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

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Student loan

On XX/XX/18, I received an email from Navient claiming I had a total amount due of {$400.00} on XX/XX/18 even though the company previously had emailed me a statement claiming that I had a total amount due of {$210.00} on XX/XX/18. The amount is supposed to be an income-driven payment. Meanwhile, I have made additional payments that are not being credited to the amount due. I sent an online complaint to the Navient Customer Advocate on XX/XX/18 and later received a voice mail at a time of day when I was

XXXX XXXX and could not call back. Since then, I still have not received written correspondence from Navient. Also, an earlier complaint I submitted to CFPB regarding the repeated inability to sign in to Navient 's Web site still has not been resolved. Thank you.
Product: Credit reporting or other personal consumer reports

I was shocked and frustrated to discover an unauthorized inquiry on my credit report today. I always monitor my report, and this is the XXXX  time Ive seen something like this happen. I even refreshed my browser multiple times, but the inquiry was still there. This needs to be resolved immediately, and I demand a thorough review of my submitted documents to ensure that I wont have to deal with this issue ever again.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX  XXXX XXXX XXXX XXXX : {$46000.00} XXXX XXXX XXXX Balance : {$94000.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/year> XXXX 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 XXXXXX/XX/year>
Product: Debt collection

This company, its subsidiaries and or counterparts but not limited to, has attempted to collect on an unverified alleged debt not owed. This company, its subsidiaries and or counterparts but not limited to, has made harassing calls and or written communications but not limited to. This company, its subsidiaries and or counterparts but not limited to, then illegally filed a lawsuit without ever having spoken with alleged consumer and then impersonated an officer of the law who spoke to believed associates concerning alleged debt.THIS COMPANY, ITS SUBSIDIARIES AND OR COUNTERPARTS BUT NOT LIMITED TO, REFUSED SERVICE FOR A COMPLAINT.This company, its subsidiaries and or counterparts but not limited to, willfully and purposely reported illegal inaccurate credit reporting and defamatory statements but not limited to on alleged consumers credit.This company, its subsidiaries and or counterparts but not limited to, failed to follow FCRA 609 as demanded 43 times by way of certified mail.NO CONTRACTS WITH SIGNATURE HAVE EVER BEEN PRODUCED.ALLEGED CONSUMER KNOWS OF NOTHING THAT SUPPORTS THIS COMPANY, ITS SUBSIDIARIES AND OR COUNTERPARTS THAT ALLEGED CONSUMER OWES THEM ANY MONEY. THEREFORE THIS COMPANY, ITS SUBSIDIARIES AND OR COUNTERPARTS BUT NOT LIMITED TO IS TO REMOVE ANY AND ALL ILLEGAL INACCURATE CREDIT REPORTING AND ILLEGAL DEFAMATORY STATEMENTS, BUT NOT LIMITED TO, IMMEDIATELY BY THIS COMPANY, ITS SUBSIDIARIES AND OR COUNTERPARTS BUT NOT LIMITED TO.
Product: Credit card

Yes I was siting in my living room and my phone showed a purchase from XXXX XXXX of. I called XXXX Goldman XXXX saying I am in my living room with my card and my phone. I have not been to XXXX XXXX in over two weeks, so it was not a delayed tape run. They showed the purchase as being made on my phone which was with me at home! 
They had me change my XXXX password as we were shutting the card another charge was coming through, the other charge was cancelled immediately. Somehow they keep telling me I was at XXXX XXXX and I made the purchase. When I did not make this purchase, its beyond ridiculous for a XXXX card. Goldman XXXX is not protecting the consumers, I have never encounter such a terrible bank. People need to be very aware that there is no consumer protection on this credit card!
Product: Credit reporting or other personal consumer reports

In XXXX of 2024 I received a notice on my XXXX XXXX report from XXXX alerting me there was a derogatory remark on my report. I was shocked to see that a collection company named Diversified Adjustme was report for {$740.00}... I previously had the same account which held by another collection agency in same amount for {$740.00} which was on my XXXX credit report was previously removed. My question is how can a collection that was previously removed by the credit bureau be allowed to put the same collection account back on my credit report but instead allow another collection agency to do this. I believe this is not right and it is an unfair practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given TRANSUNION permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By putting inaccurate information on my consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, TRANSUNION are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX. XXXX ) I have not initiated any transaction with XXXX XXXX. 

Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX  for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Product: Checking or savings account

Bank of America showing I owe money but I dont not violations
Product: Credit reporting or other personal consumer reports

PLEASE KINDLY CHECK THE DOCUMENTS I'VE SENT. I SAW MY CREDIT REPORT THIS AFTERNOON BUT I'M STILL SHOCKED BY IT BECAUSE THE INACCURATE ACCOUNTS ARE STILL THERE.
Product: Credit reporting or other personal consumer reports

XXXX on report # XXXX violated 15 USC 1681eb and the FCRA by not deleting accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE BUREAUS
Product: Credit reporting or other personal consumer reports

They said they would call me in XXXX hours and never did. My credit is destroyed over {$78.00} dollar in back payment
Product: Credit card

I requested a credit line increase in XXXX XXXX. I was told it was declined due to pending XXXX against me. There is no XXXX that I am aware of, and asked for proof of said XXXX The company could not tell me anything- they seemed to talk in circles. They would repeatedly tell me there is XXXX against me but they couldnt tell me a case number or what the XXXX  was regarding. I have checked with XXXX and there have been no court cases on my credit report as far back as they keep records. I initially submitted a complaint to the CFPB In XXXX, and Capital One 's response was addressed to someone completely different! They sent me reasons for the decline in credit line increase, with someone elses name, address and that they were applying for an auto loan, none of which was true for me in any way. They literally sent me someone else 's decline letter, and they were satisfied with that response.
Product: Credit reporting or other personal consumer reports

Transunion is wrongfully reporting a late payment into my credit report. I have requested for proof of validation of the claimed late payment and have not received any information as of to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on XX/XX/19 and I have noticed unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround. I asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right. By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. Attached you will find my ID, and a bank statement showing proof of address & inquires in question.

Inquires In Question : XXXX XXXX ( XX/XX/2019. ) XXXX ( XX/XX/2019. ) XXXX XXXX ( XX/XX/2019. ) XXXX XXXX ( XX/XX/2019. ) XXXX ( XX/XX/2019. ) XXXX ( XX/XX/2019. ) XXXX XXXX XXXX ( XX/XX/2019. ) XXXX ( XX/XX/2019 ) XXXX XXXX XXXX ( XX/XX/2019 ) XXXX XXXX  ( XX/XX/2019 & XX/XX/2019 & XX/XX/2019. & XX/XX/2019 & XX/XX/2019. ) If you find the inquiries referenced above to be valid through physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

PLEASE DELETE THE FOLLOWING EQUIFAX : XXXX XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently reviewed my credit report and noticed late payments on my account. I have never been late paying my account and I would like to have these late payments removed.
Product: Debt collection

The Law Firm of Patenaude & Felix first sent a letter in XX/XX/XXXX which I responded same day via email and telephone to the offices. I never received a call back or response by email. Then in XXXX they sent me Affidavit in Support of Entry of Default which I responded back stating I was willing to dicuss a settlement back in XXXX but no one responded to me which I mailed this letter XXXX overnight and they did receive and sign for it.. They did not respond back to this letter either instead on XX/XX/XXXX I received another letter stating I was in default and they were going to file judgement against me claiming I never responded to their communications which is a lie. I don't know why they are being deceptive and continue to harass me via letters threatening to take me to court. This has caused me so much stress the harassment for no reason when I have tried to work with them. This latest letter was dated the XX/XX/XXXX but postmarked on XX/XX/XXXX and received on XX/XX/XXXX. They are even deceptive in their mailings.
Product: Debt collection

Weltman, Weinberg & Reis Co., LPA is an identified debt collector that obtain my nonpublic personal information without my consent through an nonaffiliated 3rd party source by the means of aggravated identity theft pursuant to 18 USC 1028A. Without my prior consent given directly or from the express permission of a court of competent jurisdiction allowing to do so pursuant to 15 USC 1692c ( a ), they have violated numerous of provisions under the Fair Debt Collection Practices Act ( 15 USC 1692 ) ; Fair Credit Extension Uniformity Ac ( 73 P.S. 2270.1 in their attempt to extort me. I REFUSE TO PAY SUCH ALLEGED DEBT and demanding Weltman, Weinberg & Reis Co., LPA to cease and desist communication through all mediums in reference to this alleged debt with me and any other person pursuant to 15 USC 1692c ( c ). *SEE ATTACHMENTS*
Product: Credit reporting

On XXXX XXXX, 2015, and by certified mail, as noted above to the XXXX major credit reporting agencies, and as documented via uploaded signed certified receipt green card, with my complaint. As per the Fair Credit Reporting Laws, the XXXX listed credit reporting agencies failed to respond within thirty ( 30 ) days. Credit Agencies have listed the account with account number XXXX. The account number is NOT 100 % correct, by law if the information is not 100 % correct namely the account #. IT MUST BE REMOVED!
Product: Student loan

I got this loan ( my mom was there, which is why it's the priv loans ) for XXXX XXXX for XXXX XXXX XXXX. my mom has been paying it back, with and without forbearance and delayed, and what have you. the total of the loan ( maybe 5yrs ago ) was arounf XXXX XXXX!!!! WHY?? how is it possible to be paying something off and the original loan amount jusy gets higher. what are we paying for, for almost 20yrs, that increases instead of decreasing while being paid?? also, they're hard/difficult to deal with when you call them for help. also very pushy when you're talking to them. also increasing monthly payments only to not put payments towards lowering the loan.
Product: Credit card

I have a Bank of America Credit Card. I got a statement for XXXX XXXX - XXXX XXXX with a New Balance Total of {$730.00} with a Due Date of XXXX/XXXX/2016. On XXXX XXXX when I received an e-mail for this statement, I paid the account off in full. On XXXX/XXXX/2016, I received an e-mail for the XX/XX/XXXX-XX/XX/XXXX period saying that I owe a Minimum Interest Fee of {$1.00} even though I had paid the full balance off and I have not added any additional payments. 

On the back of the statement it says, " We will not charge interest on Purchases on the next statement if you pay the New Balance Total in full by the Payment Due Date, and you had paid in full by the previous Payment Due Date. We will begin charging interest on Balance Transfers and Cash Advances on the transaction date. '' This is not fair to the customer as they get charged interest even though the balance is paid off in full and also that they do not get an e-mail saying they have a statement until the day after the closing date.
Product: Debt collection

Contacted the debt collector and made them aware debt is not mine. Disputed the account with company and the account is still on my report. This is affecting my credit report and preventing me from obtaining new credit.
Product: Credit reporting or other personal consumer reports

Applications have been submitted under my name without my knowledge or permission, and I dont recognize these inquiries. These unauthorized requests have caused companies to pull my credit report, which has negatively affected my credit score. I contacted the bureau, and a representative assured me these inquiries would be removed, but they still appear on my report, causing me additional stress.
Product: Mortgage

We received a permanent modification yesterday XXXX/XXXX/XXXX from Select Portfolio servicing with terms that was different from the previous servicer XXXX. We initially was approved for a trial modification with three timely payments from XXXX. During the process were assured by XXXX that once we met all the requirements by making all three payments on time, then we would be given a permanent modification with no balloon payments. Our 1st payment was completed on XXXX/XXXX/XXXX with XXXX. Immediately after making the 1st payment, XXXX transferred the rest of the loan modification process to select portfolio servicing. The XXXX told us that transfer is the right of the Investor. Our Investor is XXXX with XXXX as trustee. XXXX promised us that nothing will change with the new servicer and that they will forward all details of the approved to select portfolio and select portfolio is to follow everything done in agreement between us and XXXX. We were stunned to learn of a balloon payment of {$550000.00} due with accrued interest at the end of the maturity date. added to the final documents. This is not what we were promised by XXXX That is who we made our first payment with thereby agreeing to the rest of the trial period which we completely successfully. CFPB needs to carefully look into this and direct this lenders/Investors to stop breaking these laws that are still in effect to protect us consumers. The terms of the permanent loan modification is only 19years that they gave us. WHY? Is this a loan modification or some type of gimmick. why a balloon payment and moreover accruing interest. This is just to prevent us from enjoying all the benefits of home ownership and to leave something to our children a legacy. See attached documents when areas I have highlighted with side notes. Thank you for your immediate intervention. The new modification expires in 15 days.
Product: Consumer Loan

I had a XXXX BMW and due to all my expenses and paycuts I had to file bankruptcy. I spoke to them in XXXX XXXX about this. On XXXX XXXX/XXXX/XXXX my Bankruptcy was filed with the XXXX XXXX XXXX Court. On XXXX/XXXX/XXXX in disregard and violation of the Bankruptcy Protection they repossessed my car. I told my attorney. On XXXX/XXXX/XXXX my Chapter XXXX bankruptcy was discharged. BMW reported late payments in XXXX, XXXX, XXXX, XXXX XXXX in violation of the bankruptcy injunction with all XXXX credit bureaus XXXX. I was under bankruptcy chapter XXXX Protection and they proceeded with their collection activities. BMW has refused to correct my credit report history with the 3 Credit Bureau. This applies to both myself and my husband XXXX XXXX that filed separately. He filed on XXXX and discharge is scheduled XX/XX/XXXX.They should be showing the balance as -XXXX- and they are not in an attempt to collect on a discharged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/2022 XXXX
Product: Credit card or prepaid card

My balance due was {$850.00} and my minimum payment was {$19.00} due on XX/XX/XXXX. I had previously initiated a balance transfer, but in the meantime had paid {$19.00} to insure no late fees would be assessed. I also made two individual purchases ( {$15.00} and {$5.00} ) so as to hopefully have no balance. Two days later, the bank USAA received the balance transfer of {$850.00}. This actually resulted in me owing XXXX cents. I attempted to pay this balance on the XXXX of XXXX -before the closing date on my account. The system would NOT let me pay the remaining amount of XXXX cents. 
I called USAA on XX/XX/XXXX once again trying to pay the XXXX cents it said I owed. the representative could not help me. The representative suggested I go buy something in order to pay the balance ... this was NOT my goal. 
One day later, XX/XX/XXXX, I noticed a charge of {$16.00} has been added to my account. I called USAA to get clarification. 
They said it was because I still had a balance on my account and the interest was calculated on a daily amount. 
I am at my wits end with talking to USAA because from a consumer perspective if a bank says the statement balance is a specific amount, it leads a consumer to believe if they pay the entire statement balance then the account will have no balance!!!!!! 
This apparently is not true. I'm not understanding WHY, if I made every attempt to pay the entire balance, would I still be charged the interest. It's like double dipping. You pay the entire balance, but the bank still assesses you interest. If that is the case, then the billing statement needs to have an addendum " Even if you pay the entire amount due on or before the due date, interest has NOT been applied to the balance on your statement, and you will still be required to pay interest ''