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

I am writing to formally dispute inaccurate information that appears on my consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and complete credit reporting. I believe the following item ( XXXX ) to be erroneous : Creditor/Company Name : XXXX XXXX Account Number : XXXX Inaccurate Information : Monthly Payment : TransUnion and XXXX report {$4700.00}, while XXXX shows {$4700.00}, creating discrepancies in my financial obligations. 
Number of Months ( Terms ) : TransUnion and XXXX list 564 months ; XXXX inaccurately lists XXXX. 
Date Last Active : TransUnion : XX/XX/year>2024 ; XXXX : XX/XX/year> ; XXXX : missing date altogether. 
Two-Year Payment History : XXXX and XXXX show 120 days late in XXXX and XX/XX/year>2024 ; TransUnion does not report these delinquencies. 
Comments : XXXX : CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER. 
XXXX : Real Estate Mortgage XXXX  mortgage. 
TransUnion : No comments reported. 
Legal Bases for This Dispute 15 U.S.C. 1681i ( a ) Reinvestigation of Disputed Information Under 1681i ( a ) ( 1 ) ( A ), consumer reporting agencies ( CRAs ) must reinvestigate the disputed information within 30 days of receiving this notice. 
The CRAs must also forward all relevant information regarding my dispute to the furnisher, as required by 1681i ( a ) ( 2 ).

15 U.S.C. 1681e ( b ) Maximum Possible Accuracy CRAs must follow reasonable procedures to ensure that information in consumer reports is as accurate as possible. Reporting conflicting or missing data ( e.g., different monthly payments, missing dates, varying delinquency histories ) violates this requirement. 
15 U.S.C. 1681s-2 Responsibilities of Furnishers Furnishers ( in this case, XXXX XXXX ) must not furnish information if they know or have reasonable cause to believe it is inaccurate ( 1681s-2 ( a ) ( 1 ) ( A ) ) or if the accuracy can no longer be verified after proper notice from the consumer ( 1681s-2 ( a ) ( 1 ) ( B ) ).

15 U.S.C. 1681i ( a ) ( 5 ) Correction or Deletion If the investigation finds the disputed information to be inaccurate, incomplete, or unverifiable, it must be promptly corrected or removed from my report.

15 U.S.C. 1681i ( d ) Notification of Results CRAs must provide me with the results of the reinvestigation and a revised credit report if any changes are made.

15 U.S.C. 1681g ( a ) Disclosure of Information I have the right to request all documentation used in verifying the accuracy of the disputed items.
Product: Checking or savings account

To Whom It May Concern, Hope all is well. 

My family and I have been Bank of America customers for over 20 years. 

Unfortunately, I'm writing about the unprofessional behavior about representative XXXX XXXX. 

My account ( XXXX ) was charged foreign transaction fees in XXXX. 

The amount of money is very small ( {$160.00} ) and I genuinely believe that this is a small misunderstanding. 

If you listen to an audio from representative XXXX XXXX to me, she stated that Bank of America does not know how fees are calculated. The only way is to call in and find out. This fees in the past had been reversed in XX/XX/year>. 

Representative XXXX XXXX and XXXX XXXX have given conflicting information about this. This has caused a huge level of inconvenience. Is it possible to have someone other than XXXX XXXX or XXXX XXXX look at this. As mentioned, we have been a customer for over XXXX XXXX  I don't understand the difficulty to go through this for {$160.00}. 

Thank you in advance, XXXX XXXX XXXX XXXX
Product: Student loan

Since my loan has been with Navient, I have been advised to go into into forbearance and not to pay interest. Then when I wanted to go the income-driven repayment plans, I was told my payment would be XXXX a month. When I went to start, this was not the case. So I as advised to go into forberance. Each loan advisor I spoke to gave me an entirely different story. Thy did not keep me informed of deadlines or changes to the payment amounts and continued to guide me not to pay at this time, as a supervisor would call me back to sort things out, because each advisor came up with a different amount to pay back. I was also waiting on my income-driven plan amount in a letter so I could buy a home. It never came after many attempts. Then of course the amounted quoted over the phone changed.
Product: Credit reporting or other personal consumer reports

The inquiry made by XXXXXXXX XXXX for a business credit card is asking to be removed due to it not being authorized. we are asking for immediate removal of the inquiry.
Product: Student loan

I recently refinanced my loans through XXXX XXXX. XXXX XXXX uses XXXX XXXX as the processor. XXXX XXXX disbursed my new loan to KeyBank, the holder of my student loans.

KeyBank   claims to have no knowledge of my disbursement from XXXX XXXX.

Both KeyBank and XXXX XXXX   use XXXX XXXX. XXXX  clearly shows the the disbursement was made.

I have been in contact with KeyBank, for hours at a time. The student loan call center is located in XXXX, XXXX. The staff has no ability to resolve my issue, and tell me that only one person -- XXXX XXXX, can fix my issue.

The call center will not provide me Mr. XXXX 's information ; nor will Mr. XXXX call me as requested.

This loan is still on my credit report. KeyBank has sent my co-signer seven letters. They are calling me for collections. They are reading me the collections mini-miranda.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion for a violation of Title 15, Section 1681c-2 of the United States Code , which relates to blocking information resulting from identity theft. 

In the month of XX/XX/2023, during a credit check, an unknown credit card account was opened in my name without my consent, and this incident constitutes identity theft. 

I have attached the following supporting documents to this complaint : A copy of my identity theft report as required by the statute. 
Copies of relevant correspondence with TransUnion. 
Any other relevant documentation, such as police reports or affidavits. 

I believe that TransUnion has not properly complied with the law by failing to block the fraudulent information from my credit report as requested. This has caused financial and personal distress. 

I request that the CFPB investigates this matter and takes appropriate action to ensure that my rights under Title 15, Section 1681c-2, are protected, and that TransUnion rectifies the violation promptly. 

I appreciate your attention to this matter and look forward to a resolution of the issue. Please contact me at the provided contact information if you require any further details or documents.
Product: Checking or savings account

In early XX/XX/2018, I received a letter from Wells Fargo informing me that my local branch was closing and that I would have to clear out my safe deposit box. On XX/XX/XXXX, I was charged XXXX for an annual fee for the deposit box. The branch closed in XXXX. I was never refunded for the service charge for a safe deposit box that I could not access. On XX/XX/XXXX I called and after 45 minutes received a credit for the service charge for the deposit box. On XX/XX/XXXX, Wells Fargo rescinded that credit without explanation and debited my account without authorization. They have charged me for a service I never received and wasted my time by forcing me to endure hours on the phone only to reach resolution and have it taken away. I had to call again on XX/XX/XXXX only to have the same treatment.
Product: Credit card or prepaid card

I was made responsible for fraudulent charges totaling {$9000.00} plus interest on 131 charges made on XXXX between XX/XX/21 to XXXXI notified Barclays on the evening of XXXX but they did not cancel the card leading to 3 more charges totaling {$1600.00} till I called back again on XXXX. All activity was not mine and I believe my card was hacked through my daughters XXXX account as she used my credit card as she is XXXX and visually handicapped with no credit of her own. Barclays first said I was not responsible but then decided I was. XXXX was of no help in this matter. Barclays claims that all items where delivered to my daughter in XXXX. This is not true! 
I was never notified by Barclays that there was unusual activity on my card- sometimes 16 transactions a day!! 2 transferred were over {$1000.00}. 
They initially took all the charges off then put them back in XXXX. 
There was only one actual charge made by me during those dates and it was for eye vitamins for my daughters XXXX. XXXX was quick to demand repayment for those when they probably had to repay Barclays. 
I have been a long standing customer of Barclays using the card for XXXX XXXX XXXX. I am a XXXX XXXX XXXX retired XXXX who does not appreciate being treated this badly. 
This also lowered my credit rating. 
Thank you.
Product: Student loan

There are 2 complaints. 
Complaint 1 : I have XXXX students loans with Navient. When I make additional payments to try and pay the loans off faster, they 1st apply the payment to interest rather than principal as I hoped and then restructure the monthly payment rather than keep it. So not only am I not reducing the principal, I end up paying more in interest. Since I am trying to pay off the higher interest rate loans 1st, this defeats the purpose. 
Complaint 2 : When I applied for automatic deduction of my loan payment, I was told I would get a discount on my interest rate. It was granted and then several months later they retracted it saying I was late. When I called concerning this, the rep said he could n't understand as I was never late. Come to find out, because I had a 3 month deferral ( which was before I applied for the automatic payment ), they then claimed I should not have been granted the discount. Why when I did not apply for the auto deduct payment until after the deferral which was when they gave me the notification that I was eligible for the discount. They not only increased the loan rate, they also charged me back the interest. Also, at no time was I told that a deferral would change my status to being late or behind.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

Email was different then signed up. Took longer then 3 days to receive the funds
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX 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

This is in reference to : XXXX XXXX Account : XXXX XXXX due : {$400.00} I trust this message finds you well. I've been reviewing my credit report and came across some information that raised a few questions. In my exploration, I delved into the Fair Credit Reporting Act, specifically 15 USC 1681, section 602, which highlights the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I've been thinking about my rights and responsibilities in this context. According to 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information. Digging deeper, I found 15 USC 1681, section 604, which outlines the circumstances under which a consumer reporting agency may furnish a consumer report. It explicitly mentions that they can do so only in accordance with the written instructions of the consumer to whom it relates. I want to emphasize that I haven't given any written consent for the sharing of my information, and this concerns me. Furthermore, 15 USC 6802 ( b ) ( c ) notes that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. To my knowledge, I have not been informed of such an option. I also stumbled upon 15 USC 1681c ( a ) ( 5 ), which states that no consumer reporting agency may make a consumer report containing adverse information without authorization. It appears that an adverse item is being reported without my permission, which, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, is against the law. The Act further mandates that consumer reporting agencies maintain reasonable procedures designed to avoid violations of the statute. Unfortunately, it seems that XXXX and Experian may not be following these guidelines, as indicated in 15 U.S. Code 1681e. Lastly, I discovered in 12 CFR 1016.7 that a consumer has the right to opt out of reporting services at any time. I'm choosing to exercise that right. I wanted to bring these specific sections of the Act to your attention and discuss how we can address these concerns. Your insights on this matter would be greatly appreciated. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I pulled my reports and seen some hard fraudulent inquires and I need them removed immediately.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$2100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting around the beginning of XX/XX/2020 I needed to unlock the freeze on my Equifax account for a refi. However, I was not able to login to my account. I reset my password on the companys website, but when I try and login it would tell me my account has been temporarily locked out. I called Equifax to get them to unlock my account and they told me to fax them my drivers license, SSN, and a pay stub. Which I did a handful of times over the next 2 or 3 weeks. Finally, after about 5 weeks, after I started the process, I received a letter in the mail letting me know that they had lifted my credit freeze ( after my refi was done ) At which point I tried to logon only to find out my account is still locked. I then opened an online support ticket with Equifax, XXXX XXXX XXXX on XX/XX/XXXX. Equifax closed that case the next day, without resolving my issue. I then opened another case number : XXXX on XXXX XXXX to try and get my account unlocked. I have sent them 13 emails so far asking when they are going to unlock my account. I have received two responses from them stating that because of Covid-19 the are  busy.
Product: Debt collection

On XX/XX/2022, USCB America, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, flagged my credit bureau accounts for a collection but has never made any contact with me in any manner. As I understand it, this action by USCB is a violation of the Fair Debt Collection Practices Act, and subjects it to a {$1000.00} penalty plus attorneys fees and costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX
Product: Credit card or prepaid card

I have a Capital One Credit Card. I have had it for probably 20 Years or more. I usually log into my account at least once a month to look at charges as well as payments. 
On XXXX the XXXX 2017, after I entered my username and password it took me to a different page asking me to verify 3 things. One was my contact phone number, two was my email address and the third was my annual income. My annual income is private and I did not wish to disclose it. Because I would not disclose my annual income I have been denied access to my account online. I spoke with a rep from Capital One then I spoke to there Supervisor. They were unable to help or grant me access to manage my account. They are not restricting me to use the card. The credit agreement has not changed. They are just restricting me from viewing or have access to manage my account until I give them my Annual Income information.
Product: Credit reporting or other personal consumer reports

Yesterday, XX/XX/year>, I received an email from XXXX XXXX stating my score changed. I logged in and saw that my XXXX account had closed and opened a new one. XXXX sent emails in XX/XX/year> to state they would still be the service agency handling my loans but they were internally updating the platform to a new URL. If there is an internal platform upgrade, I understand that this should not cause my account to close and reopen, which will adversely affect my credit score. Because XXXX will continue to be my loan service authority and not a new service agency, this should NOT have affected my credit score at all with an internal system upgrade. 

XXXX should have either stated in their emails about the transition that credit scores may be affected or that this should not have affected anyone 's credit score by closing and opening the account on their credit report. This is not a new account or servicer. This type of misinformation on XXXX 's part should be corrected, and the agency held accountable for its extremely poor business practices. This is not the first time XXXX has been a frustrating and challenging experience to navigate my student loan repayment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting inaccurate information on my credit report COMMENTS from ( XXXX, EXPERIAN XXXX XXXX ) Payment History ( EXPERIAN & XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to request my credit score and report from the three major credit bureaus. Two of them are very problematic in how they make the information available to the consumer. 

XXXX- refuses to provide the credit score unless I pay for it. ( 1 ) They omit it from the credit report, and ( 2 ) provide a link to the XXXX which states that consumers may have to pay for a copy of a report related to mortgages, and they make the information appear as though it applies to all requests for credit reports, and ( 3 ) they provide an option to pay for my credit score and request my payment information but they never disclose up to this point how much they will charge for the score. In the small print on a subsequent page they say the fee is {$.00} which includes a 30-day credit monitoring subscription that renews at $ XXXX. They also state in the small print that it's not a FICO score, and that the score that you are purchasing is not one that lenders use. So it is an elaborate ploy to mis-direct consumers into purchasing credit monitoring at a cost of almost $ XXXX. 



Equifax - provides a visible credit score and report but it is impossible to print, download or save the report. It requires you to open multiple sections of the report separately, and save or print them separately. This is an unnecessary burden on consumers which has no valid basis or justification.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX