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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$630.00}, XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of information on my credit report. Upon reviewing my credit report, I discovered an account listed under my name that I believe to be the result of identity theft. 

Given these circumstances, it is evident that my personal information has been compromised, and this account is a result of fraudulent activity. Therefore, I request that this account be immediately removed from my credit report to prevent any further damage to my credit history and financial well-being.
Product: Student loan

Nature of Complaint : Failure to provide loan payment history, resulting in potential loss of benefits. 

Complaint Details : I am writing to file a complaint against Mohela Servicing for their failure to provide me with my complete loan payment history, which is preventing me from accessing the Department of Veterans Affairs ( VA ) Education Debt Reduction Program ( EDRP ). This program has a time-sensitive requirement to submit a full year of payment history, and Mohela 's lack of responsiveness is jeopardizing my eligibility.

Prior to the recent platform change from Mohela to studentaid.gov, I made nine months of on-time payments. This crucial payment history is not available on the Mohela web portal or studentaid.gov, and Mohela has been unable to provide this information despite repeated requests. 

Since XX/XX/XXXX, I have contacted Mohela daily to request a copy of my complete payment history. Each time, I have been placed on hold for excessive periods, only to be told by supervisors that my request would be fulfilled " within XXXX business days. '' It has now been 10 business days, and I still have not received the necessary documentation or confirmation that this request is being processed. 

I have spent over XXXX hours on hold with Mohela representatives in the past XXXX weeks, with no resolution. This unacceptable delay and lack of communication is hindering my ability to access valuable benefits through the EDRP.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. There are inaccuracies that existed on my credit report. The bureaus display the Date of the Last Payment differently : XXXX says XX/XX/XXXX, XXXX XX/XX/XXXXXXXX  and this is not showing on the XXXX report. This is clearly a violation according to FCRA 611 on reporting inaccurate on my credit report.
Product: Mortgage

Since XX/XX/XXXX when we requested that we pay our own property taxes and end the escrow account, we have been trying to get a return of the money collected in that account. Since no check had arrived as promised ( within 10 business days plus mail time ), we called the mortgage company to find out where our money was on XX/XX/XXXX.. The representative said that the request had never been processed as ordered, escrow funds were continuing to be removed from our bank account. but that it would be resubmitted and she would try to expedite the check sending process. There was no check received, so we called again on XX/XX/XXXX and were told it would need to be initiated again with another two week plus wait time. On the XXXX we called to check on the progress and learned that the process was done incorrectly and it would take another two plus weeks to get a check out. At this point, I was transferred to a " supervisor '' who would not give her last name. and asked her to credit the $ XXXX to our XXXX mortgage payment, feeling that this would be the only way to see our money again. She stated she would email the representative about this request, but we have learned on XX/XX/XXXX that this was not done and the process was again starting over to release a check.
Product: Credit reporting or other personal consumer reports

XXXX XXXX : I'm challenging wrong reports on my credit file and investigating them. Under the Fair Credit Report Act, I should get {$1000.00} for each error. FCRA 605B requires reporting incorrect accounts.
Product: Credit card

I have bought an item from XXXX. it was this item XXXX XXXX XXXX For XXXX XXXX XXXX XXXX XXXX. 
Total came down to {$520.00}. As the item came it didn't fit my car. I returned it with the label they provided me. which had a tracking number. they had it received in the tracking number but when i contact aliexpress they keep telling me it takes 2 weeks to process. 2 months later they still giving me the run around.

I filed a dispute with Goldman Sachs ( apple card ) and they too were not helping me even though i provided multiple times that the item has been returned and received with the tracking number. they still dont do their jobs. 90 days goes by they reverse the charge and I dispute again, 90 days after they reverse the charge again with NO EXPLANATION! when I contacted them in regards to this they have restricted my account ( in retaliation ) telling me that i have violated the terms and conditions when all i was doing is reporting the transaction accordingly!

I CAN NOT SEE ANY INFORMATION ON THE APPLE CARD! NOTHING! SO I DONT REPORT THEM. CANT EVEN SEE MY CREDIT CARD NUMBER. THATS HOW I KNOW THIS IS RETALIATION! THIS HAS TO BE ILLEGAL.
Product: Vehicle loan or lease

I received a Lease Termination Billing Statement in the mail today, Tuesday, XX/XX/XXXX, from the U.S. Bank, and was quite surprised to read that the total amount due is {$420.00}. 

I requested they reconsider waiving the amount due for the following reasons : 1. I am unemployed due to the COVID-19 unprecedented event and do not have the funding to pay the amount of {$420.00} ( see attached Unemployment submission ).

2. I did not receive the Billing Statement until today, XX/XX/XXXX, which is five months later ( see attached Billing Statement ).

3. My U.S. Bank Account was closed shortly thereafter in XXXX with no outstanding balance. I called the U.S. Bank and spoke with someone and they confirmed that the account was closed in good standing and that I do not owe anything further.

4. I submitted the XXXX XXXX XXXX to XXXX XXXX on XX/XX/XXXX, with an odometer reading of XXXX. Exactly XXXX miles less than the allowable XXXX/year I have already paid for ( see attached Notice of Transfer and Release of Liability and Acknowledgment ) .ay know, the circumstances of the global pandemic have heavily impacted everyone and created a financial crisis for many, including me. This has caused many people to lose their jobs or earn a significantly lower income, and as a result, not be able to pay rent or other After many attempts to follow up and many telephone calls and emails, they denied my request. I received harassing letters in the mail every week demanding their payment. I called and they submitted a request for an adjustment and stated they would call me back and let me know if granted. No one called. I submitted negative experience remarks on my social media pages and someone finally called me and stated they could get the amount waived all together but instead I was told that they adjusted the amount to {$200.00} a month ago and I was not notified. Them not notifying me caused me unbelievable stress. 

Now I receive weekly demand for payment of {$200.00}. 

I want this waived all together for all the stress they caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received two letters ( attached ) in the past 6 months indicating I requested an account with XXXX XXXX. Rest assured I did not, so please close any accounts you have on file remove my request and remove the inquiry with Equifax credit reporting bureau Immediately. DO NOT process or proceed any account information. If you have a question replay to THIS email only or call me. There's been a lot of FRAUD during COVID-19 but I don't intend on being a victim. Thank you for your time and expedient action in the matter. 

Best regards, XXXX XXXX
Product: Debt collection

Company sent a letter with no other information to verify. The information contained in the letter was inaccurate. Previous dispute removed item and it kept reappearing. Rental claims should have court order. Then Hunter company kept changing the dates on the original account extending the time to be on credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I sent in a dispute for inaccurate information reporting on my Equifax Credit report, and a following up request about the dispute on XX/XX/20 and XX/XX/20 for the following accounts showing that I owe the following amounts XXXX XXXX XXXX XXXX They have failed to respond to the dispute within 30 days. It has been well over 30 days and the accounts all remain the same reporting different information on each bureau.
Product: Checking or savings account

Every time I would try to get a deposit In my account it didn't work and then they all the sudden started closing my account for no reason and taking my emails off my account saying they are not real emails when I know they are.
Product: Bank account or service

usaa had a sales promotion that if you opened a direct deposit account to checking you would receive {$300.00} after 60 days. I joined and received {$300.00} in my account XXXX XXXX or XXXX XXXX, 2015. Under my account details they listed the {$300.00} as INTEREST. IT WAS SALES PROMOTION. When I complained they list it as job income, other income, everything but a sales promotion, and then without my knowledge switch it back to interest received 2015. IT WAS A SALES PROMOTION, NOT INTEREST ON MY ACCOUNT. I have complained several times. I receive only XXXX social security. It being listed as interest or job income changes my IRS filing status. I want it listed for what it was A SALES PROMOTION. I only received {$0.00} interest for 2015.
Product: Credit reporting 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. XXXX XXXX : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 


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

I'm very frustrated because I reached out to you all in XXXX of this year about things on my credit that I know nothing about. I'm really trying to help my brother who now has a new born baby get a new car. I have reached out to the FTC and my police here. You guys did get some thing resolved but there are still a few items on there that is not mine XXXX XXXX, XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a discrepancy I have identified on my credit report, dated XX/XX/year>. After a thorough review, I noticed an account that doesn't belong to me. I am seeking your assistance in promptly removing this inaccurate entry from my credit history. The questionable account is : XXXX XXXX XXXX
Product: Debt collection

XXXX is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Product: Vehicle loan or lease

Company charger more than the car was worth and was still charging even thoe they didnt even sell it yet plus dealership sold me a damaged car when they know it was damaged car was not drivable at all plus lost my job so had no funding
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actionXXXX XXXXe been hurting my credit scores immensely. Please see below the items I am concerned of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This morning XXXX I received a credit alert from XXXX of a new credit inquiry that I did not initiate, and then later an email from XXXX saying thanks for electing to go paperless with my new XXXX XXXX XXXX XXXX XXXX that I did not sign up for. I have had absolutely no interaction with XXXX and did not request a credit card.
Product: Checking or savings account

XXXX XXXXXXXX has a phone number I do not recognize the phone ending in XXXX my email is connected to it tho. XXXX my Wells Fargo still owes me money XXXX XXXXXXXX never gave me a case number for my account that was opened I didnt know about or XXXX Credit Reporting with a Checking account I had guess I dont that right if some Rich XXXX Person had My Account just like my XXXX Account because of me just being a poor XXXX person
Product: Prepaid card

There was an unauthorized charge on my vanilla gift card. 

purchase Amount : {$250.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

For maybe more than 20 years trans union has been reporting and gathering wrong information on me which has affected my credit score and report. They were reporting my name as XXXX XXXX XXXX and My name is XXXX XXXX XXXX Also they have been reporting my birth date as XX/XX/XXXXand my birth date is XX/XX/XXXX. This has resulted in bad information gathered. The other two credit bureaus have my credit scores ranging from XXXX to XXXX at different times and transition stays from XXXX - XXXX. I have complained and ask them t fully investigate how the wrong information mah have hindered my score and ruined my life stopping me from lower payments, credit cards and many better things. They changed the information but nothing else not even an apology and my right score.
Product: Credit card or prepaid card

I observed that there were unauthorized charges on my account XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX {$500.00} XX/XX/XXXX XXXX # XXXX XXXX MN XXXX {$500.00} I have not been credited for those charges and there is also a interest charge that I was charged for as a result of those unauthorized charges. 
XX/XX/XXXX INTEREST CHARGE ON PURCHASES {$810.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My account is now handled by the Equifax Consumer Affairs and I would like for it to be REMOVED. They are rude, inconsiderate and just blatantly hang up on you because I ca n't pull m info anymore. This is N OT HOW you t reat consumers!! I would like for my account to be removed ASAP! I ca n't pull my score for free or reports anymore something has happened and this was months after they started handling my account. I should be able to monitor my report and not call a rude  XXXX  department
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was pulled by this company that i have never spoken to before nor have any business with. 
Credit pulled on XX/XX/21.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the information contained in my consumer report, as provided by your agency. Upon reviewing my report, I discovered that undisclosed personal information about me has been shared with a non-affiliated third party without my written consent. This appears to be a violation of the regulations outlined in 15 U.S. Code 6802 - Obligations with Respect to Disclosures of Personal Information. 

As per my understanding of the Fair Credit Reporting Act ( FCRA ), I have the right to be informed about and control the disclosure of my personal information. The disclosure to a non-affiliated third party raises concerns regarding my privacy rights, as I was never afforded the opportunity to opt-out, as mandated by law. 

Upon careful examination of the report, I noted that specific accounts are being reported without my written consent. It is crucial to clarify that my dispute is not with the creditor but with your reporting agency for disseminating and reporting information without proper authorization.

I reference 15 USC 1681b - Permissible Purpose, which necessitates a consumer 's written consent for the reporting of personal information. Presently, I have not granted such written consent, and I kindly request documentation to validate my consent, demonstrating compliance with this legal requirement. Failure to furnish evidence of my consent could be construed as a violation of my rights under the FCRA. 

Additionally, I have filed a report with the Federal Trade Commission ( FTC ) concerning this matter, and the reference number for my complaint is XXXX. I believe that the unauthorized disclosure and reporting of my personal information may constitute a violation under 18 USC 1028a, potentially constituting identity theft.

Pursuant to 15 USC 1681c-2, I formally request the removal of the following accounts from my consumer report within four business days from the date of this letter : Account Name : XXXX XXXX XXXX Account Number : XXXX Unauthorized Inquiry XXXX  XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXXnquiry date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX I affirm my right to a fair and accurate credit reporting process, emphasizing that the swift removal of these accounts is crucial to rectifying the reported inaccuracies. 

Furthermore, I request documentation regarding your method of verification for the disputed accounts and records showing proof of my option to opt-out of the information being reported in my consumer report. This will ensure that your reporting agency adheres to the necessary standards for accuracy and fairness in credit reporting. 

I anticipate your prompt attention to this matter and the resolution of my dispute within the specified time frame of four business days. Non-compliance with the provisions of the FCRA may result in further legal action. 

Thank you for your immediate attention to this matter.
Product: Debt collection

Disputed in XX/XX/2021 for {$200.00}, removed from credit report now it is back on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report and I noticed the following hard inquiries. I never filled out an application for credit and upon doing my research I noticed that this is a violation of the Fair Credit Reporting Act. 
This Act states that the only reason to pull an individual 's credit is for the following reasons : 1. A firm offer of credit 2. Insurance 3. Application for employment 4. A Court Order The following hard inquiries are not related to any of the following, I have never given these companies permission to use or have my personal information. If you refuse to remove these hard inquiries, I will move forward and ask for legal verification which would include ; the name and title of the person who pulled my credit, date they purport that I gave permission to have my credit pulled, method they purport that I gave permission to run my credit. Please include documentation of said permission. If you can not provide me with this information, remove these incorrect hard inquiries from my credit file as soon as possible. I have attached my FTC form, please do see. 

The following hard inquiries should be removed from my credit file as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX