit report I see Hard inquaries that dont belong to me, I would like these removed please : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

in accordance with the fair credit reporting act Sallie May Bank Inc has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as a late for any purpose
Product: Debt collection

I wrote a letter to the Credit Corp Solution , Inc. CEO. I mailed the letter to the headquarters address on XX/XX/2024, and I also mailed the same letter to their attorney. I asked them to stop the calls. And I also asked them to mail to me verification of the debt that they claim that I owe them. They have called me every day starting XX/XX/2024, to present from different phone numbers. I ask them to only communicate with me through the mail.
Product: Credit reporting or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX  XXXX ; Inquiry : XXXX XXXX Inquiry XXXX XX/XX/2023 XXXX
Product: Debt collection

On XXXX XXXX, 2016 I appeared at an alleged creditor foreclosure hearing case number XXXX SP XXXX at the XXXX XXXX XXXX courthouse in front of an alleged assistant clerk named XXXX XXXX XXXX acting as a judge and whom is not an attorney nor a judge and was acting in and for a debt collector in violation of the FDCPA. I am a consumer under 1692a ( 3 ) and the creditor under 1692a ( 4 ) .The alleged assistant clerk knew or should have known what she was doing was illegal when she acted outside of her jurisdiction regarding a consumer transaction which was timely rescinded under federal law. The alleged assistant state court clerk allowed a debt collector 1692a ( 6 ) who was attempting to collect a personal, family and household debt 1692a ( 5 ) to be conducted in a creditor related non-judicial state court action in violation of the FDCPA 15 USC 1692i. The clerk threatened me stating she would call the bailiff into the room because I was objecting to statements made by a debt collector and because I asked if the court had given the debt collector prior written consent before they contacted me. The clerk was disrespectful to me by stating that I was to keep my mouth closed and only speak when spoken to ; and making statements that I should have gotten an attorney when I objected to my personal and private contracts being placed in the public record in violation of privacy laws. The assistant state court clerk additionally began advocating for the debt collector that an alleged debt was accelerated and I was given notice when I objected that I had not and asked for proof of delivery. For these reasons and the conduct and behavior stated above I am placing the complaint against XXXX XXXX XXXX with the Consumer Financial Protection Bureau.
Product: Debt collection

In either XXXX or XXXX, I reveieved a call from the debt collection agency stating I owed a final bill on some XXXX account. I explained that I didnt own that XXXX account or the debt that it must be in regards to my fathers account. I then stated I would pay a partial amount to just be done with it because the collector stated that regardless of who owed the debt it would be reported on my credit and I wanted to avoid this. Then a few days after that call and payment, I receieved another call from an agressive collector stating the amount owed was not for a final bill ( as originally stated ) but instead for an equipment charge. I also explained that I had no idea what he was talking about and asked for validation of the debt, that I never received, but he said it was validated by their client and that it would be reflected on my credit regardless of who owed the debt. 

At that point I refused to pay and stated on the recording line that I was disputing the debt, sent an email stating I was disputing the debt and demanded a proper validation of the debt. 

On XXXX of XXXX, I finally receieved some formal notice of the debt in the mail. It was not a validation letter or an itemized bill explaining the debt but just a letter stating I owed {$130.00}. I then received a phone call regarding that same debt and the representative said I owed more than what was stated in the formal notice. Due to this disprencency, I sent email alleging this was a violation of the FCDPA 807 ( 2 ) ( A ) and demanded formal validation notice and an itemized bill and proof that this debt belong to me. 

I received absolutely nothing from the debt collection agency. Now, I see that both Credence Resource Management and XXXX XXXX are reporting the same exact debt on my credit but again with different amounts. ( CRM : {$140.00} - XXXX XXXX {$270.00} ). 

I have yet to receive a formal validation notice, itemized bill or proof the debt belongs to me from either agency.
Product: Debt collection

Debt is unknown, never received collection letters or calls, it just shows on my credit report, account not mine.
Product: Credit card or prepaid card

AN HSN CARD WAS OPEN IN MY NAME. I TOLD THE COMPANY I NEVER APPLIED FOR A CARD THEY WOULD NOT LISTEN TO THIS TO A COLLECTION AGENCY. I PURCHASED PRODUCTS USING MY DEBIT CARD OR SEND IN A CHECK MOSTLY. I DID NOT AUTHORIZED OR SIGNED FOR A CREDIT CARD NOR DID I USE THEIR CARD FOR PURCHASES. SOMEONE ELSE DID THIS I DID NOT AND IT WAS REPORTED TO CREDIT AGENCIES
Product: Credit reporting or other personal consumer reports

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Furthermore, it is imperative that you notify XXXX and XXXX to delete this information from my credit report immediately. The account in question is detailed and Unauthorized Accounts include the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. In addition, I am requesting for a copy of the 1099-C filed for the charged-off debt. These listed creditors must provide this to me, as the consumer, or you will be neglecting to comply with FEDERAL law. This leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report { insert creditor } to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. It is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. Failure to comply will result in legal action being pursued, including holding { insert creditor } accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately. This is now multiple attempts to fix this matter privately. I will now seek legal Counsil under 15 USC 1681n and 15 USC 1681o.
Product: Checking or savings account

My account was closed last year can you please explain why that happen.