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

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) IN general 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 promptly delete that item of information from the file of the consumer, or modify that item of and ( ii ) promptly notify the furnisher of the information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company randomly modified my credit account as open and currently late on payments from an account I am no longer associated with after 6 yrs. After trying to resolve this issue also with transunion they updated my credit report with more outdated information. This account is closed as should reflected as such on my report I have been a victim of TransUnion and Credit Acceptance this issue needs to be fixed. They think they can put whatever they want on your report true or not. I will no longer be a victim and I am filing a complaint with every agency available until I get satisfactory results. Period. XXXX XXXX XX/XX/20
Product: Debt collection

After receiving the collection letter I contacted they company for back up documentation, since I had not been to business in question in years. The documentation they provided was list of charges, no back up documentation, no invoices, just a quick report showing I owed money. The money they are trying to collect on is first off over four years old and over the statute of limitations, but also not mine. They couldn't provide any paperwork for these " charges ''. These charges are not only not mine, but they are past the statute of limitations and they are trying to collect on them fraudulently. 

I have contacted they business and the collection agency who are both still trying to collect on this fraudulent debt. 

It's unacceptable that these companies are collecting with zero oversight or repercussions for their actions.
Product: Debt collection

After reviewing my credit profile on XX/XX/2019, I identified a discrepancy with account listed under Ability Recovery Services. I requested a validation on XX/XX/2019 as this medical account has been paid for by XXXX. Credit report was reviewed again on XX/XX/2019 and the account is still reflecting on my report and I believe that they are trying to collect on an account that has been fully paid for and I believe that the creditor does not have authorization to legally access my medical records and to attempt to collect on this account. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account was not paid for in full by XXXX and that all information is correct.
Product: Credit card or prepaid card

I have been a customer of Discover for over 20 years with two credit cards, including an outstanding credit history. Recently I discovered that one of my accounts was closed ( according to them due to inactivity ). My issue with this is I do not feel I as properly notified, I only found out when I received a termination of service letter from company that provided additional credit protection on this particular card. When I called Discover about this I was only told that one letter was mailed out to me in XX/XX/XXXX ( which I did not receive ) supposedly stating that if I made a purchase before mid XX/XX/XXXX the account would remain opened and the only thing I could do was to reapply for a new card as once an account is closed it can not be reopened. I have a serious issue with this as I stated I had two credit cards with Discover and not once was an alert/message visually placed on the Discovers online home page of my account-it stills shows this closed card having an available balance on the main page. Not only did they close my card causing my credit score to drop but I had to apply for another card which would also cause my credit score to drop. On XX/XX/XXXX I spoke to four different individuals and was transferred to departments that was not even working that day, only to be told a repeated scripted response that once an account is closed it can not be reopened. I think that with my years of loyal service as I was often told even as recent as XX/XX/XXXX, that my account remaining open would not solely depend on one letter ( that I did not receive ) being mailed to my home. My phone number, email address, are all on file as additional means of ways to communicate with me. This act in my opinion has caused me consumer harm and was/is very unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

As I am currently looking for a new home for my family and I, I wanted to make sure that the Credit Reporting Agencies have all accurate information. Upon discovery, I see inconsistencies in the information amongst the top XXXX credit reporting agencies ( Transunion, XXXX, and XXXX ). As these companies know 15 USC 1681c ( 1 ) ( a ) ( 4 ) states that no accounts placed for collections shall be included in the consumer report. Transunion, XXXX and XXXX has not received any written expressed consent from me, the consumer, in fact, XXXX XXXX, granting permissions for inaccurate information to be on my consumer report. I have been in dispute with the XXXX credit reporting agencies for over a month with accounts coming back verified and I never verified any information which is also a stipulation under the FCRA. I have requested this information from the furnishers as well as the agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$160.00}.
Product: Credit card or prepaid card

I am in receipt of a letter from XXXX XXXX related to my previous CPFB complaint. 

I am not satisfied for two reasons : 1. As of XXXX XXXX, 2017 XXXX PST, The account has not been brought to XXXX  as described in the letter sent to me on XXXX XXXX, 2017 via the CPFB. I called into and spoke to XXXX # XXXX in the Account Protection area to compel XXXX to reverse the charge. 

2. The response did not indicate how an account closed for fraud protection was allowed to incur a charge after the account was closed by the bank. The explanation that " XXXX allowed, not us '' is insufficient.
Product: Money transfer, virtual currency, or money service

On XXXX/XXXX/XXXX I received a deposit into my Skrill account. I was unable to withdraw the funds because they stated that my account needs to be verified. I followed the instructions by hitting verify and I was told that Skrill would deposit micro amounts in my account for verification. 

This happened a day after, however, there was nowhere on the site to enter these amounts. I contact Skrill by phone and was told that they are aware there is nowhere on the site to enter these amounts, so I would need to send a copy of my bank statement. I forwarded a copy of my email while still on the phone with the rep. who confirmed that it was received, and it would be looked at on XXXX XXXX/XXXX/XXXX. I called back on XXXX and was told they are still in the process of verifying my account. I had multiple conversations with different reps until one finally said that they would do a manual transfer for me while I await verification. This manual transfer happened on XXXX/XXXX/XXXX. Another transfer came in on XXXX/XXXX/XXXX. An amount earmarked for my mortgage, at this time my account has still not been verified and I am still unable to withdraw my funds. 

The phone calls to Skrill begin again with each rep telling me something different. I just got off the phone with a rep today XXXX/XXXX/XXXX who told me that a manual transfer will not be done for me this time, like a previous rep told me because I received one before. As usual they will contact me when they have a status update on my account. They keep telling me this, but no XXXX contacts me from XXXX. So here I am stuck, no verification, no money, no contact from Skrill. On their XXXX page they state that this process takes 24-48 hours. But here I am 8 days later still nothing.
Product: Checking or savings account

Hi, I am a service XXXX veteran, victim of identity theft and fraud. 
I was overseas in XXXX of XXXX XXXX during the COVID-19. Upon my return to the US I became aware that I was a victim of fraud. 
I was informed by the local Navy Federal credit union bank fraud specialist in the XXXX Florida branch that the fraud extended beyond XXXX, in XXXX of XXXX I went through hours of detailed information and my claims where submitted, I was unaware of the fraud since I paid my bills in autopay and didn't pay any attention. I was provided provisional credit dating XXXX of XXXX until early XXXX, this was all in error and did not go back to my original dated claims of XXXX XXXX-through early XXXX. 
I'm not sure how the fraud department got the dates wrong. I was provided 2 provisional credits one for {$6600.00} and {$7000.00} on XX/XX/XXXX and it was later removed on XX/XX/XXXX I now suspect that the calculations were wrong and the amounts did not go as far back to XXXX of XXXX. This was not my first time being a victim of identity theft and fraud at Navy Federal Credit Union and outside. XXXX XXXX over 10 years informed me that my personal information was on the dark web. It's surprising that my claim was mishandled by the Navy Federal Credit Union fraud department. I had XXXX XXXX on XX/XX/XXXX and prior to this I had XXXX XXXX XXXX, I suffer from XXXX and XXXX.
Product: Credit card or prepaid card

Sent me advertising when I am on the option out of credit card prescreening on this website XXXX XXXX XXXX XXXX setup by federal government laws and enforcement done by cfpd according to the federal tade commission. Please fine these people. It 's against set laws to mail me advertising after I am on this lifetime list. Which is pulled from the five credit bureaus. Such as XXXX, XXXX, XXXX XXXX, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly correct or remove the following right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was admitted into the hospital for the months of XXXX and XXXX of 2024. I did in fact make the payment ; however come to find out due to their website having a glitch or error the payment didn't go through. I called customer service and disputed it with them directly. Kohls customer service had to reset the portal and assist in resubmitting the payment. I was told it would not affect my credit score nor would it be reported to the bureaus due to it being an error on their end. The representative I spoke to reversed the late fee and stated I was in good standing and to get well soon. I am confused on why it is on my credit report especially if I did make the payment in XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX, Transunion, and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of accounts opened at XXXX XXXX XX/XX/XXXX, an auto loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX, a personal loan account opened at XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, and credit card accounts opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, along with three unauthorized hard inquiries from XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent negative accounts appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

I am reporting difficulties I am experiencing with my student loan servicer, MOHELA, that spans the last month and a half. This has resulted in my student loans doubling without explanation until today. Unfortunately this issue impacts other borrowers besides myself since MOHELA implemented a system upgrade in XXXX. With this system change, my payment plan was changed from the Graduated Extended Repayment Plan to the Graduated Repayment Plan without my authorization and without me requesting it. I learned during my XXXX minute call today from an employee that " we have others who this has happened to as well. '' The difference of XXXX word on the type of repayment plan might not seem like much, but this means my payments have gone from $ XXXX to $ XXXX. I have been told that while I'm waiting for my " new request '' to be reviewed to determine if I can go back to the plan I never requested to be taken off of, I still have to make the new payments and nothing is likely to be retroactive once solved, meaning I will not be reimbursed for my overpayments. Each time I call MOHELA I am told to check their website again in XXXX business days and it's never fixed. 

While on hold with MOHELA today I went ahead and filed a complaint on the XXXX XXXX XXXX 's website and I understand that there is an Ombudsman that I can appeal to as well. 

The reason I am bothering you and your staff is just out of sheer frustration and because I now know that this has impacted other borrowers. I am fighting with MOHELA on my own and they seem to answer to no one. I have been working on this issue since around mid XXXX and have not gotten anywhere. Tickets have been opened, no adequate explanations provided as to why I am being penalized for MOHELAs error, and I no one said they were looking into how many others could have been impacted when I specifically asked if they were going to pull data to rectify this for the others they affected. 

Reference/ticket # for current request to have my loan switched back to my original payment plan is : XXXX.
Product: Bank account or service

I called Capital One credit card to change my billing date. This is not the first time, I have attempted to have my Capital One credit cards due on the same date. The last time I was informed because I just made a payment ; I had to wait till next billing cycle. Today I called again, and the young lady was a little witch on the phone, she was argumentative and obnoxious on the telephone. She kept placing me on hold and saying " thank you for your patience, please continue to hold ''. She informed me because I moved { in XX/XX/XXXX ( It 's XX/XX/XXXX ) } I can not change my billing date, REASON - because I changed my mailing address. She said because I changed my zip code my payments would show late and my late payments would be reported to the credit bureaus. I am not late, never have been late, and a payment is not due. She was threatening, my pristine credit is important - I have never been late on these cards, that is not professional - who am I doing business with? After 23 minutes on hold I hung up. I am paying these XXXX credit cards off and WILL MOST LIKELY END MY RELATIONSHIP WITH Capital ONE and never be a customer again. Very annoyed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware that avant- was showing up on my credit report. However Ive never done business with them. I contacted them only to learn that a account was established using my name social security and other personal information. I contacted them informed them this account was a fraudulent account. I latter learned that the loan amount was {$3100.00} and that XXXX was payed back to them. Ive advised them that it didnt matter cause it wasnt mind and requested proof of verification and identity. To see how the account was established was told it was established online but they cant provide me with the documents I requested. And wouldnt be removing this information
Product: Credit reporting or other personal consumer reports

I recently obtained my credit report on XX/XX/2023, and discovered unauthorized inquiries from the following entities XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not initiate these inquiries and have no association with the mentioned banks. I promptly disputed these unauthorized inquiries with the credit reporting agencies and am in the process of placing a fraud alert on my credit reports. Your assistance in investigating this matter is crucial to address any potential identity theft or fraudulent activities.
Product: Debt collection

was seen in the er XX/XX/XXXX provided my insurance that night, XX/XX/XXXX receive letter i'm in collections, call and they inform me that no insurance was ran. I give the collections my insurance info. Collections came off report. XX/XX/XXXX again same debt on my credit report, Call and they say never received my insurance-Gave it a 3rd time. removed from credit report. XX/XX/XXXX again on my credit-now they state insurance denied and out of timely filing. Asked for timeline of when I called in and they state I never called and gave them my insurance in XXXX and have no record of me calling in. Only a wrong number call is listed. I get my insurance XXXX  and it states that I owe XXXX dollars and I am not liable since the er failed to file in a timely manner. Collections refusing to remove mark. I have never received a bill., they had the wrong address and phone number when I called the hospital to find out what was going on and have asked to get something in the mail and haven't since XX/XX/XXXX when I got one collections letter.
Product: Mortgage

Carrington Mortgage Services began servicing my 30 year fixed rate mortgage in XX/XX/2014, it was transferred/sold to them by XXXX Mortgage. They have refused to provide any statements on my account. The only information I have available through their website for billing is the monthly/total amount due. When they took over my loan, my payments went from XXXX to XXXX and I don't know why without them providing any documentation on my monthly payments.
Product: Mortgage

My mortgage company PNC Mortgage is taking out more than the 110 % projected cost in my escrow account and refuses to address this issue despite multiple attempts to discuss this with them. Per Montana law 71-1-113, an escrow company can not reserve more than XXXX % of the amount needed to pay expenses. PNC mortgage bought my mortgage from another company and since they took over they have continued to say I have a shortage every year and increase my monthly payment every year. They are taking out more than the XXXX % allowed by law. I have tried to address this with them multiple times, both by phone and email. They refuse to address it and take about XXXX months to respond every time I contact them. I have made at least XXXX attempts to contact them via phone, even leaving messages with their supervisor. They only respond by sending me the same letter repeatedly. I have attached our email correspondence. Below is a copy of Montana law 71-1-113 : " Limit on the amount of funds on reserve. Except as provided in 71-1-114, if a lending institution requires a borrower under a mortgage or trust indenture of real property to include in the borrower 's regular payment additional payment into a reserve fund held by the lending institution for the future payment of property taxes, insurance premiums, and other expenses, the amount of funds on reserve may not exceed XXXX % of the projected amount needed to pay those expenses. ''
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2024 and XX/XX/2024 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2