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

I have contacted the credit bureaus XXXX XXXX, XXXX, Experian XXXX on multiple occasions asking them to remove the bankruptcy ( reference number : XXXX XXXX from my credit report. I have not given consent for them to report this information and 15 USC 1681 a 4 states that, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. This information on my credit report is invading my privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX payment is not being reported as paid on time, and I made payment on time.
Product: Debt collection

I have a collection account being reported from Central States Recovery for {$260.00} that is over 3 years old. I have two issues with this. First, my insurance should have paid more on this debt. Second, this debt is over three years old putting it outside the Kansas Statute of Limitation, which means Central States Recovery is attempting to force me to pay this disputed debt by wrongfully reporting the item to my credit bureau as a means of extorting me.
Product: Vehicle loan or lease

I madde s complaint of wells Fargo closing my debt and reopening it adding interest to an already charged off account that was written off. The original balance isnt reflect and all payment history deleted
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX, I called Experian Credit Bureau, requesting my personal information be corrected and updated. My name ( s ) is incorrect, misspelled, my address is incorrect, and employment is incorrect. My request was to spell my name correctly, correct my address to ONLY my current address and remove other addresses that are not mine. I asked for my old employer and previous employments to be removed. I was told by the Agent that my information could not be removed, but a note could be attached to my credit as a reference. I have several names listed and my name is misspelled. According to 15 U.S. Code SubSection 1679c, I, the Consumer, have the right to dispute inaccurate information on my credit report. I have requested twice by phone and once via mail to have the incorrect information removed. Each violation is an offense fined at {$1000.00} per. I have found a total of 3 ( collectively ) violations.

1. Incorrect name. {$1000.00}.

2. Name misspelled. {$1000.00} 3. Old addresses and incorrect addresses not removed. {$1000.00} 4. Old and invalid employers listed. {$1000.00} Totally {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There was some fraud made on XXXX as someone tried to make accounts under my name. XXXX said they would tell transunion to remove the following the hard pulls as I did not authorize them. Transunion also said they would remove them. Both companies have nothing removed them and they are still on my file. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

This individual agreed to buy something for XXXX USD from me through XXXX XXXX. I then received a mail from XXXX regarding receiving XXXX USD from him however the mail stated that I couldn't receive the amount as I didn't have a Zelle business account the way he did. He then called me and said that he would be sending XXXX USD to me and that he would want me to take a XXXX USD and return the remainder of the total he had sent as said in the mail. He did this with me twice until XXXX USD was out of my account, and I kept on receiving emails that I would have to pay him even more to be able to get the amount I was sending him and a XXXX USD more. In total, I sent him XXXX USD in two different transactions of XXXX USD each through Zelle from my XXXX  XXXX XXXX Banking XXXX. His number used was ( XXXX ) XXXX, and his Zelle account id is XXXX, and his name is saved on Zelle as XXXX.
Product: Credit reporting or other personal consumer reports

I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. This is one of my numerous request to you to correct this in writing. The several attempts by phone were never successful either, as you out source to XXXX and they promise corrections that never happen. I tried numerous times to get my statements from you, but never received them. I reviewed my credit report and that I saw that you have recently began to report me late on this accounts. I also stated that I have previous credit reports from the above mentioned agencies that reflect my account accurately, as paid on time. I explained that I was I never late on this account, and I never received notice as required by the FCRA that you were going to report negative information to my credit file. Furthermore, I stated that I immediately disputed the late payment to the bureaus and that they said you verified the lates to them. As of the date of this letter I have not received a response to my request. Why are you ignoring me? I will not just forget about it. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I got a message through XXXXXXXX XXXX  that states : CREDIT MONITORING XXXX Account update It looks like you received a major derogatory mark on your credit report for your account with CBE GROUP. 

Keep in mind, we monitor all accounts on your credit report, not just the ones you have with XXXX. 


I do not know who or what the CBE group is, the reviews of this place are not good and it seems this company is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account but was never notified of the results. I tried to dispute again and its just giving me errors on the system this is not the first time this happens. It happened multiple times with other accounts also.
Product: Credit card

This is a follow-up of complaint XXXX. FIA Card Services has never sent me their definition of " cash equivalent '' or anything else. In addition, to harass me further, the last statement included a " minimum interest charge '' of {$1.00}. I owe them nothing and that charge was so absurd that their automated line took it off. FIA cheat and lies and is totally irresponsible. There should be some penalties or they should at least tell the truth. They record their calls so al this can be easily verified.
Product: Credit reporting

I experienced a potential identity theft which was made evident when I tried to file my Federal Income taxes electronically on XXXX XXXX, 2016. The IRS told me there was a duplicate submission for my SSN, and I had to follow an alternate filing process. I established a 90 day fraud alert with the XXXX credit bureaus per IRS instructions. I erroneously also added a credit freeze at Experian, which I am trying to remove. The problem is that I ca n't talk to anyone at Experian and they will only ; let me unfreeze the freeze by using their automated system and paying a fee. I read on their page that there is no fee, in my state ( NY ), if the person is a victim of identity theft. I have been trying to get in touch with them for over a week now ( via their web site and email ) and there is no response. It 's like they are a monolithic corporation. It 's not so much the dollar amount, but the principle of it. .... the law allows me to unfreeze my credit at no charge, yet Experian is making that virtually impossible. By the way, they provide no individualized email or phone customer service, from what I can see. Hopefully, I am wrong about that but, that, in itself, is alarming. What about people who have more serious problems? Thank you
Product: Student loan

I requested the School Misconduct Discharge Application from Navient on XX/XX/year>. This information to do so was given by the XXXXXXXX XXXX XXXXXXXX XXXX XXXX, that Navient has the means to discharge these private loans. https : XXXX Navient 's response was on XX/XX/year>. 

The response I received from Navient when requesting the application was " Thank you for inquiring about a school misconduct discharge for your private loans. We have determined that your loans are not eligible because they are no longer outstanding. '' My federal student loans were discharged and any payments reimbursed from the Sweet vs. Cardona case/settlement brought to attention and won by XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. I believe the private student loans paid for and in-process of being paid from my discharge due to the misconduct and predatory nature of XXXXXXXX XXXX shall also be forgiven and reimbursed without regard to their current status. 

I then responded to them on XX/XX/year>, that the loan status shouldn't matter, and along with the federal loans being somewhat paid for, they were discharged and payments reimbursed, that this load shall also be reimbursed due to the predatory nature and misconduct of XXXX XXXX and that I would be filing a complaint with the CFPB. 

I have attached the original DoE ( Department of Education ) Blanket Denial that spurred the XXXX  settlement in to action, the request for reconsideration following the blanket denial, the XXXX  letter stating the settlement was going through, and the DoE 's letter stating the actions due to the settlement proceeding and being won. 

Again, here is the link for XXXXXXXX XXXX information given for Navient Student Loans. XXXX XXXX XXXX
Product: Checking or savings account

on XX/XX/XXXX money was transferred to my fraudulent account. 
I have been a customer Bank Of America for over 24 years my account was compromised a couple months ago instead of the bank closing a compromised account they told me to open up another individual personal account that is not linked to continue banking with them unfortunately the bank decides to go into my independent account and withdraw transfer money to the fraudulent to satisfy the fraudulent account they are not willing to help me I need help desperately. 
Warm regards.
Product: Credit reporting or other personal consumer reports

Third request prior-to filing a federal lawsuit against the CFPB and the CRAs. 
This is my third request for the immediate removal of unauthorized accounts in my name. Upon review of my recent personal credit report, UNAUTHORIZED hard credit inquiries DO NOT belong to me. I immediately notified the Credit Reporting Agencies to no avail. In addition, I have a " fraud alert '' placed on all 3 credit files and has not served anything in protection. The CRAs continued to sell my personal information to third parties offering me credit, loans, and ironically, credit monitoring services. It should be noted that the CRAs are completely unmoved by CFPB filings and have demonstrated no sense of urgency in complying with the complaints filed by consumers. I have filed complaints with the Federal Trade Commission ( FTC ) and to this day after almost 1 year-to-date, have not been able to obligate the CRAs to remove these UNAUTHORIZED credit inquiries through the CFPB process, one which is lame and ineffective by legal standards. CFPB has taken a XXXX position in properly enforcing the Federal statutes although it is now evident that the CRAS has present Class-Action lawsuits pending in Federal Court . 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: Student loan

In light of the numerous attempts to enroll in an income based repayment program for which I have submitted numerous times. Shouldnt my loans have been placed in either processing or administrative forbearance the last few months? At one point a representatitve from mohela said that they hadnt received any income based repayment applications. However, I have submitted this a number of times dating back to with my consolidation loans in XX/XX/year> at this point I have most recently submitted a PAYE application which has been acknowledged as received. 

Previously, I have submitted IBR application ( s ) as well as others however my consolidation loans have never been enrolled in a repayment plan other than the highest payment amount of standard repayment plan. They are citing litigation over SAVE program however this has nothing to do with IBR applications and now that PAYE is re-opened it was claimed that they hadn't received any of my applications?! 

One application I submitted via mail which they also said was never received however it was signed for and marked as delivered. At one point they acknowledged that they had received my applications- AND THEN deleted the forms that I uploaded to their website under documents submitted to us and then said they had not received any applications for income based repayment. It's not possible to even apply for consolidation loans without selecting an income based repayment application and submitting it. 

When contacting Mohlea they place my loans keep being palced in a " voluntary forbearance '' which I never consented or asked for instead of the correct " processing '' or " administrative '' forbearance so that interest continues to accrue on my account I believe for the sole purpose of attempting to generate more money. 


Previously I contacted them with the following but did not receive a reply " I understand it may take some additional time to process however this inquiry and communication is to ask why I have been in a voluntary forbearance instead of administrative or processing seeing as I have applied a number of times over the last few months. If you could, please adjust my record of forbearance to reflect the corresponding administrative and processing forbearance that wanting to pay on my loans under an IDR and having applied which implies a pending processing of them litigation or not, that would be ideal. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans show missed payments on my credit report. This is an error because I completed the forbearance paperwork and submitted it with XXXX  on time. XXXX acknowledged their error with the letter attached. I disputed it with Trans Union, XXXX  and XXXX  and provided the letter that I have uploaded below from XXXX acknowledging their error. Even though they acknowledged that my loans should have reflected that they were in forbearance it still shows on my credit reports that I missed the payments and my credit has been negatively affected. I filed this complaint to all 3 credit bureaus in XX/XX/2019 and provided them with proof ; the letter from XXXX ( attached ). The late payments are still showing up on my credit reports! They have not done their job by removing these late payments from my credit report. The attached letter from XXXX XXXX shows all of my loans, amounts and account status : forbearance. I am now currently making payments on my student loans and am out of forbearance. I have excellent credit otherwise and would like these negative late payments removed from all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to notify Equifax, XXXX  and XXXX  that you of the violation of my rights under Federal law. Understand that if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I requested my information and I have yet to receive anything. 

Please have this company upload the following documentation. 

Last XXXX  months of billing statements, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. XXXX. allocation of payment.
Product: Credit card

I closed my PNC credit card in XX/XX/XXXX. 

I moved apartments in XX/XX/XXXX, and I get a letter from PNC saying they have updated my address for the account that was closed in XX/XX/XXXX. I called to understand why they'd be continuing to get my address information if I don't have any relationship with them -- all I was told was that it could be a system error. 

There seems to be something more to it than just the system error. It has been more than 24 months and no company should be able to continue to track where I am moving in the country. There is absolutely no need for them to track this information. Given the fact that the customer service representatives were not even able to answer clearly, I think this should be taken up seriously and the bank privacy folks should be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the lack of responsibility on the Credit Bureaus ' behalf. When will the Credit Reporting Agencies going to fix all the erroneous information on my personal credit file? For the past 4 months my requests have been overlooked. Discontinue the stall tactics and please delete the disputed accounts reporting erroneously on my Credit Report. Upon further review of my Credit File, I immediately noted the following : a ) Charge Off account continue to report on my Credit File still indicating a balance, for all I know, Charge Off accounts report 0 balance ; b ) the repossessed account was done illegally followed by illegal reporting on my Credit Report ; and c ) the accounts reported are already deleted from the other Credit Bureau, making me wonder why is it too difficult for the other Credit Bureaus to do the same? Under the Fair Credit Reporting Act, I am submitting this CFPB Complaint requesting that the Credit Bureaus must remove the disputed items completely from my Credit Report : XXXX. XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX. XXXX  XXXX XXXX Balance Owed : {$490.00} XXXX. XXXX XXXX XXXX XXXX XXXX : {$10000.00}
Product: Credit card

I purchased flooring at Lowes in XXXX of XXXX. I specifically used my Lowes card because I had the option of free installation or 24 months no interest. I chose the 24 month no interest. I was excited about this because I could set the bill up on autopay in easy amounts, which I did and have been paying. I recently was charged interest on my account and I reached out to Lowes. They claimed that this was a 60 day no interest offer. They flat out lied to me to make the sale. I would have either paid cash or paid the card off sooner. I feel that they were deceptive in their offer and credit communications.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( XXXX & XXXX  ) I am not sure how this happened. I  believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Product: Checking or savings account

This complaint is connected with my two previous complaints about XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX . 
This complaint is to do with Wells Fargo XXXX Bank in XXXX XXXX. 
Mr. XXXX XXXX XXXX got me to send Mr. XXXX XXXX, who is a customer of Wells Fargo XXXX Bank {$2000.00}. The receipt is attached. When it became obvious that Mr. XXXX is not returning money, I instructed my bank XXXX XXXX XXXX to recall the payment, which is what they did. However, Wells Fargo XXXX Bank never returned the funds.
Product: Money transfer, virtual currency, or money service

Yes I gotten an email about a few months ago about a 0 % balance transfer and it doesn't seem to be working and I have tried to call you guys and ask what's going on but nobody seems to know the case. I really need to use a zero balance transfer ASAP during these hard time. May I please be able to use the balance transfer for the 0 percent for a 12 month period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to you to follow up the previous CFPB Complaint I submitted requesting the immediate deletion of the fraudulent accounts and information you report on my Credit File. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to my identity being stolen. I sent a dispute letter on XX/XX/XXXX, with complete attachments of my personal identifying documents as well as the ID THEFT Report I received from the FTC. Please remove the following items off from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please comply with the Federal law and investigate the disputed items and remove them as soon as possible. If you found no legal basis to continue reporting the disputed items, immediately deleted these items from my Credit File.
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 these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX on XX/XX/XXXX. My lease expired XX/XX/XXXX. I returned the vehicle to a XXXX XXXX XXXX representative in good condition. i have pictures and video of my vehicle with the rep in the video confirming the car is in good condition. I also took my car to XXXX XXXX in XXXX XXXX, CA XX/XX/XXXX for a check engine light problem. They kept the car for a few days and they said everything was fixed. I have a copy of the invoice. Today i received a {$440.00} invoice from BMW Financial claiming the vehicle had problems. on XX/XX/XXXX I called BMW Financials at XXXX. I was on hold for 2 hours and finally i spoke to XXXX  explaining my situation. she could not help me so i was transferred to a supervisor and he could not help me either. They claim that the car has mechanical problems and i have to pay {$440.00}. 
Please help me solving this issue.