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

I reviewed my consumer reports and noticed that I had one late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account. I have included a screenshot inside this complaint in on dates of XX/XX/year>. Please investigate and provide proof with statements showing that this payment were late. If no proof can't be provided I demand this payment to be updated to paid as agreed on time as they should be due to the fact that I was never late. Thanks! Please see screenshot attached
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I purchased a XXXX XXXXXXXX from a car dealership. Signed the paperwork and contracts XX/XX/XXXX and took delivery of the XXXX a few days later. 

On XX/XX/year> I notice 3 credit monitoring alerts on my credit report that I didnt recognize or remember giving any type of authorization for. 

Only XX/XX/year> Im notified that my loan wasnt approved and they would like to send a tow truck to come pick the XXXX XXXX up I bought to commute for work and they would send me a check for my {$4500.00} down payment. 

It is now XX/XX/year>. Im still in possession of the XXXX. I have not received a check for {$4500.00} and/or have I received any type of settlement offer or solution to this issue that would help me in any type of way. I have multiple hard inquiries on my credit report I never authorized that are effecting my chances of even having an opportunity at another auto loan.
Product: Money transfer, virtual currency, or money service

There is a law suit regarding XXXX transfer money apt . There was no security warning when transferring money to wrong person and I was not able to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Account I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on the account is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX XXXX : {$7900.00}
Product: Credit card or prepaid card

I was a customer of XXXX XXXX  " XXXX '' and had a store credit card. 
XXXX XXXX of 2017 I had made a purchase in store of Christmas gifts to give. 3 days later I returned to the store to return the items because they were not something that could be worn by the person I was gifting them to. The employee in XXXX returned my items and failed to credit my account, therefore increasing my debt substantially. I had noticed on my statement that it was not credited and I was paying interest on a dollar amount that was not correct, after sending letters of dispute to the proper parties many failed tries to correct the problem the balance kept growing in fees penalties and interest. My last check into the balance was XXXX dollars, but after the return of items It should have been lower. I had made purchases totaling XXXX and happily was making payments before this problem. I was penalized with fees and interest on a dollar amount nearly double what was actually spent, XXXX failed to help fix this, I had disputed it many times to no success only being told I owed the amount and nothing could be done to help me. Now the account is closed and was sold to a collection agency named Portfolio Recovery
Product: Credit reporting or other personal consumer reports

To whom this may concern my name is XXXX XXXX and this statement is being composed by me. Per the Fair credit reporting act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B permissible purpose of consumer reports. I demand the removal of the following accounts and incorrect information : XXXX XXXX XXXX XXXX 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

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXXXXXX 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 XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following inaccurate information on my credit report as per my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). The information listed below is incorrect and does not reflect my true credit history. 

Account Information : Creditor : XXXX Account Number : XXXX High Balance : XXXX : {$2600.00} Experian : {$0.00} XXXX : {$1600.00} Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian and XXXX ) Balance Owed : {$0.00} Closed Date : XXXX : XX/XX/XXXX Experian : -- XXXX : -- Account Rating : XXXX : Paid Experian : Paid XXXX : Derogatory Account Description : XXXX : Home Electronics Sales and Service Experian : Television/Radio Sales and Service XXXX : Television/Radio Sales and Service Dispute Status : Account not disputed Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : XXXX : Payment after charge off/collection, Canceled by credit grantor Experian : Account has been closed due to inactivity, Unpaid balance reported as a loss by credit grantor XXXX : Paid charge off, Accounts closed by credit grantor Payment Amount : {$0.00} Last Payment : XX/XX/XXXX ( TXXXX and Experian ), XX/XX/XXXX ( XXXX ) Credit Limit : {$1500.00} Account Type : Charge account Discrepancies and Inaccuracies : High Balance : Inconsistent reporting of high balance. 

XXXX : {$2600.00} Experian : {$0.00} XXXX : {$1600.00} Date of Last Activity : Discrepancies exist between the last activity dates reported. 

XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Date Reported : The dates reported are inconsistent. 

XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Account Rating : Inconsistent reporting of account status. 

XXXX : Paid Experian : Paid XXXX : Derogatory Payment History : Inconsistent and incorrect reporting of payment history. 

Supporting Documentation : Enclosed are copies of my credit report from each bureau highlighting the inaccurate information, along with any supporting documents for verification. 

Requested Action : I request that the inaccurate information be corrected or deleted from my credit report. Please reinvestigate this account and send me an updated copy of my credit report reflecting the corrections.
Product: Checking or savings account

On XXXX XXXX XXXX, {$10000.00} was fraudulently transferred from my wifes and Is joint checking with USAA. One transfer was for {$900.00} and the other {$9100.00}. 
My wife contacted USAA the same day to dispute the charges and USAA opened an investigation. 

On XXXX XXXX we were contacted via phone from a USAA fraud investigator. The investigator explained to us that on XXXX XXXX someone went on USAAs website ( usaa.com ) and using only my wifes phone number was able to gain access to our accounts. This person logged in everyday until XXXX XXXX, when they transferred our money to an external bank account. 

The fraud investigator claimed USAA has not evidence of fraud and refused to return the funds to us because the person who accessed our accounts used a phone number is listed in USAAs system as being associated with us. 

First, my wife and I only access our bank information via the USAA app, because the app is directly tied to our personal devices and requires a pin number every time we access it. Accessing our accounts via the website from devices not associated with us should have raised suspicion. 

Second, the person who accessed our accounts from the website, not a phone call. My wife and I never use USAAs website and if we have banking issues that can not be addressed via the app we always call, per USAAs own guidance. Someone accessing our accounts only from website, not the app and not with a phone call, should have raised suspicion. 

Third, the {$10000.00} transferred from our accounts were clearly done in a manner to avoid having to do a Currency Transaction Report which should have raised suspicion by USAA and the financial institution that received the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT IS SHOWING THAT STILL OPEN ON MY CREDIT REPORT, WHEN THIS ACCOUNT IS CLOSED SINCE XX/XX/2018. 

THIS IS MY SECOND DISPUTE USING CFPB AND THAT ACCOUNT XXXX XXXX XXXX XXXX XXXX IS STILL REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT THIS INACURRATE ACCOUNT IS AFFECTING ME FROM GETTING ANOTHER LOAN
Product: Credit reporting or other personal consumer reports

I signed up for a Costco Credit Card from CITI and NEVER activated the card. 

Costco then charged my annual membership to this card, without my knowledge or permission. 

I failed to pay for the membership on the card, that was NEVER activated. 

I later paid the charge, but they still placed a negative mark on my credit report, CITI ( opened XX/XX/XXXX ). 

I want this removed because I plan on buying a house and do not want this to count against me. 

I disputed the charge twice ( XXXX and XXXX ) through XXXX and called the credit card CITI but could not get it resolved. This is the first and only negative mark against my credit. 

I would appreciate any help you can provide. 

Thank you, XXXX
Product: Checking or savings account

I opened a checking account with Chase Bank on XX/XX/19 with a {$200.00} bonus promotion. In order to get the advertised bonus account holders must have direct deposit totalling at least {$500.00} within a month. After satisfying this provision, chase advertises the delivery of the {$200.00} bonus applied to the new opened account. I satisfied the direct deposit requirement within the month upon opening but never got any bonus applied. I visited the bankers multiple times to no avail.
Product: Student loan

In 2013, I started working for a public school and learned about the loan forgiveness program. I called Navient ( my student loan servicer ) to consolidate my loans to qualify for loan forgiveness. They said that their income based loan would qualify me for the loan forgiveness program. I consolidated my loans, and AGAIN asked " does this qualify me for loan forgiveness program? '' They told me, " I was all set! '' They also stated that there was no form to submit for loan forgiveness until I completed 120payments over 10 years so I did not follow up sooner. Recently, I called to check in around this, and was informed that I WAS NOT in the loan forgiveness program, and that I needed to consolidate my loans through the US department of ED. I was furious!!!!!! I have been paying for 4 years and was misled by this company completely!!!!!!! Now I have consolidated my loans through the US department of ED in a direct loan, and have ONE payment toward my 10 years. This is so wrong by Navient and I am devastated!!!!!!! I just lost 4 years of payments. I will fight for that to be forgiven. They mislead me completely!!!! Please help me resolve this issue. I feel so violated ... I have never been late on my loans, I want those loans to count toward loan forgiveness-I have done right by my student loans. Navient was dishonest, and misled me ... 

Sincerely, XXXX Sincerely, XXXX
Product: Mortgage

Since XX/XX/2019 I have been attempting to get my loan modification with Mr.Cooper. unfortunately they have continued to delay and stall all of my attempts. I will first get letters stating that they have ALL docs. Then later I need to resubmit the entire packet over again. I have been getting this same run around for now 4months. The most recent stall tactic was on the XXXX of XX/XX/2019. While my case was in underwriting, they paused it again for the 8th time. Staing now they needed a legible 1099? When 4 months ago it was acceptable!! Then prior they said the IRS form for my 1040 was never received!!! I took days off of work, just to get to the IRS to be told that the IRS did send requested Docs. I lost my day salary and to add injury to insult this FHA loan was sold to XXXX XXXX after XXXX of XXXX. Still NO MODIFICATION. THIS IS against RESPA and HUD. I also had HUD to make contact with them and I was assured that my modification would be completed. Once HUD closed my case based off of mr Cooper, they reversed everything and I am back to getting absolutely nothing done. Can you please assist me with this. I lost my second source of income and get no other funds only my job income.XXXX   mouths to feed ect. And don't want to lose my home waiting on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I began my XXXX studies with the University of XXXX XXXX, CA and completed this program in XX/XX/XXXX. 

I began my XXXX  studies in XX/XX/XXXX with University of XXXX and completed my XXXX  studies in XX/XX/XXXX. 

I was also enrolled at the University of XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX, for the for their XXXX  level XXXX XXXX XXXX XXXX, these credits were later applied to a XXXX degree in XXXX XXXX with the University of XXXX in XXXX of XXXX, I completed this program in XXXX of XXXX. 

During this time frame I used part of my G.I. Bill for these programs along with student loans. I had a series of health issues that were not resolved while on XXXX XXXX that were later compounded that required me to request a deferment/forbearance of my student loans due to my inability to work. Some were granted to my knowledge whereas others were not, which I continued to resolve. 

Upon careful review and further evaluation by the VA my XXXX rating was increased to 100 %, which qualified me for the Total and Permanent Disability ( TPD ) program for my student loans. 

On XX/XX/XXXX DOE directed XXXX XXXX and XXXX XXXX XXXX to suspend collection activities on my student loans until they could determine my eligibility for discharge. Effective XX/XX/XXXX, the DOE had approved my discharge of the federal student loans on the basis of my XXXX  and XXXX  XXXX. 

In closing from the very beginning my student loans were never properly reported, some start dates began before I was even enrolled in school, which I attempted to address with XXXX XXXX. To my knowledge this was never corrected. 

Additionally, I have 24 trade-lines ( student loans ) that are listed as late or in default in excess of 120+/180+ days. In addition to these issues several of these same accounts have exceed their legal reporting periods of seven years, with multiple that are over 10 years. In previous communications via letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, XXXXU.S. Department of Education is in violation of Section 623 ( a ) ( 2 ) of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX  XXXX Date Opened : XX/XX/2005 Balance : {$14000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

Hi Madam/Sir This Complaint are against TransUnion. I had pull a Credit Report and noticed that ; 1 - TU records show XXXXXXXX XXXX XXXX XXXX ( the payment plan with creditors were completed ) within updated date XX/XX/2023. 

I was not approved for an XXXX XXXX on XXXX by XXXX XXXX  based on information from TU, " XXXX proceeding, credit counseling or creditor settlement '', well, this phrase are present sentence! Looks the TransUnion representative should always read and share the correct information on records to XXXX XXXX or any other Credit Institution. I believe my Credit were affected. 

Honestly I don't know what actions CFPB can or may do against TransUnion, one thing I wish are XXXX to become more careful sharing information. 

Sincerely XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

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 XXXX XXXX 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

On XX/XX/21 I sent a letter regarding inaccurate and misleading items on my credit report. As of today, over thirty days later, I have not gotten a response regarding the items I have disputed. In accordance with the Fair Credit Reporting Act Section 611 A ( 15 U.S.C. 1681I ) it clearly states a failure to investigate these items within thirty days gives a reason to immediately remove these items from my credit report. I demand these items be removed promptly in accordance with the law. My information was also impacted by the XXXX  data breach and could have fallen into the wrong hands.
Product: Credit reporting or other personal consumer reports

LNV LLC FUNDING has been on my credit report for 3 years and no idea whos this is, Ive tried calling people about getting this fraud and other fraudulent accounts on my account removed but Im either asked for money or told its accurate when its not. Someones clearly took control of my social and used it until my score has dropped terribly. This was open XX/XX/year> and Ive disputed twice with no luck. I want this all off my credit its not fair I am suffering because someone used my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I noticed there were several inquiries on my credit report. I have made the bureaus aware of this and informed them these inquiries were made without my consent, knowledge, or authorization. I have sent out letters recently and have tried on several occasions to resolve this issue with the companies and banks. I have also sent out letters to the credit bureaus. 

I am hoping you are able to help rectify this issue, as it's frustrating and challenging to be a victim of any company 's fradulent and unethical practices.
Product: Payday loan, title loan, or personal loan

Mariner Finance refuses to correct their consumer credit reporting. I have tried several times to resolve with them directly but have not received any follow up about their actions and have not seen a change in my credit reports.
Product: Checking or savings account

KeyBank froze my accounts on XX/XX/year> and never gave me an explanation why. This includes checking account, money market account, credit card, a commercial line of credit and online access to all of them. I have been in contact with the branch manager, and all the response I got ( verbally only, never anything in writing or email ) is that the case is being investigated by " Corporate ''. This is causing me a long list of financial problems and hardship, as this was my main bank to conduct several real estate business initiatives; including rentals, mortgages, rehabilitation projects, utilities, etc. Other than branch representative I have tried contacting their customer service representatives, their fraud department hotline, etc. and nobody can answer. On top of that, they are assessing me a late payment fee for non-payment of interests on my commercial line of credit, when I can not make any payments since it is frozen. It has been over a month of this now, and they are not even answering my emails or phone calls anymore. 

I already placed a complaint about this, and they just issued a response that are " still working on it ''. It has been almost two months, and this is the same response they gave me. Still they can not say what the problem is and they are causing enormous financial hardship. I do not even know for how long this situation is going to drag, making it impossible to plan any projects or finalize the ones currently in progress. I do not believe the Bank has any intention to help at all and they are probably benefiting from keeping my money captive. They are even charging me very high interests for money I can not even use.
Product: Credit reporting or other personal consumer reports

As A Federally Protected Consumer, I'm Exercising My Consumer Rights to have Resolved Inaccuracies and Unfair Activities in concern with my Credit Reports. I Am Requesting to OPT OUT of ANY and ALL authorizations I the Consumer may have given you written, non-written, verbal and non verbal per 15 USC 6802. I'm Rescinding that Authorization per 15 USC 6802. According to 12 CFR 1016.7, states that a consumer may Exercise the Right to OPT OUT at any time. According to the Fair Credit Reporting Act, 15 U.S. Code 1681- Congressional findings and the statement of purpose. Accuracy and Fairness of Credit Reporting the Congress makes the following findings : 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. This is effective immediately and indefinitely. I have attached to the report a copy and circled the Inaccurate Findings on My Credit Report with EXPERIAN, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete all inaccurate items that are not verified as I did not establish any of these items with my person or gave any permission for anyone to represent me to access my file.