23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have negative reporting on my credit bureau. The dollar amount owed and the total amount of payments are incorrectly factored into my credit score which is bringing down my credit score substantially. I use my CC by the recommendation of US BANK and its branch managers as a substitute for my Debit card. My CC type is a XXXX XXXX Rewards card. They insist I use the card because I gain cash for traditional purposes - then with live cash transfers from my checking account I make payments for the full balance every XXXX weeks. I have not paid late in XXXX years and like clockwork I pay of all or close to the entire amount. This means I gain no interest since I pay off ALL transactions within XXXX days prior to the XXXX day billing period. This means less interest. The problem. They consistently show only XXXX payment a month and constantly show I am near or over my limit. If the true calculation is used they would see all Transactions are paid within XXXX days so this is a false reporting showing I am " on time '' with my payments but over my limit which is false. I would know - I used to be a Branch Manager with US Bank and can validate the internal issue IS WELL known however not many customers know how or where to address this. The calculation based on credit score simulations showing the CORRECT number of payments based on the timeline to close each transaction would leave my credit score ABOVE XXXX. This is costly to me as my interest and rates suffer significantly as my credit score is less than XXXX. In addition to the loss of interest rates which should be applicable to me due to my stellar payment history US BANK Branch Managers Insist I continue to use my CC in the manner they suggest as it ( AS THEY STATED ) will improve my credit Standing with US BANK - this is a false statement as they too only look at current credit scores. I have called and have been given the run around for months but am now told to file a complaint. So here it is based on their recommendation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : Bankruptcy Chapter XXXX Discharged XXXX Date Filed XX/XX/2013 2013
Product: Student loan

I have spend over 40 hours on the phone with Mohela trying to take care of my student loans. I am eligible for PSLF and submitted paperwork to them on several occasions since they took over my account in XXXX. I was told to mail and fax my paperwork after receiving a letter from XXXX XXXX in XXXX. They deny that they ever received my information and I was forced to upload the same documents to my " portal '' on XX/XX/XXXX, and XXXX. Mohela informed me that all of my information would be completed and in their system by XX/XX/XXXX of XXXX. It took them almost until the end of XXXX to get my data into the system. I also asked to have my XXXX  grants converted in XXXX so they could be consolidated and rolled into my current loans. They did not complete that until the beginning of XXXX which was past the XX/XX/XXXX deadline to do so and still have the loans fall under the program to do the consolidation. It wasn't until XXXX that the information was even received by the studentaid.gov website to allow me to consolidate those loans. 

After many hours on the phone, I was advised to reach out to them via the message system on their website. I did so on XX/XX/XXXX with my concerns. They replied to that message on XX/XX/XXXX with a form letter and how I should call if I had concerns. I sent a message through their system again on XX/XX/XXXX for an update on the previous message, and a third time on XX/XX/XXXX to inquire once again as to the status of my PSLF forms. The XX/XX/XXXX message was replied to on XX/XX/XXXX stating that my loans are currently in a grace period and not eligible for PSLF and that a supervisor would contact me but never has and the phone number listed to call entails a hours-long wait to talk to anyone who can help. I have still to date never received a reply to my XX/XX/XXXX message. Their system states that you should hear back from someone between XXXX hours but all of their replies have been boxed answers taking well over 18 days which seems very excessive. 

I have still no resolution to this. My loans should have been covered under the PSLF and is now holding me back from entering college as I am out of XXXX funds for student loans until this has been resolved. I have several prereqs I need to complete to get into a XXXX XXXX XXXX which will push my entry into that program anywhere from XXXX years due to application deadlines and the prereqs I have to take. This has become a true issue and is keeping me from pursuing further education. 

This company seems to care very little about the people they are supposed to be servicing and are practicing a delay tactic that makes this frustrating, infuriating, and exhausting. They do not care whether they provide assistance and what little they do provide is marginal at best. When I do call I talk to someone who states that they have to transfer me to someone who can access the data, am then put on hold for hours, then only to be told I need to talk to a supervisor who never comes. I have waited up to XXXX hours in one day just to be told that no one can help me or that the person I need to talk to is unavailable.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX : # XXXX, XXXX/DEPT OF ED # XXXX, XXXX/DEPT OF ED : # XXXX, XXXX/DEPT OF ED : # XXXX XXXX XXXX/DEPT OF ED : # XXXX, XXXX/DEPT OF ED : # XXXX, XXXX/DEPT OF ED : # XXXX, XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX  : # XXXX, XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 

I looked at my XXXX, EQUIFAX and XXXX credit reports on XX/XX/2024 and noticed some things are incomplete and not accurate. 
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.

And according to the fair credit reporting act 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 XXXX XXXX 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

COMPANY IS REPORTING INACCURATE AND UNVERIFIED INFORMATION ON MY CONSUMER REPOT CAUSING ME TO BE INABLE TO OPEN ANY BANKING ACCOUNTS.
Product: Money transfer, virtual currency, or money service

I have repeatedly received false invoices via PayPal. The latest is from XXXX for {$540.00} for XXXX XXXX XXXX from XXXX. These are from people I have never had contact with for services I have never used. 

PayPal refuses to block these transactions. If they are refusing to close my account due to alleged open disputes, they have to at least stop allowing new activity.
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. 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. 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. XXXX, TransUnion and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. Please remove them among the few others I submitted on the other report. Thank you.
Product: Debt collection

After a detailed review of my recent credit report, I found multiple accounts that I believe are incorrect and were added without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I scheduled direct mortgage payments from my checking account to XXXX XXXX XXXX. They have all of my checking account information, and can access funds directly. XXXX XXXX XXXX neglected to inform me of changes to my mortgage, and didn't process my mortgage payments due to these changes. 
I was eventually made aware of the problem by a third party credit monitoring service, XXXX, who texted me that my credit score had dropped by 156 points for a delinquent account with XXXX XXXX XXXX. Again, XXXX XXXX NEVER indicated that there was a problem with my account. They claim that they sent a notice via USPS, but I never received it. Instead of reaching out to me via email, text or phone, they allowed my account to be delinquent for 3 MONTHS, and instead reported me to the credit bureaus, without ever contacting me and giving me the common courtesy of letting me know what was going on. As soon as I found out about the issue, I called XXXX and initiated a transfer of funds to pay all outstanding balances. They are currently paid in full. I asked them to fix the problem with the credit reporting and they refused. 

I want XXXX XXXX to retract their complaints against me with the credit bureaus. I had a credit score over 800, which required serious commitment and diligence on my part. There was more than sufficient funds in my checking account to cover the payments due and I am available all day to respond to texts and phone calls if there are any issues. 
XXXX XXXX justified destroying my credit score based their lack of communication with me regarding the status of my account. It's inexcusable.
Product: Credit reporting or other personal consumer reports

Dear Transunion : Im responding to the verified no-change letter you sent me for collection account.

1. These inquiries were not authorized by me and I would like them to be removed ASAP XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
2. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. 15 U.S Code 1667b - Lessees liability on expiration or termination of lease XXXX Account Number : XXXX Please remove it from my credit report. 
4. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account is in violation XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. I previously disputed this account. I don't agree with the results of your investigation. Please mail me proof of your investigation or delete the negative information. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 8. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account is in violation XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. Please investigate the reporting of this account to determine that it meets FCRA and FDCPA requirements and correct/update this inaccurate record on my credit profile. I was never late on this account. I always paid as agreed. 
XXXX Account Number : XXXX Please remove it from my credit report. 
Based on your recommendation, I sent a letter to the collector asking for the proof of the debt but they never responded Its clear that the account is inaccurate because the collector did not send any valid proof. If they cant prove that the account is accurate, they can not report to the bureaus, according to the FCRA. Please remove this item from my credit report or your company will be in violation of the FCRA. 
Thank you Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt with XXXX XXXX is not my account. I am a victim of Identity theft, and this needs to be removed today!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with Experian and XXXX regarding incorrect items on my credit report. They are reporting a Chapter XXXX and Chapter  XXXX on both XXXX and Experian. Its been well over 30 days and I haven't received results from investigation. Both XXXX and Experian have violated my right to privacy... FCRA 15 US Code 1681 ( a ) Section 4. I will seek legal action against both if the don't comply with the law. They fail to comply with request for method of verification. I have provided them with documents from US Court stating that it is illegal for them to give out any information to Consumer Reporting agencies.
Product: Debt collection

( Firstsource Advantage , LLC ) at ( XXXX XXXX XXXX XXXX, XXXX, NY XXXX ) has been calling Me, for the amount of {$0.00}. After I ask multiple times to stop calling, I had to change my phone numbers 2 times so i could stop receiving calls, now they find my new number and they call then hang up. I do not know this company. I have never done any Business with this company. This company does not have a contact with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus XXXX, Experian, and XXXX and disputed inaccurate information that is being reported on my credit file and I have received no response.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate late payment information that continues to appear on my credit report. Despite my previous dispute, the following accounts are still reporting late payments that I believe to be incorrect. I am requesting a thorough re-investigation of these items under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, credit reporting agencies are required to report accurate information. 
Specifically, section 611 ( 15 U.S.C. 1681i ) mandates that credit bureaus conduct a reasonable investigation of disputed information. Your failure to correct these inaccuracies after my initial dispute suggests non-compliance with this section of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately around XX/XX/XXXX I called all three credit bureaus about credit inquiries illegally not authorized on my credit report also. I spoke with Transunion and they had a glitch in there system in XX/XX/XXXX. Inquiries that were deleted are back on my report as well and I was not notified by mail in the time frame that was supposed to be notified by law. These inquires added a hardship and my rights were violated by Transunion as well as the other two credit agency. As a resolution I ask that all my inquires be permanately deleted from my Transunion report as well as XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX, XXXX, is inaccurately reporting on the credit reports associated with my social security number and violates my consumer rights as evidenced by the following information : There are several inconsistencies in this account on the credit report. Firstly, XXXX has not specified the account type in detail, unlike TransUnion and XXXX. Secondly, the high credit reported by TransUnion and XXXX is {$3700.00}, while XXXX reports it as {$3000.00}. Thirdly, the credit limit reported by TransUnion and XXXX is {$3000.00}, but XXXX reports it as {$0.00}. 

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ), specifically the section that requires credit reporting agencies to provide accurate and complete information in credit reports. Under FCRA Section 611 ( a ) ( 1 ), credit reporting agencies are required to " follow reasonable procedures to assure maximum possible accuracy of the information '' in a consumer 's credit report. The inconsistencies in this account information suggest that the credit reporting agencies did not follow reasonable procedures to ensure accuracy. 

Additionally, FCRA Section 623 ( a ) ( 2 ) ( A ) requires credit reporting agencies to promptly correct any inaccuracies in a consumer 's credit report. Since the high credit and credit limit reported by XXXX are different from those reported by TransUnion and XXXX, XXXX should have corrected the inaccuracy in its report promptly. 

In summary, the inconsistencies in the account information reported by the three credit reporting agencies violate FCRA Sections 611 ( a ) ( 1 ) and 623 ( a ) ( 2 ) ( A ) regarding accuracy and prompt correction of credit report information. In addition, the account does not belong to me.
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 XXXXXXXX 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: Debt collection

These people keep calling 4 or 5 times a day, they say my phone number is not in there system. They can't tell me who the debt is for. This is a business they keep calling. They are rude and nasty and all they tell me is that my phone number is not registered with them, but yet they keep calling 4 or 5 times a day. I don't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Report Number ( Included ) : XXXX My CFPB LETTER STATUS Sent to company on XX/XX/2023 Experian XXXX responded STATUS Company responded on XX/XX/2023 Response is Over 30 days late. 

I told the Experian and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Account name : XXXX ( XXXX ) - ( XXXX ) XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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. 

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

cc : XXXX cc : AG Office
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. There remarks have been detrimental to my life and credit health.