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

I am writing to express my deep concern regarding several disputed accounts on my credit report. I have repeatedly raised the issue of inaccuracies in these accounts and have consistently requested thorough investigations. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a hard inquiry listed on my credit report, which I did not authorize. The inquiry is significantly impacting my credit profile and it was conducted without my consent or knowledge. 

Details of the Inquiry : Date of Inquiry : XX/XX/year> Company Responsible for the Inquiry : XXXX XXXX XXXX I have no relationship with this company, nor did I apply for any services or credit that would require this inquiry. I am concerned that this unauthorized action may be a result of identity theft or an error. 

The presence of this inquiry is negatively affecting my credit score and potentially harming my financial opportunities. I am requesting that this inquiry be investigated and removed from my credit report immediately as it was not authorized.
Product: Checking or savings account

I have an account with Wells Fargo which can not be closed and the reason is the company will not answer calls from me when trying to close this account. I have been trying for several months and have decided they are doing it deliberately. Now They say I am overdraft but I shouldn't be, as I had no option to close the account in XXXX, OK as there are no locations here.
Product: Debt collection

I disputed this account because it is clearly inaccurate on my credit. I sent the letter to the address reported to my XXXX report just a few months before. That address is incorrect and the mail was returned to me, thus infringing this consumers right to dispute the account, which is a violation of the FCDPA. They then received my mail after I found their proper address to dispute the account, rather than deleting the account due to the clear inaccuracies as required by the law, they sent me private medical billing information through the mail, and it could have been opened by anyone! They have violated the FCRA, FDCPA, and my rights according to HIPPA. I demand resolution to this matter! I have already complained here once, please help me resolve this matter quickly!
Product: Student loan

In order to qualify for the expanded public service loan forgiveness law, I consolidated to a direct loan servicer. I consolidated to a direct loan with Mohela. Consolidation was complete in XX/XX/2022. I also sent in a PSLF application in XX/XX/2022 to be considered for forgiveness after consolidation was complete. The application has been processed, yet according to MOHELA I have XXXX qualifying payments. 

I called my previous loan servicer, XXXX, and they told me that my entire payment history was sent over to Mohela at the time of consolidation with Mohela. However, Mohela account shows that I have no qualifying payments. I have been paying my student loan for over 20 years, on time, each and every month. In fact I have paid at least a month in advance. There is no doubt I would meet the 120 qualifying payments to fulfill the PSLF criteria but it seems like Mohela will not credit me with my payment history. This was the whole point to consolidate with Mohela, to be eligible for forgiveness. 

I have called and called Mohela just to be sent on an endless loop of automated information at the end of which the call just hangs up. I was able to get through to wait for a representative only to hold for over two hours to speak with someone, who while was nice could not help me. She transferred me to a supervisor. I waited an additional 4 and a half hours but no supervisor ever materialized. I spent over seven hours in the phone with absolutely no help. I have also sent messages through my online account. No response. 

It seems that Mohela has a vested interest in not providing forgiveness, as evidenced by their recent action is Missouri to stop the other forgiveness law. But Mohela should be accountable to those loans they service and if I meet the eligibility requirements I should be given loan forgiveness. Again the only reason I consolidated with Mohela was for the purpose of PSLF law.
Product: Debt collection

15 U.S. Code 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. This company is in violation and performing an infringement upon a consumer 's right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been an XXXX XXXX XXXX XXXX member for over XXXXXXXX XXXX. I've never been late on payments and have paid down balances in excess of {$8.00} XXXX My account has been reported XXXX XXXX  overdue and delinquent for an amount of {$38.00}. I reached out to the credit card company to ask that the late report be waived. I had not used the card since XX/XX/2022 and was not aware of the remaining balance. I paid the full account balance of {$38.00} as soon as I was reminded, but XXXX informed me that the last payment would still be reported to the credit reporting agency. I feel as though this is unfair based on my payment and credit history with this company. I am requesting to have the delinquent status removed from my report ( across all XXXX agencies ).
Product: Credit card or prepaid card

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The Credit Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Student loan

I have XXXX checks ( over XXXX XXXX ) to Moleha that have been cashed and not deposited to my account dating back to XXXX for my student loans. I have been calling and contacting Mohela since XXXX of XXXX about this via telephone ( originally was contacting via portal and not getting anywhere ). I have talked over to XXXX managers and no resolution. Each time I call there is not follow up or follow through. I have submitted over XXXX complaints via XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they have been closed without any resolution.
Product: Credit card or prepaid card

Im trying to navigate through chases convoluted dispute process. 


The number on the back of my card didnt worm this morning XXXX XXXX XXXX I called twice around XXXX XXXX  and I put in my 16 digit card number before being met with heavy static & line noise before a robot told me to call back later. 

No problem I thought Ill just dispute it online. Well chases online dispute is conveniently missing several key areas. They only have I was still being charged and I was charged wrong amount. Neither of these apply to my situation, yet every phone rep I talked to later that day encouraged me to dispute online rather than wait to be transferred. 

All in all I must have put my card in 6 times for verification between my 4 phone calls to get this done. Finally reached a dispute person, she took my statement, then told me she couldnt handle it and had to transfer me to a specialist! At this point Im getting frustrated. 

She transfers me and the specialist is practically starting over from scratch! Repeating everything I just said and asking me to confirm every last detail which normally would be OK but what a complete waste of my time talking to the first agent! 

I need a direct number next time to reach a dispute specialist or an address to write to without getting passed around like a rag doll! 

I talked to XXXX a manager in the disputes department and XXXX in the disputes department. Neither of them were able to help me. XXXX kept telling me because I accepted a gift card from them that I cant do a dispute. I tried to use the gift card with their price match policy and I had lots of difficulty doing so, at one point they tried to kick me out of the store, at this point I just want my money back. 

I did find it strange that XXXX encouraged me to close my account and immediatly transferred me when I told him " why dont I just close my account ''. 

I need a direct number for a dispute specialist or an address to write to next time. This whole process just makes my head hurt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I asked Equifax to conduct an investigation regarding a unrecognized item on my credit report, as I found inaccurate, incomplete, and questionable items that was not 100 % reporting accurately. I sent Equifax a dispute letter XX/XX/22 in regards to the XXXXXXXX XXXX account, as well as various inaccuracies and incompletions that were reported. This account does not belong to me. They have failed to respond within a timely manner of 30 days. I am depressed that no response has been given, especially being that there are various credit reporting violations associated with this account. It is plainly stated in FCRA laws that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; 15 USC Section 611 ( a ). The credit bureaus are supposed to complete all investigations before the expiration of the period ; 15 USC Section 623 ( 9 ) ( b ) ( 2 ) ). It has exceeded well over 30 days, and this creditor will not comply with any form of response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report XXXX 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft and I never opened this account. 
Please remove this inaccurate information from my credit report. 

XXXXXXXX XXXX XXXX I am a victim of identity theft and I never opened this account. 
Please remove this inaccurate information from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

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

Hello, my name is  XXXX   XXXX  and the problem I 'm having with experien is  XXXX  accounts on my credit report are wrong  XXXX  of them are public record and I 've paid them out already and the other  XXXX  are hospital bills that my insurance has already covered and eventhough I 'm disputing the public record I ca n't dispute the other  XXXX  hospital bills because there 's no account number on the other  XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I attempted to dispute inaccurate information ( XXXX accounts ) regarding my student loans reported by U.S. Department of EducationXXXX . Experian stated they have contacted the company ( US Department of EducationXXXX ) reporting the information I disputed, supplied them all relevant information that determined their response to my dispute. 

On XX/XX/XXXX, I attempted to dispute ( again ) the inaccurate information ( XXXX accounts ) being reported from US Department of EducationXXXX . Experian responded that all accounts associated with XXXX was verified, accurate, and updated.
Product: Student loan

After school I was out of work, robbed XXXX, and hospitalized being in a low income community I didnt get the help I need to recover as far as XXXX .y XXXX  was most up suffering from XXXX years later I managed to pull myself back together before I got XXXX I would call nelnet and set up hardship payments but after I wasnt in the right space XXXX so when I tried again I was informed that the debt has been deferred charged off now I'm working with the third party company they sold the debt to to get back on track.
Product: Student loan

I went to XXXX  XXXX XXXXXXXX XXXX XXXXXXXX from XXXX. I racked up over {$100000.00} of private and federal loans. XXXX  XXXX  XXXX promised us they would become accredited which never happened, and left me high and dry after i graduated with no support for finding a job. 

The Department of Education recently found XXXX  XXXX XXXX of fraudulent and exploitative practices and discharged my federal loans. 

Navient services, my private loans. I have called them numerous times over the years, asking for my private loans to be discharged, and my money returned due to multiple attorney general and legal investigations proving that they are literally servicing fraudulent lo I want all of my money to be paid back to me from Navient, and all credit reportings are annulled. This company has ruined my adult life and continues to take my money and thousands of other students who were duped. They are complicit in this fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

i filed a complaint with you approx 2 mos ago regarding transunion. they responded immediately and stated they would fix the problems with my credit report. they have not done anything and everytime i try and communicate with them they send an email stating they cant find me in system its always same email. then i received an email from transunion saying they agreed their were numerous errors on my report and they have done nothing to correct them now they have stopped me from trying to log into their website. they continue to try and charge me for any service and now i am getting third party emials from companies wanting to sell or loan on their disclaimer it states transunion gave them my information which i never authorized them to do. i have tried over 15 times  in the last two months to get a simple cc and have been denied in whole or part due to transunion credit report. i am attaching a credit report from them i got on XXXX nothing on their is correct
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my right. 
15USC 1681 section 602 states I have the right to privacy 15USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions.

15 USC 166B : a creditor may not treat a payment in credit card account under an open in consumer credit plan as late for purpose.
Product: Debt collection

These people called me regarding a XXXX XXXX card that I told them I had no knowledge of. I mailed a validation letter on XX/XX/XXXX it was signed for on XX/XX/XXXX and 30 days later I still dont have a response. This is very frustrating because at the time this account was opened I was in boot camp I also sent them documents proving that but still no response. XXXX XXXX is trying to collect {$430.00} from me and couldnt even validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Re : Trans Union Account File Number XXXX I contacted Tran Union XX/XX/XXXX, XX/XX/XXXX U.S. Mail and requested that following inproper inquires be removed from my credit report as a result of identity thief : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX shows that I incorrectly owe {$11000.00} this transaction should be also completely removed from my credit report, yet Trans Union refuses to remove These above are identify thief see attached documents. I paid off XXXX XXXX XXXX   XXXX in XX/XX/XXXX I do not owe XXXX anything yet my credit report still reflects that I owe money on this account. It should say account is paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX account beginning with XXXX have 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

In XXXX 2017 I noticed an account on my credit report that had an error and asked verification of debt from XXXX, and XXXX. Because they could not verify the debt the account was removed from the report. Then another company, Portfolio Recovery, bought that same debt and reported it to XXXX  and XXXX without sufficient verification of the debt. Once again, I wish for it to be removed.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported to be removed.

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

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

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

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

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I have XXXX accounts with US Bank Account XXXX business XXXX personal account My online banking was compromised and transfers and internal wires were made see screenshot. When I logged in I could see these were not authorized. The internal transfer was made with a card ending in XXXX. This is FRAUD
Product: Debt collection

i, let my family member get service with XXXX several years ago. they ran up a bill .i did n't know until collection agency sent letter .after the second XXXX i payed a settlement. now the third XXXX wants more money.
Product: Credit reporting or other personal consumer reports

After carefully reviewing my credit report, I found several violations of the Fair Credit Reporting Act. 15 U.S. Code 1681a - Definitions ; rules of construction section ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Late payments are considered to be a transaction. 15 U.S. Code 1666b - Timing of payments section ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) 1 ( b ) Opt out the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was not given the option to opt out of having late payments post to my report. I currently show late payments of the following accounts : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XX/XX/XXXX I have made serval attempts to try to get this matter resolved. Further violation of my rights will result in legal actions. I also have a right to privacy.
Product: Debt collection

At the time I consolidated and thought the law office took care of it. When I noticed that American Eagle was still charging me even when the account was closed.