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

XXXX XXXX ( the creditor ) failed to mail me billing statements. Because of this I notified them every month in writing and by phone that I had not received any of my billing statements. The creditor stated that they would be sending out the statements in the mail and that their system keeps having issues with not sending the billing statements. The creditor never sent me billing statements. Because of this I was unaware if I had a balance on my account. I was also unaware if I had a minimum payment due. I did not make any payments as I did not receive instructions on how to pay my bill. The creditor reported my account as late ( delinquent ) to all 3 major credit bureaus ( Equifax, XXXX, XXXX ). After a couple of months/years, the creditor finally sent me a collections notice requesting immediate payment of a specific dollar amount without explaining what the amount was for. Because I did not want negative information on my credit report, I paid the amount that was requested of me. The creditor reported my account as charged off. The creditor violated several consumer protection laws by not reporting my account as current ( never late ) and closed. The creditor does not have tracking information showing that I received the billing statements they were required to send me.
Product: Student loan

A private student loan company has put my loan in default on XXXX XXXX, however I tried logging in prior to that to make some payments and was unable to login, as they stated my loan was moved to another company. I can not pay now, since it 's in default, however I was not able to pay either the week prior to them claiming it was going into default status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXXXXXX XXXX ....
Product: Credit reporting or other personal consumer reports

Experian is in violated of 15USC 1681b ( a ) 3 ( f ) ( i ) for allowing the following person ( s ) to obtain my Experian Report without my written authorization and permissible purpose under the Fair Credit Reporting Act and its guidelines which is a direct result of IDENTITY THEFT. 
A person shall not use or obtain a consumer report for any purpose unless : 1 ) The Consumer Report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 
2 ) The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D Ind. 2003 ). 
15 USC 1681 ( b ) c ) - Furnishing Reports in connection with credit or insurance transactions that are not initiated by the consumer ( 3 ) Information regarding inquires ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person or record of inquires in connection with a credit or insurance transaction that is not initiated by a Consumer. According to the law referenced, EXPERIAN must remove the following unauthorized inquires that were pulled from my report without my written authorization and permissible purpose Immediately listed in my notice sent to them or they will face legal consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed account on my Credit Report. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please repair or correct the account listed below : XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 


XX/XX/XXXX RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. 

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 



Under FCRA 15 U.S. Code 1681n ( b ) ( 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 number of punitive damages as the court may allow. 



I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 



1. This inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. This inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. This inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. This inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. This inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 






under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 



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

To whom it may concern, I am trying to simply access my credit report online from TransUnion. I have called several times and have spoken to several individuals to resolve the issue and my account is still locked! I have verified my identity and have sent in all documentation as requested. It has been months and I still do not have access to my account. I simply want to sign into my account. Again I have verified my identity to several representatives by answering security questions and have sent in my ID etc. I continue to get the run around and to get transferred to another department. I want this to be resolved expeditiously!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 placed a hard inquiry on my credit report. I have never applied for credit with this company. I contacted the company back in XXXX of XXXX and was told they would look into the inquiry. As of today no one has contacted me.
Product: Money transfer, virtual currency, or money service

A relative had sent money to me and confirmed the amount and time, she had called me to confirm if it was received and it wasnt. I called Zelle and they said that there were two accounts with my name. There wasnt and they werent able to confirm where the money had gone to. Ive tried fighting it and spoken to 3 representatives. No one could provide me with any information so I discontinued the service and never received the money
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting two separate conflicting accounts on my Experian, XXXX, and XXXX credit reports. One of the accounts is showing as in " good standing '' and " Paid or paying as agreed. '' The other account is reporting as " Paid account/was delinquent 90 days past due date. '' On XX/XX/2023, at XXXX XXXX XXXX I called Milestone on the phone number listed on my credit reports for both Milestone accounts, ( XXXX ) XXXX. The customer service representative confirmed that XXXX is unable to verify that a second negative account exist under my SSN and name, and that the only account they have in their system for me is paid as agreed and in good standing with no missed payments. The customer service representative then tried to transfer me to their " charge off '' department whom was also unable to verify the existence of a negative account in my name using my SSN. I reiterated to the customer service representative that I have two accounts reporting on my credit reports with severely conflicting information. The customer service representative advised me to dispute the second negative account reported to my credit reports. I have disputed the negative XXXX account in the past with Experian, XXXX, and XXXX, but XXXX has verified the information with the credit bureaus as accurate. How can XXXX possibly verify an account that they claim to have no record of? XXXX Experian, XXXX, and XXXX are violating my FCRA rights by reporting inaccurate financial information on my credit report, not notifying me of a negative account in my name, and failing to provide information regarding the negative information on my credit reports when I requested this information directly from XXXX. I want this account removed from my Experian, XXXX, and XXXX credit reports immediately. I have attached a copy of my credit reports with both XXXX accounts listed.
Product: Credit card or prepaid card

On XX/XX/2020 an unauthorized transaction charged to my account and in XXXX when I became aware of this charge I disputed the transaction. The transaction was reversed on XX/XX/2020, however the interest charges and late fees incurred due to the original charge remain. I did receive a letter stating that the dispute was resolved in my favor, yet I am still being charged because of it.
Product: Credit reporting or other personal consumer reports

I didn't begin these requests, and I have no alliance with these XXXX XXXX Kindly remove them from my credit report immediately.
Product: Mortgage

To whom it may concern, Our family was offered a USDA loan modification from Wells Fargo which began on XXXX XXXX, 2015. The offer required a down payment of {$1400.00} to be made by the date of XXXX XXXX, 2015 in order to accept the offer. In addition to having made the initial payment and consequently completing an extra payment of {$1400.00}, XX/XX/XXXX ; we have still not received our permanent loan modification. 

Our relationship agent XXXX XXXX has not retuned any of our calls since XXXX XXXX, 2015 and we feel that the final adjustments to our account have not been made. We are also concerned that Wells Fargo is in some way attempting not offer us the permanent loan modification and place our account back into default. 
*See Exhibit A -XXXX- USDA Loan Modification OfferOur escrow account is also a major concern as well. Due to my XXXX status as well as limited earning potential I 've been fortunate enough to be granted a property tax exemption. This exemption enables our family to be charged no more than {$380.00} for city taxes rather than {$1900.00}, no matter if the taxes go up. Wells Fargo has been made aware that these adjustments are to be made to my escrow account and have refused to dos so. These extra costs being charged to my escrow account have placed additional burden on our family to make payments for our mortgage. 

*See Exhibit B -XXXX Tax Proof of Exemption documentWe feel as though our family is getting the run around and we are seeking intervention from your offices. Wells Fargo is not keeping a transparent process and is abusing us by not adjusting a large negative balance to our escrow, even after receiving proof of the exemption via fax. 

No one is returning our calls regarding this matter and we 're entering into month # 3 and no adjustments have been made as discussed with XXXX XXXX on XXXX XXXX, 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX of XXXX, I received a pre-qualification letter so I applied. The website said it would not effect my credit score, but as soon as I pressed submit, I got an alert that my credit had dropped from a hard inquiry. I called the company and they said stuff that made no sense. I feel that the website was deceitful in their wording. They transferred me to the credit reporting department and said I needed to send in a dispute. I dont feel like I should have to jump through hoops for something that shouldnt have happened in the first place. I feel like the company used deceptive practices in order for people to apply for their loans.
Product: Debt collection

Multiple companies keep pursuing a debt that has been paid years ago. I tell them that I dispute the validity of the debt and that it has been settled, and they continue to call once the debt has been sold to a new company.
Product: Student loan

Navient continues to call anyone and everyone who might be related to me several times a day in regards to my loan. This is harassment and obnoxious. Since summer 2020- currently, Navient has called my spouse and I several ( 4+ ) times a day and called other people unrelated to this loan and left obnoxious and threatening messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not late on the month that shows on my credit report, the late payment is inaccurate, it as paid as agreed..Remove or Fix XXXX  XXXX XXXX XXXX
Product: Credit card or prepaid card

I hold an account with Synchrony Bank for an affinity " Gear Card '' for Guitar Center. I made a purchase on XX/XX/XXXX in the amount of {$4900.00}, an amount sufficient to award me four " Gear Card Reward Certificates '' in the amounts of {$100.00}, {$100.00}, {$100.00}, and {$30.00}, for a total of {$330.00}, all exiting on XX/XX/XXXX. This was per a promotion published on the Guitar Center site at XXXX XXXX of purchase. 

On XX/XX/XXXX, I made a purchase in the amount of {$30.00} and applied one of the codes funded to the amount of {$100.00}. On XX/XX/XXXXXX/XX/XXXX, I made a second purchase in the amount of {$38.00} and applied another {$100.00} code. On XX/XX/XXXX, I made a purchase of {$490.00} and applied the other two codes in the combined amount of {$130.00} to offset my purchase. However, the Guitar Center site would not allow me to apply the additional codes whose remaining balances are {$69.00} and {$62.00} respectively, for an unused total credit amount of {$130.00}. The site said the codes had already been applied and were not available. 

On XX/XX/XXXX I called Synchrony Bank to resolve the issue to that my unused credit amount of {$130.00} could be applied to my XX/XX/XXXX purchase. A service agent at Synchrony Bank stated that codes can not be applied to cover more than one purchase. He stated that this information is posted on the Guitar Center site when promotional incentives are offered when making purchases like my original purchase that created these rewards. 

To the extent that there may be any such text or explanation of terms and conditions describing the limited use of these Gear Card Rewards, stating that they are not in fact equivalent to their stated dollar amount values except under specific conditions, this consumer disclosure is well obscured or hidden. This is an abusve and dishonest marketing practice that Synchrony Bank refuses to remedy. 

During my call with the service agent, I told him that I was filing this matter with the CFPB, and I asked him to please conclude our session so that I may be directed to the automated consumer survey that their system says will be available at the end of the call if I stay on the line. He ended the call. I was not directed to a survey. Instead, some other agent spoke on the line and said, " Hello? '' I told her I was holding after a completed service call to take the customer survey. She told me to please wait on the line to that I made take the survey. I was then immediately disconnected.
Product: Debt collection

I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF, AS I REQUEST THAT YOU ALL REVIEW THE DISPUTED ACCOUNT INFORMATION ACCORDINGLY. I SUCCESSFULLY SUBMITTED A 1099 CANCELLATION OF DEBT FORM THROUGH THE IRS. I ASK THAT UNDER FEDERAL LAW YOU ALL REVIEW THE ATTACHED DOCUMENTS SUPPORTING THIS CLAIM. AND PROCEED WITH THE NECESSARY UPDATES ON MY CREDIT REPORT WITH DELETION/REMOVAL.
Product: Debt collection

Omni Financial has been charging me 29 % interest rate on a personal loan I have with them. I have provided the company a copy of my XXXX XXXX XXXX XXXX certificate to have my interest rate lowered as well as a copy of my XXXX orders. I have not heard anything back from this company! They are taking my money every month from my allotment and said that they would take it from my bank if they could t get it from my allotment. I sent them a message on their website requesting to have my interest rate lowered along with supporting documents and they have ignored me!
Product: Student loan

In the Fall of XXXX, Federal Student Aid/Department of Education ( FSA ) notified borrowers via message on their website about the timing of income recertification for borrows in income driven repayment plans. This message stated that borrowers would not need to recertify their income until at least 6 months after payments resumed from the Covid student loan payment pause. As such and according to the message from FSA, borrowers with a recertification date listed on the FSA website that was prior to XXXX XXXX XXXX  would have their recertification date pushed back by 1 year into XXXX. 

The date listed for all of my loans on the FSA website is XX/XX/XXXX, and the date listed as my recertification deadline on the MOHELA website is XXXX. Based on this information, my recertification date should be pushed out to XXXX. However, MOHELA is demanding that I recertify now. They claim the XXXX dates are " soft deadlines '' and they are using a " hard deadline '' of XX/XX/XXXX. This " heard deadline '' is not listed anywhere on my account, or has it ever been communicated to me. It also ignores the message from FSA that said the recertification date on the FSA website is the one to be used for this issue. MOHELA can not provide any information as to where the XX/XX/XXXX deadline comes from, or why they are refusing to follow the FSA guidance. 

Why is this important to my family 's financial situation? As many who are pursuing the PSLF loan forgiveness program and are on income driven repayment plans, I use this information to determine the best tax filing status for me and my family in order to reduce my loan payments. As a resident of a XXXX XXXX that received a special tax filing deadline extension due to natural disasters in XXXX, I wasn't required to file my taxes until after the FSA released the guidance described above. Therefore, I used this information to determine my family 's tax filings status. However, with MOHELA not following the FSA guidance, I will be required to use this tax information to recertify, and my payments will increase by over 1,000 % from $ XXXX to between XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion should not be reporting that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Checking or savings account

My direct deposit should have been available in my checking account on XXXX morning, XX/XX/XXXX. I gave the bank an extra day and after seeing the articles online, I called Capital One to inquire. There was a recorded message restating the same message displayed on Capital One 's social media apologies with no timeline or reason. I couldn't even talk to a human.
Product: Checking or savings account

My friend who I deemed as a grandfather more so, gave me a check for {$2000.00} to put in my savings account to help pay for bills that are due on XX/XX/2024. Mobile deposited the check through my Chase savings account and I knew it would take a day to process. Got a hold on it XX/XX/2024 saying that they were trying to get information from my friend bank and ask me to call my friend to see why the bank was having issues releasing the funds. Called my friend and he stated that XXXX already released the funds out of his account. Called Chase back and they stated that on XX/XX/2024 that it would be released. Checked my account today and it now states on the account the check is on a hold. Called Chase and they stated they have to hold it and was gon na call to see if they could release the funds from XXXX. 5 mins go by and saying they could not reach XXXX and I would have to wait until XX/XX/2024.