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

I am filing this complaint regarding inaccurate late payments reported on my credit report by Mohela for my federal student loans ( Account Number : XXXX XXXX XXXX ). 

I had 13 loans under this account, all of which were in approved forbearance from XX/XX/XXXX, to XX/XX/XXXX. During this period, I was not required to make payments. However, my credit report incorrectly reflects late payments for XXXX and XX/XX/XXXX on these loans, despite the fact that they were in forbearance. 

This inaccurate reporting has significantly damaged my credit score. Under the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be accurate. Because my loans were not in repayment status at the time, these reported late payments are an error and must be removed. 

I previously contacted Mohela multiple times to request a correction, but they have not taken any action to fix this error. This failure to correct inaccurate reporting is unacceptable, and I am now seeking CFPB assistance to ensure Mohela complies with federal credit reporting laws.
Product: Credit card or prepaid card

I filed a dispute for {$32.00} ( original transaction was {$64.00} ) with Barclays on my XXXX  Visa card. The dispute team looked at the wrong refund ( {$55.00} ) and mistakenly assumed that this refund matched the {$32.00} refund. I've called and asked them to reverse the rebill amount and they said the only way to re-open the dispute was to send them a hard-copy letter stating I wished to re-open the dispute. 

My user agreement rights states that IF HARDCOPY LETTERS ARE NOT POSSIBLE FOR YOU, PLEASE CALL THE NUMBER ON THE BACK OF YOUR CARD AND WE WILL HELP YOU. I've called that number but the ONLY way for users to reach the dispute department is through letters. There is no way to email or call them which is insane and incredibly limits how they can be contacted when the dispute department has messed up their job and mistakenly closed a dispute. 

I am now missing {$32.00} that should rightfully have been refunded to me because of their mistake.
Product: Debt collection

I have noticed an account in collections ( for the amount of {$1200.00} ) from the company Allied Collection Services in XXXX XXXX, Nevada that is negatively affecting my credit score. However, I did not receive any notification of the debt until I noticed it in my report. The collection agency is also not licensed to do business in the state I live in ( Connecticut ), and I would like to have it removed from all three credit reporting agencies. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported 2 late payments after I decided to pay the loan off early this show on all XXXX of my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit bureasus stated my account was properly investigated but how is that possible if my my balances are inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not furnish a account without written instruction Also the credit bureaus took more then 30 days to complete my investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I just so happened checked my credit score on XXXX XXXX on XXXX XXXX at XXXX. I noticed that my score was XXXX and it dropped to XXXX, I was so upset meanwhile I contacted Capital One I spoke with two agents they both gave me different stories, long to the short I charged something for the first time. I personally called them to make the payment over the phone remind you I still never got a bill but I new that I used the card that one time and paid it now there saying I am late making payments for two months they are making up false stories I need late payments removed or close the account.
Product: Credit reporting or other personal consumer reports

I am writing to express my discontent with your recent claims concerning my accounts. I hereby dispute these assertions due to a lack of substantial factual evidence supporting your allegations. Therefore, I strongly urge you to initiate a comprehensive investigation into these matters promptly. 

These claims have cast a significant shadow over my financial standing and hold the potential to cause considerable harm to my creditworthiness. It is imperative that we swiftly and accurately resolve this situation to prevent further detrimental consequences. 

I request that you promptly challenge this account and provide me with well-documented evidence to support your position. Failing to do so will compel me to pursue legal action to protect my rights and rectify this matter. 

XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Robinhood has had my account locked for two plus years now with no reason as to why they locked it with my funds in their account?
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am requesting a validation of the debt, including : - The original creditors name and contact information - A detailed account statement showing the history of transactions - Documentation proving that I am liable for this debt and the basis for the charge-off I request that you conduct a thorough investigation into the charge-offs and provide me with a written response detailing your findings. I also ask that you cease reporting the charge-offs on my credit report until the investigation is complete. 

Please process this dispute within the legally required time frame and keep me informed of the results of your investigation. If the charge-offs are found to be inaccurate, I expect it to be removed from my credit report. 

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

I had a vehicle stolen from me in XXXX from a mechanic who was fixing my vehicle. He cashed the insurance checks and never returned my vehicle to me. XXXX XXXX refuses to except that the loan is no longer my obligation. Even after the man was charged with a felony this year after a 5 year battle with this issue. The charge from XXXX XXXX is sitting on my credit report for vehicle that has not been in my possession since XX/XX/2019 and to my knowledge is possibly still sitting somewhere on the man 's property. XXXX XXXX told me over the phone I am still responsible for the loan and I had consumer lawyer dispute the charge and they are still refusing to settle my account with them. I am asking for a resolution as this is severely affecting my livelihood having a fraudulent charge off on my credit report. See attached documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed this account in XXXX due to lose of work and agreed to a string payment of XXXX dollars a month until paid off. I was notified 5 years later by phone that I had a pass due payment. Which I questioned at the time on the XXXX dollars a month until paid off. I was informed that their string payments can only go out five years, that it had gone past five years and now your responsible for the payment. I told her that it would of been nice to receive something in the mail, a phone call or something letting me know. I asked what was the remaining balance, she informed me that it was XXXX and some change. I paid the remaining balance off with the agreement with here that a late payment in XXXX would not be reported on my credit report, due to them not contacting me or sending out a statement. It still shows up as a late payment.
Product: Debt collection

Good day, I can not overstate how frustrating and overwhelming this situation has been. Waking up to an unfamiliar debtone that is unverified and not mineis both shocking and unfair. On top of that, I have been subjected to relentless harassment through various communication channels, with escalating tactics, including threats of legal action. As a law-abiding consumer, I find it deeply insulting to have my rights so blatantly violated. This has taken a serious toll on my mental well-being, causing undue stress and sleepless nights.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of inaccurate addresses listed on my credit report. As a XXXX individual, I have noticed that my credit file contains several old addresses that are no longer relevant. 

My current and accurate address is : XXXX XXXX XXXX. 
XXXX XXXX, SC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several letters to Transunion beginning in the month of XX/XX/2022 and my last attempt to make contact in the Month of XXXXXXXX XXXXregarding the false information on my credit report. It has been way past 45 days on both occasions and i have not heard from or received any response from the company in regards to my situation and credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Equifax continues to place incorrect information on my credit report ex. ( XXXX, XXXX ) they have reported balances in the amount of {$5000.00} to {$7800.00} on my credit report with the balances changing concurrently. 

2. Equifax is in violation of the FCRA laws. 

3. Equifax did not have a credit score for me and now they are reporting a score of XXXX. 
My credit score was a 701 and now they are reporting a XXXX score w/o explanation. 

4. Equifax has closed all of my positive accounts without my permission or they permission of the creditors. 

5. Equifax has placed my credit file in a special unit without my permission nor are they telling me why it has been placed in such a unit. 

6. Equifax has someone in their special unit who is obviously either by mistake or on purpose putting erroneous and fluctuating information onto my credit report and I want a full investigation into the matter. 
It is my intention to file legal action against Equifax in the next 30 days if this is not corrected and just like XXXX XXXX who won {$18.00} XXXX dollar lawsuit against Equifax I also will win. 
I will be forwarding this information to the Federal Financial Judiciary Committee and the other government regulatory agencies as a complaint.
Product: Credit reporting or other personal consumer reports

i have a hard inquiry on my credit report that clearly isn't me they have me confused with some else with similar name and social security i want this taken out of my credit report this was done XX/XX/2023
Product: Student loan

My problem is with Nelnet. My student loan debt has exchange lenders several times I applied for a home loan in XXXX  but was DENIED because my student loans are now in DEFAULT for non-payment. As a veteran, this information is now showing up in XXXX, which denied me for approval. 

Nelnet canceled my income-based repayment plan and found out that MY loans were NO LONGER eligible for CARES deferment under the CARES ACT. Though the Biden-XXXX Administration extended the moratorium until XX/XX/2022. 

Nelnet has been calling me DAILY, asking me to call for debt solution options, but my only option given is to repay.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX - {$14000.00}
Product: Checking or savings account

This is a new complaint I am still waiting to hear from TD Bank regarding overdraft charges from XX/XX/2019 XX/XX/2019, XX/XX/2019 Overdraft fees XX/XX/2019 FEE OVERDRAFT PD View fee details - {$140.00} - {$210.00} XX/XX/2019 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * NY - {$12.00} - {$74.00} XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY - {$5.00} - {$61.00} XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX NO XXXX XXXX XXXX XXXX NY - {$20.00} - {$56.00} XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY - {$29.00} - {$35.00} XX/XX/2019 FEE OVERDRAFT PD View fee details - {$100.00} - {$6.00} XX/XX/2019 XXXX  XXXX WITHDRAW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * NY - {$40.00} {$98.00} XX/XX/2019 CREDIT Online Xfer Transfer from XXXX XXXX {$50.00} {$130.00} XX/XX/2019 CREDIT Online Xfer Transfer from XXXX  XXXX {$50.00} {$88.00} XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * NY XXXX {$5.00} {$38.00} XX/XX/2019 CREDIT Online Xfer Transfer from XXXX XXXX {$100.00} {$43.00} XX/XX/2019 XXXX XXXX  XXXX ONLINE PMT - {$25.00} - {$56.00} XX/XX/2019 XXXX XXXX XXXX ONLINE PMT - {$25.00} - {$31.00} XX/XX/2019 DEBIT CARD
Product: Credit reporting or other personal consumer reports

Since XXXX, and most recently XX/XX/XXXX I have contacted equifax regarding approx forty inquies on my file. These are both hard inquiries and soft inquiries. I asked for proof and never received. It is the obligation of equifax to provide the requested information which they have refused to. Under the fair credit reporting act, any refusal to supply proof is a violation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XX/XX/2022 balance {$5800.00} I do not recognize this account that is on my credit report. I have never opened an account with this company, nor have I ever heard of them.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear JPMCB CARD, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri state identity theft and credit reporting laws, specifically Section 570.223 of the Missouri Revised Statutes.

It has unequivocally come to my attention that JPMCB CARD has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consumers consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouris identity theft statutes, particularly Section 570.223, criminalize the unauthorized use of personal identifying information, including the illegal access, use, or dissemination of personal data for fraudulent purposes. This includes unauthorized credit reporting that impacts a consumers financial standing.

I assert with unwavering certainty that I have not provided consent for JPMCB CARD to report any information to my credit report. This undeniable lack of explicit permission constitutes a clear violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and Missouri state laws.

I demand, with the utmost certainty, that JPMCB CARD immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state law under Section 570.223. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Missouris identity theft statutes.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that JPMCB CARD will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith.
Product: Credit reporting or other personal consumer reports

I asked the company that had my information into the collection agency to provide me with signed documents that has my social security number, date of birth and original signature on documents that shows my signature and correct SSN and DOB all documents and none of what I asked for has yet to be provided, they send me everything but what I've asked for. No documents have been confirmed with my signature, correct DOB and SSN
Product: Credit reporting or other personal consumer reports

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


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

I demand the late payment reported in 60 days to be removed.

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


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX & XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


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


Delete the late payments from my consumer reports
Product: Debt collection

Received medical bill with overage charges. Disputed with hospital. Hospital sent to collections. Collections reportedly tried to collect for medical bill that was XXXX. Disputed multiple times because charges where not correct. XX/XX/2022, the collection was removed from credit. XX/XX/XXXX, collection amount was added for the XXXX charge and an additional XXXX charge so that totally is now over XXXX dollars. XXXX XXXX is Avante USA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive paid my loan for XXXX and XXXX on XX/XX/23 and my balance is not {$1900.00} my balance now is {$1300.00} plus my interest so its {$1300.00} so that balance on my credit report is incorrect also XXXX points was tooken from my credit because of this not being updated! Which was took from me after I made both payments!! I will like for this Lender to update my information! Immediately like he said he would when I went up there to pay my loan and take any remarks off my account because it is being paid!!!
Product: Debt collection

ERC, XXXX XXXX XXXX, XXXX, XXXX is trying to collect a debt never owed, claiming it was to XXXX. My XXXX account is paid in full and has been. The account numbers do not match, but they threaten to assume it is a valid debt if I do not contact them in 30 days. They are scamming me and I want it stopped, I also do not want my credit impaired by them, and I would like full charges pressed against this company.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formation complaint that you are reporting inadequate and incomplete credit union on my Equifax Credit Report.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your re [ porting services could XXXX, mail or email is a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Credit Report Errors To Whom It May Concern, I am writing to dispute inaccurate information on my credit report as provided under my rights in the Fair Credit Reporting Act ( FCRA ). I recently reviewed my credit report, and I found the following errors that require immediate investigation and correction XXXX XXXX ( Account # XXXX is a sample dispute letter you can use, referencing the Fair Credit Reporting Act ( FCRA ) Dispute : You are reporting multiple 30-day late payments on this account. I dispute the accuracy of this information and request verification that these late payments were more than 30 days past due. 

XXXX. XXXX XXXX ( Account # XXXX ) : Dispute : Please verify the accuracy of this account. 

XXXX. XXXX XXXX  ( Account # XXXX ) : Dispute : Please verify the accuracy of this account. 

XXXX. XXXX XXXX XXXX ( Account # XXXX ) : Dispute : Please verify the accuracy of this account. 

XXXX XXXX XXXX ( Account # XXXX ) : Dispute : Please verify the accuracy of this account. 



The failure to verify or provide proof of these accounts has harmed my ability to secure credit. Under the FCRA, all unverifiable or inaccurate accounts must be removed from my credit report. 



Please conduct an investigation into these disputes and provide me with written confirmation of your findings. I also request that you send me a corrected copy of my credit report upon completion of the investigation. 



Thank you for your prompt attention to this matter. If you need any additional information, please contact me at [ Your Phone Number ] or [ Your Email Address ]. 



Sincerely, XXXX XXXX