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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} 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 Balance Owed : {$17000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$11000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Owed XXXX {$17000.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During the pandemic my son who is the main person in the loan contacted the loan company and asked for a forbearance due to the covid 19 situation. A cording with the federal Government students couldn't excuse for 3 months without been report to the credit bureau. After My son called to the loan company Sallie Mae the reported my son and myself for late payment for 90 days, violating federal rules. I called sallie mae and their representative stated to me numerous times that they are private lender and they don't have to follow federal regulation. That whatever federal government said doesn't apply to them. 

This is my second complaint and the first one someone from sallie mae called me and stated that they will take care the issue, however, that was a lies. I spoke with a representative on XX/XX/2021 and he stated that they are private lander and the federal regulation doesn't apply to Sallie Mae. 

My son is making payment on these loan and they have don't care about poor students, Sallie mae use dirty practice and customer service are very rude. 

I want them to remove my name from my son 's loan since he is working and able to make payment. We submitted the cosigned removal report to sallie mae and the rejected our request. 

I want Sallie mae to remove our name from Credit bureau because its affecting our credit report without any reason. 

I want federal government to open an investigation on Sallie Mae regarding student loan because they using dirty practice to collect money from poor people that cant afford to pay now and for not follow federal guidelines. 

The student loan # XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion removed a closed account early XXXX ( or late XXXX ), within a montb they put the information back on without sending letter within 5 days per the fcra 611 ( a ) ( 5 ) ( b )! they account was closed/removed now its back on showing open. i was never notified of these changes per the law states
Product: Student loan

I applied for the SAVE IDR program on XX/XX/XXXX. I've called MOHELA, my servicer, three times since then checking on the status of my application. Each time they've said it will be finished by " next week. '' Still no information. I attempted to call a fourth time, today, XX/XX/XXXX, had a XXXX hour wait, only to be told the customer representative that they couldn't help me with my request. They then " transferred '' me, which evidently took me back to the beginning of the waiting queue, where I waited another hour but I had to go to work before my call was answered. 

MOHELA has been completely unhelpful for the past several months. My online message also hasn't been responded to in the quoted time of three business days. 

MOHELA 's customer service has been unreasonably difficult and completely unhelpful in my case.
Product: Credit card

First, we do not use this card or carry it with us. While on vacation we received a text about 2 suspicious charges on the card. We called the number in the text immediately and confirmed the charges were not ours. one was XXXX and the other was XXXX. Both were apparently done online. When we returned home, we received a letter from Truist telling us the charges would be removed from the card balance and we would not be required to pay them while the investigation continues. We would be required to pay any other balance. We did not have a balance on that card. The case number is XXXX. They also sent us a new card with a different number on it. We continued to watch our account online to make sure there were no other charges. We saw that they did not remove the charges as they stated they would and so we called them. Each time we were told not to pay, and the investigation had not been completed. We continued to call on a regular basis to get this resolved and each time we were told the same thing. We have called at least 20 times. We have been told that someone would call us back and they never did. We have been left on hold for 55 minutes. They even sent us a gift card to make up for all of the inconveniences. Each time they say they are escalating it and to call back in 5 business days. I told them this is unreasonable, and I do not want to have a negative mark on my credit report, and they just told me that I could dispute that. Again, their letter states that I am not responsible to pay it and they would remove it from my credit card balance. Today, I find out that they have in fact reported us as having a past due balance to the credit bureaus. I see that there have been other reports with nearly identical circumstances reported on this bank. They told us that they have 3 billing cycles to complete their investigation and it has been 3 full billing cycles and nothing at all has been done. I have never had this type of problem with a bank before and I have never had a late or missed payment. I call the fraud department number and never get a person in the actual fraud department to talk to. They tell me they are back-office personnel and don't speak to customers. I am at a loss as to how to get this resolved. Please advise on how to proceed. These are fraudulent charges, and we are supposed to be protected. We do everything we can on our end to protect ourselves, but the bank does not stand behind us on their end. Also, we get two statements every month. One is for the old card number and has one of the fraudulent charges on it for XXXX. The other statement is for the new account number they gave us and has the other fraudulent charge of XXXX on it. Each account statement is accruing fees. When we call, they can never find the account statement that is under the old account number. Yet, both statements can be found in our online account under documents.
Product: Credit card or prepaid card

I was using my discover card and all of a said they decided to restrict my usage and zeroed my card out and closed my account. I had my card stolen and they did nothing to help me out. They want me to pay the balance and I can't use the card. They also lied to me about the interest rate and some other things on the card. I believe that I should not have to pay them as they falsely advertised certain deals on the card. I would like to not have to pay them with all of the intersts that is owed. I just disputed fraudulant charges on my account and discoer did not help me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had erroneous reports on accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX Balance : {$25000.00} XXXX  XXXX Balance : {$0.00}
Product: Debt collection

I believe that I am a victim of identity theft. Due to the CoronaVirus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches.I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I did. I did not receive an actual proof, physical firsthand documentation of the payment history and proof of last payment and these violations persist on my credit report.I just had to escalate to CFPB.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 reported in to be removed.

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 SERVICED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( 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! 

Delete the late payments from my consumer reports
Product: Student loan

I submitted a refund request for my student loan payments made during COVID forbearance on XX/XX/XXXX - I was originally given a timeline of 150 days to receive this refund for a total of {$21000.00}. 

A customer service representative then told me in XXXX, XXXX, that my refund request was still being processed. 

I had another chat with customer service on XX/XX/XXXX. I was originally told that they could not locate my refund request. After I pressed the representative on this issues, I was told they found my original request and that it was still in processing. I was told that there was nothing more that they could do because my request was in the hands of the Department of Education. 

I had another chat with customer service on XX/XX/XXXX. I was again told my refund request could not be found. After pressing the representative on the issue, I was told that my original request was erroneously entered as a request for a payment history report instead of a request for refund. 

It took 7 months and several chat with customer service to discover that my original refund request ( for over {$20000.00} ) was never submitted due to an error from the company. I was effectively lied to by the company on three separate occasions, and these lies have caused significant financial hardship. 

I made it very clear on several occasions that I was expecting a refund from the company, and I was told on each occasion that the refund was being processed. The company never once reached out to me to inform me that there was an error with my original request. Because of this, I will likely go several more months without receiving compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 : States a consumer reporting agency can not furnish a account without my written instructions.

I was promised the late payments on this account would be removed from credit report by a representative of this company. This company has violated my rights and have not honored their promised as agreed upon.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters
Product: Debt collection

XXXX sold my debt to third party who is contacting me to pay the balance of {$440.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got off the phone with an agent at Equifax who refuses to remove the inquires that are on my credit report that were included in the FTC report that I submitted on XX/XX/2023. The agent said they do not have a copy of the FTC report and therefore can not remove these inquiries that should have been removed 2 months ago. I already submitted the documents via the CFPB on XX/XX/2023. The CFPB complaint # XXXX. FTC report # XXXX I also included all of the other documents REQUIRED by federal law to have these fraudulent inquiries removed. I even double checked before calling Equifax today to make sure all of the documents were there. I also checked while on the phone with the agent and the FTC report along with my ID and proof of residency are definitely in the complaint I files in XXXX. It also show that Equifax opened the compliant. Which means they also received the document they are lying and saying they have not received. I was told by the agent even after giving her the FTC report number that the document does not exist. The same document that I sent and uploaded before... I will be attaching the same document TODAY. This is XXXX ridiculous. I am sure the company that is responsible did not have to go through this much XXXX and hassle to add this fraudulent info to my credit report. THIS IS NOT FAIR!!!
Product: Credit reporting or other personal consumer reports

T

his is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. Outstanding Compliance Issues :
Product: Debt collection

I'm unaware of this debt, I didn't have the opportunity to dispute this debt/information If you believe that you gave proper notice, please send me the certified receipt with my name and signature
Product: Debt collection

I had spectrum/charter internet for a short period of time when we moved to our new home. I work from home and require a good internet connection. I continuously lost connection and was told by IT after several attempts to fix the issue, that I needed to exchange the equipment at their local store. On XX/XX/2020 I returned both pieces of equipment to their XXXX  location ( 2 part router ). They gave me a different router which was only 1 piece vs 2 this time. It wasn't long before that router wasn't work, so they sent a tech out and exchanged that router for 1 router identical to the 2nd router ( 1 part router ). After losing connection over and over and being threatened with my employment, I finally gave up and changed companies. I immediately returned the router. All routers were now in their possession and I paid my final bill timely. I later received a letter saying a router was not returned and immediately contacted their office. I wasted nearly 2 hours on the phone and was told they would look into locating the item. I figured they located it and all was well until a few months later, I received another letter saying I owe for a router. Once again, I contacted their office and it was a repeat of the prior conversation. I thought they finally rectified the situation, however, just learned that they instead reported it against my credit a few months back. I should not be penalized for their mishandling as I did my part to return all items timely. I only had their service for a few short months and it was a nightmare. Every time I called for tech support due to the router not working, I just kept getting transferred around. There was only 1 tech that attempted to help me, which was just before I exchanged the router instore. I immediately switched to XXXX and have no use for their router. It doesn't make sense that I would only return half of the 2 part router, and that they would agree to give me a new router, if I didn't return both pieces that day instore. To clarify, they're claiming the missing item is 1 of the 2 part routers ( initial router set ), which was returned instore on XX/XX/2020 in exchange for a 1 piece router. They would not exchange a new router had I not returned all equipment. I have wasted enough time going back and forth over a XXXX item which is absolutely ridiculous. Their employees should be more accountable and/or their systems should verify items returned. I thought the receipt he gave me was sufficient and sent it to the company multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed account with XXXX XXXX XXXX for a auto loan taken out in XX/XX/2012. I had 1 missed payment and voluntarily returned the car. My report still shows current but is reporting up to 24 missed payments totaling $ 8000+ due now. I believe this debt is a charge off but is reporting monthly to damage my credit history and by therefore keeping me at a higher interest rate. Please help me correct this intentional injustice.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX this account was opened XX/XX/year>. 
Since then the account balance has continuously been updated. This is an update in payment history. This inaccurate information falsely manipulated the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following my accounts.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

usbk court middle florida all inquires that is listed on my credit report
Product: Debt collection

On XX/XX/2021, I received a letter from MBA LAW stating that I owe {$6700.00}. The letter says that no attorney has personally reviewed the alleged account, and that the debt was bought from the original creditor. I have no knowledge of the debt. The same account was added to my credit report 5 different times all three bureaus, dropping my score over 80 points.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. 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 reported in XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX, XXXX XXXX ON XXXXXXXX XXXX XXXX AND XXXX AND XXXX ON XXXX XXXX to be removed. 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 XXXXXXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( 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! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous inquiries in my credit file ; however, there are still many unverified inquiries that need to be DELETED. The credit bureaus must verify these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed inquiries be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am making this complaint because there is a problem with the procedure used by XXXX XXXX, Experian, and XXXX to block information resulting from identity theft. I was a victim of a threatening crime where I was XXXX XXXX XXXX XXXX  and my wallet with my credit cards and other personal data was stolen. Since then every account in my name has been tampered with and someone has been attempting to use my name and likeness continuously. I filed an identity theft report with the Federal Trade Commission and even filed a police report. I submitted all those documents including my proof of identity and proof of address to a 3 credit reporting agencies. Many of the accounts were permanently blocked, removed and deleted except for XXXX XXXX XXXX XXXX XXXX accounts. I want those accounts permanently blocked, removed, and deleted from my credit report immediately because it is only fair and reasonable. Please see attached notice.