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

I applied and got approved for an unsecured loan from Affirm on XX/XX/2022 for the amount of {$390.00} with a 12 month term. This Loan has been paid in full on XX/XX/2022. On XX/XX/2022 I received my credit report and Affirm is still reporting an open loan which is inaccurate, Affirm is also reporting an inaccurate balance, and Affirm reported that the balance increased by {$3.00} which is also inaccurate because the loan is paid in full. When I spoke to a customer service representative the only solution that was presented to me was a verification letter that the loan was paid. The Affirm customer service representative suggested I dispute my account with the credit bureaus and send this letter of verification to prove the loan was paid off. The account has already been under dispute and affirm has not responded or updated any information with the credit bureaus.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX  XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX {$2900.00} XXXX  XXXX XXXX ( Original Creditor : XXXX  XXXX AT XXXX ) XXXX BALANCED {$7900.00} XXXX  XXXX XXXX XXXX {$590.00} XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX APPLIANCES I - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/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 XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Today, I learned my bank account was levied for {$1600.00} + {$100.00} legal fee charged by my bank, leaving my account- {$1400.00}. My bank provided the name of the collection agency and their phone number for more information. 

I called United Collections Bureau, was transferred several times and waited well over an hour before I spoke with a representative. I learned that there was a state income tax warrant that was issued, which authorized my bank account to be levied. 

This was the first time I had heard about this issue. I asked the representative to verify the address where their communications and noticed were sent to. They gave me the address, and was completely shocked to learn that they sent everything to an address that I haven't lived at in over 15 years, when there were obviously more recent addresses that could've been used to properly notify me of the debt, because up until today I didn't know that there was even an issue with my 2020 Indiana State Tax return. 

This practice has got to stop, and seems like a very deliberate way for United Collections Bureau to place holds on entire bank accounts, and prevent any actions someone could take to rectify the debt or prevent an account levy.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's a comment on my XXXX account with Experian that should not be on my account. It states : " Account was in dispute-now resolved-reported by subscriber Account previously in dispute - now resolved, reported by data furnisher ( To be used for FCRA or FCBA disputes ) ''. This account was never disputed by consumer. I don't understand why this comment is on my credit file and XXXX account. I've reached out to XXXX, and they stated they did not authorize this comment. Nor did me the consumer authorize this comment to be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax 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 am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit card

I recently made a purchase on a credit card I have had for many years and maintain for credit purposes. I made the purchase so Bank of America would not close one of my oldest credit cards due to non-use ( it's been a couple of years since I used it ). When I went to pay the balance online I was unable to discern my interest rate from the online account. I believe this alone is a problem. It should not be a maze for a consumer to identify the interest rate for their credit card. I wanted to make sure it was still a low interest rate ( around 9 % ) before I started utilizing the card more regularly. I looked at old notices in the documents section of my online account, and it appeared that it had not increased based on that list of documents. Since I had not utilized the card for a while until recently, I was not yet able to generate an account statement. I called the customer service number to validate my interest rate remained around 9 %. After waiting on hold for 90 minutes, I spoke with a representative that said my interest rate had in fact been increased to around 15 %. I asked whether the company had notified me in writing. She said the bank is allowed to adjust my interest rate. I asked whether the bank had sent me a notice of the change. She said interest rates may be viewed by generating an online statement. I noted that I was not yet able to generate a statement ( my recent purchase was too recent for a statement to have been generated ). She said it would show up in a statement forthcoming. I asked if she agreed then that I had not been notified in advance of this change and she agreed. I asked her to note the content of our conversation in my account notes. I believe that I should have received 45 day advance notification of this interest rate change. Am I correct? If not, could you please explain.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX violated my rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX and XXXX XXXX XXXX reported to the Equifax that I applied for credit in which i never applied for. They have violated my rights to have fair and accurate information on my credit report. 
My personal information on my credit report is inaccurate as well. I have requested to have my address, phone numbers, and names corrected on my report this is a violation on my consumer protection rights.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my XXXX XXXX as published by your company. Following a XXXX  denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

all of the credit reporting services are reporting false information about XXXX XXXX and XXXX  and XXXX XXXX and XXXX XXXX they have my name listed as my fathers name because we kind of have the same name. he is a sr and i am a jr
Product: Credit reporting or other personal consumer reports

I pulled my credit report because I was denied credit due to a lot of Hard inquires that are Fraudulent, I did not do, nor did I authorize anyone to run my credit a total of 22. These do not belong to me. 

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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I received a letter on XX/XX/19 stating i was in delinquency for not making payments although I had already spoken to an advisor stating I can only make {$50.00} payments. I reached out via phone on XX/XX/19 Nelnet expects me to pay over XXXX dollars for a monthly payment when I explained my financial situation i was told i still will need to pay my balance. I was not offered about options until I asked what else I can do, the advisors were rude and not well informed. I have been sending payments for years, the manager was no help and was rude as well. I have been making payments for years on what i can afford I will like to pay towards my balance but reasonable amounts not an amount that will leave me stressed or more in debt. The original advisor I spoke too did not follow the proper protocol process now my account is in delinquency although I have been sending my monthly payments every month like I have been expected too.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXXXXXX 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 has violated XXXX XXXX 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 states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

first of all i was only looking for a regular loan and a women called me from rocket mortgage and told me i could do a heloc but i told her i really didnt want to change my mortgage because i had a XXXX on my morgage and my wife will not sign for it i made that spacific to her and she told me i didnt need her to sign i think she was new or something and i said r u sure and she said XXXX percent so i told her if your XXXX percent sure ok so we started doing it and when we were almost there she sent me a thing about my wife signing and i called her right there and told her what she said and i told u she wouldnt sign and u told me she didnt have to so i told her i need to cancel this now because u lied to me and she kept calling and then they must have charged me a few XXXX dollars on my account after that because i checked it a few months ago it was XXXX and now its about XXXX or take a few dollars thank u in advance XXXX XXXX
Product: Checking or savings account

I had money that should have been refunded never received on a few different occasions I only stuck with this company because of the amount of years I have been a customer
Product: Credit card or prepaid card

I just spoke with a " Supervisor '' who told me that my account was not closed for my payment arrangement it was closed by the bank. When asked for further explanation no answers were given. I again explained that I was setup online with a XXXX XXXX payment arrangement that states the account would not be closed due to delinquency while on this plan. The agent again stated my account was not closed because of the plan it was closed by the bank. This does not make sense to me,. I then check the message center on the mobile app to find a letter that states the account can not be reopened due to 1 or more missed payments in the last 12 months. That is what any other financial institution would call closure due to delinquency which is exactly what I was trying to prevent when I agreed to the payment arrangement on XX/XX/2023. The email on XX/XX/2023 from Citi bank stated that the first of five payments of {$250.00} was not due until XX/XX/2023. I made an early payment of {$250.00} on XX/XX/2023. I was shocked to see on XX/XX/2023 that my account was closed. I did not receive any calls or emails regarding the closure. On XX/XX/2023 I was told the account was closed due to the past due amount not being paid by XX/XX/2023. No where in any of the information I received states that I needed to make a certain payment by that date to prevent the account from closing. Had I received that I would have done so as I did on the XXXX. No one at the company is trying to hear me and everybody seems to be following a script. My total past due balance of {$630.00} has been paid in full and I would like for my account to be reopened. I don't understand how an online tool is provided for customers to use, but does not align with how Customer Service operates. I used to get multiple calls a day for consecutive days at a time into the weekend when my account would fall behind. Why did I not receive ONE call to let me know my account had fallen behind to the point of being closed? Any other institution would make sure contact was made prior to this happening whether it be a letter, email, call, and even text. Citi literally did none of this. If there was an issue with the dates the site/mobile app should have prevented such a great timespan in between when a payment needed to be made versus what was given to me. How was I supposed to know their cut off dates if it was not provided to me?? I went off the information that I agreed to and the follow up email that was sent to me with that same information. The payment plan was in place the same date that the account was closed which means the terms that I agreed to " If your account is open, it won't be closed for delinquency as long as you make your scheduled arrangement ''. My account was open, my scheduled arrangement date had not passed, yet my account was still closed.
Product: Credit card

I have signed up for US bank Business Visa for XXXX XXXX which as their main benefit offered XXXX night free on all awards. The fee is {$65.00}. I would like the refund of my fee, because they discontinued this benefit. US bank refuses for unknown reason.
Product: Student loan

I have 5 Loans with Navient. 3 of these Loans are under a rate reduction plan. When I applied for the second year of my rate reduction plan for these three loans I was asked to agree to terms 12 times, one for each month. I agreed to a debit payment once for each month for an amount of XXXX $ to be disbursed to the 3 loans under the rate reduction program. These payments being made on time are a stipulation for reapplying for the program in the following year, so keeping these loans current is vital for my financial well being. Last month on XX/XX/XXXXNavient received a payment of XXXX $ from my father 's account to be disbursed across the remaining 2 loans. Then on XX/XX/XXXX Navient received my scheduled payment of XXXX . The problem is that Navient disbursed the XXXX $ and the XXXX $ payments across the remaining 2 loans that are not on the rate reduction program before disbursing payment to my rate reduced loans for which the automatic debit was dedicated. I called Navient about this issue two days ago onXX/XX/XXXXand complained and was told that another department found the error and the past due status would be removed from my account. I was told to wait 24 hours for the changes to appear online. I logged on today XX/XX/XXXX to find that my automated payment of XXXX $ has yet again been disbursed to the two loans that are not under the rate reduction program. This leaves a total amount of XXXX $ owed for this month on the 3 rate reduced loans. I have no issue with paying this amount, I would eventually have to pay this anyway. The issue is I have an automatic debit set so that the rate reduced loans are never paid late. I avoid being late on any payment but at all costs my rate reduced loans are paid on time for obvious reasons. Two months in a row now Navient as disbursed my payments away from the loans they were agreed to go to. These two months have been the only occasions in almost a year in a half where my automatic payment did n't go only to my rate reduced loans. This leaves me with only two explanations in mind : Something in Navient 's system has failed to keep my records accurate in order to keep my payments going to the right place, or Navient has chosen to disburse my payment incorrectly in an attempt to cause me to default on my rate reduction program so they can force me to pay the full payment of these loans despite my cosigner being dead. I called Navient again today and told them that the problem has happened for a second time and the person on the phone spoke with the person I dealt with 2 days ago. They claimed they could n't see how the money had been disbursed because it was n't past due. My customer log in supplied more information than their payment center. This is baffling to me. I was told to wait 24 hours for them to have more information and to call back. This strikes me as just another attempt at capitalizing on my possible inaction.
Product: Money transfer, virtual currency, or money service

XXXX was transferred from my account to another in 2022 without my permission. Tried to dispute the charges but was unsuccessful.
Product: Student loan

The loan servicers ( mohelas ) website no longer allows me to make payments, however, interest still accrues everyday. When I click on the Make a Payment link I get a message stating Due to the status of your account, please Contact Us for any account inquiries or document requests. 

I can not get past the aforementioned message to make payments. If I am unable to make payments due to Mohelas website dysfunction, I should absolutely not be charged interest for the duration of their service failure.