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

Please see previous CFPB Complaint # : XXXX and review the additional documentation that further supports my claim that my credit being run by Bank of the West was unauthorized. Ive attached a copy of the pre-approval letter from my credit union, XXXX XXXX XXXX ( who currently finances my vehicle ), as well as a letter from XXXX XXXX XXXX admitting my credit was ran in error. There was no reason for Bank of the West to run my credit due to having already secured financing through my own credit union. 

I am requesting that Bank of the West remove the hard credit inquiries from my XXXX  and XXXX credit reports. 

I will pursue legal action, if necessary, to request the inquiries be removed from my credit reports.
Product: Credit card or prepaid card

I applied for the XXXX Credit Card earlier this year, but once I received the card and read the terms, I decided not to take the card and never activated it. XXXX has been sending me monthly statement saying I owe them for an activation fee and for interest on the activation fee. They are now stating that I owe them {$9200.00}. I never activated the card or set up an account and to be able to send them any information online I have to set up an account, which I don't want to do.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed I have fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; 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 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

EXPERIAN Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

TRANSUNION I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Product: Credit card

I have had a card since XXXX my available credit was {$21000.00} and at the time my total account balance was {$11000.00} this was back in XX/XX/XXXX. I made my payment on XX/XX/XXXX when my payments are due on the XXXX of each month. I have never been late nor have I ever made the minimum payment it was always much higher. In XXXX I received a letter that they reviewed my XXXX credit file and decided to reduce my credit limit to {$11000.00}. Give me {$800.00} available credit. This negatively impacted my credit score when made it seem as though I'm maxed out on my card. After the stress and worry made me sick and hindered my day-to-day living I finally accepted there was nothing more I could do. My score started to go back up. In XXXX I set my account on auto payment and had to stop auto draft in XXXX because my funds were low. I had to delete it because I was changing the amount. So the month of XXXX I forgot that I had deleted my autopay and I paid my bill on XX/XX/XXXX. ON XX/XX/XXXX I received a letter stating that they had reduced my credit to {$9300.00} leaving me available credit of {$200.00}. I have auto drafts that come out in that card that total {$300.00} that I have had to move around made my credit scores drop XXXX points my credit utilization go up looks like I am over my credit limit and said it was due to the XXXX report. I have tried to reach out to Citi Bank to talk to someone about this and get nowhere again. I even called XXXX who can not pull up my reports from when this all started back in XXXX. This is affecting my life my health and my sanity. Since XXXX I've paid my balance down almost {$3000.00}. And If I had known my available credit was going to this low I never would of charged this much on this card, to begin with.
Product: Credit reporting or other personal consumer reports

To : Trustee and CFO of CREDIT ACCEPTANCE CORPORATION XXXX XXXX XXXX XXXX XXXX - complaint is that there is a Breach of Trust and unauthorized use of the name XXXX XXXX XXXX, as you do not have legal nor lawful consent to use the NAME without having received signed Social Security Administration form SSA-89 which constitutes identity theft. You are also securitizing the note that was created by the NAME without FULL DISCLOSURE and sharing the goods generated by the use of the NAME. Do not make Merchandise of your 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 

YOU HAVE STOLEN THE NAME AND USED IT IN A WAY THAT BENEFITS YOU and NOT THE BENEFICAIRY WE MAKE AN EQUITABLE CLAIM IN THE NAME AND ANY ASSETS ATTACHED TO THE NAME ADMINISTERED BY CREDIT ACCEPTANCE CORPORATION
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank your for taking the time to read this letter. I am writing this letter because I noticed that my most recent credit report contains a late payment reported for XX/XX/XXXX for my Wells Fargo account. 

Wells Fargo has not been helpful in processing my request. I have not received any information or even confirmation of whether or not they have even received my inquiry. I faxed the required documentation as agreed to the Wells Fargo institution on XX/XX/XXXX and they have yet to give me the necessary answers regarding my request. Ive been a diligent customer with the institution since XXXX and the lack of service I have been subjected to has been a terrible experience for my family and I. 

I want the record to show that I am fully aware and understand my financial obligations, and if it werent for a slight oversight then I would still continue to have an excellent payment record. It was brought to my attention by Wells Fargo that the bill wasnt paid in full for the month of XXXX and as soon as I was made aware of it, I made sure to make the payment immediately in that moment when it was brought to my attention. But it seems that Wells Fargo still took it upon themselves to have still submitted this to the credit bureau anyway despite my immediate payment after being informed by the institution of the issue. However, I can assure that something like this wont happen again because I have placed the payments on autopay going forward to prevent this from ever being a future occurrence. In previous months, Ive even taken the initiative to pay back double what was due as the records will show and prior to this honest mistake, Ive never missed a payment with the Wells Fargo institution, or any other institution for that matter, for as long as I have been in business with my creditors. 

Ive recently gotten engaged and my fianc and I intend on applying for a home mortgage but its come to my attention that the missed payment on my record could affect my ability to qualify. I truly believe that this mishap doesnt reflect my creditworthiness and commitment to repaying my debts.As a United States Army Veteran, Ive always made necessary sacrifices for my country and family. Now as New York City XXXX, I will continue to rectify and fulfill the requirements needed for a better future. It would help my family and I immensely if you could provide me with a second chance and make a good will adjustment to remove the late payment from my credit report. 

Thank you for your consideration and I hope you will approve my request.
Product: Credit card or prepaid card

Costco Citibank Visa credit card has started charging me and other consumers interest on purchases whenever you get a cash advance in the month even though I had paid the card balance in full for the previous statement closing balance. This is not how the terms of the Costco credit card are! I told Citibank customer service reps this should not be done, but they did not care to rectify it or interested in correcting it.      The initial Citibank rep could not understand it when I talked with her. This should tell you there is a problem here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed in a lengthy thorough dispute that went ignored by Equifax and XXXX, I also upload the same information using their uploading system. Since the law requires them to respond to my claims and perform a investigation which never occurred, I will file a complaint with them. I have been a victim of identity theft. Please see attached documents that support my claim of identity theft. Please delete the accounts I've outlined in my dispute. The FCRA also states that I have the right to dispute inaccurate and incomplete information. These accounts are inaccurate and fraudulent. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I had no other choice but to escalate this matter and file complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, Justice Department.
Product: Payday loan, title loan, personal loan, or advance loan

Texan Credit Corporation Branch store in XXXX XXXX, Texas office has received 3 US POSTAL SERVICE Certified letters with USPS TRACKING LABELS from me since XX/XX/XXXX requesting a Balance n payment history statement and a lower monthly payment option for my account. I have since XXXX paid off 4 other Texan Credit loans on time. Their All Only Female Gender staff with ex option of Management engages in verbal non caller ID multiple daily phone calls with Hang up to my phone XXXX XXXX XXXX. When I call back their Female gender staff verbally speaks very loud to me on phone and uses threatening nouns, adjectives and verbs in intimidation when I ask to discuss my account. They blatantly due and say they receive no USPS TRACKING LABELED MAIL FROM ME SINCE XX/XX/XXXX, yet they mail me via USPS IN XX/XX/XXXX threatening me for payment. Predatory lending and False alligatory, collection efforts. They supposedly had large US PPP LOANS they got in XXXX by the way as a US Essential Business.
Product: Money transfer, virtual currency, or money service

I noticed in or around XXXX strange emails I was receiving that appeared to be from unhappy people that had apparently order something but we're scammed. And my email & a XXXX account that was never activated were tied in. I notified XXXX, sent them copies of emails, discussed at length & was told it should be taken care of by XXXX. Then in XXXX, also this year I get a notification from my personal bank Vystar Credit union, the XXXX Florida branch. My husband & I opened both a personal account & a savings account jointly. We put I believe {$25.00} in the savings & very little in checking. It was going to be mostly for him to be able to cash checks he's paid by clients with & to try to save. We actually only made a couple small purchases through it, not deposit more money, we are broke. 
In the notification we we're being told this was our final notice of having over drawn considerably & needed to get it paid clear with in five days or loose account. I was shocked. And we got that it appeared to be several withdrawal within a couple days through the same XXXX account I never opened. I never requested a XXXX account, and so when I did receive a card from them have never activated it. I'll be cutting up all the cards now, XXXX & Vystar. 
After several unsuccessful attempts to reach the right department, ( Members Solutions Department ) was finally talking to someone, can't remember name or if I was told one, bank finally, rudely agreed to dismiss some of the fees but ot all. I felt I didn't owe. I said so. Told to pay ASAP. I called XXXX, assured they were taking care of investigation on account but would not cover the bank charges. I called the bank back told must pay. 
But also informed on second call to vystar that my debit & ATM card had been frozen for non use months earlier. Now I was not made aware of this before. And I said I was not happy because I was clearly scammed & they did not try to call me, or email, only received the one Finale notice. But quickly and rudly told " they were sure I'd be able to come up with the payment to them by the end of the month '', even after I clearly explained we were not doing good & are broke. " they should have caught this quick & notified me imidiatly. Instead I'm told to pay, doesn't matter if it was identity theft, pay. And I would have to wait six months, or something crazy, husband to, & have account in good standing, go to bank in person & ask to get my cards back, beg. This was absurd. I'm not interested in this bank that doesn't care about us. 
I would like to see them change the rules, policies, collections, & investigation process. Also I want this account closed with a letter of apology on how it was handled. And I believe my husband & I are both owed fair remedy amount from the bank for the inconvenience, poor handling, rudeness, & lack of care. I would say {$200.00} each. They can mail us each a check with the letters of apology.
Product: Student loan

On XX/XX/XXXX, I received a message from my federal loan servicer MOHELA that a general forbearance was placed on both of my loans for the month of January ( 1/1/24 - 1/31/24. I was confused for a number of reasons 1 ) How can I be told RETROACTIVELY that my loan was placed into a forbearance 2 ) How was this forbearance placed without my permission when my account was up to date on payments/no payments had ever been missed?

3 ) Why was this forbearance placed without my permission and certainly not by my request?

4 ) Why was I responsible for interest accrued during a forbearance period I did not request?

5 ) Why did payments during this forbearance not count as monthly payments towards the Public Service Loan Forgiveness program? I had to wait on hold for over two hours before speaking
with a representative. There was nothing that could be done about the interest during that period or the payments not counting towards PSLF, which means a direct negative financial impact on myself. They were able to remove the forbearance so that it is no longer on my loan records. 

However, I have once again received communications from MOHELA stating that my loans are being placed in an administrative forbearance I DID NOT ASK FOR AND DID NOT APPROVE. I received a communication on XX/XX/XXXX stating that both of my loans were being placed in an administrative forbearance from XX/XX/24 to XX/XX/24. I am once again confused for the following reasons.

1 ) I did not request a forbearance 2 ) I did not approve a forbearance 3 ) My account has never missed a payment is is up to date 4 ) It states that loans will continue to accrue interest during this period 5 ) Auto debit is suspended, which means I am not receiving the XXXX  % interest rate discount and am therefore accruing MORE interest than I otherwise would 6 ) At the end of the forbearance unpaid interest may capitalize on the loan 7 ) It is not stated if payments made during this time will count towards the PSLF program, which ones again means I will be paying MORE over the life of my loan. 

I am currently on hold with MOHELA again and have been for over half an hour, as they continuously do not have enough staff to respond to concerns in a timely manner. I have seen similar stories from other MOHELA customers and intend to file a class action lawsuit if this situation is to occur again.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a student loan from  XXXX  in  XXXX  that has been discharged that still appears on my credit report. There are  XXXX  loans from  XXXX  that were consolidated into  XXXX  loan in  XXXX  but still displays  XXXX  from  XXXX  so indicating I have  XXXX  student loans altogether when I have  XXXX  open. Also ombudsman group advised  XXXX  to remove ALL payment history from my credit for all my student loans prior to  XXXX  when I filed bankruptcy and they still have n't done it. This is negatively affecting my credit dye to it indicating I have multiple closed accts plus and open {$12000.00} acct and still displays payment history as well. They have removed some payment history but not all.
Product: Checking or savings account

Wells Fargo has an overdraft protection option on their accounts which charges {$35.00} Per transaction. I opted out of this service awhile ago as to not get charged these ridiculous fees. I usually get an email saying my bank declined a transaction due to insufficient funds. Now Wells Fargo has made a loophole so they are able to charge you these overdraft fees for your account being negative more than a day. The issue is, I opted out of overdraft protection so my account should have never been overdrawn. Wells allowed two transactions to overdraft my account and now they charged me {$70.00} in fees. How can they justify charging me fees when I opted out of this service a long time ago. It shouldnt matter if Im using my debit card or electronic check. If its going to overdraw the account, it should be declined so the fees dont get charged. I want Wells Fargo to refund the two fees totaling {$70.00} because they never should have accepted the transactions since I dont have overdraft protection.
Product: Debt collection

They call often and I have told them its not something I can do right now due to loosing my job and then finding one that I make very minimal at and have to pay for my son. They keep saying interest is added on daily.
Product: Credit reporting

I use several credit monitoring services and last month I noticed my hard inquiries were removed from Transunion report. They have now been added back on my credit report. I have not received any notification in writing and I would like the inquiries removed. I tried to call Transunion and after the reps put me on hold for an hour, they then tell me they ca n't help me and hang up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX - XXXX  ; XXXX DEPT OF ED/XXXX  DEPT OF ED/XXXX   XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX - XXXX  ; XXXX  DEPT OF ED/XXXX  DEPT OF ED/XXXX   XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX - XXXX  ; XXXX  DEPT OF ED/XXXX  DEPT OF ED/XXXX   XXXX XXXX
Product: Vehicle loan or lease

I turned in a XXXX XXXX and leased a XXXX XXXX in XX/XX/XXXX. XXXX Nissan never properly grounded the vehicle so XXXX thought I still had the vehicle. After continued calls to the dealer and XXXX to make them resolve this issue XXXX continued to send me notifications about the vehicle. XXXX Nissan finally grounded the vehicle at the end of XX/XX/XXXX. XXXX reported the account delinquent and my credit score decreased by XXXX points as a result. I am the victim of the dealerships incompetence and unwillingness to fix this. All of this would have been avoided if XXXX Nissan grounded the vehicle in XX/XX/XXXX.