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

On XX/XX/2020 I had obtained a 3 bureau credit report and notice that XXXX, XXXX and Transunion are reporting false accounts on my credit reports. These listed accounts need to be verified immediately and corrected on my report.
Product: Student loan

I am filing this complaint with the CFPB regarding my federal student loan servicer, MOHELA. MOHELA must move my loans from processing forbearance ( where interest accrues ) to general forbearance ( where no interest accrues ) because it has taken MOHELA more than 60 days to process my SAVE application, yet they have refused to take this action in violation of the relevant federal guidelines. 

According to https : //studentaid.gov/announcements-events/save-court-actions : If servicers need time to process a borrowers IDR application, servicers will move the borrower into a processing forbearance for up to 60 days. Interest accrues during this short-term processing forbearance If the borrowers application is not processed within 60 days, the borrower will be moved into a general forbearance... Interest will not accrue in this general forbearance. See Student Loan Borrower Q & A, I want to enroll in the SAVE Plan or another income-driven repayment ( IDR ) plan or consolidate my loans. What do the recent court rulings mean for me? 

According to the same source : " Additionally, time spent in processing forbearance ( up to 60 days ) is eligible for PSLF and IDR credit. Processing forbearance will last no longer than 60 days, at which point a borrower may be placed into general forbearance under the terms described for that status. '' See " How does forbearance affect me? '' I submitted my SAVE Plan application on XX/XX/year>, and as of the date of this XXXX days have passed. MOHELAs failure to transfer my loans to general forbearance after the allowed-for 60 day processing period has resulted in unlawful interest accrual for XXXX excess days. Despite calls, MOHELA representatives continue to insist that they are powerless to make this transfer, contrary to the federal policy on studentaid.gov.

On one of my calls with MOHELA, the representative confirmed that I should be on an interest free forbearance, that I have a pending SAVE application, and I have been on the processing forbearance for more than 60 days. Despite this, they claimed that MOHELA is incapable of transferring to a general forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of trying to build a home. I was denied and I could n't understand why however, when I pulled my credit report I understood why. I was really so upset that so many accounts were reporting on my credit report that I had no knowledge of. I did contact the creditors but they would not do anything but try and make me pay for debt that was not mine. I have written letters and still nothing has been done. Please help me. The following accounts are on my report and are not mine.   XXXX   XXXX   XXXX  . This is an account that I have no knowledge of and it is not my debt! There are  XXXX  US Department of Education on my credit report. These are not my accounts and I have no knowledge of these accounts.   XXXX   is also reporting  XXXX . These are not my accounts. I work very hard to pay my debt however I refuse to pay a debt that does not belong to me. Please help me! This is a type of fraud that these creditors continue to report this false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently contacted XXXX  XXXX about negative reporting on my credit report and received the following letter. The letter contains not only inaccurate information, out right fabrications and impossible and unexplainable excuses. First of all XXXX  XXXX claims they denied my application for a repayment plan on XX/XX/XXXX because I was already on a deferment until XX/XX/XXXX and that it wasn't signed by my spouse. One I was not married and had no spouse, secondly why not just wait and process my application at a later time. Second XXXX XXXX claims that they sent me a denial letter and on XX/XX/XXXX received mail back from the Post Office claiming that my address was invalid. I have lived at my current address since XX/XX/XXXX and have never moved. After contacting the postal service I was informed that they have no record of my address ever being invalid. Also the loans that were reported as being reported negatively now were loans 19 through 32, yet my loans 1 through 18 were just fine and my address was working well for all mail dealing with them, how is this possible? Third XXXX XXXX then claims that they found a valid address for me listed as XXXX XXXX XXXX XXXX OK. I have never lived in OK in my life. As soon as a letter was sent to this address in OK, XXXX  XXXX received a letter back stating that that was not my address. Fourth XXXX XXXX then claims that they contacted me by email and it was also returned as being invalid, my email address XXXX has not changed and any other email that was used I have no information about. XXXX XXXX also claims they called my phone number and lfet messages, I never received one single phone call. I have had student loans with the federal government since XX/XX/XXXX and have never missed a payment and was making current payments when these supposed loans 19 through 32 were going unpaid. I am extremely upset about all of this and I want the negative credit reporting from XXXX XXXX to be removed. If this is not done I am going to take legal action under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Mortgage

On XX/XX/2021 I was advised by a XXXX XXXX  at Bank of America that the fastest way to pay off the existing mortgage is to initiate on online transfer of funds between two accounts at Bank of America. I was assured it would take approximately 3 business days and given a payoff amount that I agreed to. When I called on XX/XX/XXXX to check on the status of the transaction, I was told it was being processed with the completion date of XX/XX/XXXX. On XX/XX/XXXX, I was told that the transaction failed, because the amount given to me was incorrect and the new XXXX XXXX was initiated. On XX/XX/XXXX, I was told that there is no explanation as to why this wasn't processed and the new case was started with the assurance that this time it was definitely going through within 24 hours. On XX/XX/XXXX I called again and was once again told that the transaction if going through and should be completed within 24 hours. On XX/XX/XXXX, I was told that the supervisor will call me back to figure out the best way to resolve the issue - nobody called me back and I was actually given a fictitious name of the supervisor. I've asked during several calls to initiate the wire and was assured that automatic transfer would happen anyway. Please help. I need to payoff the mortgage ASAP.
Product: Credit reporting or other personal consumer reports

1. XXXX weeks ago, I received a credit alert stating that I was XXXX  days late on a payment to self.com ( the agency that filed this does business under the name XXXX XXXX XXXX  ). 

2. XXXX identifies itself as a credit builder or entity designed to boost one 's credit score based on paying one 's apartment rent. I do not have an apartment.

3. I have completed an exhaustive review of all digital searches, visits, and emails from Self.com.

4. There is a document that I allegedly signed ( digitally ) on XXXX XX/XX/year> stating that I had received or would receive a check for ~ $ {$700.00} and that I would pay this debt within two years.

5. I have never received any money from Self.com because I never requested any of their services.

6. My first interaction with Self.com occurred on XXXX XX/XX/year>, and it was initiated based on an advertisement for their credit building services ( apartment rent ). Because the advertisement was obtuse, I visited the site and found their services irrelevant to me because I do not have an apartment. 

7. I find it disturbing that an agency would report late payments on an account that does not exist in my universe ; the agency never mailed, called, emailed, or texted me about any adverse credit reporting they had sent to the three major credit reporting companies.

8. I first learned about the harmful and fictitious reports when my subscription to a credit monitoring company sent me an alert in XXXX 2024. 

9. For the sake of clarity, Self.com shows a contract dated XXXX XX/XX/year>. My first exposure to their company was on XXXX XX/XX/year>, yet somehow, they managed to successfully, and with malicious intent, file a XXXX late report. 

7. Self.com 's fictitious and harmful report dropped my credit score by XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer report and noticed 2 late payments on an account that I was never late for the Consumer Reporting Agencies to assume a vital role and have and have a responsibility to report Consumer information to the best of the ability with Maximum Accuracy. I have never been late on the payments for the account XXXX XXXX XXXX Account # XXXX. Please Investigate and provide Proof with statements showing that these late payments were late. If proof cant be provided I demand these late payments to be Removed or Updated to show that it was never late.
Product: Credit card or prepaid card

My deceased husband, XXXX XXXX, purchased hearing aids on my credit card that didn't work. The seller was not fixiing them per their warranty. I contacted Citi Bank and they kept telling me I had to work it out with the supplier. The hearing aid company was not returning any calls. When we went to their office they were no longer there. I contact Citi Bank and put in a dispute. 

Citi Bank should responsible for the information their representatives give to a customer, however they claim they are not. 

I spoke with XXXX in Customer Service Accounting and she told me it doesn't matter what their agents tell someone because they are human and make mistakes. I requested, in writing, a copy of the voice recordings from my 2 calls and never receive them or got a response to my request. 

XXXX said she had listened to the 2 recorded calls in which I spoke with 2 agents on different dates who both told me my dispute was approved. Later during that call she admitted she hadn't really listened but would. On the first one approximately XX/XX/27 I requested a check be sent to me. He took all the information and said a check would be sent to me if I preferred that over refunding it to my bank like they normally do and I said I did. 

On my second call, first week in XXXX they apologized for the delay. They told me the check was being released and mailed on XXXX XXXX. I mentioned to her if I couldnt wait for the check any longer could I use the credit if I had to. She said that would work too. 

We left for our investment house in NC where I had to order appliances. In so doing I used my credit that they told me I had won the dispute on. Before I used the credit I called one last time and confirmed the credit was still there and I could use it. That agent said I could go ahead and use it. They always tell you all this is on a recorded line. So they have the records. 

When I got back to my home in PA I had a letter Dated XXXX from Citi XXXX I enclosed a copy. Their letter verifies that they were not able to send the refund to my bank on XXXX XXXX because I had used up the credit instead. 

This letter from Citi verifies that the XXXX agents that told me I had gotten the disputed settled in my favor. Because I used the credit before it was sent to my bank per their letter they were not able to put it back into my bank. 

I believe once they fould out how old we were they decided to change the status of our claim approval decision.
Product: Credit reporting or other personal consumer reports

I am attempting to REMOVE A DISPUTE ( NOT a DEBT ) from my EXPERIAN credit report. I'm trying to buy a house with an FHA loan and can't qualify while the dispute is there. 

I've called Experian several times and have been told the dispute will be remove, but it persists. It's been well over 90 days of attempting this, all the while I'm stuck with renting/or living with others. 

Experian is extremely difficult to get ahold of. Recently their automated system refuses to connect me to a person and sends me in circles back to their website which directs me to call the number. This is verging on criminal activity for a foreign company that's holding American citizens financially hostage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX opened on XX/XX/2020 in the amount of {$900.00}, XXXX XXXX XXXX XXXX opened XXXX in the amount of {$300.00}, XXXX XXXXXXXX XXXX XXXX XXXX  opened XXXX XXXX In the amount of {$18000.00}. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

When I began with my credit card. I made normal payments like usual on them for a consecutive amount of months no problem.however around XXXX the card went missing so I was checking to see if the card was closed. They let me know it should be done and I waited awhile for everything to go back to normal. More payments soon appeared onto the card and I asked the bank if the card was really closed, but instead they closed down the account And didnt allowed me to no longer access my account directly. Soon after even when the account kept being messed with after this event I still wasnt let on what was happening. They finally lmk that I owe them over XXXX dollars worth from what was built up on my credit card from this fraud but had no idea why they couldn't just prevent any use of the card.my only concern then was to find a answer to which they told me they came to the conclusion it was me or someone I willing let do this. I dont know how it makes sense to let someone use up your credit card when I clearly said close it but they didnt want to listen. This needs to be fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

I was working with a mortgage lender through First National Bank and asked her to get me a quote to see what my odds of approval were based off of my income and debt. I specifically told her several times I did NOT want my credit ran until we knew I could get approved for a loan, and then we could decide to run it later and talk about which loans I wanted to apply for. She said the only way she could look at my taxes is if I uploaded my documents to the application link she sent me because she couldn't access them on her personal computer via dropbox, or any other means. She stated there would be a section on the application to state that I didn't want my credit pulled. I went through all the sections, demographics, etc. and then uploaded the 1099 's and taxes for XXXX and XXXX. I then received an Alert that there was an inquiry on my credit report on their application website, and on my XXXX XXXX  app. I sent her a screen shot of this and she stated that she didn't do it and was in a meeting. I told her it must've been automated, but either way I was furious. She called me once she got out of her meeting and tried to said it was my fault because " I submitted a full application and clicked 'submit ' ". I said " no ma'am, this is NOT going to be on me, I specifically told you I did not want me credit ran, and you said the only way that you could look at my documents was to upload them on this site. I used the same exact process and application with XXXX and theirs looks EXATLY the same and they didn't run credit, so it has to be something with your system, maybe it was automated, or something, but I am not happy. '' I have documentation over text message where I specifically told her I did not want my credit ran. I immediately called the number from the XXXX XXXX  app XXXX and spoke to a XXXX, and disputed the inquiry and told her it needed to be removed IMMEDIATELY because it was not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX or XX/XX/XXXX, Equifax suffered a breach of security via hacking from an online exploit, leading to the presumed theft of millions of consumers ' information. It is my understanding that I may be a victim of said hacking. I confirmed this information with Equifax on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

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 demand the immediate reinstatement of several accounts that have been fraudulently deleted from my credit profile, Since XXXX, I have repeatedly contacted Equifax to notify you of the fraudulent conduct being exercised by your staff members who have accessed my profile without my consent or knowledge. These unauthorized actions have led to the deletion of legitimate accounts and the initiation of fraudulent disputes. These actions are not only unethical but also illegal under the Fair Credit Reporting Act ( FCRA ) and California state law. 

Despite my numerous attempts to resolve these issues, Equifax representatives have consistently refused and denied assistance. As a XXXX individual, Equifax is fully aware of my XXXX, yet continues to exploit it by requesting tasks that are impossible for me to perform or by providing misleading or no information about my credit profile. 

Specifically, the following fraudulent actions have occurred : XXXX. Unauthorized deletion of my XXXX XXXX XXXX account ending in XXXX XXXX. 
XXXX. Unauthorized disputes on my XXXX account XXXX in XXXX XXXX XXXX. XXXX XXXX XXXX XXXX account ending in XXXX XXXX. 
XXXX. Unauthorized deletion of my XXXX XXXX mortgage account ending in XXXX XXXX. 

These accounts need to be added back to my credit profile immediately, and all fraudulent disputes must cease. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), consumer reporting agencies are required to conduct a reasonable reinvestigation of disputed information. Furthermore, 15 U.S.C. 1681b ( f ) prohibits obtaining a consumer report under false pretenses or for an impermissible purpose. Equifax 's actions are also in violation of California Civil Code 1785.16, which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have provided Equifax with multiple police reports and FTC identity theft reports, all detailing specific accounts and the fraudulent actions taken. However, Equifax has ignored these documents and continues to perpetuate harmful and unauthorized activities on my account. This ongoing behavior needs to stop immediately. 

I am seeking compensation for the repeated violations that have led to significant financial losses, wasted time, and immense frustration. The most recent fraudulent behavior involves unauthorized alterations to my account, further exacerbating the harm caused.
Product: Credit card or prepaid card

While applying for a credit card offer with Citibank for a new credit card offer I received a letter of declination. In the letter of declination the reason stated were as follows : denied due to bankruptcy ; previous Citibank card had history of late payments ; current privileges on an existing account was restricted. The letter also stated that XXXX Credit Bureau was used to make the credit decision. So I obtained a current copy of my credit report but none of the negatively reported items mentioned by Citibank existed on my credit report to justify a denial. I called Citibank customer service to immediately resolve the situation. While explaining to a supervisor that I shouldn't have been denied credit based on the information provided in the XXXX credit report, I was informed that I wasn't approved because although my XXXX  credit report reflected that I was current on all of my loan / credit accounts to date, they had used internal information dating back to 2002 ( info which stated that I had filed for a prior bankruptcy that included one of their credit cards ) all of which was being used to base their credit decision on and deny my credit application. I explained that this information is not accurate and that I expect for all internally maintained or reported negative items be removed immediately following FCRA guidelines. I have requested to have all inaccurate information completely removed from any and all of Citibanks internal databases and reporting outside of the approved credit reporting bureaus ( XXXX XXXX XXXX ) following Fair Credit Reporting Act guidelines and due to inaccuracies in their internal reporting procedures, but to no avail.