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

Accounts with Issues : XXXX  ( Account # : XXXX ) Status : Closed. 

Issue : Account lists " Paid satisfactorily '' but includes incorrect payment history reflecting late payments during periods marked as " OK. '' This may violate FCRA 609 ( b ) concerning accurate reporting. 

XXXX ( Account # : XXXX ) Status : Open. Issue : High balance ( {$1200.00} ) compared to a credit limit of {$7500.00} but marked " OK. '' This could be flagged for excessive utilization ina
ccurately affecting credit scores. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account # : XXXX ( XXXX, XXXX, XXXX ) Status : Seriously past due/ assigned to attorney or collection agency.

Issues : Discrepancy in account type : Listed as " Open account '' with XXXX and " INSTALLMENT '' with XXXX. 

Past due balance of {$1100.00} across all bureaus flagged as " collection account, '' but no payments are reflected in the two-year history.

Violates FCRA 609 ( a ) ( 1 ) due to inconsistent reporting and FCRA 607 by potentially misclassifying the account.

Non-Account Holding Inquiries : XXXX XXXX  ( Date : XX/XX/year> ) - XXXX XXXX XXXX XXXX ( Date : XX/XX/year> ) - XXXX XXXX XXXX XXXX XXXX ( Date : XX/XX/year> ) - XXXX XXXX XXXX ( Date : XX/XX/year> ) - XXXX, XXXX These inquiries are unauthorized and may violate FCRA 604 ( c ) by failing to meet permissible purpose criteria.

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccuracies and Unauthorized Inquiries in My Credit Report Dear CFPB, I am writing to formally dispute inaccuracies and unauthorized inquiries on my credit report as obtained from XXXX, XXXX, and XXXX. Below, I detail the specific issues : 1. Inaccurate Account Reporting : XXXX  ( Acct # : XXXX ) : Discrepancies in payment history suggesting incorrect reporting. 

XXXX ( Acct # : XXXX ) : Unreasonably high credit utilization flagged as " OK. '' XXXX XXXX XXXX ( Acct XXXX : XXXX ) : Discrepancies in account type and reporting of past due balance without supporting payment history. 

2. Unauthorized Inquiries : XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/year> ) These inquiries lack permissible purpose and violate the Fair Credit Reporting Act ( 604 ).

Requested Resolution : Deletion of inaccurate and unauthorized items from my credit report.

Compensation of {$1000.00} per violation under FCRA provisions.

Confirmation of resolution in writing.

Thank you for addressing these matters promptly.
Product: Student loan

I received a letter from Navient dated XXXX/XXXX/XXXX that informed me that they were increasing my monthly payment even though I am enrolled in an IDR program. When I called to see what was going on they told me they had received new income information in XXXX from XXXX and that I should contact XXXX with any questions. However, I have not submitted a IDR request since XXXX/XXXX/XXXX, which was confirmed when I contacted XXXX. When I attempted to call Navient back, I was put on hold for 15 min. then hung up on by their customer service representative. I also went back through my payment history, and even though a payment of {$3000.00} was made on my account in XXXX XXXX through the XXXX loan forgiveness program, my account does n't seem to reflect a lower balance. In fact, according to the letter they just sent it I still owe over {$4000.00} even though my original loan amount was just over {$6000.00} and I 've been making regular monthly payments, as well as the payments made by XXXX on my behalf. Something is seriously wrong here. I feel like I am being charged more money than I actually owe and having my monthly payment increased without justification. Please help!
Product: Debt collection

XX/XX/XXXX I had a total loss vehicle and loan with Lendmark Financial was closed and removed. In XX/XX/XXXX Lendmark Financial reported on my credit reports that I have new charger off debt for {$6700.00} for Auto loan that I do not own because car is gone due to total loss and is gone scraped in junk yard. We went to court XX/XX/XXXX and XXXXXXXX XXXX XXXXXXXX XXXX dismissed the case against me and said I was not responsible for the loan and should be removed off of my credit. Lendmark still will not remove from my reports even with proof and court hiring Lendmark Financial acct # XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. 
Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

Keybridge Medical Revenue has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

CALVARY PORTFOLIO XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX AGREED TO REMOVE THIS DEBT FROM ALL CREDIT BUREAUS AGENCIES IF I PAID IN FULL WHICH I DID AND THEY DID NOT!
Product: Prepaid card

Received egift card from work for {$300.00}. Could not spend any of it at any store or online, nor put it on my apple wallet. Have tried contacting the company after waiting for a half an hour they said I need to keep trying. I have tried at XXXX, XXXX, XXXX online, and even in person stores and every time it is canceled. I don't have time to continue trying and failing. Company offered no help and now I can not get anyone on the line. American Express is very disappointing. I think they might be trying to get people to give up and hoping that they forget about their balances on gift cards. I don't want to do business with them anymore, nor would I consider ever getting their credit cards when there are better options.
Product: Credit card or prepaid card

I opened a XXXX card and Lowes card backed by Synchrony Bank in XXXX and XXXX and shortly after I received the card or before I received the card in the mail, they had already closed my account for being high risk according to their system. No one in customer service or escalations to management are willing to help and just send template response emails and tell you to wait for a letter in the mail. The problem is, this company has by then hit my credit with hard inquiries which hurts my ability to obtain any new credit, hurts my score and also puts maxed out trade lines on my credit report which also hurts my total utilization and further hurts my credit score because I no longer get credit for the available credit limits to offset the initial purchase balance and they entice you to apply for special one time discounts at the point of sale at the retailer. They already ran my credit and assessed using a live analyst my credit worthiness and eligibility and then approved my application. If I was a high risk of default to them, which most people that are new to their bank would be as they have no data to suggest guarantee of repayment, they should not have credit qualified and approved my application to begin with. They are hurting peoples credit scores and adversely affecting the terms being offered on subsequent credit accounts because of the negative factors including the hard inquires, the maxed out trade line balance without reporting the available credit as the account is closed, the trade line reports to other credit agencies closed by company which to a human underwriter could be perceived as negative when considering other types of consumer finance accounts. This practice is unfair and deceptive and something needs to be addressed to protect consumers. You either qualify for a loan or credit card, or you do not there is no in-between this is wrong and borderline fraudulent and could be a method they are using like XXXX XXXX to pad their new account opening numbers to raise their numbers for their shareholders and also could be used to incentivize managers and regional managers in areas where credit card account opening execution is part of a pay plan or bonus plan for their employees and retail partner managers. It is wrong.
Product: Student loan

On XX/XX/XXXX and XX/XX/XXXX I received emails from Navient reminding me to reapply for the income-based repayment program I have used since my federal student loans went into repayment. The emails led with the date XX/XX/XXXX, as the date my payment would increase. Deeper into the emails, there is a second date, XX/XX/XXXX, by which they write is important to reapply by " in order to keep [ my ] lower payment amount. '' I submitted my usual IBR payment to Navient on XX/XX/XXXX. On XX/XX/XXXX, I received another reminder to reenroll in IBR before my payments increased on XX/XX/XXXX. I subsequently submitted my IBR repayment recertification via studentloans.gov on XX/XX/XXXX after completing this  year 's taxes. 

In the meantime, Navient capitalized over {$16000.00} worth of interest on my loans on XX/XX/XXXX. Despite the fact that I will make uninterrupted IBR payments, as I have for years, they say that by waiting until XX/XX/XXXX to reapply I left the IBR program. Although I will reenter seamlessly in time for my XX/XX/XXXX payment, according to Navient I have triggered capitalization. 

I find Navient 's communications deliberately misleading by repeatedly offering up the date XX/XX/XXXX, but only naming XX/XX/XXXX on two occasions and less prominently. I have loans through another servicer, XXXX XXXX XXXX. Using the same IBR recertification on XX/XX/XXXX, they have reprocessed my IBR plan with no interest capitalization.
Product: Credit reporting or other personal consumer reports

Issues Arising : I have a few issues here from my understanding it is clear to me that I have mailed out several letters to each credit bureau asking them to validate each account which seem to be quite a few of fraudulent and questionable accounts that is listed in my credit report. Which is inaccurate information that's reporting. The credit bureaus have received each letter that was sent certified mail it's been over 2 months and I Have yet to receive any validated updated information concerning these accounts in question. It's very clear and bright to me that these credit bureaus are choosing to ignore the laws and decide to take advantage of consumers. I can not express my frustration enough on how big of a stress it is and how much money I have lost constantly. sending out letters with no response being that I just sent out another letter. XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/XXXX, I received 3 emails from Bank of America regarding an application for a checking and savings account. The application was approved and the account was opened. I did not open these accounts. 

On XX/XX/XXXX, I went to a Bank of America branch in XXXX, CA near my home and they were able to pull up the account. My SSN and employer were correct on the account but the phone number and address were incorrect. The phone number listed on the application is ( XXXX ) XXXX, and my phone number begins with area code XXXX.The address on the account is a previous one. As of this date, no deposits have been made to either account. 

The bank manager notified their fraud department so they could flag and block the account. She also provided me with the direct number to their fraud department but I have been unable to get through their phone system because I do not have a telephone access ID, card, or full account number. I also received an email on XX/XX/XXXX from Bank of America that a debit card has been mailed. 

I was asked to return to the bank on Wednesday XX/XX/XXXX to meet again with the bank manager so she could finish the process.
Product: Student loan

I called to get help on my student loan. My loan is in a income driven repayment plan, but was removed from it for 1 month, and I needed help applying that plan to the month. I called and waited on hold for 45 minutes and finally got a human being who identified themself as a trainee. They were unable to help me and transferred me. I waited on hold for over 3 more hours. When a person finally answered my call, they asked my name and then ended the call. I was prompted to evaluate my level of customer service on a scale of 1 to 5. After a total of almost 4 hours on the phone, I still don't have a solution to my problem.
Product: Consumer Loan

I applied for a installment loan with BigPitcure loans. I qualified for {$800.00}. When agreeing to such a loan over the phone no mention of the interest rate. The only thing that was mentioned was the due date of XX/XX/XXXX in the amount of {$280.00}. Then nothing was mentioned that this was a biweekly loan. I get paid twice a month. I have logged in to see why this was and guess what my interest rate is XXXX % I will be paying {$280.00} biweekly until XX/XX/XXXX ( yes XX/XX/XXXX ) this is {$6800.00} once I have paid back. They had played me and I was not informed this was such a high interest rate as well as this was a biweekly loan. I borrowed {$800.00} and will eventually pay back {$6800.00} that is illegal it is a scam/shark loan. {$6000.00} in finance/interest no way. Payday loans are illegal in XXXX ( which is the state I live in ) this is a payday loan if they are asking when I get paid and taking out {$280.00} every time I am paid. I again was not told what the interest rate is only that the amount approved was {$800.00} and my first payment is {$280.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company was paid in full in XX/XX/XXXX, however they are currently reporting to the credit bureaus negatively. I tried to dispute with credit bureaus XX/XX/XXXX in writing and contacted Rise in XX/XX/XXXX to remove inquiry with no success.
Product: Debt collection

Portfolio Recovery Associates, LLC is attempting to collect on 2 debt that are not owed and are a result of identity theft. I have attached the FTC identity theft report and fraud report to this as well. Further, they have violated US Code under the Fait Debt Collection Practices 15 USC 1692d ( 2 ), which the damages are not to exceed {$1000.00} ; and Under 18 USC 1028 ( a ) ( 1 ) ( 2 ) and there is not limit to actual damages for the violation of this crime.

I have attached documentation as a formal statement from the FTC. These penalties are per attempt
Product: Credit reporting or other personal consumer reports

None of my loans ( including my closed loans ) from MOHELA are being reported to XXXX. They are showing up on XXXX and XXXX, but not XXXX. I reached out to XXXX and they are not receiving any information from MOHELA. I have sent MOHELA 3 separate inquiries, with the first on XX/XX/year>. 

XX/XX/year> ( from me ) : " Hi. I see that my loans have been reported to both XXXX and XXXX. However I noticed that they did not appear on my XXXX report. I contacted XXXX and they said that they do not receive any information from you. Can you please get in touch with them and resolve this? I need my loans to also be reported with XXXX '' On XX/XX/year> ( from MOHELA ) : " Dear, Thank you for contacting MOHELA.

Regarding your request ( s ), MOHELA has submitted a request for a credit review. We do apologize for any inconvenience this may have caused and we appreciate your patience.

If you have any other questions or concerns, please contact us at the number listed below. 
Sincerely, Customer Advocacy Team '' Note that they did not include a phone number. 

On XX/XX/year> ( from me ) : I just recieved a message notifying me that MOHELA has submitted a credit request. What does this mean exactly? Will my loans be reported to XXXX now? 

I did not hear from MOHELA. 

I then submitted a Complaint on XX/XX/year> " Can I please get a response on my Credit Reporting issue? You guys sent an extremely vague message and I have reached back out for clarification, but have heard radio silence for 10 days. '' No response. 

I submitted another issue request on XX/XX/year> " Can I please get an update on my student loan reporting to XXXX? They are on both XXXX and XXXX but not XXXX. I contacted XXXX and they mentioned that they have not received any information from MOHELA. I submitted a request a month ago and received a very vague inbox back saying a credit request has been put in. Can I get an update on the request? Will the loans now start showing up on my XXXX report? '' No response. 

I received a reply to my second issue request ( from XX/XX/year> ) a few days ago ( around XX/XX/year>, don't have exact date ) : " Thank you for contacting MOHELA, Dear, Thank you for contacting MOHELA. Please accept our sincere apologies. We regret that you had a less than satisfactory experience during your interaction with us. We value your feedback, as we understand how important it is to offer exceptional service.

Regarding your request ( s ), MOHELA has submitted a request to expedite the recent credit review request. We do apologize for any inconvenience this may have caused and we appreciate your patience. MOHELA will reach out to you in a separate correspondence once completed. 
If you have any other questions or concerns, please contact us at the number listed below. 
Sincerely, Customer Advocacy Team '' I have not received anything back. I am extremely frustrated at how incompetent MOHELA is and the fact that this shouldnt be an issue in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 Fraudulent Hard Inquiries 
Inquiry date: XXXX XXXX XXXX
Account: XXXX XXXX
Type: Credit Unions Creditor Address: XXXX XXXX XXXX XXXX, VA, XXXX
Phone number: XXXX XXXX

Inquiry date: XXXX XXXX XXXX
Account: XXXX XXXX  Type: Credit Unions
Creditor Address: XXXX XXXX XXXX XXXX, VA, XXXX
Phone number: XXXX XXXX
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 be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 16921 XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 


2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Delete this account. 


3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 




XXXX inquiry was not authorized XXXX XXXXI Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit card

This complaint is regarding my XXXX  XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX On XX/XX/XXXX2024 I made a payment of {$700.00} using my XXXX debit card with customer service rep over the phone. 


On Saturday, XX/XX/XXXX24 I attempted to use my XXXX XXXX at a local XXXX and it was declined at XXXX XXXX of Sale. I was shocked and embarrassed so I checked my balance and it showed I had plenty of available credit to cover XXXX cups of coffee. 

I called XXXX XXXX XXXX customer service, and was told that was there an hold on my payment until the payment cleared and also was considered to be a large payment. I asked what is the benefit of using a debit card to make a payment.