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

This complaint is regarding an account on my credit report from XXXX XXXX. 
Under Section 611 ( 5 ) ( A ) of FCRA any account and all information pertaining to it should be promptly deleted if it can not be verified.

I have sent 4 letters to Transunion starting XXXX of XXXX asking to see verifiable proof ( hard evidence going all the way back to the original creditor, not verification from third-party database ) regarding this account. ( my first letter was on XX/XX/XXXX ). 

Under the FCRA, unverified accounts must be removed if Transunion is unable to provide a copy of verifiable proof. Their response was that the account is accurate, without any hard evidence going all the way back to the ORIGINAL creditor and without verifiable proof. 
On XX/XX/XXXX I sent my second written request to them asking for a description of the procedures used to determine the accuracy of this account. But they did not provide me with any hard copy documentation showing that they properly verified this account and although under Section 611 ( 5 ) ( A ) ( i ) of the FCRA they are required to " promptly delete all information which can not be verified '', they did not delete the account.. 
On XX/XX/XXXX of XXXX I sent my third written request to Transunion, asking them to delete this account if they did not provide copy of any documentation ( hard evidence that goes all the way back to the original creditor, not verification from a third-party database ). Also, they did not provide the method of verification as required under section 611 ( a ) ( 7 ).

Again section 611 ( 5 ) ( A ) of the FCRA states that any information which can not be verified with proper documentation to be promptly deleted. 
On XX/XX/XXXX I sent my 4th written letter to Transunion because the account is still on my credit report unverified. I did not receive copy of any original documentation for this account and no method of verification was provided. 
The account is still on my credit report. 
All my letters have been sent certified mail with return receipt and signature on them. Also all letters were signed by a notary agent before sending them.
Product: Credit reporting or other personal consumer reports

I have reached out to Synchrony bank in regards to many fraud accounts. They refuse to remove any of the accounts from my credit report. The information is linked to a different state I have provided documents to the company multiple times! Im not getting anywhere its so sad that this is the way situations like this are handled in our country. They have allowed for multiple charge accounts to be open in my name and fail to help me absolutely wrong!!
Product: Student loan

In 2021, I consolidated some XXXX loans into a direct loan so that they would qualify for the PSLF waiver extension. One day after the loans were consolidated, my PSLF took place and my remaining balance on all my direct loans was forgiven, except for the new direct loan created from the consolidation. I figured it was a timing issue, but called FedLoan Servicing anyways to verify. The representative said it was a timing issue and to resubmit a PSLF form. I resubmitted the PSLF form and then received a letter stating my remaining balance of payments as 3 more! The letter stated it accounted for all waiver investigations as well. I called and told them this cant be right bc I was already forgiven for other loans, which means I have definitely made my 120 payments and that they have proof of this! The representative was very rude with me and said she could not help me and then hung up on me. I just want this fixed and over with! Ive been paying on these loans religiously for 11 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am writing to dispute the charge off account XXXX that appears on my credit report. I recently became aware of this account and have concerns regarding its accuracy and the impact it has on my credit history. I request that you thoroughly investigate this matter and provide me with a detailed explanation of the account in question. 

First and foremost, I would like to address the nature of a charge off and its implications. A charge off is typically an accounting procedure where a creditor considers a debt to be uncollectible and writes it off as a loss. It is important to note that a charge off does not absolve me of the responsibility to repay the debt. However, it is no longer considered a collectible asset by the creditor and is instead classified as a liability on their books. While I understand the financial implications of a charge off, I believe there may be grounds to challenge the accuracy of this account.

I am requesting that you provide me with the following information regarding the charge off account : Detailed account history : Please provide a comprehensive breakdown of the charges, payments, and any other relevant transactions associated with this account. It is crucial for me to understand the origin and validity of the debt.

Verification of debt : I request that you provide evidence to substantiate that the debt is valid and that I am indeed the responsible party. This includes providing copies of the original signed agreement and any subsequent documentation that proves my obligation to repay the debt.

Compliance with the Fair Credit Reporting Act ( FCRA ) : I kindly ask that you ensure the accuracy and completeness of the information you report to credit bureaus in accordance with the FCRA. Please investigate whether the proper procedures were followed in reporting this account, including any required notifications and validation of the debt.

15 U.S.C 1666B : A Creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

15 USC 1666b ( a ) a creditor can not report late to a consumer report for any purpose to why are you furnishing this false and deceptive information.

5 USC 1666b ( 4 ) ( 5 ) - company failure to provide statement within 21 days is a violation, please remove late payment ; statement shows positive balance instead of negative which is a billing error and therefore no payment was due ( how can I pay on a positive balance )
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX continue to report transaction history to my personal consumer report, violating XXXX XXXX XXXX. None of the XXXX aforementioned credit reporting agencies have received my consent or authorization to report this information. The only exclusion permittable related to transactions is between the consumer and the person making the report. Each of these credit reporting agencies, as of today XX/XX/2024, report XXXX adverse items to my personal consumer report. That is XXXX violations of the Fair Credit Reporting Act by each credit reporting agency listed above.
Product: Checking or savings account

I got my XXXX XXXX consumer report which showed fraudulent checking accounts opened up in my name. This is also reporting on my XXXX XXXX which I need cleared up.
Product: Credit reporting or other personal consumer reports

CFPB- 15 U.S. Code XXXX  1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN
Product: Credit reporting, credit repair services, or other personal consumer reports

In the beginning of XX/XX/XXXX, I had gotten denied for an apartment where I was required to pay XXXX XXXX for the application fee ( XXXX XXXX XXXX is who denied my application for rental ). Prior to this report pull, I was unaware of an eviction ( Case # : XXXX ) dating XX/XX/XXXX being listed on my credit report, which resulted in a XXXX XXXX loss in application fees and denial of the property. After directly disputing with the bureaus, I received no acknowledgement about the dispute when I got my results back from the bureau regarding the judgment, and all other disputed items remain unchanged.
After contacting the local county clerk 's office by mail on XX/XX/XXXX inquiring about the information they share with the credit bureau, they advised me that they do not report to them ; SSNs are not required for a court filing and are refused to handle that type of filing. The eviction was ultimately dismissed, and I owe no balance to the landlord. As such, I request to have this initial filing removed from all 3 reporting bureaus and to notify the public record agency, XXXX XXXX ( where my application for the property was denied ) to remove this derogatory information from all reports.
Product: Debt collection

Ace Cash Express continues to call my business cell phone asking to speak with " Mr. XXXX ''. I have repeatedly told them that this is an incorrect number for " Mr. XXXX ''. I do not know who " Mr. XXXX '' is and I have never personally used the services for Ace Cash Express. I have repeatedly told Ace Cash Express phone representatives that they do not have the correct number and to stop calling me. They continue to do so and the phone reps tell me that there is nothing they can do but put a note in the file. This has been going on for months and months and they will not stop calling me.
Product: Debt collection

I had previously filed a complaint against LVNV FUNDING LLC on XX/XX/year> [ Complaint id # XXXX ] and got a response from a separate company known as Resurgent Capital Services which also violates the Fair Debt Collection Practices Act ( FDCPA ), to be specific, 15 U.S. Code 1692e ( 14 ). In that complaint I have stated that they are claiming I owe a debt and reported it to consumer reporting agencies without giving me, the consumer proper notification of the debt. I stated that I wanted evidence that they followed the procedures of the FDCPA by providing the following ; The green return receipt/card bearing my signature that proves they notified me of the debt 5 days prior to reporting, the purchase agreement, proof they are both licensed to collect and bonded in XXXX  where I reside, all statements of the account dating back to when it was first {$0.00}. To date they have NOT provided any evidence beside a few billing statements. They did NOT provide enough evidence to support their claim which further violates the FDCPA, not to mention the Fair Credit Reporting Act ( FCRA ) as they are reporting an unverifiable account to consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

I file XXXX XXXX XXXX XXXX XXXXXX/XX/year> and was XXXX XX/XX/year>. At the time, I had an account with XXXX XXXX XXXX located in XXXX, XXXX Up until the time of filing XXXX, all my payments were paid on-time. Every creditor that I listed on my XXXX schedule has been updated on my credit report as " Included in XXXX '' except for XXXX XXXX XXXX. They continue to illegally report my XXXX account with them as a XXXX with an outstanding balance of over {$10000.00}. I have disputed this account several times over the past year with all three of the major creditors but XXXX XXXX XXXX keeps verifying this account as accurate. Additionally, I continue to be denied credit because of the " XXXX '' that is reporting on my credit report. At this point, I am ready to file a lawsuit for damages. This is my FINAL attempt to hopefully resolve this matter as the credit bureaus and the creditor are obligated to report correct and accurate information on m y credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 a collection was added to my XXXX credit report by 12 Credit Supreme LLC. I have no affiliation with this company. Per further research, they are reporting a debt belonging to someone else with a similar name living in the same city I reside. 

Supreme Credit LLC continues to " verify '' the debt of someone elses account on my credit report. Said person has a totally differently last name. I now have an " alias '' name reporting to my credit report with a last name and addresses i've never been associated with. 

COLLECTION AMOUNT : {$67.00} In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 12 CREDIT SUPREME LLC has violated my rights.

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 an account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Debt collection

Upon reviewing the files, it comes to the attention that there is an Error information appear regarding about a XXXX, XXXX Account number XXXX with balance of {$850.00} incurred, I have no acknowledgment or given consent permission to anyone in the institution to use my personal information to obtain or open the account, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. Please authenticate and provide any documentation that bears its original owners signature to validate the account within 5 business days, and taken step necessary to remove and delete any account opened under owners personals information without permission. According to Fair Credit reporting act, section 609 ( a ) ( 1 ) your company is required by federal law to verify through the physical verification of the debt balance of the original signed certified consumer contract of any all accounts you request to be posted and or reported on credit report. Within consumer rights to demand a copy of the verifiable, validated proof of an original consumer contract with wet-ink signature on it, copies of copies are not validation and by law are not considered as proof. Under FCRA, unverified, invalid accounts must be Remove upon receipts of this notice within 15 business days.
Product: Student loan

I am currently in the SAVE plan with federal student loans who are managed by MOHELA. 

On XXXX I sent an application to MOHELA to switch from SAVE to ICR as a repayment plan. 

Current guidance from the Department of Education is that accounts who are unable to be switched expediently should be put in a processing forbearance which is eligible for PSLF I called mohela who stated that they would not put me in a processing forbearance, and do not project they will comply with my application expediently ( " XXXX at the earliest '' ) I have tried multiple times to get in writing their rationale for this, but they have skirted around the issue by not answering in writing, asking me to call their office. 

Hold times with mohela " specialist '' range at least 3 hours.
Product: Checking or savings account

The incident occurred on XX/XX/XXXX. While I was at work, I received a notification from my banks app indicating that I had withdrawn {$4000.00} in cash at a bank counter. I immediately called the bank to close my account. Shortly after, I received an email from the bank. Through this email, I identified which bank branch had released my funds to a stranger without my authorization. 

The next day, I visited that bank branch. They processed my case and helped me file a claim. The bank manager also confirmed through camera footage that my money was collected by someone impersonating me. After this, I went to the nearest police station to report the incident. However, yesterday, I received a letter from the bank stating they are denying my compensation request.
Product: Credit card or prepaid card

I was notified by PNC bank that a charge of {$0.00} was made against my PNC Rewards Card by PNC Fraud Alert. I immediately responded that this was an unauthorized charge, to cancel my card, and to please send me a new one. 
I received the new card, but noticed that my credit limit had dropped from {$15000.00} to just {$2000.00}. When I called on XXXX to find out what was going on, I was informed that PNC had " reevaluated '' my credit and I was only entitled to a {$2000.00} Credit Line on this card. This was done with no warning or notification to me. This {$13000.00} removal from my credit line has become a self-fulling prophecy, as this caused my credit usage percentage to skyrocket, lowering my XXXX score and putting me into a lower credit category and damaging my credit. 
I have has this {$15000.00} credit line for at least 4 years. I have been working aggressively to lower my Credit Card debt, as XXXX can confirm. Oddly, I recently received a credit line INCREASE on my XXXX card. A cursory look at my Credit Report will find my payment history as exceptional on ALL accounts. There is only one negative entry on my Credit Report, which is a XXXX XXXX  account that is not mine, and I have been fighting to have removed for more than a year. 
PNC 's own records will show that I have never been late with my credit card or car payments, and always pay in excess of the minimum due. I have even been working to pay down the the principal on my car loan, which PNC itself can confirm. 
So what changed over this month? In XXXX, I turned XXXX. I feel that I have been the victim of Age Discrimination. I have been at the same job for more than 6 years, make well over {$130000.00} a year and am a homeowner, with a mortgage with XXXX XXXX, again, never late, like my car and credit cards, always early and am paying down the principial. In fact, over the last year my Credit has improved. 
I think it is obvious that this massive reduction in my credit card line is related to my turning retirement age. I do not plan to retire, and because of my expertise in Cyber Security, I am in even greater demand that ever before. 
I fully expect retaliation from PNC Bank over this complaint. I have one credit card with PNC, and expect that I can see the credit limit on this one decrease as I continue to pay it down, as well as expect the interest rate on my car loan to dramatically increase. 
To protect myself, I will remove PNC as my direct deposit recipient and open a new account with another institution. 
I have always had a great relationship with PNC up to this point. I have always recommended them as a great bank of choice, but no more. Sadly, this is not the same PNC bank I have enjoyed a wonderful relationship in the past. 
I would also like to add that as of this submission, I have still yet to receive ANY formal communication, written or electronic, from PNC regarding this shameful action. It is only by my own diligence that I avoided an over-limit and the subsequent fees involved. Read into that what you may.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint with XXXXXXXX XXXX XXXX  servicing and XXXX. XXXX seems to think that my complaint is with XXXX so here goes. I have two student loans still on my credit report ( {$3400.00} and {$850.00} ) after my original student loans were forgiven by public loan forgiveness in XX/XX/2022. The Dept of Ed says I have a {$0.00} balance and that is reflected on my student account. The National student loan database says I have a {$0.00} reflected in their database and Federal Student Aid has written a letter that I will attach to this complaint that also says I have a XXXX balance. 

XXXX however believes differently and has taken it upon themselves to dispute my request to erase the two balances from my credit report. Instead they said that two multi million dollar companies tasked with the responsibility of transferring my student loans from one location to another was so incompetent in doing so that it is somehow my issue to solve and have left it up to me to fight for myself. Instead of looking at the evidence they are blaming you XXXX for not successfully transferring my loans. I have also attached a letter from XXXX  Loan servicing that says that my loans were transferred but XXXX knows better than anyone, obviously. I have also attached a document with what I believe are the two loans in questions. Next to them you will see it says they belong to the DEPT of ED and not XXXX XXXX so why is XXXX XXXX  still reporting them? 

I have tried unsuccessfully to contact someone at XXXX. I have tried unsuccessfully to dispute these accounts with the CFPB and both credit unions because XXXX decided to write a letter claiming the loans are valid. I have included their response here. 
" Company 's Response The Office of Consumer Advocacy ( ~~OCA~~ ) at the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX received your recent correspondence through the Consumer Financial Protection Bureau ( ~~CFPB~~ ) portal regarding the status of your student loan account serviced by XXXX XXXX. Please Note : XXXX conducts its student loan servicing operations for federally owned loans as XXXX XXXX on behalf of the U.S. Department of Education ( the Department ). In your inquiry, you requested that your XXXX XXXX account either be removed or updated to report accurately to the consumer reporting agencies since your account was transferred to XXXX. XXXX performed a comprehensive review of your account. This investigation included the review of all relevant account history and documentation, including any information you provided to us. Based on this review, we determined the information reported is accurate. Credit reporting is valid. The Department advised XXXX XXXX to report the loans as normal using the previous transmission prior to the transferring to XXXX on XX/XX/2022. XXXX will have to complete the merge of the tradelines in order for XXXX XXXX to no longer report the loans. '' Please assist me in removing these two loans from my credit report.

Thank you
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 XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXXXXXX Balance : {$750.00} ; XXXX XXXX  Balance : {$3300.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX