23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Hello, I completed my Income Driven Repayment Plan application through the Federal Student Aid website on XX/XX/XXXX, and it was submitted to my loan servicer MOHELA on XX/XX/XXXX. Since then, my loan repayment has been placed on forbearance and later taken out of forbearance due to the major delay on them reviewing my application, which is forcing me to make maximum payments on my loans even though I am eligible for the XXXX plan. Since XXXX, I have been desperately trying to contact MOHELA to understand why this is happening as all I want is my plan to be put in action. I have called MOHELA at least XXXX times since XXXX with each call requiring me to be on hold for 4+ hours, and the two times I actually had someone answer the phone after being on hold for 4 hours, they said that they had to transfer me to their " specialist '' where I was then placed on hold for an additional 4+hours, waiting on hold until their office closed, never getting an answer. Since then, I have tried emailing them which ended in them responding by saying " email responses can not be provided '' and they told me to call their number again. I still continue to try to call their office once a week desperately to no avail which has led me to complain here, please help me. I do not know what else I can do if this complaint does not solve anything, the only logical next step in my mind would be for me to contact a student loan law or consumer protection lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit scores appear to drop significantly by 50 points or more anytime I use a little bit of my available credit. I'm talking about less than 15 % of my available credit. For instance just recently I had a balance reported of {$2400.00} on one of my credit cards to the credit agency and my credit score dropped XXXX points. this is not the first time this has happened. It happened to me about four months ago on the same credit card when I temporarily used half of my credit available on that card for five days and then paid it off. My credit score dropped XXXX points and has never gotten back to anywhere close to where it was before. I pay my bills on time I pay my mortgage even in advance and I keep large balances in my checking and savings account but nothing seems to work with regard to keeping my credit scores up. Now my wife 's credit course never dropped significantly. She's on the same accounts that I'm on and her credit score may change by a point or two but never anywhere close to XXXX or XXXX points let alone XXXX plus points. The only significant difference between my wife and I is that I am XXXX XXXX and she is XXXX. We have been watching this trend for several years and thought well maybe it's just something going on with the credit agencies but I have tried everything and I'm frustrated with the continued dropping of my credit scores far below where they should be. There doesn't appear to be any system in place to help someone like me. I'm just tired of having to take it and having to pay higher interest rates because my scores are low. I need someone to help me.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the continuous reporting of a late open account on my credit file, as maintained by XXXX and Transunion Credit Bureaus. Despite multiple attempts to correct this inaccurate information, it continues to adversely affect my credit profile and financial standing. 

The late open account in question is associated with Credit Bureaus, and it has been inaccurately reported as late, despite my diligent efforts to ensure timely payments and compliance with all contractual obligations. This erroneous reporting has resulted in a significant negative impact on my credit score and financial opportunities.

I have taken the following steps in an attempt to rectify this situation : I have contacted Credit Bureaus, on multiple occasions to dispute the late open account entry and request its removal from my credit report. However, my requests have not yielded the desired results. 

I have provided documentation and evidence to demonstrate that this late open account reporting is inaccurate, including [ mention any supporting documents you have, such as payment records, correspondence with the creditor, or any other relevant proof. 

I have initiated disputes through your bureau, attaching all the necessary documentation to support the legitimacy of my claims. Regrettably, these disputes have not led to the correction of the inaccurate reporting. 

The continuous presence of this inaccurate information on my credit file has not only hampered my ability to access credit but has also caused considerable emotional distress and frustration. It is essential that this matter is resolved promptly to ensure the accuracy and integrity of my credit report. 

I kindly request the following actions to address this issue : Conduct a thorough investigation into the late open account reported by Credit Bureaus and verify the accuracy of its late status. 

Coordinate with XXXX and Transunion Credit Bureaus to rectify this error by promptly updating my credit file to reflect the accurate and timely opening date of the account. 

Provide me with written confirmation of the correction within the exact timeframe from the date of this letter. 

Implement measures to prevent the recurrence of such errors in the future and enhance the accuracy of credit reporting. 

I understand that accurate credit reporting is essential for individuals ' financial well-being, and I expect your bureau to uphold the highest standards of integrity and accuracy in this regard. I am asking for your assistance to correct this late open account : XXXX XXXX XXXX XXXXXXXX Opened XXXX. XXXX, XXXX Balance : {$10000.00}.
Product: Credit reporting or other personal consumer reports

I am filing a formal dispute regarding the negligent noncompliance of Equifax XXXX XXXX XXXX XXXX in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681o ). The entity in question has failed to fulfill its legal obligations under the FCRA, resulting in harm to my credit profile and financial standing. The Equifax XXXX XXXX XXXX XXXX has reported inaccurate, incomplete, or unverifiable information on my credit file. 
Despite my prior disputes, the Equifax XXXX XXXX XXXX XXXX has failed to properly investigate, correct, or remove the erroneous information. 
This negligent failure to comply with the FCRA has caused financial damages, including emotional stress, denied credit, denied homes, and higher interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letters to the Bureaus on XX/XX/2022 regarding me being a victim of Identity Theft. The Bureaus received the letters, according to the tracking, they received the letter by XX/XX/2022. In the letter I included a police report and an affidavit form asking them to please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt. However as of XX/XX/2022 these items are STILL on my credit report. As a consumer I have the right to a credit report that is 100 % accurate. As a victim of identity theft this information should not be in my file.
Product: Checking or savings account

I started receiving emails from Bank of America on XX/XX/XXXX notifying me that I was approved for my new checking account. I did not open the account. I called Bank of America and inquired on XX/XX/XXXX, they closed the account and were to send me the paperwork to start a fraud claim as my social security number was used and I wanted to know how the account was opened without any verification of ID and who opened the account. I did not receive the form that they were to email me. I called again three days later, requested this again. I asked that it be mailed to me, they refused. I visited the branch near my home last week and spoke to the fraud dept again and went through the same exercise. I have never received the paperwork to initiate the investigation, they are not doing anything about it. I am not being protected in any manner.
Product: Credit reporting or other personal consumer reports

Money Lion is showing multiple negative line items on my credit report. Requested that they be updated to to show that accounts were paid in full as agreed. No response. Last request was in XXXX of 2023.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, Experian data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTIANED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EXPERIAN XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A COPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied a auto loan through XXXX XXXX dealership and the dealership told me they were going to run my credit through XXXX XXXX only. The dealership sent my information to other financial companies without my permission. 


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

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have had a PayPal account over twenty years. In the past couple months PayPal has repeatedly asked me for ID verifications and documents to prove that I am legitimate. I have supplied all documents. Recently though PayPal limited permanently my account and HELD over $ XXXX in funds. PayPal is claiming they must hold these funds for 180 days. This is wrong, this is MY money and if they hold the funds that long I will be unable to fulfill orders to my customers and disaster will result. As a compromise, PayPal should release at least half of these funds now, or at least not after 180 days, maybe after say 30 days at the most.
Product: Credit reporting or other personal consumer reports

This collection account has an OPEN status and that is a violation, because a collection is by default a closed account. Delete this account due to inaccurate reporting. 
XXXX XXXX XXXX  # XXXX
Product: Mortgage

On XX/XX/2016 I submitted an {$1800.00} payment to Loancare to be drafted from my checking account. After learning it had not been deducted from my checking account I called LoanCare to check the status. The XXXX told me it takes XXXX business days to draft and it should be fine. Finally, the payment still had not been drafted so I went on the website and contacted Loancare. They told me my account number was wrong (! ) and I was assessed a {$30.00} NSF fee. I explained the history and they said too bad you have to pay the fee. They also indicated that they tried to call me and email me which was a blatant lie as I have both voicemail and fully functional email. They also charged a {$5.00} payment fee to resubmit another online payment. This is a VA Mortgage which when notified did not concern them.
Product: Debt collection

On XX/XX/2021 found that Collection Service was reporting on my credit file in the amount of XXXX I have no idea what this debt is for.
Product: Debt collection

Name : XXXX XXXX Address : XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX : Arizona Zip : XXXX Email Address : XXXX Citibank is the company 15 U.S. Code $ 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 4 business days after the date of receipt.

It has been 30 days and vou are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Vehicle loan or lease

I purchased this car from a dealership and was basically haggled into getting a car for more than what it was originally worth. I was given a ridiculous interest rate and then I found out that the interest is compounded. So for a car that is actually only worth XXXX I am going to end up paying 25,000 give or take. The original car loan was for around 11,000 plus the warranty. The dealership and the place that approved my loan some how came up with to horrific numbers that are now haunting me every two weeks just so that I can get caught up from being out of work and missing One and a half payments when I XXXX XXXX and XXXX XXXX XXXX I have been paying multi-payments per month for over a year and for some reason my balance never goes away. I am struggling to make ends meet because of this car that I was suckered into buying at a price that is not what I deserve to be paying. the early buy out is still at XXXX, which is more than what the car is worth and no one will refinance or trade in. I have already spend over that much since purchasing the vehicle in XX/XX/XXXX. My original payments were set to be XXXX per month and I am now paying XXXX every two weeks and the balance is not going away like I feel that it should. They are basically saying that I am still two months behind when I only missed one full payment over a year ago. I really need help with getting this taken care of and hopefully lowering my payments. Please help me as well as you possibly can.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, and XXXX  are reporting XXXX XXXX XXXX as a duplicate account 7 times on my credit report! That is a clear FCRA violation and they refuse to investigate for accuracy and it's hurting my credit rating!
Product: Credit reporting or other personal consumer reports

This account was Charged off XX/XX/XXXX  which per the FCRA, the debt is no longer owed to the creditor and they will receive a tax-write off. The debt has been sold which is against the FCRA. I requested a 1099c to submit to the three credit reporting bureaus so that the account can be removed from my report, to which I have not received a response or the 1099c. Per the IRS 1099c guidelines, specifically event code 7 explicitly states that this debt is to be canceled which would have the debt removed from my credit report. 

In addition, the creditor, although this debt has been charged-off, they continue to report the account as " charged off '' each month for the last 6-months. This is in violation of the FCRA. Continuing to report the account as " charged off '' each month is 1 ) illegally re-aging the account, 2 ) inaccurately reporting to the three credit bureaus, 3 ) creating varying activity dates across the three credit bureaus. All three issues are in violation of my consumer rights to accurate reporting per the FCRA.
Product: Credit card or prepaid card

I applied for a card from Barclays bank and was denied. They didn't even pull my credit to consider my application. They sent me a letter claiming I used to have an account with them that was charged off, but that isn't true. I pay all my cards in full and have always done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a dispute against XXXX, TransUnion XXXX XXXX consumer credit reporting agency, for their violation of my right to privacy and their unlawful furnishing of data onto my credit report without my written consent on XXXX XXXX XXXX  Acct # XXXX According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i credit reporting agencies like XXXX, TransUnion XXXX XXXX are required to obtain written consent from consumers before furnishing their data to third parties. However, I have recently discovered that XXXX, TransUnion & XXXX has furnished data onto my credit report without my written consent, which is a direct violation of my rights under the FCRA. 

Furthermore XXXX, TransUnion XXXX XXXX has not been transparent about the data that they have furnished onto my credit report. They have failed to provide me with a clear and complete disclosure of the nature and scope of the information that they have collected and disseminated about me. 

As a result of XXXX, TransUnion XXXX XXXX actions, my privacy has been violated and my credit report has been negatively impacted. I have suffered financial harm as a result of XXXX, TransUnion XXXX XXXX unlawful furnishing of data, which has caused me to be denied credit or to receive credit on unfavorable terms. 

I am requesting that the Consumer Financial Protection Bureau investigate XXXX, TransUnion XXXX XXXX for its violations of the FCRA and take appropriate action to ensure that my privacy is protected and that they cease all unlawful furnishing of data onto my credit report without my written consent Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I see that the same account was erroneous. The 3 credit Bureaus are required to authenticate this account. ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable account below : XXXX XXXX XXXX XXXX : {$12000.00}
Product: Credit reporting or other personal consumer reports

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC XXXX regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : Untitled Account Number : XXXX and list of Inquiries. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX, 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 a account without my written instructions