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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items that have been reported on my credit report by your agency. I am emotionally distressed to see that there are several late payment accounts, charge off accounts and collection accounts that have been reported on my credit report, including : XXXX XXXX Late Payment Account XXXX XXXX XXXXXXXX Late Payment Account XXXX XXXX Charge Off Account NAVIENT XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge off Account XXXX XXXX Charge Off Account I would like to bring to your attention that some of these accounts have been erroneously reported or are in violation of certain laws. As per the Fair Credit Reporting Act, credit reporting agencies must ensure that all the information they report on a consumer 's credit report is accurate, complete and verifiable. Any inaccuracies or incomplete information can have a negative impact on the credit score of the consumer.

In this regard, I would like to point out that the late payment accounts reported by XXXX  and XXXX XXXX were due to a temporary financial hardship that I was facing at that time. However, I have since then made every effort to bring my accounts up to date and have been making regular payments on these accounts. 
Regarding the charge off accounts, I dispute their validity and request that they be removed from my credit report. The accounts reported by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX were all included in a bankruptcy filing that I had made in the past. As per the Fair Credit Reporting Act, any account that has been included in a bankruptcy filing should be removed from the credit report after a certain period of time. 
I would appreciate it if you could investigate the validity of these accounts and take appropriate action to remove any inaccurate or incomplete information from my credit report. I trust that you will comply with the laws and regulations pertaining to credit reporting and take the necessary steps to ensure that my credit report is accurate and up to date. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Phone : XXXX Email : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Unauthorized Hard Inquiries on Credit Report To Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries that appear on my credit report. I did not authorize the following companies to access my credit file, and therefore, these inquiries should be removed from my report immediately. The hard inquiries in question are : XXXX Date of Inquiry : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Scheduled to Remain Until : XX/XX/XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX IA XXXX XXXX to Remain Until : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, TX XXXX XXXX to XXXX Until : XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, OR XXXX XXXX to Remain Until : XX/XX/XXXX XXXX XXXX NA Date of Inquiry : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX to XXXX Until : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX XXXX to XXXX Until : XX/XX/XXXX Legal Basis for Removal Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ), hard inquiries should only appear on a credit report when the consumer has provided express written consent for a credit check or application. Since I did not authorize these inquiries, their presence on my credit report constitutes a violation of my rights under this provision of the FCRA.

Additionally, 15 U.S.C. 1681c-2 requires that any information related to identity theft or unauthorized transactions must be blocked within 4 business days of receiving notice from the consumer. Since these inquiries were unauthorized, I am requesting that you block and remove them from my report as required by law.

Request for Resolution I am requesting that these unauthorized hard inquiries be removed from my credit report immediately. If you need further information or documentation to proceed with this dispute, please inform me promptly. 
Please provide written confirmation that these inquiries have been removed from my credit report within 30 days, as required by the FCRA. 
Thank you for your prompt attention to this matter. I look forward to your swift resolution of these inaccuracies. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the XXXX  account has violated my rights.

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

18 U.S.C. 1028A Aggravated Identity Theft 15 U.S.C 1681 section 604 A it also states that a consumer reporting agency can not furnish an account without my written instructions.

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

15 U.S.C 6802 Obligation with respect to disclosures of personal information According to the fair credit reporting act section 605B. It is illegal to report information on my credit report without my permission 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccurac
ies are not resolved.

Attorney Fees Reimbursement : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved. This matter requires legal intervention, I will pursue recovery of all related costs and attorney fees. 

reached out to all XXXX credit bureaus by phone and by mail no update no investigation paperwork or update, and no response
Product: Credit card or prepaid card

I applied for an XXXX credit card that is issued through Comenity Capital Bank. This is a credit card that can only be used for medical bills. I applied because I needed XXXX XXXXXXXX. I was approved for a {$8800.00} credit limit and was given XXXX options to pay off the debt. XXXX option was a 24 months payment plan where the card would be paid off in full in 24 months with no interest. The second option was for a longer term with lower monthly payments but I would have to pay interest. When I applied they website showed be a chart with the payment amounts that would be due for each plan. I chose the 24 month plan. I started making payments and for at least the first year and a half I paid more than the minimum amount due. The minimum payment each month was lower because I was paying more than the minimum so I thought I would be able to pay the loan off early. I received an email from them telling me I had to pay off the balance by XX/XX/2022 to avoid paying interest and the balance at that time was over {$3000.00}. My balance now is {$8100.00} which means I owe almost as much as the original loan amount after 2 years of payments. I agreed to their 24 month payment plan where they set the payment amounts which they said would pay the loan off in 24 months. They obviously lied to me and set the payments lower than what would pay off the loan on time. They did not tell me the loan would not be paid on time if I only paid the payments they set. I would have made bigger payments if I knew the loan would not be paid off in full on time. I didn't know this because they set the payments. They even compared the XXXX payment plans side by side showing me the 24 month plan with no interest vs. the longer payment plan with interest. My monthly payment went from {$130.00} in XXXX to {$280.00} in XXXX. I can not afford these payments now. This company obviously lied to me that the payment plan they gave my would pay the loan off on time with no interest owed. There is no way I should owe them interest when they lied to me about the payment amounts. They are obviously doing this to other people if they did it to me. How many people have been blindsided by this like I was?
Product: Checking or savings account

I received a XXXX  envelope on XXXXand enclosed was a thank you letter for opening an online savings account on XX/XX/21 with Vio Bank. I did not open an account or attempt to open an account with Vio Bank.
Product: Student loan

MOHELA is refusing to put my loans on in-school deferment, as I am enrolled at least half time at the University of XXXX XXXX XXXX XXXX XXXX XXXXXXXX notified them that I was enrolled on XX/XX/2024 through the XXXX XXXX XXXX XXXX. MOHELA says that my forbearance ends in 6 days and I am expected to make my first payment on XX/XX/XXXX. 

I have reached out to MOHELA at least 3 times by email, and another 3 times by phone. They refused to respond to all of my emails for the last month. I spoke with 3 different representatives by phone over the last month. Each confirmed that I am a student at least half time and that they received this status update from the XXXX XXXX XXXXXXXX XXXX on XX/XX/2024. They have refused to send me an email confirming that. 

The first representative in XXXX stated that they were awaiting the report from the XXXX XXXX XXXX XXXX and when they receive it they will update my status. When they received the report on XX/XX/2024, MOHELA updated it to say I was not in school and my loans are due in XXXX. 

The second representative I spoke to on XX/XX/XXXX confirmed that they were informed by the XXXX XXXX XXXXXXXX XXXX on XX/XX/2024 that I am enrolled at least half time. This representative stated that my account will change to in-school deferment in 2-3 business days. It has been almost 3 weeks and the status has not changed. I therefore called a third time.

I spoke with another representative for the third time, XXXX ( MOHELA employee number # XXXX ) on XX/XX/XXXX, from XXXX to XXXX. I spent an hour with him. He also confirmed that I am a student and should be on in-school deferment. After contacting his supervisor to get answers, they still did not know why MOHELA is refusing to update my status. He stated he does not know when the status will change. I requested that he send me an email stating that he confirmed that they received my enrollment data from the XXXX XXXX XXXX XXXX After seeking permission from his supervisor, he refused to send me an email confirming that they received the documentation from the XXXX XXXX XXXX XXXX. He then told me that he can not help me, and he does not know why they won't change my status. 

I am attaching the following : my certified enrollment status from the XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXXXXXX 's records showing that MOHELA received my enrollment data.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> THESE WERE NOT AUTHORISED BY ME. 
THIS INQUIREY SHOULD BE REMOVED 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 inructions 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

I have noticed this fraudulent account appeared on my report.
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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 card

I got approved for a credit card with concorda credit I sent everything they wanted me to send im and never heard anything back from them and its a hard inquiry on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd letter 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 do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

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. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00}, XXXX XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX, XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$0.00}, XXXX XXXXXXXX : Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Asset Amount : {$0.00}, and U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XX/XX/XXXX Asset Amount : {$0.00}.
Product: Credit card

I have a Visa card through Citi.com My XXXX Score on their site started to go down around XXXX and I started reporting the issue in XXXX. They laughed at me for caring. Then in XXXX, they lowered my credit limit because the score went all the way down to the XXXX XXXX  ( note my score is around XXXX XXXX ). I reported it several times, they told me to report to XXXX which I did. I got all my XXXX annual reports and sent them with proofs from XXXX, XXXX, XXXX sites with the scores for them as well. Got a letter back saying it is not their problem but XXXX. I called again in XXXX, and they told me to mail the same information again to yet another XXXX XXXX XXXX which I did to get the same exact template answer letter. Today, XX/XX/XXXX, I called this time during the weekdays and they kept switching me from group to group for over an hour and finally I am speaking with a person stating that they are an officer at the bank. Again, he refused to do anything except read the same template over and over that it is not heir fault and the data coming to them is wrong from XXXX. I informed him with multiple examples about Middle in the Man attack as a possible cause and I also informed him that their systems are compromised if they are the ONLY company that does not have the correct information. 
I even informed the officer that they are legally required to report to an XXXX number that there is something wrong with their data and that their systems are compromised and he refused and continued re-stating the same template that the data issue is from XXXX. He even refused to have me put him on a XXXX way call with XXXX to resolve this.
Product: Debt collection

I got a sketchy voicemail from a debt collector that sounded like a scam. I already paid for the XXXX on XX/XX/2022. I just got something in the mail saying i need to paid. Its already paid. I dont understand.
Product: Checking or savings account

I placed a order that I never received and I sent proof to Wells Fargo. My payment was processed through a 3rd party XXXX and I was told to dispute this with my bank which i did> The items that I was supposed to receive was supposed to be delivered to the management office where I live and they wasn't they was delivered to the wrong place. I need Wells Fargo to call me in person they have my cellphone number ( XXXX ) XXXX. Because of they neglect my account is now overdraft bad enough I am dealing with freshly being discriminated against by one of their managers and now this it seems like Wells Fargo is trying to give me problems. I need help and answers ASAP. In the picture shows the door that the package was I guessed dropped off at, and I included my actual door showing where I live and it has my unit number on it and I never got these packages. I have attached pictures in a PDF format.
Product: Credit card

I bank on line. My income is Social Security which checks are received the XXXX Wednesday of month. Once or twice a year because of how the Wednesday falls, my payment might bea day late. My due date is the XXXX of the month. My bank sent my FINAL payment on my account with Catherines  ( held by Comenity Bank in XXXX, Ohio ) on XX/XX/2023. The bank indicates payment PENDING until it is delivered and then indicates PROCESSED. It was processed on XX/XX/2023. I received a bill in XXXX indicating my payment and a {$41.00} late fee. I contacted Catherines  and they refused to remove this charge. I contacted Comenity twice and they refuse. I closed my Catherine Account. I continue to received additional charges now to the tune of {$240.00}. I believe the problem is with their POSTING OF MY PAYMENT. In addition, I believe that all circumstances surrounding this payment should be considered within the realm of reason. 

I received a correspondence recently that underscores my belief that Comenity is about GREED AND XXXX  THEIR CUSTOMERS. I have held accounts with other Comenity charge cards. You can go through all of them for years and see how I have paid my accounts. Late charges were always due to SS checks and I have always either contacted them or paid. I am XXXX XXXX XXXX on fixed income. I have been a good customer. 

Comenty bank charges 29 % interest and for me {$41.00} late fees or more. Interest is usury and should be stopped for all these credit card companies. It used to be that anything over 15 % was named USURY! This manner of treatment of customers is criminal and I look to your organization and others to do something about this. I will not pay these charges! They are wrong and I do truly believe criminal!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed fraudulent information appearing in my credit history report with Equifax. Equifax has negligently avoided its responsibilities under the FAIR CREDIT REPORTING ACT by failure to remove fraudulent information in my credit report.
Product: Credit card

These accounts are on my credit history and I'm not sure how they have ended up there without my knowledge. As far as i know there are no amounts according to my credit report but im not sure if anything suspicious was done before the balance went to XXXX. Now they sit on my credit history as a negative report and its frustrating to have to deal with this matter, I am trying my best to resolve this issue. please help me. According to the dates these accounts were open, they have been existing for a while now. The dates for the accounts are, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

As of XX/XX/XXXX I was supposed to get my direct deposit from my work into my bank account. $ XXXXCapital one bank Then I got anEmail from capital one bank on XX/XX/XXXX at XXXX stating there was a System issue impacting deposits, payments and transfers and that it would be resolved by Friday morning. It's now Friday evening and Monday the banks are closed due to XXXX XXXX XXXX XXXX. I would like to know when this resolution will be resolved.Do I have to wait weeks or months. I live paycheck to paycheck and I can't pay my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance to the Fair Credit Reporting Act, XXXX  account number XXXX. 
XXXX XXXX XXXX XXXXXXXXaccount number XXXX XXXX  XXXX  XXXX account number XXXX XXXX XXXX  XXXX XXXX  Account number XXXX. 
XXXX XXXX XXXX  account number XXXX US District Court 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 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

My card was randomly revoked without notice, I only found out when I was trying to order car parts for my project car. I called and asked why It says I have no card on file and I was vaguely told miss-use. So I asked can you tell me which transactions are deemed as miss-use of my own money?, I got no response. I was told I would be transferred to another representative which I wasnt and just got hung up on. I called back to ask for the reason my card was randomly revoked and I still got no answer. My next move is to move all my money out of my Wells Fargo to my main banking account. I go to make a wire transfer and of course I cant and XXXX given a prompt to call Wells Fargo to verify my identity which I have done XXXX XXXX. So I confirm my identity and am told my number being changed was the problem, so it was updated in the system and I was told that I wouldnt have an issue. Try again, of course doesnt work, I log into my XXXX  to transfer my money, cant connect my account, log into XXXX cant connect my Wells Fargo there either. I call back againnnnnn and get a superior on the line and am told that I have to set up online wire transfers for it to work and that XXXX transfer me to the department that will help. Transfer is done I tell the lady what I was just told and she basically says I was fed a load of XXXX. by a higher up!? You cant make this up, my money is just unaccessible, cant move it, cant spend it, because they saw my purchases as suspicious. Mind you I buy car parts on this bank account.So suspicious. I call again to just renew my debit, the lady goes you cant have another card until XXXX  months has lapsed. At this point all I can do is laugh or XXXX lose every piece of my mind that I have left dealing with this silly bank. At this point XXXX still cant move my money great stuff cant make this up really. There is nooooo way this is ethical at all. All legit deposits from my work and tax return, all my statements are food and car parts like what on earth do they consider suspicious over there. XXXX had this problem with any of my banks just XXXX XXXX.