23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have been having problems with the USBank.com online banking site for several months now. The problems include unable to schedule automatic payments, unable to make one time payments, unable to manage reward options. I am able to log into online banking and view the balance on my accounts on the dashboard. Sometimes I can make a payment but most times I can not. I get an error message saying the website is unavailable due to too many redirects. When attempting to select reward categories I have not been able to access the site in over 3 months. The inability to make payments online has resulted in 2 late fees.

I have contacted USBank twice before today but have not been able to resolve the issue. This is despite the fact that the representative I spoke with also could not use the site while I was on the phone with her. To date there has been no resolution. I finally canceled my credit card accounts with USBank.
Product: Student loan

Throughout the loan, they have recapitalized the interest every time they have placed the loan in forbearance or deferment which has caused the loans to balloon to 289 % of the original value. I am still in school and the policies in place caused the size of my student loans to balloon to an unpayable level which seems predatory in that the loan provider knows that the student will end up paying multiple times what they borrowed. This started with the original loan provider XXXX XXXX and has continued with my current loan provider. The loans are being forced into repayment by XX/XX/XXXXXXXX XXXX and I will not be graduating in my current program until the end of XXXX Without any type of income-based repayment options, I will be unable to make payments being a current XXXX student. These are only two of the loans I have that were taken out in XXXX and XXXX the first year of my XXXX program. With the compounded interest and required upcoming payments, these policies and practices are predatory and disrupt the ability of XXXX XXXX, like myself, to obtain the necessary education without additional financial strain. My cosigner and I are looking into refinancing options due to a lack of options and choices, however, it is still putting a great deal of undue financial and emotional hardship on us.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I submitted information to XXXX  and TransUnion about fraudulent inquiries and a fraudulent account on my credit report. I submitted all my information along with supporting documents proving the activity was fraud, thus is very frustrating to me because it caused me to be denied on a home twice that Im trying to purchase. I dont understand why its so hard to remove the inquiries and the fraudulent account from my report.
Product: Credit reporting or other personal consumer reports

About XX/XX/2024 I got alerts from identity guard about 30 day past due notice on mortgage that I am the co borrower in which I was never contacted on by the loan servicing company Loan care nor was I notified of data breach. Since I have been made aware all payments have been posted. Loan care did not follow the proper guidelines as established in there delinquency policy, had proper guidelines of notification been done this situation would have not accelerated in regards to payment. Data breach better security systems should be in place and consumer information would not be compromised.
Product: Mortgage

I am in the forbearance Loss mitigation program with Loancare. I was affected by Covid 19, I loss my job and have found another job with XXXX income reduction. I have been sending in required documents. I have letters staying I am in the Loss mitigation and that no negative information would be reported. XXXX Loancare report my whole forbearance amount XXXX in late payments. I am supposed to be getting a loan modification to avoid this very thing. Now my credit drop 5-points which is hindering me more, This is unfair when I am doing all the mortgage company is telling me to do. Please help me get this corrected. I have not been denied loan modification, I am right in the middle of the process, how can they be allow to report negative against my credit. 

Thank you
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent a notice to XXXX, Equifax, and XXXX about opting me out of the reporting of the following nonpublic information. The accounts goes as follows ; [ XXXX Account XXXX : XXXX ] [ XXXX XXXX Account Number : XXXX ]. I am submitting this complaint because I have not received a response nor has the accounts been removed from my reports.
Product: Credit reporting

I sent a letter to Experian letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Experian did n't remove the accounts they sent me a letter back saying that the items had been verified. I contacted the courthouse where the public record was filed and they told me that the Circuit Court does not verify any information to the credit bureaus
Product: Student loan

XXXX UNIVERSITY my loan rate is XXXX percent variable..I think that is excessive to the point of criminal and they gave me variable instead of fixed so you know in the years to come with rates having to move up I will get killed ... ....
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to complaint XXXX. You are reporting the late payment for the wrong month, and this should be removed immediately. Your incorrect reporting has caused extreme hardship. You stated that there was a carrying balance from XXXX, and that everything was paid in XXXX so why is there a late payment reporting in XXXX instead of XXXX? It is recommended that data furnishers follow the XXXX guidance when they furnish consumer credit information to the three credit bureaus, and it is very clear that Bank of America has failed to do so. I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under then FCRA. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. If you fail to remove this inaccurate information, I will take legal action to protect my credit rating and myself. I will fully exercise my right under the Fair Credit Reporting Act. I look forward to an uneventful resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/PPC -I do not have an account with this company, my credit report says charge off of $600.+ after account opened inXX/XX/2019. This is fraudulent.
Product: Money transfer, virtual currency, or money service

Last week I received a cashier 's check ( issued from XXXX XXXX ' XXXX XXXX out of North Carolina ) in the amount of {$1800.00} as payment for some furniture I was selling. However, the furniture sale price was only {$140.00}. I did not know the person as I sold the couch via the XXXX mobile app. They informed me that they were out of town and buying the couch for a relative. I deposited the cashier 's check via Chase 's mobile app, but it was pending for a few days. I eventually called Chase and they contacted the credit union who issued the check. They confirmed the funds and released them to me and it posted to my account. I was then instructed to take the remaining {$1700.00} and deposit it into their XXXX XXXX XXXX account for the movers. I had the teller verify the account name and number beforehand. On Monday, XX/XX/17, the {$1800.00} had been returned as the check ended up being fraudulent. Therefore, I had {$1700.00} stolen from me. The name of the remitter on the check was XXXX XXXX XXXX. However, they went under two different names ( on the XXXX XXXX XXXX account and XXXX app ). I have already reached out to Chase, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX and have received no resolution. I also filed a police report with the XXXX County Sheriff 's office here in Florida. The case number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an apartment that usese a third party credit reporting agency called onsite/ XXXX XXXX. They pulled this report on or around XX/XX/XXXX. It listed several false accounts in collections. I quickly reached out to the associated collection agencies both XXXX and XXXX University and obtained letters from both stating that the items should be removed from my report. Yet XXXX refuses to remove the erroneous information. This is preventing me from getting my apartment and is greatly impacting my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a DUPLICATE complaint and this not being filed by a Credit Repair company. 

In Accordance with the Fair Credit Reporting Act XXXX  these accounts below have violated my rights according to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

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 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

15 USC 1681i. ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; 1. Account Name : US DEPT ED Account # XXXX 2. Account Name : US DEPT ED Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

There is a company by the name of LVNV FUNDING, that has stated they returned the debt back to the original owner of the alleged debt, however ; the information they are reporting to the credit agencies is reflecting different information. I have tried contacting them and have used a letter that is available via the CFPB website to contact a creditor and ask them to provide validate the alleged debt. Well, they have indicated to the CFPB that they are no longer seeking this debt, yet their actions are indicating other wise and are continuing to damage my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting Credit card approvals. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX
Product: Student loan

After my XXXX in XX/XX/XXXX, I decided to go into a XXXX position that I am still working in. I was aware of the Public Loan Forgiveness program and inquired about the requirements. My loans are direct and eligible. I consolidated my loans in XX/XX/XXXX. I asked about whether this would change my eligibility and was assured that if I still made payments, I would be on track for the student loan forgiveness program. In XX/XX/XXXX, I decided to submit my application to see where I stood. I received a response back in XX/XX/XXXX stating that none of payments qualified. I contacted the FedLoan Services at XXXX XX/XX/XXXX to ask about this. They said it was because I consolidated my loan. They listed the eligible payment plans and said that I could pay a 10 year level payment plan and then be eligible. I stated that if I did that my entire loan would be paid off, so there would be nothing to be forgiven. She said " probably. '' I knowingly took a XXXX position, making less than I could in the commercial sector so that I could work towards student loan payoff. Now, after over 8 years, I am being told that my payments are not eligible. Why have a " forgiveness '' plan if you are required to pay it in full. There is nothing to forgive. I do not recall back in XX/XX/XXXX when I did this seeing anything that said a consolidated loan would not qualify. This program is a sham. 
XXXX School : XXXX University, XXXX, MO
Product: Payday loan

ROSEBUD LENDING BHL, D.B.A.FIRST PAY LOANS XXXX XXXX XXXX S.D.XXXX is the company who continually Breaches Contract by taking extra money outside of contract. I have the proof by contact and bank statement to justify the difference. 3 months straight there has been a difference of XXXX from the agreed contract and when I call they tell me it is a computer error. They tell me within XXXX10 days the company would reimburse me the difference. That day never comes. My bank XXXX XXXX XXXX is aware of this problem as was informed to file this complaint with your Department. This is a blatant " Breach of Contract '' by deliberate " Fraud '' and are worried that they wo n't stop until I have been robbed a lot more.
Product: Checking or savings account

I applied for a loan against my 401 K plan with Wells Fargo XXXX XXXX on XX/XX/2020. It took several phone calls to request the loan forms for documentation needed to be faxed to me. Once the forms were faxed to me on XX/XX/2020, the forms were faxed back immediately on the same day after being filled out by myself and my loan officer. Wells Fargo then notified me today that the documentation is not acceptable even though we sent the loan application stating the costs that they requested. Multiple phone calls made, during work hours, trying to rectify issues were a waste of time due to getting the run around from the Wells Fargo representatives. Was unable to talk with a supervisor due to no supervisor on the floor and notes made in their system with no resolution or answer for problem made.
Product: Credit card or prepaid card

On XX/XX/21 I noticed two fraudulent purchases made on my credit card that were 'pending '. The charges, {$800.00} and XXXX, were made at a tire shop in Texas. I live and work in Washington, have not been to Texas in years, nor were there any other purchases made in Texas prior, just the two big ticket purchases. I disputed the charges, flagging them as fraudulent as soon as I noticed them. Citi sent a new card within a day, realizing my credit card had been compromised. Since then the charges have posted to my account, I have not received any response from Citi.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted XX/XX/ to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. Although they continue to report many accounts that have been long closed for seven years or more my state law states they can no longer take action on this debt.
Product: Debt collection

Capital One has charged off account XXXX This account was charged off but I never recieved a 1099C from Capital One. This is my formal request for that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello i am trying to remove a fraud alert from my credit report through Experian. They placed the alert on my credit report without my knowledge or consent. I have also asked them to remove it over the phone which they assured me would be removed in XXXX hours. I also submitted a written request as that was the initial prompt over the phone. Can you please assist me with removing this alert from my credit report please and thank you.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX Account XXXX Date of Charge Off : XX/XX/year> Amount : {$320.00} I have previously disputed the accuracy of this charge off account with TRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. TRANSUNION refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against TRANSUNION for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that TRANSUNION upholds its obligations under the law. 

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

Account Name : Department of Education/XXXX Account Number : XXXX Balance : {$2100.00} Inaccuracy : This account was inaccurately reported as late payments between XX/XX/XXXX - XX/XX/XXXX, which is incorrect. My records show that the account was placed in forbearance status during that period, and no payments were due. The reported delinquency is completely erroneous and in violation of the FCRAs accuracy requirements. 

Account Name : Department of EducationXXXX Account Number : XXXX Balance : {$1300.00} Inaccuracy : This account was inaccurately reported as late payments between XX/XX/XXXX - XX/XX/XXXX, which is incorrect. My records show that the account was placed in forbearance status during that period, and no payments were due. The reported delinquency is completely erroneous and in violation of the FCRAs accuracy requirements. 


The reported late payments on these accounts are inaccurate and unverifiable. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the FCRA, the credit reporting agency is required to conduct a reasonable reinvestigation of disputed information. If the furnisher ( loan servicer ) is unable to provide 100 % verifiable proof that the reported late payments are accurate, then under 15 U.S.C. 1681e ( b ), the inaccurate information must be removed immediately as it violates the FCRAs requirement that all reported information be complete and accurate.

Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information that they know or have reasonable cause to believe is inaccurate. Since I have already contacted the loan servicer and they have refused to correct this error, the burden now lies with the credit bureaus to ensure that this inaccurate reporting does not continue.

If a credit bureau can not verify the disputed late payments with documented proof, the law requires that the inaccurate information be deleted immediately. The failure to do so is a willful violation of the FCRA and could subject the bureau to legal consequences under 15 U.S.C. 1681n and 1681o.
Product: Credit card or prepaid card

On XX/XX/2018 I filed a dispute for a charge from The XXXX XXXX for {$150.00}. On XX/XX/2018, more than three months later past the allowed timeframe to reply to settle a dispute chase sent me a letter stating they were removing the temporary credit of {$150.00} since The XXXX XXXX issued a credit from a completely unrelated transaction for {$100.00}. Previously, I had also called into Chase to inform them the credit from the XXXX XXXX was unrelated to the charge in dispute. This should have been obvious seeing as the credit was for a totally different amount on a date very far apart from the dispute being filed. Thus they not only exceeded the allowed timeframe allowed to settle a dispute, but they also used the credit from an unrelated transaction to deny the dispute outlined in my letter on XX/XX/XXXX.