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

Transunion says : " CNFA '' XXXX XXXX XXXX XXXX Ohio ( XXXX ) XXXX on XX/XX/XXXX : lodged a credit hit. I did not open this, it's using my stolen id. 
I spoke with their fraud dept : XXXX and XXXX. 
Called Transunion M-F XXXX, Sa-Su XXXX ( XXXX ) XXXX XXXX says : XXXX XXXX XXXX XXXXXXXX '' XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX lodged a credit hit. I did not open this, it's using my stolen id. 
Called XXXX  XXXX XXXX had the XXXX complaint lodged on XX/XX/XXXX. 
They ran an investigation upon my request and found : " The Results Of Our Reinvestigation >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' I did not open this account and it's dragging my credit score way down.
Product: Student loan

I am currently enrolled in the XXXX plan, and my account is under forbearance. Under this plan, and as stated multiple times within all emails I have received and even on the MOHELA website, I should not be accruing interest while in forbearance. Currently, on the website, my interest rates are set to 0.00 %. However, interest continues to accrue. My credit score has been dropping due to these increases, and currently, it says i owe {$440.00} worth of interest on all of my loans. When I attempt to look at each individual loan, the apr is NOT set to 0 %. I have tried multiple times to get into contact with a representative from MOHELA to address this problem, to which I have been ignored, placed into three hour long waiting periods, and even hung up on. My emails have not been responded to and none of my applications have been reviewed. I would like for all of my loans to actually be set to 0.00 %, and for all of the interest accrued to be removed from my account, as I certainly will not be paying it. I have read about countless others running into this issue with MOHELA, as well as them not being able to have the issue resolved as they have also been completely disregarding by their customer service team. It is not fair to any borrowers that this interest is accruing when we were told very blatantly that it is not, and especially when payments are not allowed to be made in general. This is not something that anyone can just " wait '' for, it is our money, and affecting our lives. I encourage MOHELA to listen to their borrowers, and for them to handle my account accordingly, and remove all of the interest that has added up.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is being sent to you in response to the account furnished in my Report. 
When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. 

According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment.

Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






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: Checking or savings account

Hi, I was with Wells Fargo from XXXX XXXX and was always being charged tons of XXXX XXXX. Also Always being penalized from a savings account I didnt authorized, was told the savings was open to avoid fees as long a transfer from my checking account would take place monthly. I was wondering if I qualified for any reimbursement from them with this lawsuit. Thank you
Product: Mortgage

Since LoanCare aka XXXX took over my mortgage from XXXX who went through bankcruptcy. I constanly got charged with late fee. Before XX/XX/XXXX my principal and interest was {$610.00} Escrow was {$170.00}. I have my bank send automatic payment of {$200.00} weekly, that was more than enough to cover the monthly bill, however XXXX still charged me {$30.00} late fee. 

XX/XX/19 I requested to drop the Escrow, I will pay Escrow by myself from that day forward, so starting XXXX I only required to pay {$610.00} however my bank continue to sent in {$200.00} a week and they still charged late fee, they receive minimum of {$800.00} a month for {$610.00} mortgage bill, I been paid XXXX this way for years and never have any problem. I have call them multiple time to request them to drop the late fee but they keep getting me run around. Early XXXX I inform XXXX represenative that I have requested my bank to send automatic payment to XXXX {$610.00} two time a month which is double the amount required. Yet they still charge me late fee for the month of XXXX.
Product: Student loan

On XX/XX/2023 I submitted my Teacher Loan Forgiveness application. About a month later, I received the denial letter in the mail stating that the CAO signature was predated, which it can not be, and that I needed the CAO for all locations served to sign the form. However, the application states that if a CAO at an organization has access to records to verify for all locations, then they are able to do so as long as the other service locations are listed on a separate page, which I had done. 

On XX/XX/2023 I resubmitted my application with the requested adjustments. About a month later, I received a denial letter in the mail stating that one of the CAOs was missing a signature and a printed title next to their name. 

On XX/XX/2023 I resubmitted my application with the requested adjustments. About a month later, I received the denial letter in the mail, stating that the date next to one of the CAOs signatures was cut off ( the last digit in 2023 was halfway missing on the scan ). And that I needed to submit a separate page 1 for all page 2s. I hadnt submitted a separate page 1 in the other two submissions, so I am not sure why that was only mentioned on the third denial. 

On XX/XX/2023, I resubmitted my application with the requested adjustments. About a month later, I received the denial letter in the mail, stating that all of the page 2s were illegible and needed to be resubmitted. However, the same page 2s had been submitted 4 times now, with minor changes to fix the errors and not once was it mentioned that they were illegible. When looking at them, they are, in fact, very legible ( attached to this submission ). 

I have reached out to them several times to see what needs to be done to get this taken care of, as it seems that they are simply trying to delay the forgiveness process now that payments have started again. I can not get through to anyone who can answer my questions and I am getting frustrated with this. The CAOs are also becoming increasingly frustrated, as theyve had to fill out the paperwork for me on four separate occasions now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$1200.00} ; CHILD SUPPORT XXXX XXXX XXXX XXXX XXXX {$50.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$790.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union will not update my credit report. It states that I have 12 years of late or delinquent payments. This is not true and late payments do not show on my credit report. I have called several times and can only speak with a support agent. I have asked what are the late payments and why doesn't XXXX  and XXXX  show the same information. I have asked these questions and have only be told that it could be multiple reasons but never have I been given a straight answer. I have been denied credit because of Trans Union and have had to use a different method which charges higher interest rates On my bank statement they use Trans Union to show my credit rating and when I look at my credit score it reads a poor. I have tried to dispute this message but can not on Trans Union credit bureau nor can I establish a complaint with their support group. In 2008 I did lose my job and went through a rough period for a few years but that was years ago. Even a bankruptcy is removed from a credit report by law after 7 years or less I think. How long will I be penalized? I need your help.
Product: Credit reporting or other personal consumer reports

ive became aware of this fraudulent loans being open under my identity due to various calls this was later followed by dmv contact me about my address change which i didnt not authorize over the last few months i contacted police the credit and banks try to impose my right and have these fraudulent accounts and inqurie removed i am a victim of identity theft and have enclosed a copy of my police report/ftc/license and social security card, i am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. i have relate to any transactions that i have made therefore, i am requesting that these accounts be completely removed and blocked from my credit file. this is not a regular dispute i have filed a complaint with the federal trade commission to document to document beimg a victim of identity theft.
Product: Checking or savings account

Cash app don't have live people to talk to cause money was took from my account and I've tried to call to talk to someone about it and know one to talk to about my account and didn't get my money back
Product: Credit card

I started a new credit card with Citibank. When I first owed {$10.00} on the card in XXXX 2015, I called customer service at Citibank to see how best to pay the debt. The customer service representative said that I had a year of 0 % interest on this card, and that I did n't need to pay it off. She recommended that I wait until I accrue a larger debt on the card as it did n't matter when I payed it, during the first year. She said there was no penalty for the first year. Based on this information, I did n't make a payment at that time. 
The problem is that in XXXX of 2015 I received a call from the collections department of Citibank saying that I was over 60 days overdue and that I had been reported to the credit bureaus. I tried to explain and the lady did n't want to talk about it at all and said I would have to talk to customer service about the report to the credit bureaus.. I was furious. 

After immediately making a payment, I contacted customer service at Citibank and they said they could n't do anything, and that my only recourse was to contact the XXXX XXXX department by mail only. This I found ridiculous as I am being given the run around and not being taken care of as a customer. They told me exactly what to put in the letter including the last XXXX digits of my credit card number. 
I write a letter to the department explaining that I want them to call me and to fix the report that they made to the credit bureaus because I had been misinformed by their company about making payments. This letter was dated XXXX/XXXX/15. 
I received a letter from the XXXX XXXX Department dated XXXX/XXXX/15 asking for my credit card number and a copy of the credit report. This incited me even more because they are wasting a lot of my time with the slow correspondence by letter, and they did n't call as requested, and they are requesting information that they already have. 
I respond on XXXX/XXXX/2015 demanding that they call me and make some real effort to rectify the situation with the credit bureaus. 
The XXXX XXXX Department responds with a XXXX sentence letter dated XXXX/XXXX/15 asking for another letter from me explaining my situation ( already did that in my original letter to them XXXX and a copy of my credit report. They are clearly trying to wear me down with their red tape and letters. 
I finally respond with a hand written note on their last letter stating that I am contacting you, the CFPB, to file a complaint and seek resolution. I 'm including copies of all letters in this filing.
Product: Credit reporting, credit repair services, 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 U.S.C 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX 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 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 an consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I'm being charged an " adjustment '' on my student loans after I paid them off XX/XX/XXXX ( paying off a balance of {$4700.00} ) After receiving SEVERAL confirmation emails congratulating me on paying my student loans and over 3 years ( XX/XX/XXXX ), I suddenly received a notification from Navient telling me I had two balances on my account. I called them immediately to ask about this and they said they would investigate. No one got back to me. 

I followed up today since I had this flagged in my email and Navient keeps emailing to pay this new balance. A Navient customer service rep told me to check this special inbox I never had seen before in my account that has this letter : " XXXXX, the response to your recent student loan account request can be seen below. 
Your loans were previously paid in full. However, due to adjustments made to the account on XX/XX/XXXX, requested by the Department of Education ( XXXX XXXX XXXX XXXX ), a balance was placed back on the loans. You will need to contact them regarding this adjustment. 

You can reach them at XXXX. We apologize for the confusion. 
Were here to help Were happy to help you navigate your options, provide you with resources, and answer any questions you have as you repay your loans. If you have any questions about your account, visit us online or give us a call. '' The rep told me this is a U.S. Department of Education issue and that I need to call them. 
-- -- -- - I call the 1-800 number to the U.S. Department of Education and speak with XXXX ( ID XXXX ) and she discovers that I'm not even in their system. They can't even find me with my social security number. She suggests then I be connected to the Loan Default department to see if my loans went into default. I waited another 30 minutes on hold and was connected to XXXX ( ID # XXXX ) who also says I can't be found in their system and that my loan is serviced through Navient. And that I need to contact them. She also suggested I send physical proof of all correspondence about my paid off loans to this address : " US Department of Education XXXX XXXX XXXX XXXX Texas XXXX '' She said it would probably take 8 weeks to hear anything back. I'm really frustrated and dismayed with both Navient and the U.S. Department of Education on how my loans were handled. 

I also just tried calling Navient again and they won't connect me to customer service after being put on hold at least 3 times and waiting about 2 hours while I'm watching my small children at home. 

As you might tell, I'm pretty upset and disturbed by all this. It feels like no one is taking the blame for the matter and Navient is trying to charge me after 3+ years. It really makes me concerned that they are doing this with other individuals who have loans serviced by them. 

Does it seem fishy that I am now being charged {$230.00} after paying off my loans in XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX was closed in good standing years ago, and should not continue to reflect an open line of credit. 

Despite this, it still shows as open on my Experian credit report, despite being closed on my XXXX and XXXX reports, and having been closed for years. I have disputed this multiple times ( e.g. Experian dispute XXXX on XX/XX/2023 ) over the last year, and each time the account has been upheld. A statement is recorded on the item, but I would like this line completely closed on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 1 ) XXXX XXXX XXXX, ( 2 ) XXXX XXXX XXXX XXXX, ( 3 ) XXXX XXXX XXXX, ( 4 ) XXXX XXXX XXXX, ( 5 ) XXXX XXXX XXXX. 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.
Product: Checking or savings account

As a member of the bank for close to two years I noticed that my institution is avoiding that they are insurance backed ( FDIC ) for my safety. Relatively speaking on a more recent case I the customer have submitted a case in the amount of {$610.00}. To sum up this incident, The merchant ( XXXX XXXX XXXX ) sold me a product that was not described. I immediately contacted my bank to file a claim and to let them know that I am immediately returning it and also to point out that the sale was frivolous. The bank then took my claim and processed it. They went back and fourth with merchant without involving or taking my allegations serious. I the CUSTOMER had to do ALL of the hard work providing documentation and also directly putting myself in harms way by personally asking for documents directly from the merchant which my bank should've done. Recently speaking I called my bank to escalate claim because at the moment they were dragging feet and also didn't want to provide me any updates for over a month. The Bank asked me the consumer to submit documentation, I provided a receipt from merchant siting that items were returned on XX/XX/2023 and was time stamped also, Merchant also provided me with a document stating they were not disputing the claim because items were returned. Since claim was filed before merchant received items they provided me with all document that items were returned and also that my bank should return my funds per investigation ending. The merchant did it this way to prevent double credits which would incorrectly increase account balance and be taken back on a later day by banking institution. As for my Banking institution everything was provided to them to credit my account. The bank answer to me was they denied the claim. Bank was given all information to return my money on there own through dispute especially after merchant agreed.