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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX, XXXX, Transunion Dear XXXX, XXXX, Transunion I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card and auto lon account under an open-end consumer credit plan as later 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 20 days before the payment due date. 
I NEVER gave You, XXXX, XXXX, Transunion, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, any written instructions to furnish any information on my consumer report. 
Which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practice. 
You XXXX, XXXX, TRANSUNION should be ashamed of yourself for ASSUMING this Role and position to constantly commit fraud and cause harm to consumers! 
These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Acct # XXXX XX/XX/XXXX By the provisions of the fair Credit reporting Act, I demand the these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. 
It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an update copy of my credit report reflecting the requested changes. 
Best Regard, XXXX XXXX XXXX ( XXXX ) Without Prejudice, All-Natural Inalienable Rights Reserve
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a total of 24 inquiries i did not authorized in short it was not me! And i have 2 accounts that i want it deleted immediately becuase i have no financial obligation! i when i contact the credit bureau i was ask to submit a report here and add the needed letters and documents so place since i have taken my time to do this can you also take a time to review and submit this.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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

Hi, When I pulled my credit reports, I noticed many hard inquires on my credit report. That shouldn't be on there at all. 
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

My name is XXXX XXXX. My information was compromised and my identity was stolen. My life is not mines and this has to stop. I reached out to the bureaus on XX/XX/XXXX of last year. I went through all the procedures of what happens when your information is stolen. The bureaus have not done anything on my behalf. I called, sent in certified mail as well as faxed. I have decided to pursue legal action against XXXX, Experian and XXXX.I have hire a lawyer to assist me in getting my life back because the bureaus are clearly not interested in helping me.XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX fl XXXX has looked into my case and notice several breaches in the FCRA by XXXX, XXXX and Experian. 

Here are a list of the Accounts and inquiries that are fraudulent and continues to report XXXX XXXX XXXX XXXX XX/XX/XXXX {$16000.00} XXXX XXXX XX/XX/XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$4700.00} inquires XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX {$16000.00} XXXX XXXX XX/XX/XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$4700.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$16000.00} XXXX XXXX XX/XX/XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$4700.00} Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Due to the credit bureaus negligence we have also decide to add the following individuals into our pending lawsuit. We strongly feel like these particular individuals within each bureau are mainly responsible as overseers as it pertains to our case EXPERIAN XXXX XXXX Customer Service Manager at Experian Experian NCAC Email : XXXX XXXX XXXX Operations Manager Experian NCAC XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX CFE CCIA Compliance Fraud Investigator Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian PLC XXXX XXXX  XXXX XXXX President US Commercial Services and Chief Client Officer XXXX XXXX XXXX XXXX XXXX President XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Svp US consumer Information Services XXXX XXXX XXXX SVP Chief Compliance Officer XXXX  XXXX XXXX XXXX XXXX CRCM VP/Sr Manager of Regulation and Compliance XXXX XXXX XXXX XXXX XXXX Senior Vice President Enterprise fraud/ID Theft XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Corporate vice president chief legal officer XXXX XXXX XXXX XXXX XXXX XXXX EVP Compliance and Litigation XXXX XXXX XXXX XXXX XXXX Executive Vice President XXXX XXXX XXXX XXXX XXXX XXXX Fraud and Identity management XXXX   XXXX XXXX XXXX XXXX Senior analyst consumer experiences XXXX  XXXX XXXX XXXX XXXX Director-XXXX   Consumer Interactive Servicing XXXX  XXXX XXXX We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my client. These individuals with be named in our pending lawsuit if the fraudulent information keeps reporting on their credit.
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 shalli ) 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; and ( ii ) promptly notify the furnisher of that 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 : Transunion *** XXXX XXXX Account Credit card Open/Closed Closed Date opened XX/XX/XXXX XXXX {$0.00} Account Credit Card Open/Closed Closed Date opened Equifax *** XXXX XXXX XXXX {$590.00} Open/Closed Date opened XX/XX/XXXX XXXX XXXX {$26.00} Open/Closed Closed Opened XXXX XXXX XXXX XXXX Account Credit card Open/Closed Closed Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

These accounts have violated my rights ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 major credit bureaus is reporting false information on my credit report for XXXX XXXX XXXX credit card with a {$1000.00} limit. The credit bureaus is reporting that this account was a charge off and it was settles for less than what is owed. This is completely false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting Act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

In XX/XX/XXXX, I received a letter from National Recoveries stating that my loan was in default & had been turned over to them. I contacted them to set up a payment arrangement for my loan. I was told that I would be emailed a link to invite me to XXXX where I would be able to upload required documents for the program. I did so on XX/XX/XXXX. I set up an arrangement for {$100.00} monthly would be taken from my checking account. I was also told that my loan would be taken out of default & any tax offset would be removed from my account. Since then I had been making payments. XX/XX/XXXX I filed my taxes with XXXX XXXX XXXX XXXX & was updated that I should receive my refund in my account on XX/XX/XXXX. That didn't happen. I checked IRS.gov website & my status showed that my refund was taken & put towards my student loan as a tax offset. On XX/XX/XXXX I contacted National Recoveries to see exactly what was going on, & I was informed by XXXX that they did not tell the U.S. Department of Education that I had entered into the loan rehabilitation program & was making voluntary payments & to take my loan out of default status & off tax offset. I asked if I could request a hearing & they said they didn't handle that. They also said they mailed me a letter informing me that they didn't have all the required information to enroll me into the loan rehabilitation program. I responded by telling them but yet and still y'all was taking my money since XX/XX/XXXX. The letter they mailed was dated XX/XX/XXXX to my old address. I had no idea my loan was still on tax offset until I went to IRS.gov. The letter I received from the U.S. Department of Treasury was dated XX/XX/XXXX, after I should've received my refund.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To whom it may concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX  XXXX .... 
XXXX  XXXX XXXX .... 
XXXX XXXX XXXX .... 
XXXX XXXX XXXXXXXX .... 
XXXX XXXX .... 
XXXX XXXX XXXX .... 
XXXX XXXX XXXX .... 
XXXX XXXX .... 

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

I received at letter from A.P.H LLP 0n XX/XX/2017 informing me that they represent XXXX XXXX XXXX for a debt 0f $ XXXX.I never have acct, loan or credit car from XXXX XXXX XXXX
Product: Student loan

I called Navient around the XX/XX/XXXX to inquire about forbearance or deferral of my loan I was told that I could not do that as I had used all of my allotted months under the loan. These loans are not under my name but under the name of my spouse as the were previously consolidated. As such they are no longer a spousal consolidation loan but are loans that are under my wife 's name and her name alone. I know this because everytime I call in to inquire about the loan I am required to give her information and not mine as I do not have loans with Navient. When I spoke to your representative in or around the XX/XX/XXXX she informed me that I could do a consolidation through Studentloans.gov and that would reset the loans. I proceeded to do that as you can see in your records. 
On a XX/XX/XXXX letter from Navient I was informed that the loan consolidation was denied with the reason code being XXXX. I then called and spoke to another representative on XX/XX/XXXX. He told me that the loan was denied because it was a spousal consolidated loan. He also told me that the loan was in a hold until XX/XX/2017 due to the consolidation application. He told me that I would need to pay {$43.00} for loan XXXX and {$280.00} for loan XXXX due on XX/XX/2017. After that I would then make a payment of {$320.00} for XX/XX/XXXX and then in XX/XX/XXXX the payment would start with the Income based repayment plan w3ith a payment of {$230.00}. 

I called again today and spoke to another representative and was given yet different information. I was told today that my payment of {$230.00} is due on XX/XX/2017 and that would continue until XX/XX/2017. I was also told that an email was sent on XX/XX/2017 informing me that my payment was due on XX/XX/2017 and not on XX/XX/2017 like I was told on XX/XX/XXXX. I have looked for this email and there is no such email. Obviously I am frustrated that things are changing without notification and that I am being told so many different things to do. 

After my conversation today I called the Loan Consolidation Information Call Center with the US department of Education. 
I was told to call Navient back and let you know that the loan is not a spousal consolidation loan as that was done previously when that type of consolidation was permitted. The consolidation of the loan that I was applying for is in fact not consolidating my wife 's and my loans but is a consolidation of her loans alone. Please see correspondence from US Dept of ED Call center here :
Product: Credit card

Three Fraud charges from XXXX XXXX were reported. Two of them dated XX/XX/23 for {$150.00} ( reference # XXXX ) and {$100.00} ( reference # XXXX ) and XXXX dated XX/XX/23 for {$250.00} ( reference # XXXX ) was reported. 
Fraud Claim repeated denied by synchrony bank and I was told I authorized, participated in or benefited from fraud. I did not. These are not my charges. Three times I have contacted synchrony bank to explain that these are fraud charges and three times they were denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported me 30 days late to Experian for XX/XX/XXXX and XX/XX/XXXX. I was not and they were paid of in XXXX. They show me 30 days late each month for XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX to XXXX and I was not and this was corrected and removed and now put back. This account is over 15 years old and is closed and should be removed from my Experian and XXXX report. All that XXXX XXXX XXXX has done is stop my refinance again.
Product: Student loan

I sent in my annual PSFL re-certification so my previous months quality towards my loan forgiveness. I sent the form in on XX/XX/XXXX. But on XX/XX/XXXX. Mohela said it was a duplicate and canceled my form. I have not re-certified since XXXX XXXX with federal loan servicing. 

So on XX/XX/XXXX I emailed Mohela through their online customer service portal about the error. On XX/XX/XXXX, I received this response from Mohela : MOHELA 's Response : Thank you for contacting MOHELA, We apologize for the inconvenience. As of this writing a request was submitted to have your PSLF application reprocessed. You will receive notice when processing is complete. 

If you have any additional questions regarding your PSLF application, please call toll free at XXXX. XXXX XXXX XXXX. to XXXX XXXX., Tuesday through Friday XXXX XXXX. to XXXX XXXX., and Saturday XXXX XXXX. to XXXX XXXX XXXX. 

However, on XX/XX/XXXX, Mohela canceled the PSFL form. I then sent another message to their customer service, but no one is responding to me. 

My total loan payments is supposed to be 113 payments and I am supposed to have loan discharge by XXXX of XXXX. Instead, because Mohela refuses to certify my XXXX, the system still has me down as only having made 100 payments. 

I never had these issues with XXXX XXXX XXXX. Mohela is a nightmare and trying to sabotage me from having the correct number of payments made/counted and preventing me from having my loans discharge by XXXX XXXX, because they will not be able to financially benefit from it. Congress needs to investigate this ASAP. A quick XXXX search on this and thousands of students are having the same issues with their PSFL and Mohela. It's so widespread, it is even discussed about on reddit. The re-certificationperiod is for XXXX XXXX XXXX XXXX XXXX. I always make sure to send an annual PSFL so my correct payment counts are corrected annually. 

I need help getting my payments certified so my total payments gets adjusted. I need CFPB help! Again, I am supposed to have 113 payments made, but Mohela is only counting 100 as they keep rejecting my annual PSFL certification. 

Thank you!
Product: Debt collection

Greetings, I am writing to inform you of a business conducting unfair debt collecting practices. 

Agency : Account Recovery Specialists , Inc . 
Address : XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX XXXX XXXX, XXXX XXXX charging {$230.00} + {$26.00} in interest. on the letter they have sent to the attorney. I have other amounts they have billed me charging interest as well, unfortunately I do not have those letters with me at this time - however, I can do a follow up regarding this information. 

ARS, Inc. has also contacted an attorney regarding a debt concerning my husband, XXXX XXXX and myself. I am reporting them for the below information : 1. Debt Collectors can not collect interest, fees, or other charges on top of the amount you owed, unless the original contract or your state allows it. 
a. There was no original contract as this is pertaining to a medical bill ; medical bills are not subject to interest. 
b. Kansas Debt Collection laws adopt the FTC laws that do not allow a debt collector to collect interest on a debt. 
2. Statute of limitations for ARS to sue regarding this debt in the XXXX of Kansas is 3 years. The debt is far older than 3 years and now considered Time-barred. 
For those reasons above, the agency is being reported. 
Thank you for your time in considering this matter. 

XXXX Regards, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX i opened a bank account at Citibank and deposited my funds that i received from my lawsuit settlement and i was able to use my account for the first few transactions then a few days later i went to transfer money and it wouldnt let me called the fraud department later that day and everyday after that and they told me that i had to call back with a verified phone number which i dont understand because the same number i used to open my account was the same number i called them from and they told me they couldnt use that number so i tried to see if they could use my mom number they said they couldnt use her number or my dad number
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of 2018 is when I first noticed that I was a victim of identity theft. Since then I've filed a police report, contacted the credit bureaus and creditors but I'm still not receiving any cooperation concerning the accounts that I list are not mine. I've ask the creditor to send me contracts in writing with my signature and I haven't received anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$80.00} ; XXXX  XXXX Balance {$4100.00}