23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Navient ( Sallie Mae Smart Option Student Loans ) is still charging me high interest rates even though the federal prime interest rate is 0 %. The interest to date is at 8.75 % on one loan and over 9.750 % on a second loan during the Covid19 pandemic. They have not made any adjustments to my loans, and I have always paid on time for over several years, never missed a payment and have great credit.
Product: Credit reporting or other personal consumer reports

XXXX continuing this complaint from my previous complaint about XXXX XXXX. I discovered that actually NONE of my request have been granted. I also noticed accounts from XXXX, XXXX XXXX XXXX XXXX XXXX ( They're actually reporting 2 seperate accounts ) STILL REPORTING AS " CHARGED OFF. '' As I stated in my last dispute, According to the IRS canceled debt ( chargeoff ) is gross/ordinary income & Income DOES NOT get reported on a consumers report. 

15 USC 1681e ( b ) also states that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information concerning the individual about whom the report relates.
Product: Credit card

On XXXX I was charged interest by Goldman Sachs, the issuer of my Apple Card. According to their explanation, the interest was due to my XXXX balance not being paid in full by XXXX However, I have auto-pay set up to pay the full balance each month, and my payment for XXXX was successfully made on XXXX  
The only discrepancy in payments occurred earlier and was resolved on 10/17/2024. Despite this resolution, it appears that onXX/XX/XXXX Apple Card/Goldman Sachs charged me {$35.00} in interest again. I am requesting a review of this charge and a refund if it was applied in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries on my Credit Report. I've tried to dispute to the credit bureau and I've tried going directly to the creditor but failure to respond. Failure to investigation and failure to provide details of the investigation under law and failure to removed unauthorized inquiries. At this point I am being denied on my acquisition of credit due to the fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX from XXXX 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 a account without my written instructions.

15 U.S.C 1692b acquisition of location information by debt collectors.
Product: Checking or savings account

On XXXX/XXXX/XXXX there were 3 fraudulent transactions made on my account at 3 different locations. 1 ) {$220.00} XXXX XXXX XXXX XXXX, Ca 2 ) {$40.00} XXXX XXXX XXXX, Ca which I was reimbursed for. 3 ) {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX, Ca. I logged onto my Bank of America mobile account on XXXX/XXXX/XXXX and contacted fraud claims immediately. I was then reimbursed within the next couple days for all charges. 1 month later 2 of the reimbursements were reversed stating it was not fraud. Ive contacted Bank of America multiple times at requesting information regarding the charges and Ive been getting tge run around for going on 6 months now. They claim I needed a police report so I tried filing one but police dept wanted evidence in which Bank of America failed to send. I was at work on the clock at work the days the transactions were made with no possible way of me making these purchases. I dont understand how one charge was found as fraud but the other 2 were not when they were made within minutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally request for the removal of inaccurate items from my credit report, which I believe are negatively impacting my credit profile and are still appeared. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent inaccurate address and inquiry that are needs to be remove : XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX date of inquiry XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account owned by XXXX XXXX XXXX XXXX, Account # XXXX is a credit card that was opened fraudulently and disputed. They refuse to remove the account from Experian and after directly sending them documentation and disputes via XXXX USPS they have not responded in a timely manner. I have sent them numerous disputes containing my identifying information as well as details of my dispute and i continually get a generic response of them requesting I send documents that were INCLUDED in each of my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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

I was informed by my banker ( 20 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible XXXX XXXX XXXX {$53.00} XXXX XXXX  XXXX {$440.00} XXXX XXXX  XXXX {$500.00} XXXX XXXX XXXX XXXX {$8600.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

1. When CV-19 hit, our tenants told us that they had lost their jobs and that we could not pay the rent on our single family house. 
2. We requested CV-19 Forbearance of the mortgage payments in writing on XX/XX/XXXX, and again on XX/XX/2020. 
3. We received a letter informing us that our CV-19 Forbearance Plan would begin XX/XX/2020. 
4. On XX/XX/XXXX we requested that our Forbearance Plan start, and include XX/XX/2020. We also requested that any negative credit report of a missed payment be removed. 
XXXX. On XX/XX/XXXX we received a reply to our XX/XX/XXXX email. The bank stated : " We have received your recent inquiry regarding your mortgage account. Your credit dispute has been forwarded to our credit team. Please allow time for the research and resolution for this request. '' 6.  On XX/XX/XXXX we notified the bank that we had still not received a response to our demands for correction and that we would be filing a complaint with the CFPB. 
7. We have never heard from the bank following their XX/XX/XXXX email to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear. CFPB There is incorrect error in my XXXX XXXX reports. 
Show that XXXX  XXXX cards open and closed. 
I never had XXXX XXXX cards so please Deleted on my credit reports please. 

In accordance with the Fair Credit Reporting act 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: Debt collection

XXXX has my secured info and has account open I my name I did not approve but XXXX wo n't verify me to discuss stunt but send account to collection I live in XXXX Oregon it is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had this particular account with Capital One since XX/XX/XXXX and have been making payments out of my XXXX XXXX  personal checking account since that time. In XX/XX/XXXX, Capital One put a restriction on my card and required that I either A. sit on the phone and wait for 2 hours until XXXX XXXX  could verify my account is actually mine or B. get a copy of my statement with a full account number on it, which XXXX does not provide. I have not made a purchase on that card since XX/XX/XXXX. I called numerous times to try to rectify the situation and sent them a statement not realizing it was not what they wanted and since my account was restricted, I did not realize I would be able to make a payment until after the due date. I paid the account in full on XX/XX/XXXX. They then charged me a late fee and interest and the supervisor I spoke with said she would get rid of the late fee. Since I paid it in full, I did not realize there was any type of balance on the account. Every month since XXXX, I have been getting charged interest on purchases and late fees even though I have not made a purchase since XXXX. They reported me late on these bogus interest charges in XXXX, which is my main concern, and refuse to fix it because my account is restricted. They also will not tell me why my account is restricted, other than the fact that I make payments both online on my computer and via the mobile app.
Product: Payday loan, title loan, personal loan, or advance loan

I requested a payoff letter. I received the pay off letter and processed the payoff accordingly with my credit union and a check was sent off. Some one called me during work hours when I was in the middle of a shift and said they received the check. I let them know they would need to call me back. They never called me back and I have gotten the run around while the pay off amount keeps getting bigger. They will not apply the payment and this is a part of a debt consolidation.
Product: Credit reporting or other personal consumer reports

These Accounts was charged off on XX/XX/XXXX XXXX XXXX XXXX Since then the accounts has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. Experian, XXXX, and XXXX XXXX has failed to investigate these accounts properly and their neglect has violated my rights. I am demanding a deletion on the Follow Accounts : 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

Please refer to attached documents for detailed information! 

This account remains inaccurate and not properly reported on my consumer report as they are in VIOLATION of my RIGHTS!!!!!

15 U.S. Code 1681a - Definitions ; rules of construction 15 USC 1666B 15 U.S Code 1681b 15 U.S Code 1681b 1681b-A ( 2 ) the reasons for the determination under subparagraph A and ( ii ) CONSIDERATION OF CONSUMER INFORMATION ( 4 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian/XXXX  was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am writing to express my gratitude for taking action to remove some of the fraudulent accounts from my credit report. However, my appreciation is overshadowed by deep frustration and distress over the incomplete resolution of my identity theft dispute. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

While I am thankful for the steps that have been taken, it is disheartening that not all of the accounts I am disputing have been addressed. This incomplete action leaves me in a state of uncertainty and distress, as my financial stability and peace of mind continue to be compromised. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I urge your bureau to recognize the importance of finishing the work you have started. It is essential that all the fraudulent accounts that have been reported are thoroughly investigated and removed promptly. Piecemeal resolution only prolongs the anguish I have endured as a victim of identity theft. 

I understand the complexities involved in such disputes, but it is crucial to comprehend the gravity of the situation from my perspective. Every day that passes with these fraudulent accounts tarnishing my credit report brings about additional distress and uncertainty. 

I implore you to expedite the process and ensure that all the accounts in question are thoroughly investigated and resolved within the shortest possible timeframe. This matter requires your full attention and diligence to bring it to a satisfactory conclusion. 

I expect a written acknowledgment of this dispute letter and a commitment to completing the resolution of my identity theft claims promptly. The law mandates a timely response, and I insist that your bureau fulfills these legal obligations without further delay.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX -- {$4400.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$4800.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The following accounts are reporting as charged off on my credit report and have not sent me a 1099c and this is violation of 15usc1681e ( b ) please remove these accounts from my credit report as soon as possible # XXXX XXXX  account # XXXX account # # XXXX account # XXXXXXXX XXXX XXXX account # XXXX XXXX  account # XXXX I have also filed an ftc report # XXXX because my x wife used my social security number with out my permission while I was in hospice in XX/XX/year> and also I was victim of a data breach/identity theft.please remove the aforementioned accounts from my credit report.i have sent 10 dispute letters to XXXX transunion and XXXX since I found out my identity was stolen.these accounts are stopping me from obtaining a home and a car.
Product: Debt collection

AFNI is attempting to collect a debt that I have no knowledge of. I have never entered into any contract with AFNI. AFNI HAS NEVER CONTACTED ME IN WRITING OR BY ANY OTHER PROPER FORM OF CONTACT DEEMED FIT BY THE FCRA. It is my sincere request that AFNI immediately remove this account from each of the credit reporting agencies that it is presently reporting this negative information to.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XX/XX/year> LVNV FUNDING Care of resurgent capitalservices L.P XXXX XXXX XXXX XXXX SC XXXX To Whom This May Concern I have recently pulled my credit report and notice that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debtor stop collection activity and remove it all together. 

Please attach copies of the following documents : Agreement that you have authority to collect on this alleged Debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct I hope that your legal staff will agree that noncompliance with this request will resulting serious legal trouble for your company. 

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

I have for several years been filing written complaints. And I do have case numbers for them, however, now, I believe that I may have been a victim of the XXXX and Experian and their failure or lack of actually completing any investigations that I requested. 
EX:1 My student loans showed XXXX balance XXXX accounts. The credit reporting agency 's never removed the {$45000.00} balance/ total that was zeroed out ; causing me to be denied credit in many situations for being heavy in debt. 
If I have been approved for credit, I have had to accept much higher interest rates just XXXX receive credit. 
EX:2 when I purchased my car in XX/XX/year>. I had to pay 21 % on installment debt, to be able to finance my car. 
Based on what my credit report reflects, it looks as if I'm {$77.00}, XXXX in debt. When XXXX, XXXX is student loan balances that were zeroed out or deleted but in all actuality, I now know that the credit agencies never really conducted any investigation or updates. 
I would like nothing more than to have the inaccurate and very large balance be removed from my credit reports as it continues to a negative impact on my livelihood and financial health. 
Thank you for your time. I appreciate your public notification of a potential break down consumer services with the credit agencies. 
Respectfully XXXX
Product: Student loan

In XXXX of XXXX my loans serviced by Mohela were placed on administrative forbearance and I was unable to make a payment. The agent with Mohela I talked to told me they did not know why the administrative forbearance was placed on my account. I was advised by Mohela to request to remove the forbearance so I could continue making payments so that is what I did. At this time I was less than 6 months/payments away from the 120 payments needed for Public Service Loan Forgiveness . In XXXX, I learned that my accounts with Mohela were placed on administrative forbearance by the Department of Education due to their mishandling of loan payment notification and other reasons. In learning this, I also found out that I did not need to make payments during those months ( XXXX, XXXX, and XXXX of XXXX ), those months would count towards my 120 payments, and if payments were made, I could call and request a refund from Mohela. In XXXX, I called Mohela and requested a refund for payments made in XXXX ( {$410.00} ), XXXX ( {$410.00} ), and XXXX ( {$120.00} ) totalling {$960.00}. That conversation concluded with Mohela telling me they were going to process my refund and it could take up to 90 business days to complete. I waited until XXXX of XXXX to reach out again as I had received notification that my loans had been forgiven. It turns out my refund was denied without any notification or correspondence. Since then, I have been given different answers, transferred to different departments who never answered, been placed on additional holds for 2+ hours, and other mishandlings. My latest correspondence was with a customer advocate from Mohela who was going to see what she could do. At this time, their hangup is that my account has been " closed '' because my loans have been forgiven. Their solution is to rebuild my account, undo my student loan forgiveness, issue me the refund, and they did not clarify next steps, give me any assurance that this would not mess up anything else, or explain how this could impact my student loan forgiveness that has already been awarded to me. I am frustrated with the process of connecting with Mohela, waiting for hours to talk to someone just to be transferred to another where I am on hold again for additional hours with inconsistent information and a lack of resolution. I was told 9 months ago I would be getting a refund for money I paid based on their ignorance or omission.