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

Mohela sent the credit bureaus information that my account were past due 90 days. The website does not indicate I have any payment due. 

Whats more, my loans were discharged for total a permanent XXXX in XX/XX/scrub> 2024. Mohela still has not processed that discharge. 

Mohela has failed to zero my student loans and they have marked accounts delinquent after telling me I did not owe any payments. 

This has resulted in my credit score going down over XXXX points.
Product: Credit reporting or other personal consumer reports

Ive just received my credit report and noticed unauthorized items thats shouldnt be listed within my credit profile
Product: Credit reporting or other personal consumer reports

To whom it may concern, I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Can you reinvestigate the accounts listed below. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report Ive reached out by mail and by phone already now Im submitting a complaint
Product: Student loan

My student loans were consolidated in XX/XX/XXXX for the express purpose of getting on an income-based repayment ( IBR ) plan. I paid directly to the US Department of Education until my loan was transferred to XXXX in XXXX. In XXXX, my loan was transferred to XXXX, who I paid until my loan was transferred to XXXX in XX/XX/XXXX. On XX/XX/XXXX I received an acknowledgement from XXXX regarding my Employer Certification Form ( ECF ), and in doing so XXXX reported only XXXX qualifying payments from my qualifying employment begin date of XX/XX/XXXX, XXXX years earlier. 

I called XXXX and spoke to a customer service representative named XXXX and was then transferred to her supervisor named XXXX. The supervisor pulled up what records she had access to, and here is a summary of what we determined before the phone call ended : XXXX : 3 qualifying payments made in XXXX, XXXX, XXXX. The XXXX payment was outside window and so didnt qualify. She would have this payment reviewed. 

XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX had qualifying payments. No qualifying payment for XX/XX/XXXX due to administrative forbearance. No qualifying payment in XX/XX/XXXX. Supervisor reported she would have these payments reviewed as well. 

During our conversation, she was not sure why these payments that appeared to be qualifying were not treated as such. She mentioned something to the effect about my being in forbearance while I paid them. If I was in forbearance, why would I make payments? This response didnt make sense. She said something like, If you submitted payments under umbrella of forbearance, they dont qualify. You can request in writing to have the umbrella of forbearance removed so they do qualify. 

Satisfied that my payments from the beginning of my qualifying employment WERE indeed in their records, and that there seemed to be an easy process to rectify the situation, the phone call ended with the supervisors assurances my payments would be reviewed and I would hear the updated count on qualifying payments in about 60 days. Note that it took nearly 5 months for me to hear my original, inaccurate count from XXXX after being transferred to them. 

After more than 60 days of not hearing anything about an updated count, I called XXXX again. This time I was told that my case had been referred to the Dept. of Education who apparently is responsible for reviewing my qualifying payments and to continue waiting. It is now 8 months later, and I still havent heard anything. In sum, it has been 10 months since a review was promised, and 15 months since the original error in payment count was made. In short, my payments to all providers before being transferred to XXXX are not being counted/acknowledged as contributing towards my PSLF, despite being at the same employer ( professor at state college ) the entire time. I have always been in an income-based repayment plan. I want XXXX to acknowledge my payments to XXXX, XXXX and the US Dept of Education, and to receive an accurate, updated count of my payments toward PSLF.
Product: Credit card or prepaid card

OnXX/XX/2018, there were two fraud transactions made in my credit card ( {$850.00} and {$53.00} at two places in the same city ( XXXX XXXX, IL ). I have filed a compliant / fraud dispute to the bank on XX/XX/2018 and they have declined. After multiple follows ups with poor communication from the bank, they have denied after multiple escalations and even with the reports that I submitted after filing a federal theft report. Bank of America handled the entire issue very poorly and did not do any consumer protection or provide me with a proper response. 

Their response was the chip can not be duplicated ( credit card chip ) and hence the transaction is true, even after providing multiple evidences to indicate I did not make this transaction, they have denied with this lame reason and did not take any steps to effectively check the chips in their credit card. 

FTC Compliant # : XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a letter from Wells Fargo in response to my complaint about their unfair practice of payment allocations of credit card 's promotional balances. 
I have two zero-interest promotional balance offers with Wells Fargo. One promotional balance transfer will expire on XX/XX/XXXX. The second zero interest promotional balance transfer will expire on XX/XX/XXXX. When I make payments, a larger percentage portion of the is applied to second promotional balance transfer balance. Making it possible for Wells Fargo to apply interest to the first promotional balance transfer that expires sooner. My payments are allocation unfairly ; 70 % to 90 % of my payment is applied to the second promotional balance and only 30 % to 10 % is applied the promotional balance that will expire sooner. I wrote a letter to Wells Fargo, a credit card billing Manager acknowledge my complaint and concerns but my payments are still being allocated unfairly.
Product: Payday loan, title loan, personal loan, or advance loan

Please see NEW attached official proof that XXXX XXXX has an on-going fraud/criminal investigation with the FBI XXXX XXXX released officially yesterday of XX/XX/year>. Feel free to contact their office in order to validate it. Thank you.
Product: Credit reporting or other personal consumer reports

I was informed by my tax preparer in XXXX that my personal information was lost during a business relocation. I was advised that she had made the necessary steps to report the incident to the authorities, and was advised to monitor my credit report and accounts going forward. I recently pulled a copy of my credit report and I see accounts and inquiries that I have not authorized nor any knowledge of. The accounts include : XXXX XXXX XXXX XXXX XXXX XXXX I also see credit inquiries made from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have no relationship with these creditors. 

I've contacted the credit bureaus twice via mail and once by mail attempting to get this resolved. I have yet to receive a formal response I have the right to privacy and reporting accounts without my written consent is in violation of 15 USC 1681B Also furnishing accounts that in direct result of identity theft is in violation of 15 USC 1681 c-2 I've requested that any address listed that I've never resided be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently check my credit reports and seen I had over 230 inquiries. There's no way I obtained all these inquiries and some of the dates, addresses, and places of inquiries don't even add up. I've requested to have these removed immediately from the bureaus due to possible fraud and nothing has been done. XX/XX/XXXX was the only credit bureau to actually look into this. I want these off my credit NOW!!! I know my rights when it comes to fraudulent activity.
Product: Debt collection

This company continues to call me repeatedly, has never contacted me through mail or sent me a verification or statement of account, has provided me with conflicting amounts of what I owe compared to what the courts say, and upon calling me will verify it me by providing me with my date of birth and last four of my social and ask me if those are mine. That information is pertinent information, if that were to get into The wrong hands my identity both financial and vital could be compromised I called to speak with a manager and she tried to mislead me saying that no one could affect my credit or identity with that information which is incorrect, a person can access both financial and vital account or take on my identity
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. As you are aware, I have submitted the required XXXX report to the XXXX XXXX XXXX regarding this fraudulent account, and following this submission, XXXX and XXXX have removed these accounts from their records. I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

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

PLEASE REMOVE THESE INQUIREIS OFF MY CREDIT REPORT, I'M A VICTIM OF CREDIT FRAUD. PLEASE REVIEW THE LISTED BELOW : XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX
Product: Debt collection

I received a bill, called the collection agency because I dont recognize the XXXXXXXX XXXX  or Affirm Inc. some personal information they confirm with me its NOT mine, I do not owed this company. The XXXX XXXX XXXX, asked me to make this report, which I had no idea it existed. Please help with this matter, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EQUIFAX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : ( Original Creditor : XXXX XXXX ) XXXX Bankruptcy XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I AM WRITING TO DISPUTED ACCOUNT ON MY CREDIT REPORT THAT WERE MADE WITHOUT MY CONSENT. ACCORDING TO SECTION 604 OF FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ), THERE ARE SPECIFIC PERMISSIBLE PURPOSE UNDER THIS SECTION THAT JUSTIFIES THEIR PRESENCE ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNT AND CAN NOT FIND ANY PERMISSIBLE PURPOSE UNDER THIS SECTION THAT JUSTIFIES THEIR PRESENCE ON MY REPORT. DELETE HARD INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to all 3 credit bureaus on XX/XX/2022, requesting for an inaccurate item to be removed from my report. I received a respond back from them after more than 30 days stating that after their investigation they found the item to be accurate. I would like for them to send me a report of their full investigation on how they found that account to be accurate. Please see below the account information i need to be removed from my report. 

Account Number : XXXX Account Name : XXXX XXXX XXXX It's Reported as a Charge off/ Collection.
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agencies Subject : Request for Deletion of Unverified Account Due to XXXX Deletion Dear Credit Reporting Agencies, I am writing to formally request the immediate removal of a XXXX XXXX charge-off account in the amount of {$340.00} from my credit report. This account, which I disputed, was deleted from my XXXX credit report following the completion of their investigation on XX/XX/year>. XXXX deletion of the account confirms that it is unverifiable and inaccurate. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies must ensure the accuracy and completeness of all information they report. As XXXX has completely deleted this account, you are now obligated to remove the same account from my credit file to maintain compliance with federal consumer protection laws. 

In addition, the FCRA requires that credit reporting agencies remove any information that can not be verified. Under FCRA 609 and 611, if an account is found to be unverifiable or lacks sufficient evidence, it must be deleted immediately. I request that your agency conduct an investigation and remove this account from my credit report within 30 days from the date of receipt of this letter. 

Should you fail to comply with this request, FCRA 616 and 617 provide consumers with the right to take legal action against credit reporting agencies for non-compliance. If the account is not removed within 30 days, I may pursue legal remedies, including suing for damages for failure to uphold your obligations under the law. 

For your reference, I have attached a copy of my XXXX credit report confirming the deletion of this account. Please confirm in writing once this account has been removed from my credit file, or provide documentation proving its accuracy and validity. 

Failure to act promptly will result in my filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially pursuing further legal action to protect my rights. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.
Product: Money transfer, virtual currency, or money service

Contacted the company multiple time via the support and help email address, however there was no response. The consumer support lines doesnt work. 

Here is the brief request Dear Robinhood, I am writing to request your assistance with obtaining my Tax statement for the year XXXX and XXXX. I have been experiencing issues with logging into my account on your online trading platform, which has prevented me from accessing the necessary tax documents. 

I kindly request that you provide me with my Tax statement for the year XXXX XXXX as soon as possible, and assist me in resolving the login issue so that I can fulfill my tax obligations. Any further delay in providing the necessary tax documents could result in penalties and fines from the tax authorities. 

If not response received, I will be contacting Consumer Financial Protection Bureau ( CFPB ) and the Securities and Exchange Commission ( SEC ) for failing the compliance. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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. 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 alleged identity theft, not later than 4 business days after the date of XXXX XXXX  XXXX XXXX XXXX ...., XXXX  XXXX XXXX XXXX ...., XXXX XXXX  XXXX ....
Product: Debt collection

I have a debt collection on my credit report from XXXX XXXX XXXX worth {$500.00} and another XXXX XXXX XXXX XXXX. worth {$290.00} which I was not responsible for. I was involve in a incident where I was a Victim and needed medical attention due to this incident back in 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a security freeze on all 3 credit bureaus as I was a victim of identity theft. No one is supposed to be pulling my credit report or extending lines of credit without calling my first and no such thing has occurred. The only inquires on my report that are valid are the ones coming from XXXX XXXX Bank, XXXX, and XXXX XXXX XXXX Bank. All other inquiries were unauthorized and I have reached out to the credit bureaus to investigate but have received no help on the matter.
Product: Credit reporting

Experian has placed 2 unknown entries on my credit from a collection agency company called XXXX back in XX/XX/2016. I have disputed the validity of the debts because I know nothing about them or whom they belong to.The accounts were removed and the following month ( XX/XX/2016 ) and Experian placed the accounts back on my credit. I was never notified by the original creditor nor have I ever been contacted by XXXX. I have also sent XXXX certified letters and I have been ignored. I am so depressed because the unknown accounts have damaged my credit score and ruined my chances of obtaining financing that I desperately need to help my family and I move forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, and XX/XX/2022 I filed disputes with XXXX, transunion, and XXXX, all 3 credit bureaus due to there being collection accounts that are not mine ( 4 to be exact ) on all 3 of my credit reports. According to the rules and or laws for your guidelines, I got no response in a reasonable amount of time and heard no answer or anything explanation whay is happening. I would like these items removed from all 3 of credit reports, thank you. The items are : 1. XXXX XXXX. Acct # XXXX Account is not mine. 
2. XXXX XXXX XXXXXXXX XXXX Account Number XXXX 3. XXXX XXXX XXXX XXXX XXXX Account # XXXX. Account is not mine. 
4. XXXX XXXX XXXX Account # XXXX. Account is not mine.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I sent Experian credit bureau proof of current address. In XX/XX/XXXX, Experian credit bureau updated two addresses ( XXXX XXXX XXXX and XXXX XXXX XXXX ) on my credit report that does not belong to me. Experien updates false information on my credit report and fails to remove information that does not belong to me.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on XXXX XXXX XXXX Account Dear CFPB, I am filing a formal complaint against the credit bureau Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXXXXXX XXXX XXXXXXXX account. Despite my previous disputes submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the inaccuracies remain unaddressed, violating federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Details : Account Number : **** High Balance : {$3800.00} Last Verified : N/A Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$29.00} Closed Date : N/A Account Rating : Open Account Description : Individual Dispute Status : Account not disputed Creditor Type : Bank Credit Cards Account Status : Open Payment Status : Current Creditor Remarks : Customer disputed account - reported by subscriber Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Credit Limit : {$10000.00} Issue Summary : The late payment reported for XXXX and XX/XX/XXXX on Experian is inaccurate. This account has no history of payments being late, as evidenced by the payment history data. 
Specifically : Experian erroneously lists a XXXX late payment for XXXX and XX/XX/XXXX, despite no supporting evidence of this delinquency. 
Violations : FCRA Violations : 15 U.S.C. 1681i ( a ) : Credit reporting agencies must ensure the accuracy and completeness of information in consumer reports. Experians failure to investigate and correct this error violates this provision.

15 U.S.C. 1681e ( b ) : Credit bureaus are required to maintain accurate information. The discrepancy indicates non-compliance.

TILA Violations : 15 U.S.C. 1666b : Creditors must send periodic statements at least XXXX  days before the payment due date. The reported late payment suggests a failure to comply with this requirement, as I received no prior notice of any overdue payment. 
Protection Against Non-Payment of Obligations Act ( XXXX ) : This act reinforces the responsibility of creditors to provide timely and accurate statements. The reporting of an unfounded late payment contravenes these protections. 
Evidence : Attached to this letter, I have included : Screenshots of the credit report from Experian showing discrepancies. 
Copies of my previous dispute letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Payment history records demonstrating no delinquency for XXXX and XX/XX/XXXX. 
Resolution Requested : Immediate removal of the inaccurate late payment notation from my credit report.

Written confirmation of the correction by Experian.

Assurance that procedures will be implemented to prevent similar errors in the future.

If this issue is not resolved within XXXX  days, I will pursue additional legal remedies, including filing further complaints with relevant regulatory agencies. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX
Product: Prepaid card

I was directed by the perpetrator to make Gift Card purchases on XXXX XXXX to max out my credit limit so intruders would not be able to use my cc for illegal website purchases. To then give the perpetrator gift card info to cancel duplicate charges. 
XXXX {$10000.00} XXXX XXXX BOA XXXX XXXX  {$5000.00} XXXX XXXX BOA XXXX