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

I have disputed the student loan account with Experian for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.. DEPTEDXXXX XXXX**** ; DEPTEDXXXX XXXX**** ; DEPTEDXXXX XXXX**** ; DEPTEDXXXX XXXX**** ; DEPTEDXXXX XXXX**** ; DEPTEDXXXX XXXX**** ; DEPTEDXXXX XXXX**** ;
Product: Credit card

I've had the card over a year. Payments never late, always pay a bit over what's due, no issues. Citi pulls my credit report and after every payment, they lower my limit to the balance due. It was lowered twice just in this past week, even though everything is current and I've had no issues. They lower based on pulling your credit report and not your history with them. Then they have no customer service to address it and you're told you have to wait for a letter that only states it's based on your credit report. They are doing business based on what could possibly happen, not on your customer history. Very unfair business practice. Why even give the card if you aren't allowed to use it to build history?
Product: Checking or savings account

On XX/XX/XXXX I mailed a fraud claim dispute about a checking that was opened in my name since I've been XXXX in the Oklahoma department XXXX XXXX since XX/XX/XXXX and I've been at XXXX XXXX XXXX XXXX since XX/XX/XXXX. Till date I've never received a letter or any update regarding this issue with this account opened under my name.
Product: Student loan

My student loan is currently being serviced by Navient. I currently pay {$200.00} dollars per month. The customer service representative has tried to steer me to making payments in excess of {$500.00} per month. Further, I do not know the formula they use for repayment. They ask me to show proof of what my salary is, but they do not take in account cost of living in the XXXX part of the country which is some of the most expensive in the nation. 
Not to mention, the incessant phone calls to my home, place of business and family members!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting XXXX are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Updated : XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX, XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX Balance Owed : XXXX, XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXX Balance Owed : XXXX  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 XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

never told me about {$18.00} overdue balance have tons of credit, and then they decided to report me without notifying me at all about the balance. I have almost all my accounts on autopay, this one is not LOOK at my record. They are trying to use systemic fraud to collect late fees by not informing their customers its only a few bucks for me which I paid immediately but these guys are definitely fraudsters and should pay the price. I will be paying the price unless this is completely removed from my credit. I am taking them and all the agencies to small claims court, I just had to wait for it all to show up on my credit reports to do that. Maximum damanges and possibly individual cases. Hopefully you can do something to to stop this fraud! Thanks!
Product: Credit reporting or other personal consumer reports

I am writing to seek your assistance regarding a matter of identity theft that has had a significant and detrimental impact on my credit health. A credit card was fraudulently opened in my name with XXXX XXXX, leading to a charge-off amount of {$13000.00}. This incident has resulted in an unwarranted XXXX drop in my credit score, unfairly penalizing me for circumstances beyond my control. Despite my efforts to resolve this issue, including filing a police report, an identity theft report with the Federal Trade Commission ( FTC ), contacting the involved bank, and disputing the fraudulent account with the credit bureaus, my case has not been resolved. The credit bureaus have refused to conduct an investigation or remove the fraudulent account on my credit reports. This refusal to act not only exacerbates the injustice of the situation but also leaves me, the victim of identity theft, to suffer the financial consequences.
Product: Credit reporting or other personal consumer reports

see attached 15US Codes 1681A Definition rules of construction paragraph 2 titled exclusions state " that transactions do not report to the consumer report. '' Late payments are a form of transaction and late payments reporting to the consumer report is a violation of the Fair Credit Reporting Act. Hence, a breach of the late payment directly violates the Fair Credit Reporting Act.

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information on my credit report. The late payments reported for this account is incorrect. This account has always been paid in full and on time.

I have never been late on this account and I request that the inaccurate late payments information be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Despite my ongoing efforts, a resolution to these concerns remains elusive. Your firm 's response to my credit report dispute dismisses my request for verification as " frivolous '' or " irrelevant. '' I want to stress that I take this matter seriously. If my initial request to verify the items is ignored, I am prepared to file a complaint with the Federal Trade Commission. I respectfully request validation of the alleged item, specifically the contract, note, or any document bearing my signature. Without such validation, I insist on the timely removal of these items from the report.
Product: Credit card

I purchased a Chain back crop tee in black from XXXX XXXX Company website on XX/XX/2023. I went to XXXX XXXX store to see if my top was delivered and ready for pickup. The XXXX XXXX associate stated no. This was a free store pickup, I requested. I again visited XXXX XXXX store to pick up my top. The XXXX XXXX associates inquired the order information. I provided the details of the order and still my tee wasnt there. I then messaged XXXX  XXXX Customer Service, about my tee not being delivered at the physical store. XXXX XXXX  Customer Service informed me that the item was delivered. I never received nor got any updates on my email alerts and messages. XXXX XXXX Company lied to me, about my tee being delivered to the store and it wasnt there. This is XXXX XXXXXXXX error on their part and I shouldnt be responsible to pay for a merchandise I didnt receive at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Equifax sent me a letter indicating that a creditor had reported a new address for me. This letter was received on or around XX/XX/XXXX. 

On XX/XX/XXXX at XXXX, I called the phone number on the letter ( XXXX and spoke with XXXX . He confirmed the address on the file was the one mentioned in the letter. ( This was an address that I lived at over 10 years ago. ) I explained that I wanted to know who reported that. He couldn't help with that request. I explained that I was going overseas on XXXX and wanted to try to clear up any possible ID fraud or errors before I left in an effort to mitigate any potential damage to my credit report in my absence. I asked to speak with his manager. I was transferred to XXXX. She couldn't help any further. She told me the only way to correct it was to FAX a copy of my drivers license and lease to XXXX. 

On XX/XX/XXXX at XXXX, I called XXXX ( XXXX XXXX Customer Service ). Requested a call back from automated service. At XXXX, received call from XXXX . I explained the situation and he said he couldn't help, as he was only tasked with helping with billing or website access issues. Told me to call Global Customer Care Department at XXXX. 

On XX/XX/XXXX at XXXX, called XXXX. Requested a call back from automated service. At XXXX, received call from XXXX . I explained the situation and he said he also couldn't do any more than XXXX or XXXX. 

On XX/XX/XXXX at XXXX, called XXXX ( Equifax customer service number found online ). At XXXX, XXXX answered. I explained the situation and she said she couldn't do any more than XXXX or XXXX. 

I won't have access to a fax machine until tomorrow ( XX/XX/XXXX ), but I will be faxing my lease and drivers license to Equifax first thing tomorrow morning.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since XXXXXXXX XXXX Ive requested Proof of validation of all charged off / collection accounts listed on my credit report. 
Ive sent disputes and submitted challenges with the creditors and collection companies for the last 3-4 months to get a full scope of how things are being reporting on my report. 

Although Ive seen some success All the CRAs have responded to my validation request and confirmed all information was accurate and valid. When I asked for HOW my request was investigated I was met with zero response. 

According to Metro 2 compliance and FCRA, 15 U.S. Code 1681s2 - it requires that all data reported to CRA is accurate and complete. This includes information such as account balances, high limits, payment history, account status, last dates of activity and other identifying information. 

CRAs must remove inaccurate, incomplete, or unverifiable information within 30 days of notice. It has been 90+ days since Ive sent my first dispute letters and there is still inaccurate items being reported. Also once I notified them the information theyre reporting was incorrect they still reported it the following month, which is a violation of the FCRA 15 U.S. Code 1681s2 B Ive attached highlighted proof of the inaccuracies across the three CRA bureaus. That should be reporting the SAME accurate information. 

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

In XX/XX/XXXX I began my XXXX studies with the University of XXXX-XXXX XXXX, CA and completed this program in XX/XX/XXXX. 

I began my XXXX  studies in XX/XX/XXXX with University of XXXX and completed my XXXX  studies in XX/XX/XXXX. 

I was also enrolled at the University of XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX, for the for their XXXX  level XXXX XXXX XXXX XXXX, these credits were later applied to a XXXX degree in XXXX XXXX with the University of XXXX-XXXX  in XX/XX/XXXX, I completed this program in XX/XX/XXXX. 

During this time frame I used part of my G.I. Bill for these programs along with student loans. I had a series of health issues that were not resolved while on XXXX XXXX that were later compounded that required me to request a deferment/forbearance of my student loans due to my inability to work. Some were granted to my knowledge whereas others were not, which I continued to resolve. 

Upon careful review and further evaluation by the VA my XXXX rating was increased to XXXX XXXX, which qualified me for the XXXX XXXX XXXX XXXX ( XXXX ) program for my student loans. 

On XX/XX/XXXX DOE directed Sallie Mae/Navient and XXXX/XXXX XXXX XXXX to suspend collection activities on my student loans until they could determine my eligibility for discharge. Effective XX/XX/XXXX, the DOE had approved my discharge of the federal student loans on the basis of my XXXX  XXXX  XXXX  XXXX. 

In closing from the very beginning my student loans were never properly reported, some start dates began before I was even enrolled in school, which I attempted to address with Sallie Mae/Navient. To my knowledge this was never corrected. 

Additionally, I have 24 trade-lines ( student loans ) that are listed as late or in default in excess of 120+/180+ days. In addition to these issues several of these same accounts have exceed their legal reporting periods of seven years, with multiple that are over 10 years. In previous communications via letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, Navient-U.S. Department of Education is in violation of Section 623 ( a ) ( 2 ) of the FCRA.
Product: Credit reporting or other personal consumer reports

I came across the CFPB XXXX Lawsuit. 

I feel I was negatively impacted by Equifax, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were VERIFIED. 
But I dont see any details about your investigation. 
Do you want to be fined too? 
Come with the receipts or be quick to delete.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX placed an order for buying XXXX XXXX for a sum of {$57.00} through PayPal and I never heard back form the fraudulent seller! I contacted PayPal in this regard and unfortunately they told me the transaction was made through " personal '' not " purchase '' transaction and they can not help with that! This is very frustrating for me because I am the payer told them it was for " purchase '' and the fraudulent seller made some trap in the payment to make it recorded as " personal '' and PayPal should block such frauds to happen through their website. The information of the seller is given below : PayPal XXXX ID : XXXX Date : XX/XX/2022 Amount : {$57.00}, Paid with : XXXX  XXXX XXXX ( XXXX ) Seller info : XXXX, XXXX XXXX XXXX See attached file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Civil Judgment on my LexiNexis report. This judgment has been vacated by the court in question 9 months ago. The report still reflects that judgment as active without any notice of it being vacated. I submitted the dispute in XXXX of 2022 and just got a letter stating that all the data is being reported accurately. I checked and nothing was fixed. This mark is ruining my chances at any rental application.
Product: Mortgage

We started the refinance process back in XX/XX/XXXX with Freedom Mortgage and it has been a constant roller coaster ride of contacts changing, numbers disconnected, issues with our address, incomplete information on the Mortgage side so they had to go back to square one. At one point the title company had said our property was paid in full. We kept being told it was with the underwriters but then it would be incomplete. We have dealt with an address issue 3 times because we have a po box ( this concept is not new ). We are still not closed, we just called again on Friday XX/XX/XXXX and was told they needed to speak with the manager and get back to us. But of course we have not received a call back. This refinance was going to cost us {$4000.00} but I was expecting it to be done by XXXX at the latest, were going on to 5 months now. Our locked in rate expired back in XXXX. I just want them to either say no we will not do this refinance so we can move on, or finish it. Again I was financially expecting this to be done by XXXX and it has caused us financial strain
Product: Debt collection

i contacted this company about this issue i also asked them to validate the debt they refused this is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted dispute letters to this company multiple times stating that a BANKRUPTCY on my report was not correct, and they returned back stating the information was verified by the XXXX & XXXX and I have documentation from both of those sources. XXXX indicated that they deleted the information and the COURT stated they don't verify that information. They are reporting false information and it needs to be removed immediately.
Product: Vehicle loan or lease

1. VW CREDIT INC with ACCT # XXXXXXXX opened on XX/XX/2016 with a credit limit of {$13000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX sold my mortgage to Nationstar, aka Mr. Cooper in XXXX of XX/XX/XXXX. I was in the process of a Loan Modification with XXXX when sold to Nationstar, I continued the process of the Loan Modifacation. I provided Nationstar with all necessary documents and was give an address from a representative to an office that had been closed and moved after me calling back 2 weeks after not hearing from Nationstar to be told that. Once again I sent paperwork in only for this time the paperwork apparently went to a different building and was not " delivered '' to the underwriting department. 3rd time sending paperwork in, Nationstar received it. Upon checking on status, via- online, phone, no one could give me a status update. A few weeks later, I received a letter in mail stating that " bowworrer denied loan Modifacation " NOT TRUE. Nationstar was Not willing to work with me on anything and was very unprofessional. I was talked to like a dog as well. Upon reading News Paper In classifieds, I seen that they were foreclosing on my home, without notice, I might add. I immediately contacted my lawyer and he went and stopped foreclosure at courthouse steps. On XX/XX/XXXX My lawyer and i filed a complaint in XXXX Court for violations of the home affordable modification program and breach of contract. XX/XX/XXXX, Nationstar removed the litigation to the United States count for the Eastern District. I have Case number when needed. Section. 12 of my court documents State Each party agrees to pay its own attorneys fees and cost. In Agreed order of dismissal as stated follows- It is hereby ordered Md adjudged that the plaintiffs complaint is hereby DISSMISSED with PREJUDICE, with each party to bear it's own cost and fees, however as of mortgage statement it is showing that I owe lender paid expenses as follows- 1. Property Inspection Fees {$420.00} 2.Legal Fees {$1100.00} Totaling {$1500.00}, In which I am not supposed to be paying, court ordered. Next, during the litigation process, I received letter staying that I could not make payments at this time. I sent payments in by check, just to be returned back to me. 
Upon Nationstar not accepting payments from my lawyer and I, Nationstar was reporting to all XXXX major credit bruearus that I was late. I have been trying to work with Nationstar and other Credit repair services for them to correct there wrong doings. I need Nationstarto remove delinquent status to all three credit bruearus. I have documented everything. This is just a taste of what I have been through. Help would be greatly appreciated. Thank you.
Product: Credit reporting or other personal consumer reports

I recently checked my credit in preparation to refinance my home and noticed some unauthorized inquiries on TransUnion credit report.
Product: Prepaid card

I cant make any purchases with this card and it has a sufficient amount of funds.
Product: Checking or savings account

XXXX promoted {$100.00} bonus for depositing $ XXXX. I deposited $ XXXX on XX/XX/XXXX. XXXX reversed the deposit on XX/XX/XXXX. They told me at the time the reversal was due to potential fraud concerns. They assured me if I redeposited at leas $ XXXX within 10 days I would get credited the {$100.00} so I redeposited $ XXXX on XX/XX/XXXX which they credited to the account on XX/XX/XXXX, 9 days after their reversal. I called hem today to find out why the {$100.00} bonus was still not posted and the their " customer service '' dept. is claiming the code " they see '' is the reversal was due to to NSF. That is completely INCORRECT as I can prove I had sufficient funds when the original $ XXXX deposit was made ( just like I had sufficient funds when the {$14.00} deposit was made 9 days later ), coupled with the fact that I already knew the original reversal was due to their fraud department improperly reversing the original deposit!! This has been nothing but a hassle and XXXX from the thieves. I complied with all terms of the offer, they have my money, and their information is either incorrect or they are simply lying to me to avoid paying me the {$100.00} bonus they owe me. SHAME ON THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

Responding to your BANK OF AMERICA letter that was send to my mailing adress dated XX/XX/2020. " See Attachtment documents '', 2 other banks and XXXX  made a full investigation about my claims against their companies and came to the conclusion that my identity has been compromise and fraud aplications were made under my name. These companies immidiately remove their inquiry from my credit report. 

I reported this Inquiry directly to your company and your fraud department agent told by phone she couldnt located this inquiry no where on your file system. NOW IN YOUR LETTER YOU TELL ME THAT THIS INQUIRY IS ACCURATE, CAN WE SPEAK HERE ABOUT MISLEADING AND FALSE INFORMATION FROM YOUR BANK TO MY PERSON??