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

I have been in contact with Discover and they had advised me on XX/XX/2021 that the amount that they had offered for a settlement was 50 % of the balance. They were contacted various times and this was not the amount advised as I had the information written. I'm in a significant hardship due a permanent health condition. The agent was advised that I was not able to come up with the funding which they advised was to settle at 65 % of the balance and would not change this amount. I have secured a amount that is close to the 50 % which is 35 days subsequent to the date I contacted the credit card. The position they have taken is to advise that they will not honor the 50 % which was not advised and kept requesting a minimum payment to secure the settlement which is higher than the 50 % now at 60 %. I have secured money from a family member to settle the debt and am formally requesting help from CFPB for the credit card company to honor what they advised would be the amount to settle with me. The last representative in XX/XX/2021 has misled me and not advised of the amount the representative advised on XX/XX/2021. Discover attempted to increase the settlement to 60 % and make the payments extend to 36 months to make it seem as if they were working with me but they are not as the increase of 10 percent is significant when do not have income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit card or prepaid card

COMENITY BANK has been down for over a week. Nothing works. I have payments due on the XXXX of XXXX that i always pay early to avoid interest. Due to their incompetence of having their website/phone system down. I have no way of making a payment. I cant even log in to see how much is owed. There are literally thousands of customers in the same boat if not millions who cant access their accounts. I shouldn't have to sit on my PC all day long to try to pay a bill This is having an impact on 2 store cards for me which are XXXX XXXX XXXX XXXX credit cards. I am missing out on paying less interest and now will probably be penalized by their automated system for being late since its not my fault their website and phone systems are down. You cant even reach a live person atm.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am disputing the collection account with TRUIST account number XXXX, dated XX/XX/year>, with a balance of {$XXXX}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that TRUIST, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my endeavor AGAIN to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX XXXX, MI XXXX ; XXXX XXXX XXXXXXXX Balance : {$570.00} ; XXXX XXXX XXXX Balance : {$7000.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; ( Original Creditor : XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attn : Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : This is not a dispute. I am a victim of Identity theft. Please do not act in violation of the FCRA 605b. As the consumer I have done my part in reporting this to all necessary authorities including the FTC & Local Police ( Reports are included in this package ). My signature on the FTC & Police reports serve as my sworn statement.

The information listed below appears on my credit report, but I did not make or approve of these transactions.

I did not authorize the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following accounts are a result of Identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$250.00} XXXX {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Dates : XXXX DISPUTE RESOLVED REPORTED BY GRANTOR Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to also promptly notify the businesses that sent you that information I have enclosed a copy of my credit report and circled the fraudulent items on the report. I have also enclosed a copy of my Identity Theft Report, a copy of my Police report and proof of my identity. I appreciate your prompt attention to this matter. 

My Phone XXXX ( Please include on fraud alert ) Please send me a letter after you have blocked the information from my credit report and sent notice to the businesses involved.
Product: Debt collection

Per my phone recording the represent state if I dont pay the amount in full that They will report it to the credit bureau the representative that acknowledged that they received a court Order to set aside the verdict and dismiss this debt, but they still want me to pay the {$4000.00} despite the judge ordered on XX/XX/XXXX, I sent a cease-and-desist letter for debt collection to the original creditor, which is XXXX doing Business as XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ) can you reinvestigate the completeness and accuracy of the list of accounts below They violated my right of privacy I have the right of privacy 1 : XXXX XXXX 2 : XXXX XXXX XXXX 3 : XXXX XXXX
Product: Student loan

My loans qualify for PSLF under the Temporary Waiver, with my ECF approved in the spring. XXXX was my servicer and I was transferred to MOHELA in early XXXX. On XX/XX/XXXX, after no change in status, I called and spoke with a MOHELA supervisor who advised that the transfer process and having my loans discharged could take up to 90 days. On XX/XX/XXXX I contacted MOHELA again to ensure that they didn't need anything else from me and they confirmed they had my PSLF form, my ECF form, and that it is a process that could take up to 90 days. It has now been just over 100 days since MOHELA said it could take 90 days, which itself was nearly 30 days after the initial transfer. My loans have not been discharged. Both MOHELA and Studentaid.gov systems concur that I have XXXX qualifying months and am eligible for PSLF. I began a complaint case with XXXX on XX/XX/XXXX and have received no followup or contact as a result ; and there is no provided means through which to escalate to the Ombudsman. MOHELA 's service and processes are slow and inadequate.
Product: Student loan

My student loans are with Mohela and I am enrolled in PSLF. I have been on an income-driven repayment plan since summer XXXX. 

Mohela is stating that I am required to recertify my income for my income-driven repayment plan before XX/XX/XXXX. Per the XXXX administration rules, no one should have to recertify before XX/XX/XXXX. 

Mohela has ignored multiple previous requests from me and they are currently " reviewing '' my income-driven repayment plan recertification date. I expect them to find that they have done nothing wrong and not push my date back by 1 year. This has happened to multiple others in the same situation, hence me reaching out to CFPB today. 

Per FSA/StudentAid, my IDR anniversary date is XX/XX/XXXX, so XXXX renewal would put me at XX/XX/XXXX, which is before XX/XX/XXXX. My date should be no sooner than XX/XX/XXXX and Mohela is not moving it. 

My date on Mohela for IDR renewal was initially listed as XX/XX/XXXX, then changed to XX/XX/XXXX. Mohela is not being transparent with borrowers when they change dates last minute without any notice, nor are they responding in a timely manner leaving borrowers wondering what next month 's payment will be.
Product: Credit card or prepaid card

Went into XXXX XXXX in XXXX XXXX on XX/XX/2018. At check out I was asked by the manager of the store if i was interested in joining their new rewards card for an additial discount on my purchase. I asked if this was a credit card and he said no. the manager explained that it was a rewards card. He also said they do not run your credit and I did not need to provide my social security number. He went on to say he only needed my ID and phone number. I was under the impression my license was to get my name. He then said I was denied and I was confused as to why because this was a " points/rewards card ''. The next day XXXX XXXX  alerted me of a hard inquiry on my credit and then i received a letter from the XXXX XXXX XXXX  that i needed to contact them to process my credit application. This company is giving customers false information and doing hard inquiries on their credit reports without consent or using a Social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus have violated my right under the FCRA Law, Fair credit and billing act in reference to this account XXXX XXXX XXXX Account number XXXX. The 3 bureaus report as this account is in good standing and in collection with same account number. How can I be in good standing and at the same time be in collection. I have requested a full validation of the account and request proof of the right to collect under the fair credit and billing act. Seems like there is a duplication of inaccurate information in my 3 reports. Please remove this account from my 3 credit report in a timely manner. I have attached the proof as described in this complaint.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Inaccurate and Unauthorized Items from Credit Report To Whom It May Concern : I am writing to formally dispute several items on my credit report under the protections afforded to me by the Truth in Lending Act ( 15 USC 1666B ) and other applicable federal consumer protection laws. After thoroughly reviewing my credit file, I have identified the following inaccurate and unauthorized entries that require immediate correction and removal : XXXX XXXX I C SYSTEM {$3100.00} Collection Reason for Dispute : I did not authorize this account. Additionally, I did not receive notification or documentation regarding the transfer or sale of this debt to a third party. 

Violation : The failure to notify me of this transfer and the inclusion of unauthorized charges directly contravenes 15 USC 1666B.

Reason for Dispute : This entry contains inaccurate information and was added without my consent. I have no record of authorizing this transaction.

Violation : As per 15 USC 1666B, charges or items appearing on my credit report without proper authorization are subject to dispute and must be removed promptly. 

XXXX XXXX I C SYSTEM {$3100.00} Collection Reason for Dispute : The information provided in this entry is inaccurate and does not reflect any authorized activity on my part. 

Violation : The reporting of this item without verification or proper documentation violates my rights under the Fair Credit Reporting Act ( FCRA ) and 15 USC 1666B.

Supporting Evidence : By 15 USC 1666B, I am asserting my right to : Dispute unauthorized or fraudulent charges appearing on my credit report. 
Retain payment or acknowledgment of any such charges during the dispute process. 


Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I bought something of XXXX from this person that I thought was legit. We did an offline transaction called XXXX. The person notified me that the item will be shipped tomorrow and if I changed or did not like the item that person would give my money back. The following day that person texted me stating that the item was shipped, I texted back asking if I was able to get the tracking number, the person did text back and stated she was driving and will get back to me. Hours pass and I still havent gotten a respond back .. that person blocked off my phone number .. and was unable to get a hold of that person. I called my bank ( bank of America ) and explain my situation and filed a claim. Today, I called and check the status of my claim and stated it was denied and for me to contact the person I had a transaction with. How am I supposed to contact someone that block me off my phone. I would of thought doing a transaction with XXXX through Bank of America was secured and would get my money back of XXXX. If anyone is using XXXX dont ever do offline transaction cause your bank will never help you and will be denied. This is a lesson learn for me, there are so many scammers out there!
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for responding to my complaint, I am disputing the findings from your Consumer Reporting Agency. Please note, 611 5 ( A ) which explains, Treatment of inaccurate or unverifiable information. ( A ) In general. If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation. 
Please advise who did your Consumer Reporting Agency speak to at the US Bankruptcy Court to verify, update, correct, or modify whether the bankruptcy listed on my credit report is accurate? I ask this question because my credit report explicitly states your company got the information from a third party ( XXXX XXXX ) and therefore it may not be accurate. Did XXXX XXXX or your Consumer Reporting Agency travel or speak to the New Jersey Bankruptcy Court and verify, modify, update, or correct the information in person? If so, please include the documents showing the bankruptcy is in fact accurate, updated, correct, and verified including the entire docket showing this action based upon the law. 
Please explain how your Consumer Reporting Agency intends to modify the information in the bankruptcy filing. Can your Consumer Reporting Agency modify the information in the PACER Database that Lexis Nexus used? Can your Consumer Reporting Agency modify the information in the State, Federal, or Public records related to the bankruptcy? Per the US Bankruptcy Court, they do not modify, verify, or update the information for Consumers or Consumer Reporting Agencies. Please advise and share in writing the workflow and documents in place to open the docket to update, modify, verify dispute, and correct information on my behalf with the US Bankruptcy Court as a Consumer Reporting Agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in the regards of the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed inaccurate information on credit report about a Public Record and a collection for XXXX XXXX XXXX. TransUnion was notified on several occasions about the inaccuracies on credit report. It was supposedly investigated but I never received any results from said investigations. After call and getting no resolve I sent a certified letter asking for validation and verification of investigation along with an updated credit report. It has been over thirty days and I have not received anything.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX 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

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 XXXX I, 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: Checking or savings account

I received a Cashier 's check from XXXXXXXX XXXX  The check was counterfeit 5 days after the deposit, XXXX cleared but the rest did not clear. The bank is holding me a negative XXXX until I pay the balance. I can't access my funds that are being directly deposited monthly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I want the company to remove the unauthorized inquiries in my credit report.