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

I am writing to formally request the removal of two accounts from my credit profile with Experian, which are causing a detrimental impact on my credit history. The accounts in question are listed with the last four digits XXXX and XXXX, and they belong to XXXX XXXX I believe that these accounts should be removed from my credit report as they have been discharged, and the IRS 1099 has been provided to confirm their status.

According to the information provided by the creditor, the debts associated with these accounts have been legally discharged. This discharge signifies the conclusion of my obligation to pay these debts. In line with this development, I kindly request that you remove these accounts from my credit profile and update my credit report to reflect their discharged status. This will accurately represent my financial situation and provide a more comprehensive view of my creditworthiness. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I believe that your organization XXXX have violated these rights, specifically under 15 USC 1681 Section 604 ( a ) Section 2 and 15 USC 166b. Let me explain why I believe these violations have occurred : 15 USC 1681 Section 604 ( a ) Section 2 : This section of the FCRA outlines the permissible purposes for obtaining a consumer report. It restricts access to an individual 's credit report to those with a legitimate and lawful reason. Any unauthorized access or use of my credit report may be considered a violation of this provision. I have reason to believe that these accounts may have been accessed without a valid and lawful reason, as the debts associated with them have already been discharged and are no longer active.

15 USC 166b : This is a significant part of the FCRA, which sets out requirements for obtaining and using consumer reports for employment purposes. While this section may not be directly related to the issue at hand, I believe it is crucial to mention it to highlight the importance of accurate and lawful reporting, especially regarding discharged debts.

I kindly request that you investigate these matters and take prompt action to correct my credit profile. Removing these discharged accounts and updating my credit report will help me maintain an accurate credit history, which is essential for various financial transactions, including obtaining loans and credit.

I look forward to a timely resolution of this matter and request written confirmation once the necessary changes have been made to my credit profile. Thank you for your attention to this issue.
Product: Credit reporting or other personal consumer reports

I am writing you this notice as a follow up for my previous notice sent 43 days ago from the date of this letter, to dispute fraudulent unverifiable information on my credit report. The information you are reporting is inaccurate is resulting from identity theft. 

The following information listed below which appear on my credit file does not relate to any of my personal information. 
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX I believe the information listed above that you are reporting in my file results from identity theft so I am requesting that you remove it and block that information from my file.
Product: Credit reporting

I have submitted several attempts to get this information deleted from my credit reports as it is damaging to my credit and ability to find substantial housing for my family and I. As apartments will deny you with a bankruptcy. However, I have reached out to the  US Bankruptcy Court  of  XXXX  - and they have assured me they have not given any of my information to any credit or reporting bureaus ; therefore there are no true validations to their claim. I did not file bankruptcy and this is incorrect information.
Product: Credit reporting or other personal consumer reports

I do have a XXXX  XXXX XXXX XXXX with limit of {$10000.00} since XXXX XX/XX/XXXX at XXXX PM, received email from them that my credit card limit of {$10000.00} reduced to {$250.00} and reason is on basis of my credit score of XXXX XXXX obtained from Transunion. I attached that letter with this complaint. I did call XXXX XXXX XXXX XXXX at XXXX today XX/XX/XXXX and spoke with XXXX XXXX than her Supervisor XXXX XXXX and then he transfers to Manager XXXX XXXX from XXXX XXXX  to XXXX XXXX. Its surprised me when first person XXXX XXXX, with whom I spoke with her told me that she going to transfer to XXXX XXXX  Team Supervisor. When XXXX XXXX come online and when I ask him if he is Supervisor from XXXX XXXX Team Supervisor, he said No, he is just Supervisor above XXXX XXXX. He spoke with his manager and say that he will transfer to XXXX XXXX Team Supervisor than put me in hold then after few minutes after he back and say he not allowed to transfer to XXXX XXXX Team Supervisor but transfer to his Manager XXXX XXXX. XXXX XXXX said that we do not have a XXXX XXXX  Team Supervisor and I guess she misguided me and also said that I should call Transunion who provide them that credit score and that credit score bring my credit limit down to {$250.00} only from {$10000.00} to {$250.00}. Further XXXX XXXX, XXXX told me that she is highest rank officer to reach by the consumer like me to any issue. With XXXX  XXXX XXXX XXXX When I call XXXX XXXX XXXX XXXX, before XXXX XXXX pick up the phone, its automatic system informed me that all calls are tape. So, credit card company do have all conversation in tape, if they do not provide you, I did tape this phone conversation and glad to provide to CFPB. After suggestion from XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX XXXX Customer Service dept. I did call on her suggestion to call Transunion XXXX as it also provided in their letter. So I did call Transunion today XX/XX/XXXX and spoke from XXXX XXXX  to XXXX XXXX  and spoke with XXXX XXXX at Transunion. She mentioned to me in their records still showing the limit on this particular card is still {$10000.00} and suggested me if its reduced to {$250.00}, I can dispute with Transunion. She further mentioned that Transunion use XXXX XXXX XXXX and might bank use the average XXXX XXXX of XXXX credit Bureau not just Transunion XXXX XXXX on XXXX XXXX showing XXXX as per credit card letter XX/XX/XXXX to me. I asked XXXX XXXX do I have right to dispute this with CFPB. So I dispute with both in this complaint. What is my credit XXXX on XXXX XXXX. Because XXXX XXXX XXXX XXXX decrease the limit from {$10000.00} to {$250.00} only on base of credit score obtained from Transunion was XXXX on XXXX XXXX.
Product: Student loan

On XX/XX/XXXX, I called fedloan servicing and spoke to the customer service rep ID # : XXXX to review the number of my qualified payments when I realized the number reported was incorrect. The customer service rep told me it would be fixed right away and to give them sometime. 

I waited for 8 months and called again on XX/XX/XXXX with the same concern, I was told it would be expedited and the error will be fixed. 

I called again on XX/XX/XXXX with the same complaint and the customer rep told me it'll take sometime and can't give me a time line even though it's already been a year since my first phone call. This is unacceptable. She told me even if I called back in a month or 6 months, there was no guarantee the error would have been fixed.
Product: Checking or savings account

I signed up for a home warranty ( XXXX XXXX XXXX XXXX XXXX ) in XX/XX/XXXX through Pentagon Federal Credit Union, where I hold a checking account. They endorse the home service plan and provide automatic withdrawals to pay the monthly {$54.00} to XXXX XXXX. Our XXXX XXXX XXXX XXXX XXXX warranty # is XXXX. 

On XX/XX/XXXX, I filed a claim with XXXX XXXX regarding a leaking hot water heater in my home. A service provider contracted by the home warranty company, XXXX XXXX XXXX of XXXX, Colorado, came to assess the problem on XX/XX/XXXX. I paid a {$100.00} deductible to XXXX XXXX by credit card over the phone and received receipt via mail. XXXX XXXX XXXX determined we would need a new hot water heater and communicated that with XXXX XXXX. 

On XXXX XXXX, XXXX I received a call from XXXX XXXX offering us the product ( new hot water heater ) and installation by XXXX XXXX for an additional charge of {$80.00} or a " payout '' to the amount of {$680.00}. I opted for the product and installation. I was told then that the water heater had been ordered and would be installed within 3-5 days. 

Beginning on XX/XX/XXXX, my husband and I began calling both XXXX XXXX and XXXX XXXX daily to learn the status of our claim since we still did not have a hot water heater. Each time either of us called, we were told conflicting information from the day before and from person to person. At one point we were told the hot water heater was on a truck coming from Texas to Colorado, but there were no tracking numbers. As of XX/XX/XXXX, we were told that in fact, the hot water heater had yet to be ordered by XXXX XXXX. Today, XX/XX/XXXX ( one full month from the date of the initial claim ), I was told by XXXX XXXX  that the hot water heater had been delivered to an address in XXXX, New Mexico and was ready for pick up by XXXX XXXX. I pointed out that XXXX, Colorado and XXXX, New Mexico are not in close proximity by any stretch of the imagination. XXXX, the case manager I was speaking to ( extension -XXXX ) realized this was a mistake on their end and said she would try to have the hot water heater shipped directly to XXXX XXXX in Colorado. 

I have been living without hot water for a month and can not get anyone ( XXXX XXXX or Pentagon Federal Credit Union ) to be accountable for the unacceptable way our claim has been handled.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to seek your assistance with an ongoing issue I am experiencing with Transunion, XXXX XXXX XXXX. Despite my efforts to initiate an investigation into certain items on my credit report, the bureau has repeatedly claimed that I am not the individual requesting this information. As a result, they have failed to take any action on my request. 

I have provided all necessary information and have verified my identity multiple times to the credit bureau, yet they continue to deny my request. This situation is incredibly frustrating and has significant implications for my financial well-being. 

I kindly request that the CFPB hold Transunion, XXXX XXXX XXXX accountable for their lack of action and ensure that my investigation proceeds without further delay. It is essential that my rights as a consumer are upheld, and I believe your intervention is necessary to facilitate this process. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

Reporting agencies are reporting a charge off on my report. Which is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! Also I the consumer never authorized any credit reporting agencies to report on this consumer report, which is a violation of The Privacy Act of 1974, a United States federal law, establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies.
Product: Student loan

I HAVE BEEN EMPLOYED WITH THE XXXX XXXX XXXX XXXX XXXX SINCE XX/XX/XXXX. I HAVE BEEN MAKING ON TIME PAYMENTS ON MY STUDENT LOANS SINCE XX/XX/XXXX. I RECENTLY SUBMITTED MY PSLF CERTIFICATION TO MOHELA AND WAS TOLD THAT MY PAYMENTS WERE INELIGIBLE SINCE I WAS IN DEFERMENT OR FORBEARANCE. I WAS NOT IN DEFERMENT OR FOREBEARANCE AND WAS MAKING ON TIME PAYMENTS EVERY MONTH. 

I NOW RECEIVED A LETTER FROM MOHELA DATED XX/XX/XXXX STATING THAT MY APPLICATION FOR IN SCHOOL DEFERMENT HAS BEEN APPROVED FOR XXXX TO XX/XX/XXXX AND XX/XX/XXXX TO XX/XX/XXXX : I NEVER APPLIED FOR IN SCHOOL DEFERMENT. I HAVE BEEN WORKING FULL TIME FOR THE XXXX XXXX XXXX XXXX  XX/XX/XXXX AND MAKING ON TIME PAYMENTS! 

THE LETTER STATES THAT I HAVE BEEN APPROVED FOR IN SCHOOL DEFERMENT FOR SEVERAL PERIODS, INCLUDING XX/XX/XXXX TO XX/XX/XXXX AND XX/XX/XXXX TO XX/XX/XXXX. 

I WANT THESE DEFERMENTS TO BE REMOVED FROM MY ACCOUNT AS THEY ARE WRONG-I HAVE BEEN EMPLOYED FULL TIME AND MAKING ON TIME PAYMENTS DURING THOSE PERIODS OF TIME! I XXXX  XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX I HAVE BEEN XXXX XXXX XXXX XXXX XXXX  SINCE XXXX AND MAKING ON TIME PAYMENTS FOR YEARS-THIS IS PREDATORY BEHAVIOR AND SIMPLY WRONG. PLEASE HAVE THEM REMOVE THESE DEFERMENTS AND HAVE MY LOANS CORRECTED TO BE IN REPAYMENT. I WOULD LIKE TO HAVE MY PSLF COUNT UPDATED FOR THESE PERIODS OF TIME AS WELL.
Product: Checking or savings account

I have contacted my bank. PNC multiple times because between them and XXXX  XXXX i havent had access to 450 dollars for over 6 days. Its not reasonable or fair that the government allows these large billions of dollar companies to take advatage as they please of normal everyday people. I have literially had no money for 5 days because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report just to see that there was a fair amount of inquiries to my credit report. In the Attachment, it will be a list of accounts along with the date of inquiry. These inquiry accounts are fraudulent and not mine. I did not authorize or initiate any of the inquiries. I also wanted to add XXXX XXXX  XX/XX/2023 which is an auto finance inquiry.
Product: Credit card

I am a victim of Credit Karma marketing scams for pre approved credit cards and false/misleading credit scores. Ive had an account with Credit Karma for several years but recently shut down my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I charged the amount of {$100.00} on my BofA credit card. I do not do any online banking. Therefore, my credit card statements are listed as paper billing. For 14 yrs, Ive NEVER been late on any of my credit card payments. In addition, regardless of the charge/s made, I often pay all or most of my balance when I receive my bill. Sadly, I did not recall the above charge being made on this card. When I finally received my bill, I immediately made the payment- in full. BofA reported my account to XXXX as DELINQUENT based on this late payment- which lowered my credit score. This has now made it difficult for me to refinance my home. I've called BofA three times now to try and resolve this issue. None of my calls resulted in any correction. 

On XX/XX/2021, I received a letter dated XX/XX/2021, from BofA asking me to " please call us... we need additional information to clarify your recent inquiry. '' I immediately called the number that was given to me on the letter. I was on the phone for almost two hours with different " Associates '' about this letter. None of the " Associates '' knew what this letter was about and/or why it was even sent. I was told to disregard the letter. After many requests to speak to a Supervisor, I was finally tranferred. When I spoke to a Supervisor, she informed me that, " I do not know what that letter is regarding as there is nothing on our end that pops up. '' This Supervisor confirmed that a single delinquency is generally not reported to a credit reporting agency until the account is at least 90 days past due. She was unsure why this happened to me. She gave me a number to XXXX XXXX to get resolution through them. 

When I looked into XXXX, I noted that BofA reported that I was " 30 days past due '' in the month of XXXX. Yet, all PRIOR months were reported as " OK ''. Which, according to XXXX, signifies that OK means " Current, paying or paid as agreed ''. The delinquent charge in question was on XX/XX/2021, and there were no other charges made during that time on this card. 
Regardless, nothing about my experience has been fair.
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 Equifax was XX/XX/2022, 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 unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately :
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! 

I sent a letter to the credit bureau over a month and a half ago on XX/XX/22 requesting an investigation on my XXXX XXXX and XXXX XXXX XXXXXXXX accounts and have yet to recieve a response, mail or anything regarding these accounts in question. 

All I asked for was a validation of the debt ... a re-investigation! 

Please have them investigate these accounts or remove them from my credit report ASAP! 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was charged {$3.00} by XXXX on my XXXX XXXX XXXX credit card ending in XXXX. Unfortunately, there was a glitch in the XXXX XXXX app and my AutoPay was not set up as it was and because of this, I carried that balance, which generated interest and late fees for a total of {$12.00}. 

The problem is that in XXXX my account was marked as delinquent, and that's when I found out what was happening. So I proceeded to pay immediately what I owed ( including interest and fees ) but that delinquency marked on my credit history, dropped my credit score by XXXX points, and it is really affecting my credit situation that I've worked for years to keep on an outstanding condition. 

I called XXXX XXXX to explain this and they told me I have to send a letter to their po box to try to get this fixed but a customer representative told me today on the phone that won't be possible to get repaired. 

That is why I'm opening this complaint with CFPB to help me since this was an honest mistake, I already paid what I owed. It is such a small amount that it will be a shame that for such a small amount I get my credit score and history damaged for life. 

I'd really appreciate your help with this.
Product: Credit reporting

I have XXXX hard inquires on my credit report from transunion i have called over 20 times. no one is willing to help me. before all this happen i put a fraud alert on my credit report now transunion is telling me they can not help me. I called i spoke to XXXX XXXX i spoke to XXXX different supervisors and they told me they can not remove inquires or dispute these even if they are fraud. all these inquires are from the same company i have put a fraud alert XXXX. They told me i have to call credit plus and they have to send me a letter that gives them permission to remove the credit inquires. I called credit plus and they told me the information i provided them does not match their file.. and i said hello thats because its fraud and they refuse to assist me or give me a letter. i called transunion back and they will refuse to help me.
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. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I would like to delete the following accounts as soon as possible since they do not belong to me : XXXX ( XXXX ) XXXX XXXX ( XXXX )
Product: Prepaid card

This is the second time I am submitting a complaint regarding this issue because the first time it was not resolved. A company reached out and I submitted the documents requested, but I never heard anything else and that was two months ago. 

XXXXI received some American Express Gift Cards through my rewards program with my AMEX credit card back in XXXX. I have struggled to find places to use them, as almost no merchants accept them. After MANY tries, I finally found a place to spend them, so I wanted to use them up and be done with them since they are such a hassle. During my attempts to spend the cards, one card was locked and put on " HOLD ''. The AMEX gift card website where you check your card balances said to call the number on the back of the card to resolve this. So I called them today, XX/XX/XXXX, and after being hung up on once, got someone who said they could not help me unless I gave them an XXXX digit serial number on the back of the card. But there is no such number on the back of the card. They refused to help me otherwise. I then called the AMEX number associated with my rewards card and they could not help me either. And both numbers/individuals I called had no idea where I should call to try to get it resolved. So I have a {$250.00} AMEX gift card that is locked/on HOLD by the system for an unknown reason, that no one seems to be able to fix so that I can use it. And the company provided numbers that said that I was told would help me, can not. I was told by one CS agent that I was just out of luck. And that is not acceptable or fair. This card was placed on hold by the AMEX system - and no one can release it!