23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I opened a dispute Report # XXXX with Experian Dispute results reported on XXXX XXXX.The dispute was opened with Experian due to inaccurate reporting of a delinquecy by XXXX XXXX  XXXX XXXX on XXXX XXXXThis information is inaccurate due to the cards Inclusion in My Bankruptcy filed in XXXX XXXX was directed by My Lawyer to stop payment to all credit card lenders including XXXX XXXX  XXXX XXXX in the bankruptcy petition.As a result I was not permitted to make payments to any of the lenders named in the bankruptcy.The Experian Report # XXXX shows no record of the delinquent payment from XXXX XXXX  XXXX XXXX.However XXXX XXXX  XXXX shows Discharged By Bankruptcy with No History of Payment.The card account was issued XX/XX/XXXX and was in use until XX/XX/XXXX with zero incidents of delinquent payments or non-payment by me for a period of more than 9yrs.As a result this inaccurate delinquency reporting by the Bankruptcy Discharged XXXX XXXX Card is effecting my credit score when it should not be considered due to Bankruptcy Discharge.I want the error removed from my report.Thank You!
Product: Student loan

I am pursuing PSLF and my federal loans are serviced by MOHELA. MOHELA placed my loans on a an " administrative forbearance '' without my request, beginning XX/XX/23 and ending XX/XX/23. This prevents me from making two monthly payments on my student loans that would count towards the 120 payments required for loan forgiveness. It lengthens the time these loans are active and allows two additional months for interest to accrue. I have contacted MOHELA through their internal message system twice over the past two weeks to request for the administrative forbearance I did NOT request to be removed immediately, and I have requested a payment due date in XXXX so that I XXXX make a required XXXX payment. I have not received reply correspondence from MOHELA. I have contacted MOHELA by phone and have been on hold for over two hours without being able to reach a representative. These call wait times are excessively prohibitive and I have not yet been able to reach a representative by phone to address this concern. 

MOHELA notified me by letter on XX/XX/23 of the administrative forbearance that began on XX/XX/23. This did not provide me any chance to request for the administrative forbearance to NOT be applied to my account. I have provided the PDF of this documentation here.
Product: Credit reporting or other personal consumer reports

TRANSUNION continues willful negligence and non-compliance with federal law in consistently reporting on a " transaction '' that is not a credit transaction. The dates begin from XX/XX/XXXX to the current XX/XX/XXXX. Several CFPB complaints have been filed and all to no avail. TRANSUNION HAS NOT PROVIDED ANY of the information requested in any of the formal complaints, yet still willfully reports false inaccurate information. 
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Product: Credit reporting or other personal consumer reports

Regarding complaint ID number XXXX. I am writing regarding the dispute I submitted on XX/XX/year>, concerning inaccuracies in my credit report. As of today, 40 days have passed, and I have not received a response to my dispute. This delay constitutes a violation of federal law. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), credit reporting agencies are required to investigate disputes and respond within 30 days. This timeframe can extend to 45 days if additional information is provided, which does not apply in this case as no further information was requested or submitted. Additionally, inaccurate information in a credit report violates the FCRAs provisions under Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which mandates that consumer reporting agencies maintain maximum possible accuracy in consumer reports. The failure to correct or address these inaccuracies exacerbates the harm caused to me as a consumer. Due to the above violations and non response to a request for investigation, XXXX must now delete the following accounts. Copies of my Driver 's License and Social Security card are attached for verification of my identity. I demand immediate deletion of the following accounts do to violation of the laws mentioned above. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XX/XX/2017 I applied for a loan on the website myfullwallet.com. It was not clear that it was a payday loan scam. The APR was between 400-700 %. For example, they would deposit small amounts into my account continuously through the past months and withdraw large amounts. ( Deposit XXXX, withdraw XXXX ). For every {$10.00} paid towards the principal they incur a fee of {$210.00}. The loan that I applied for was for $ 400-790 and they have charged me {$10000.00} in the past year and a half. 

My husband discovered this while reviewing our finances. I did not know they were continuously withdrawing large amounts of money every two weeks. I attempted to remove my bank accounts from the account but they refused and kept taking more money out. They claimed that they were going to write off the debt, but the following day they withdrew another XXXX . My husband disputed some of the charges from our bank and attempted to block them from withdrawing money but they keep taking money. There is a check they withdrew under my name with an illegitimate address that is for {$210.00}. 

Upon further investigation, my husband and daughter discovered that this kind of loan was illegal in the state of New Jersey. This company claims to operate under tribal laws that no state of US government jurisdictions can challenge. 

I went into my emails to find the loan document but it operates under the name XXXX/XXXX. These two companies along with myfullwallet are the same and are pay day loan scams. The document has an illegitimate e-signature that I did not sign. I did not realize this was happening and in no way did I consent to pay over 10000 for a XXXX loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempt to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The Bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The inaccurate information was reporting to my credit file held bt them. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the account. I need the following items to be removed from my report as soon as possible : XXXX : XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX Balance : {$8100.00} ; XXXX XXXX XXXX XXXXXXXX {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX Balance : {$8100.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX {$0.00} ; XXXX XXXX Balance : {$8100.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Checking or savings account

I signed up for a XXXX XXXX XXXX checking account with a promotion bonus of {$500.00} subject to meeting requirements. I verified my zip code as being eligible for the promotional offer using the XXXX XXXX XXXX website during the application process. I took screen shots the promotion terms and have attached them to this complaint. I successfully opened the checking account on XX/XX/year>. I completed all required account documentation and verification. I received the required direct deposit based on the terms and inquired with XXXX XXXX XXXX support via secure messages about not receiving the promotion bonus. My account shows account fee reimbursement which means I met direct deposit requirements, but the bonus was not provided. XXXX XXXX XXXX support responded saying I was not eligible for the offer. This was deceptive advertising from their own website.
Product: Debt collection

I was recently informed of a collections account, with this company listed as the owner of the debt. I phoned them to get clarification on the account. This was after submitting a dispute with XXXX as well as directly on their ( I.C. Systems ) website. I was finally connected with a representative and after what seemed like amiable conversation, where I was told that I owe an amount well over the dollar amount that I remember being delinquent and once I began attempting to collect information on how to resolve the debt, I was hung up on. I phoned the company again ( time # 2 ), only to have a different representative this time ; one who acted as though she was unable to reference any proof of the prior conversation. Upon repeating all of my personal information ( very uncomfortable ), I was told by this representative that the company in which I originally had the account ( the one that is now in " collections '' ) would be REobtaining said account, because the debt collections agency would have had it for more than one year. She ( this second rep ) suggested that I phone the original company ( XXXX XXXX ). Of course I phoned XXXX and they referred me back to the collections agency. I then phoned the agency for a THIRD time, just to be transferred to twice and then hung up on AGAIN. It 's quite clear that this company has no intentions of working with me to educate myself on the validity of this account, Or to resolve this account or collect payment. Obviously this only makes me question the validity of this collection.
Product: Credit reporting or other personal consumer reports

I disputed these items by mail on XX/XX/XXXX, however you continue to report them after your investigation. Please reinvestigate these matters and delete the disputed information as soon as possible. Thank you for your assistance ID THEFT ACCOUNTS XXXX XXXX : Account # XXXX  Opened on XX/XX/XXXX REQUEST : DELETE THIS ACCOUNT REASON FOR DELETION : ID THEFT ( NOT MINE OR NO KNOWLEDGE OF THIS ACCOUNT ) ( See attached documents ) XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX REQUEST : DELETE THIS ACCOUNT REASON FOR DELETION : ID THEFT ( NOT MINE OR NO KNOWLEDGE OF THIS ACCOUNT ) ( See attached documents ) XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX REQUEST : DELETE THIS ACCOUNT REASON FOR DELETION : ID THEFT ( NOT MINE OR NO KNOWLEDGE OF THIS ACCOUNT ) ( See attached documents ) XXXX XXXX  : Account # XXXX  Opened on XX/XX/XXXX REQUEST : DELETE THIS ACCOUNT REASON FOR DELETION : ID THEFT ( NOT MINE OR NO KNOWLEDGE OF THIS ACCOUNT ) ( See attached documents ) INACCURATE ACCOUNTS XXXX XXXX : Account # XXXX REASON : INACCURATE REPORTING This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete this account. 
REQUEST : DELETE THIS ACCOUNT ADDITIONAL INACCURACIES : The Date Of Last Payment : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), Experian ( XX/XX/XXXX ) The Date Last Active : XXXX ( XX/XX/XXXX ), XXXX ( XXXX ), Experian ( XX/XX/XXXX ) I can not verify that this account is 100 % accurate so it is deemed INACCURATE. 

XXXXXXXX XXXX : Account # XXXX REASON : INACCURATE REPORTING This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete this account. 
REQUEST : DELETE THIS ACCOUNT ADDITIONAL INACCURACIES : The Date Of Last Payment : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), Experian ( XX/XX/XXXX ) The Date Last Active : XXXX ( XX/XX/XXXX ), XXXX XX/XX/XXXX ), Experian ( XX/XX/XXXX ) I can not verify that this account is 100 % accurate so it is deemed INACCURATE. 

XXXX XXXX : Account # XXXX REASON : INACCURATE REPORTING I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
REQUEST : DELETE THIS ACCOUNT ADDITIONAL INACCURACIES : The Date Of Last Payment : XXXX ( XX/XX/XXXX ), XXXX ( XXXX ), Experian ( XX/XX/XXXX ) Account Status : XXXX ( XXXX ), XXXX ( XXXX ), Experian ( Paid )
Product: Checking or savings account

Chime is holding my tax refund without proper reason doing so. Ive sent everything they asked me and even when I did that they asked me to send them something only they could see after putting my account on hold. Its been way to long for them to try and do so and Ive been with them since the company opened. Chime is taking advantage of their customers and needs to be stopped. They asked me about a XXXX XXXX product and Ive gave them everything about XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be corrected from my file right away 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
Product: Credit reporting or other personal consumer reports

Experian I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX, XXXX ) On your side through life 's financial moments. 
We're the Consumer Financial Protection Bureau, a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders and other financial institutions.

Help with finances during the COVID-19 pandemic Get help Talk with an expert about your housing needs for free Find a housing counselor Submit a complaint about a financial product or service Start a complaint In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE XXXX XXXX STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A XXXX XXXX XXXX CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Debt collection

I looked over my consumer credit report with XXXX, XXXX, and XXXX. they all have this JPMCB CARD account on my consumer credit report however each bureau is reporting on my consumer credit report differently with each credit bureau I disputed the information with XXXX and XXXX they are reporting false illegal and inaccurate information I would like this account removed, delete, and blocked off my consumer credit report immediately
Product: Credit reporting or other personal consumer reports

Disputed XXXX  over 5 times with Experian. They never supply the verification information. Conducting sham investigations that fail to properly address consumer disputes : When handling disputes, Experian uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher. Experian routinely and uncritically accepts the original furnishers response to the disputed information, even when that response was improbable or illogical on its face, or when Experian has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, Experian sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent.
Product: Credit reporting or other personal consumer reports

I requested to be allowed to validate the alleged debt including a breakdown of all charges, dates of service and procedures given. To my understanding, I have paid off more than what my XXXX  XXXX card charge off is showing and I do not have a current contract nor did I authorize this company to obtain my information, my rights to privacy was violated under FDCPA & FCRA. Law 15 U.S.C. clearly states that if a consumer notifies a debt collector that they refuse to pay a debt the debt collector must cease all communication. Also, Under HIPAA Law ( Health Insurance Portability and Accountability Act of 1996 ), I am allowed to protect my privacy and medical records from third parties. I do not recall giving permission to WAKEFIELD & ASSOCIATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

Equifax Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUD MY PERSONAL INFORMATION WAS USED WITHOUT MY VERBAL OR WRITTEN CONSENT OR HAVE I GRANTED WRITTEN INSTRUCTIONS TO DO SO.I WOULD LIKE ALL INCORRECT INFORMATION REPORTING ON MY CONSUMERS REPORTS AND CREDIT AGENCYS TO BE REMOVED AND DELETED PERMANENTLY AND INDEFINITELY ASAP!!! BELOW ARE THE FRAUDULENT INQUIRES : XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX , XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX, XXXXXXXX XXXX  XXXX, XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late 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 21 days before the payment due date. 

XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports