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

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX SXXXX 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

Under 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish information that is accurate and complete. I did not receive the required 21-day prior written notice from the creditor/lender regarding the late payment as mandated by the FCRA. This omission means the late payment entry may not meet the accuracy and completeness requirements. 

I have already attempted to resolve this matter directly with the creditor/lender, but the incorrect entry remains. Therefore, I request that you investigate this dispute and correct or remove the inaccurate late payment entry from my credit report. 

Late payment XXXX XXXX XX/XX/2021 Please provide written confirmation of your receipt of this dispute and notify me of the outcome of your investigation. I kindly request the CFPB 's assistance in investigating this matter and ensuring that the erroneous late payment is removed from my credit report.
Product: Credit card or prepaid card

I ran my credit report and was infomred and read that Discover CC which the account is clossd is runnin gmy credit without my permission. the account is closed. Discover did this on XXXX, so I was informed to consider this as fraud and to report this.
Product: Credit reporting or other personal consumer reports

For the months XX/XX/year>, XX/XX/year>, and XX/XX/year> I have submitted multiple disputes along with FTC identity theft report proving I am a victim of identity theft. I have yet to receive any updates regarding the multiple disputes I have submitted both online and via postal mail. 

There are fraud accounts reporting on my credit bureaus per 15 USC 1681b Any information reporting that is false is considered as Identity theft. My attachments indicate the accounts that need to be removed from all 3 credit bureaus immediately. All collections and charge off accounts must be removed from my credit report. I did not do business with these companies nor was i aware of these accounts prior. 
Please remove the fraudulent accounts from my credit report as soon as possible. This inconvenience is hindering life.
Product: Credit reporting or other personal consumer reports

This account is an individual account that belongs to my husband. This loan was not mine and should not be reported on my credit. I have the 1099-C they sent to him for the Charge off of the account. This is verification that this account DOES not belong to me and this account was not a joint account!! Fair Credit Reporting Act should be used in this situation that ensures correct and complete information and identification when reporting collection accounts and this is not my account
Product: Debt collection

A debt collection company named Nationwide Debt Management Solutions is contacting me regarding a debt with XXXX. I 've asked this company to send me the information in writing to my home address. A representative by the name of " XXXX '' states they 've sent the letter previously and it 's not their fault if I did n't get it and that they refuse to send me another letter in writing. 

Also, I 've received a call from family members stating this company is trying to reach me on several other phone numbers, XXXX and XXXX. These calls have to stop. They 've been instructed that they should not be contacting any other numbers.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit
reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an old account on my credit report that should no longer be reporting. It is 6 yrs old closed account
Product: Student loan

Found that the date until forgiveness is getting dragged out longer and longer. When I called on XXXX the rep said that it was because I went back to school and the payments were deferred it's starts the process over again. Never was I informed that the date of forgiveness would be pushed back 7 years if I went back to school for 2 years. She then tried to talk me into the public loan forgiveness which I have already been rejected from after working in child protective services for 11 years. I didn't have the " right '' loan to qualify, so why would you suggest that option. Because then I would have to consolidate my loans under another plan which starts the 25 years over again until forgiveness. I graduated in XXXX. My loans won't be forgiven until XXXX. 32 years later. 7 years after the 25 year date.
Product: Student loan

I paid off my school loan with a loan company years ago, they filed late charges recently on my account and will not remove the incorrect late charges even though I've already paid them off.
Product: Checking or savings account

On Friday, XX/XX/2019, I went to Chase Bank at XXXX XXXX XXXX XXXX, XXXX Fl, XXXX Between XXXX XXXX. I went to ATM terminal number XXXX, which is located directly to the right once you enter the building. I used my debit card through XXXX XXXX to withdraw {$1500.00}. When it asked me how I wanted my receipt, I choose an email. After that screen, The atm restarted as if the transaction did not go through. I advised the teller that the atm did not provide me with the money, and she advised me to try another one. I went to the other ATM, and it said I reached my limit for the day. She then advised me to contact Chase 's claims department, which was approximately XXXX XXXX. 
I spoke with the claims department to open an inquiry ( Claim XXXX ). They advised they would research the matter and then credit my account for the inconvenience. It took two days ( XX/XX/2019-XX/XX/2019 ). I called six times and spoke with six different customer service reps and supervisors. Finally, on XX/XX/2019 at XXXX XXXX, I spoke with my 6th supervisor. He had to cancel my old claim because he stated they did not include that the transaction was not done with a physical card. It was done with XXXX XXXX debit card. He noted that the coding was different. He created a new claim ( XXXX ). He stated that he would be able to issue me a temporary credit, and they will research the issue. On XX/XX/XXXX, I received an update that chase completed the research, and they determined the transaction was processed correctly. I spoke to a supervisor, and they stated that they received information from the bank stating the transaction was complete. However, It was not complete. I did not receive the funds that day at the ATM. They also stated that they would be removing {$1500.00} from my account on XX/XX/2019. I called Chase at the location above and spoke to the Manager on Duty. He stated that he would escalate the issue. I also called back the claim department, and they said they would escalate the issue and allow 3-5 Business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some missed payments on my report that have been there for a year or so now. Since that time I have made on-time payments with no late fees and would like to have them removed. The cause of these late p [ ayments was due to my incarceration and had no access to my income or anything of that nature. These payments are preventing me from getting a home as well as other things I need to improve my well being.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>XXXX  I submitted a verification request on a XXXX XXXX XXXX I did not recognize. Report number XXXX was generated with no information. 
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes such as in my case. Experian has neither corrected nor removed disputed items causing ongoing harm to my credit. I am requesting corrective action to remove or amend the disputed accounts.
Product: Student loan

To : Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Regarding Mohela 's Deliberate Processing Delays- Account # [ Your Account Number ] Dear CFPB Representative, I am filing this complaint against Mohela for their continuous and seemingly deliberate delays in processing my request to switch from XXXX administrative forbearance to a 60 day processing forbearance related to my request to transition from XXXX to XXXX  repayment plan. Below is a timeline of my attempts to resolve this issue : XX/XX/XXXX : Initially requested to transition from XXXX to XXXX, with the understanding they were supposed to place me into a processing forbearance after that request, which would count towards XXXX in the interim as I had XXXX qualifying payments and can not approach XXXX while in this SAVE administrative forbearance. 
XXXX XX/XX/XXXX : Sent follow-up support message XX/XX/XXXX : Received response stating " Mohela is putting your account into forbearance for up to 60 days '' Presumed this meant it was happening. 
XX/XX/XXXX : After another follow-up, received dismissive response : " Our records indicate that you have already called and spoken to XXXX of our Customer Service XXXX XXXX this inquiry '' XX/XX/XXXX : Called and spoke with representative who acknowledged XXXX changes had been made, she then stated she had put in the request and promised resolution around XXXX business days XX/XX/XXXX : Called again after the promised XXXX business days passed, only to be told it would take another XXXX business days This processing forbearance should have been completed by early XX/XX/XXXX. These continuous delays are significantly impacting my financial planning and career decisions for the following reasons : XXXX. I have completed approximately XXXX qualifying payments toward XXXX ( potentially XXXX with buyback ) but can not progress without this forbearance change XXXX. I can not transition to XXXX due to the current program halt XXXX. Given this, I also asked about the timeline to simply exit forbearance into standard repayment, was informed that would take XXXX business days! 
XXXX. These delays force me to remain with my non-profit employer despite having another job opportunity, I've had to cancel the job I urgently request CFPB intervention to require Mohela to implement the processing forbearance immediately, which would allow at least XXXX months to count toward my loan forgiveness. This prolonged administrative delay is causing undue hardship and appears to be an intentional stalling tactic. 

Thank you for your prompt attention to this matter.
Product: Student loan

I didnt know i had to renew my fed loan repayment account in XX/XX/XXXX & the balance went up by {$720.00} for a monthly payment. I make $ XXXX monthly for a household of 2 people. Once i realized this i applies for a income driven plan & was accepted. This {$720.00} payment made my credit score go down by over 80 points and Im trying to improve my credit & this isnt helping me at all. Prior to that, i was and right now i am in good standings & have been responsible. Please help me out by removing this off of my account
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX  {$360.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXXXXXX {$200.00}
Product: Checking or savings account

Robin Hood restricted my account about five months ago and it said that it was supposed to be for two weeks and now it is closed and has been for the past three-ish months. I dont know any specific dates of when the account was closed or restricted. but they have locked my phones and I am not able to withdraw my money from my investment accounts or XXXX XXXX.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXX to remove the reporting of my 10 year old bankruptcy due to the length of time they have been reporting it - 10 years! 
Instead, they reinvestigated the accuracy of the bankruptcy which I am NOT disputing! 
I asked that they remove it because this reporting stays on your report for 7 years or more AT THE DISCRETION OF THE REPORTING AGENCY! The information is accurate. I am not disputing that. I am asking them to remove it based on length of time that has passed! They are allowed to remove this and are either ignoring me or choosing not to remove it by their own choice as it is in their purview to remove it any time between 7 and 10 years. Upon my request, they should remove it as it is 10 years ago! If they are choosing not to, they are being discriminatory and leaving it on because they dont feel like removing it! 10 years! XX/XX/2010! Please remove this OUTDATED report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few accounts on my report that I did not recognize
Product: Debt collection

So I noticed there was a debt collector medical bill placed onto my credit ; The debt agency is Wakefields & associates I have no recollection of ever signing or allowing a contract from this company come through ; when I called there phone number and stated medial debt arent allowed to be displayed on credit they said nothing of the situation. Ive sent letters in to the 3 bureaus known as XXXX, XXXX, and XXXX as well as Wakefields and associates. I was never contacted back through letters by no bureau expect XXXX. When I stated how my Hippa laws were violated and I do not accept this and would like it removed off of my credit report. This debt contract that was never authorized by me was made XX/XX/2021 ; signed over by a company under the name of XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Retail Installment Contract was signed on XX/XX/XXXX for {$30000.00}. Project coordinator asked if we wanted to finance the battery portion of the loan separately at 0 % interest using the HEAT loan program. We agreed, went to a local credit union from the list provided from XXXX and secured the 0 % interest loan for {$11000.00}. The solar installation was completed in XX/XX/XXXX and we were instructed to mail the check to XXXX XXXX ( attached is copy of full email conversation between project advisor and us ). 

We received confirmation check was received, however we never received an updated Retail Installment Contract with the financed amount being {$19000.00} even though in the email it said we would. Since the {$11000.00} was now financed separately at 0 %, it should have been removed from the amount financed and we shouldnt have to pay interest on that amount. 

We made phone call after phone call to try to get resolution on this matter and each time we were told different things. First they told us the {$11000.00} was applied as a regular payment ( which was not how that should have been applied ). Then we were told it wasnt applied at all and they needed to send us the {$11000.00} back to us. We requested they correct the loan and provide a new Retail Installment Contract to no avail. 

XXXX deposited the check for {$11000.00} on XX/XX/XXXX ( copy of deposited check attached ) yet they did not apply it to our loan in any way or correct the contract. Our first payment for our original contract was due on XX/XX/XXXX and since the amount of the loan was never corrected we decided to pay it off, which we did. We sent XXXX a wire transfer on XX/XX/XXXX for {$30000.00} as this was the payoff amount given to us. We could see on the portal that wire transfer was received. 

Every step of the financing process has been a disaster and it seems there is not one person who works for XXXX that actually follows up with their customers. Our project coordinator, XXXX XXXX, stopped responding to emails ; we talked to at least 5 different representatives and not one got back to us as promised ; the only manager we actually got on the phone was XXXX XXXX and she had not responded to our emails or called us back. 

XXXX has had our {$11000.00} for 11 weeks and have made zero effort to get it corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request that XXXX XXXX Account No : XXXX be put back on my credit report. In XX/XX/XXXX it was deleted. However Ive been paying on it got 8 years and recently finished in XX/XX/XXXX The agreement between me and XXXX was once it was paid off it would be reported on my credit report as account in good standing paid as agreed and paid in full. 


XXXX reported normally. 
I've called Transunion a total of 30 ti
mes asking for the status of the updates they informed me I can fax a dispute to put everything back on my credit report which was faxed in the month of XX/XX/XXXX Transunion informed me that I can not dispute to add something to my credit report only a creditor can add something to my credit report. 

Mean while XXXX XXXX has been trying to report it over 7 times on my credit report Providing me with AUD # XXXX every time.. 

At the end of XX/XX/XXXX XXXX received a email from Transunion Hello XXXX, The account ending in XXXX was deleted in XX/XX/XXXX and is not able to be reinstated.

If you have any further questions, please contact us at XXXX. 

Thank you, XXXX XXXX Customer Service Representative TransUnion XXXX XXXX XXXX XXXX XXXX Pa XXXX Tel : XXXX Fax : XXXX XXXX This is completely unfair I've been put in a run around for a months! Just add the account please. 

I was told by Transunion I can not add the only person that can report on my credit report is a creditor. So the creditor tried to add over 7 times .. Then they tell the creditor, XXXX they can not add it. 

This creditor is a legitimate reporter. The account is legit that belonged to me a account I just paid it off RECENTLY XX/XX/XXXX not XX/XX/XXXX. I paid this account EVERY SINGLE MONTH ON TIME, and they should be allowed to report it especially since no one is disputing it and it belongs to me.
Product: Mortgage

XX/XX/XXXX a servicer bank filed a foreclosure on my home. I defended our home prose from XXXX XXXX to XXXX XXXX. Then XXXX XXXX XXXX. ( XXXX ) granted a covid forbearance, then XXXX offered a loan Mod. ( LM ). Three months trial XXXX XXXX, which I paid. March a LM  was sent along with a 4th " post-trial '' payment amt. I had several issues with the unilateral items in the LM, I detailed each item enclosed the 4th payment with my letter of concerns. XXXX, XXXX, XXXX, ratified payments were accepted. On XXXX XXXX XXXX  notified me they were transferring my loan to Mr. Cooper bank they wrote " everything will stay the same '' But it did not stay the same. Mr. Cooper refused my 7th payment of {$1500.00}, and increased my amount to {$160000.00}! To be sure this is an impossible amount for me to pay. After a decade of XXXX XXXX offering to make payments, being under the threat of being publicly evicted into the street, we finally were making regular payments ( albeit a few details to be worked out ) but we had completed the 3 trial payments, then we paid three ratified payments only to have our loan transferred, and payments refused. It should be noted this was a predatorial loan in XXXX XXXX also I was discharged of debt in XXXX. I am XXXX, XXXX and an XXXX XXXX XXXX XXXX XXXX XXXX. The bank recently said " you haven't paid in years '' but I TRIED many times, on the record.
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue : Student loans by Dep of Ed/  XXXX   (  XXXX  ) are being reported as deferred, part of Chapter  XXXX , and delinquent at the same time. I have talked to  XXXX  who have assured me that the student loans are not delinquent. Also my bankruptcy does not include student loans ( Chap. XXXX  ).     I last contacted credit bureaus in  XXXX   XXXX  about incorrectly reporting student loans. They sent me a reponse saying that the student loans were being reported correctly. Also contacted all bureaus multiple times during  XXXX  and  XXXX .
Product: Credit card or prepaid card

Please do not go with  XXXX   XXXX  credit card or any other deferred interest payment card. I was n't told that it was a deferred interest credit card when the salesmen told me to go with it at the  XXXX   XXXX  store. I have paid {$1500.00} in interest when I was within {$500.00} of paying the card off.   I think it 's anything with Comenity Bank is going to do this to you.
Product: Credit card

I revoked any and all permissions I unknowingly may have given to Brandsource to share my nonpublic personal information. And, I gave they strict written instructions as per 15 U.S.C. Section 1681 ( b ) ( 2 ) to not share my information yet they ignore me in violation of Federal Law and have continued to share it.