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

Date : XX/XX/year> I received a letter from your company stating that the item I disputed has been up-dated with new information. Well, after carefully looking at my credit report, I dont see what has been updated, and I dont think that was the reason for my dispute. Im a bit confused here. Please tell me what has been updated? For example, has the balance on my account changed? Was the late payment indication on my account removed? What has been updated? If your company cant fully disclose what has been updated, then I need you to re-investigate the item that I disputed. 

XXXX XXXX XXXX XXXX XXXX Each day your company refuses to investigate the incorrect item is causing me stress. Im asking you for a second time to please investigate the negative accounts listed above. 
I think 30 days should be long enough for your company to complete this investigation.
Product: Credit card or prepaid card

Recently obtained a copy of my credit report from XXXX  along with a letter from XXXX/Synchrony Bank stating a denied application for their credit card. It indicated that a credit inquiry was made by XXXX/Synchrony Bank. However, I did not authorize this inquiry. I'm writing to get this removed from my credit report. 

Please have this inquiry removed from my credit report as it is having a negative impact on my daily finances. I can't apply to new cards or increased credit lines that are essential to cover my necessary expenses. My vehicle is on the verge of fully breaking down and I am unable to even consider purchasing a replacement car as I am unable to get financing approval due to the detrimental effects of this inquiry.
Product: Credit reporting

Transunion is failing to provide me the information provided to them saying it is valid i am Requestion the Transunion provides me with the proof of these ACCOUNTS that they says is verified within the day that they have i want the copy 's from transunion telling that this account is mine if they can they by the law they have to get rid of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX  XXXX Date Opened : XX/XX/XXXX XXXX  Owed : {$0.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Owed : {$3000.00} XXXX XXXX XXXX  Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX Owed : {$0.00}, XXXX XXXX XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Inquiries included in dispute : XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Fraud & Identity Theft.

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX, XXXX, & Equifax agency submitting inaccurate information ( file attached that was sent to them ) I've attached a lists of the late payments in question. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, negative accounts, and late payments appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, negative accounts, and late payments are the result of identity theft and fraud.
Product: Vehicle loan or lease

I purchased a used XXXX  They sold it to me a certain interest rate and the XXXX was supposed to paid off last spring XXXX but now they are saying theres more interest to pay
Product: Money transfer, virtual currency, or money service

I recently had my phone and wallet stolen in XXXX XXXX, California. Unfortunately, the thief was able to access all of my funds. Despite locking my debit card, they were able to unlock my accounts by changing my passwords with the one-time passcodes ( OTPs ) sent to the stolen device. Since my usernames were saved in XXXX, they gained full access to my accounts. 

Ive contacted Bank of America multiple times and filed the appropriate police reports, but the situation remains unresolved. I am extremely dissatisfied with their handling of this issue and can not recommend them to anyone. Unlike my credit card companies, who promptly addressed unauthorized transactions, Bank of America has been slow to act. As a federally insured institution, I expected much more from them, especially since none of the transactions were authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). This will make a negative effect on my credit transactions. That's why I want this to be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

( Furnisher of information to credit agencies ) is a financial institution by definition under that title. XXXX5 USC1681 section 604 a section 2 states Any consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is explained how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information. " This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. None of these accounts belong to me period.
Product: Credit card

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet DISCOVERBANK is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX  compliance. Provide me with the XXXX  compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. DISCOVERBANK and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Costco Visa card with Citibank. On XX/XX/XXXX  I was in XXXX XXXX when my card declined for my rental car deposit. This did not make sense, as I had paid off my card earlier in the month and should have had plenty of credit to cover the charge. 

I called Citibank and was told that my credit limit had been lowered that morning due to " derogatory information on my credit report ''. ( No notice of this change was sent to me until the following day, XX/XX/XXXX, via email. ) When I insisted that no negative entries existed on my credit report, I was told that I had late payments and to contact XXXX. 

Upon returning, I contacted XXXX on XX/XX/XXXX and obtained the credit report attached. The XXXX representative ( and a supervisor I spoke to ) stated that there were no late or missed payments on my credit report, nor any other derogatory information of any sort. This was also confirmed by the copy of my XXXX report I downloaded that day ( attached ). My XXXX XXXX  score with XXXX was XXXX on that day ( currently XXXX ). 

I then called Citibank and spoke to a representative and then a supervisor. I explained the situation, and was told that I would have to dispute any wrong information with XXXX. However, there was no incorrect information showing on my XXXX report, so there was nothing I could dispute with the credit bureau. I also pulled up Citi 's XXXX score page on my Visa account, and it showed that the XXXX score they were using was XXXX ( currently XXXX ) and that my score was reduced due to late or missed payments ( attached ). The supervisor I spoke to ( XXXX, employee ID XXXX ) stated that he would submit a review request to the Citibank credit department to investigate the discrepancy. 

As of today, XX/XX/XXXX, I had not gotten any response from Citi on this review, so I again called and spoke to a supervisor ( XXXX, employee ID XXXX ). XXXX stated that a review had been done and nothing had changed. When I asked why the Citi XXXX score page states that my score is reduced due to late or missed payments that XXXX does not show, XXXX said that I would have to dispute the information with XXXX. ( However, as stated, I can not dispute information that does not exist at XXXX. ) XXXX stated that Citi would not provide me any further information about where this derogatory information currently exists. Therefore, I am requesting that CFPB require Citibank to explain where they are obtaining erroneous information on " late or missed payments '' on my credit report.
Product: Credit reporting or other personal consumer reports

This account was charged on the following date : XXXX Since then, the account has repeatedly been updated charged off every month. This is an update in the payment history. A charged off account should not include in active payment history. This inaccurate information falsely manipulates the status of limitation investigate this account properly after I asked you to do it twice and your neglect has violated demanding a deletion of the following account name XXXX XXXX XXXX XXXX Balance {$3700.00}
Product: Credit reporting or other personal consumer reports

I am filing this second complaint with Consumer Financial Protection Bureau to report my recent experience of Financial Abuse with " XXXX XXXX '', Compliance Department. First and forest, I am a victim of financial abuse, which has reflected on my credit report within the last couple of months. I am filling this complaint to report XXXX XXXX for fraudulently processing my credit report over 8 attempts within the 40 days. XXXX XXXX has processed my credit report up to eight times within the last two months and running my credit twice on the same day and on different occasions, which resulted in this issue. This company has abused my credit report and continues to process my information without my authorization and consent. As a victim of financial abuse, I had no choice to place a freeze/ fraud alert on my credit report with all credit bureaus. My accounts with Equifax and XXXX Credit Bureaus are currently being investigated due to this unauthorized activity in such a short amount of time. I have reported this matter to XXXX XXXX several times over the phone and via email to XXXX XXXX, from the Compliance Department from XXXX. I have not received any updated documentation or information on this matter from XXXX XXXX. I have spent weeks and days attempting to resolve this matter and there seems to be no response from XXXX or this department. I am seeking a resolution to recovery my credit report. I have listed below the dates that this company has abused and processed my information without my consent. XXXX XXXX : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023
Product: Mortgage

I called JP Morgan to inquire about the status of loan # XXXX XXXX issued by XXXX to XXXX.- Tax ID XXXX in XX/XX/XXXX for $ XXXX. 
Loan was, according to our records, paid off XX/XX/XXXX. 
JP Morgan transferred me to several departments and when finally it appeared that I got the right department, a lady - XXXX from Texas said that she did n't know who could help me either ; however, she was going to have someone call me at the end of the day. That never happened. 

My name is XXXX - shareholder at the XXXX to whom JP Morgan extended the loan back in XX/XX/XXXX under XXXX.
Product: Credit card or prepaid card

I opened a capital one account that advertised no interest for 18 months. The billing statement indicated no interest charge for XX/XX/2020 and I proceeded to pay off the account but was still charged XXXX interest without being notified that I would be charged interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the XXXX XXXX XXXX XXXX XXXX  asking do they report bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

However, such information shall not include specific factual information2 on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times : The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions According to : 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. 

I am requesting my XXXX XXXX bankruptcy be removed from all 3 credit bureaus immediately. I also am requesting a copy of my credit report from each credit bureaus stating this information has been removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft due to a data breach with taxpayer.com in XXXX. My personal information was compromised causing the following fraudulent accounts to be established in my name : 1. XXXX XXXX   XXXX 2. XXXX XXXX In addition the following inquiries are fraudulent on my credit file due to identity theft breach. 

XXXX XXXX For Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Card Inquiry from XX/XX/XXXX I have attached my necessary law enforcement documents. Please have fraudulent items removes from my credit file immediately.
Product: Credit reporting or other personal consumer reports

I was hospitalized due to XXXX on XX/XX/2022, and my health insurance expired while I was in the hospital. I was charged and billed {$4.00}, dollars, by the insurance company and my employer did not offer me XXXX or send me an election notice, I was not informed about XXXX and did not know how to apply for it. this medical bill was placed on my credit reports with XXXX XXXX, EQUIFAX, and XXXX, I challenged it, but the credit bureaus did not remove it, according to Federal Law employers have to provide employees with XXXX notice and election procedures, and I was not presented with notice, and this would make the bill placed on my credit reports wrong and the balances wrong. I would like this bill removed immediately causing me financial hardship. The account is listed below. 

XXXX XXXX XXXX ( original creditorXX/XX/XXXX) ACCOUNT : XXXX Sincerely Yours, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out validation letters for these companies to validate my debt. The validation is inconsistent with what they have sent in return. The companies are listed below XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX ( 5 ) Treatment of inaccurate or unverifiable information. 
( A ) In general. -If, 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. 

The accounts are highlighted in the attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

The three major credit bureaus are reporting an erroneous late on my credit file and it must be removed immediately. I had submitted disputes for a late I had with XXXX XXXX for the month of XXXX that was an erroneous late on their part that needed to be removed. I had NEVER been late prior of after this, and like I mentioned they made an error. I had also submitted them a letter with XXXXXXXX XXXX XXXXXXXX XXXX stating they will be submitting a request to the bureaus to remove the late from my credit file. Well, I recently checked my credit and noticed that a late for XXXX is now reporting and it dropped my scores?! This is ridiculous I was never late!!! I showed them proof that I was never late, and they just went off and gave me a new late for a month that I had never been late!!! This is a serious violation and it must be fixed immediately.
Product: Debt collection

I hope this letter finds you well. I am writing to address and request your assistance in resolving a matter related to late payments that have been reported on my credit account under your bureau. 

Upon reviewing my credit report, I have noticed that there are late payments recorded on my account, which is a cause for concern. I understand the importance of accurate and up-to-date information on credit reports, and I am committed to maintaining a positive credit history. 

XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative. XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I kindly request that you investigate this matter and, if appropriate, correct or remove the late payments from my credit report. I believe that rectifying this issue will more accurately represent my creditworthiness and financial responsibility. 

Enclosed with this letter, please find any supporting documentation or evidence that may assist you in your investigation. 

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

Ive been trying to get my student loan payments set up since XX/XX/XXXX. On XX/XX/XXXX I applied for the new SAVE plan ( income driven ) and was pre-approved with a payment amount of ~ $ XXXX. It took over a month for the SAVE application to process. Once processed, my payment amount went up to $ XXXX. I can not afford this. I spent hours waiting on hold and talking to different Mohela representatives, but nobody could tell me why my payment increased by over 2x, or how to fix it. I was told Id have to re-apply and wait another month for the SAVE application to re-process. 

I decided to apply for a traditional payment plan ( not income based ) on XX/XX/XXXX to avoid another month-long wait and processing error with the IDR plans . The plan I chose is the graduated extended plan, with a payment of $ XXXX. 

At the time of this writing, not only has my graduated extended plan NOT yet been processed and approved, but Mohela is still showing my monthly payment as $ XXXX starting XX/XX/XXXX. And my forbearance has ended, even though Mohela is still processing my application all these months later. 

Ive sent 4 messages through Mohelas website ( first message sent XX/XX/XXXX ) and none of my messages have been responded to. Every time I call, Im on hold, sometimes for several hours, and given the run around, told to be patient, etc. Ive been very patient, but at this point this is totally unacceptable, and worrisome to have my student loans managed by such an unorganized company. I requested to be transferred to another servicer, but nobody from Mohela could tell me how to do this. I want my graduated extended plan to be processed and officially approved so I can start making payments. I also need information on how to get my loans transferred to a better servicer. Please help me : (