23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt that NATIONWIDE RECOVERY SYSTEMS Ltd is trying to collect a debt from us that purchased this debt from another company ( 3-4 X 's ) .... XXXX XXXX, XXXX XXXX, XXXX & now we have Nationwide trying to collect it. We paid this debt in full ; the amount of {$1000.00} Date of service, XX/XX/XXXX, Original service provider, XXXX XXXX XXXX and have proof of that on both credit card statements, XXXX XXXX XXXX XXXX XXXX and canceled checks. We sent this information to XXXX and they removed it, called Nationwide today XXXX and they stated that they never received any information from any of the previous collectors??. On XX/XX/XXXX we faxed to XXXX recover system fax number XXXX. It came off of XXXX  and XXXX  for one year, then re-appeared?? Are XXXX  & XXXX  clueless, We also asked for the original invoice, date of service, line by line services and provider from all collectors and guess what, NEVER received it.. XXXX XXXX XXXX in XXXX is the original provider ... Florida and have yet to see it. We will file suit in Florida Court System and let a Judge decide!!! Looks like fraud, Need to call XXXX XXXX and see how many other debt collectors are out their are trying to scam unsuspecting individuals in the US.  Welcome to ask to get more info XXXX Would like to get the feds involved in this.
Product: Credit reporting or other personal consumer reports

Re : Appeal Against Erroneous Decision on Hard Inquiry Disputes Dear Equifax Customer Service, I am writing to formally appeal the recent decision regarding my dispute about four unauthorized hard inquiries ( XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX ) on my credit report. The refusal to remove these inquiries, based on the assertion that they are a factual finding, is incorrect and unjust. 

Firstly, I want to highlight that both XXXX and XXXX have properly investigated and subsequently removed these unauthorized hard inquiries from my credit profile. This clearly indicates that these inquiries were indeed unauthorized and should not be present on my credit report. 

Furthermore, I spoke with an Equifax agent on XX/XX/2024 who assured me that these inquiries would be removed if other credit bureaus also removed them and once I submitted the required documentation. I have complied fully by providing all necessary documents, yet these inquiries remain on my Equifax report.The previous complaint number that was unjustly denied by your company as transmitted through CFPB is XXXX. We are happy in the role that CFPB is playing and will consider federal law violations if the right actions are not followed in light of the illegal refusal of Equifax to follow the rule of consumer laws in this matter. 

The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies ensure the accuracy and integrity of the information they report. Specifically, under XXXX XXXX XXXX XXXX, credit reporting agencies are required to conduct a reasonable investigation into any disputes raised by consumers. Additionally, per XXXX XXXX XXXX XXXX ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. XXXX did follow the rule of law, XXXX did but Equifax is flirting with the idea of breaking consumer laws with applicable penalties. 

By refusing to remove these unauthorized inquiries despite the evidence provided and the actions taken by other credit bureaus, Equifax is failing to adhere to these FCRA requirements. I request a detailed explanation of the methods of investigation used in this case. It is essential to understand how Equifax arrived at the decision to maintain these inaccurate records on my credit profile. 

Consumer laws clearly states that ALL consumers are entitled to this information. 

I urge you to reassess this dispute urgently and rectify these errors by removing the unauthorized hard inquiries from my credit report. Failure to comply with FCRA regulations not only continues to damage my credit profile but also constitutes a violation of federal law. 

I look forward to a prompt resolution of this matter and expect the necessary corrections to be made without further delay. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraudulent/inaccurate accounts appearing on my credit file. I have sent complaints to the credit bureaus for the last 120 days and my issue was not resolved. My rights as an consumer are being violated according to the Fair Credit Reporting Act. My general reputation is being tarnished which is hurting my ability to obtain credit. I am suffering mentally and financially, I will seek remedies if my issue is not resolved immediately. The credit bureaus have failed to resolve my issue which I was more than patient in waiting for a resolution so I filed a complaint with the Federal Trade Commission for fraud. The fraudulent/inaccurate items are still appearing on my credit file and I need them removed immediately.
Product: Credit reporting or other personal consumer reports

I attempted to initiate a fraud alert with Transunion on XX/XX/24 after I noticed fraudulent rental history on my transunion credit report, but I was denied access to my account and transunion would not allow me to file an alert even after speaking with customer service. I was told I could not log onto my account and alert to fraud until I had sent Transunion a photo id and documents that show my residency. Do to the pressing nature of fraud, I believe consumers have the legal right to alert to fraud on their account in a way that is not unreasonable or difficult for the consumer.
Product: Credit card

My Chase credit card offered a discount on a specific purchase. The terms presented to me are attached to this submission. Along with that, during my discussions with Chase, the support staff provided in one of their responses the terms of the offer : " Earn 20 % cash back on your XXXX XXXX purchase when you spend {$290.00} or more, including taxes and after any discounts. Hit the slopes with XXXX XXXX and ride up to XXXX XXXX worldwide. Offer expires XX/XX/year>. Offer valid one time only. Offer only valid on purchases made directly with the merchant. Offer valid online only. Cash back offer good on purchases of an XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX XXXX. Offer not valid on purchases made using third-party services, delivery services, or a third-party payment account ( e.g., buy now pay later ). Payment must be made on or before XX/XX/year>. 
Chase is not honoring the offer based on the fact that my purchase was made on XX/XX/year> and the offer activated on XX/XX/year>. 
There is nothing in the terms that specifies that the offer should be be activated before the charge except for the XX/XX/year> mention.
Product: Student loan

I currently have multiple issues with Mohela : 1. I need to pay them by mail ( like I have, on-time, for XXXX ), but they don't like receiving payments by mail. I have requested multiple times for a monthly paper statement to be mailed and no statement ever arrives. I have the {$600.00} waiting for them but they are SO XXXX  they can not even bill me properly. I know they want to bill me electronically, but they are not competent or trustworthy enough to be linked to any of my accounts. 
2. Under-Staffed ( always ). Staff is XXXX  ( they don't even know who they work for ... Mohela, what is Mohela? Answer : Mohela is who you work for, they service student loans for the federal government! Really!?!? Yes, that is what you do! Each phone call this year ( XXXX ) has taken 4-9 hours of waiting and the person answering is useless. 
3. Unwilling/Unable to provide account history : my current history shows Initial account startup in XXXX of XXXX and individual monthly payments for XXXX of XXXX ... ... .What about the other 228 payments and 4-5 principal payments between XXXX of XXXX and XXXX of XXXX???? Oh, those are on our " old system ''. Why does your " new system '' then show the first payment made in XXXX? A : I don't know, that information isn't available. 
4. Any loan service who can not bill a borrower obviously should not be in business, especially if the borrower is begging them to send them payment! If a servicer can not keep accurate records, how does a borrower confirm that payments have been applied correctly and that the servicer is accurate or if a service is actually due payment? Mohela needs to be shutdown and loans without full/complete payment history forgiven due to failure of both Mohela and Dept. of Ed allowing Mohela to operate for decades like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I received this letter in my email saying that I have been denied for a loan that I have never applied for. Is this indication that someone is using my personal info in an identity theft matter or is this spam? Also, is this going to reflect a bad reporting on my credit record? Has this been placed on my credit record? Please help me with this matter. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX Equifax XXXX Department XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Consumer XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Dispute of Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) To Whom It XXXX Concern, I am writing to dispute inaccuracies reported on my credit report regarding my account with XXXX XXXX  Bank. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I request that you investigate the matter, verify the information, and correct any discrepancies. The specific account details in question are as follows : - Creditor Name : XXXX XXXX Bank - Account XXXX - Nature of Dispute : Inaccuracies in payment history, account utilization, and delinquency reporting. 

Specific Issues : 1. Payment History Accuracy : - The report indicates that I have made 73 % of payments on time, but no detailed payment history is shown for specific months. The status indicates " XXXX '' as of XX/XX/XXXX, with no past-due amounts, which contradicts any delinquency claims. 

XXXX. Worst Payment Status : - The report shows XXXX instances of being 30 days late and XXXX instance of being 60 days late, but no specific dates or verification of these occurrences are provided. This vague and unverifiable reporting negatively impacts my credit score and should be corrected. 

XXXX. Utilization Reporting Error : - The reported utilization of 105 % is inaccurate. The credit limit is {$300.00}, and the balance is listed as {$310.00}, which does not justify exceeding 100 % utilization without further clarification. 

Violations of the FCRA : Under the FCRA, you are required to ensure the accuracy and completeness of the information reported : - 15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. The inconsistencies and lack of clarity in the reporting violate this provision.

- 15 U.S.C. 1681i ( a ) : Upon receiving a dispute, you are obligated to conduct a thorough reinvestigation and provide evidence to substantiate the reported information.

- 15 U.S.C. 1681i ( a ) ( 5 ) : If information can not be verified, it must be corrected or deleted from my report. 

Requested Actions : XXXX. XXXX a full reinvestigation into the accuracy of the reported payment history, utilization, and delinquency claims for this account. 
XXXX. Provide verification of the reported payment delinquencies, including specific dates and amounts. If the information can not be verified, I request that it be removed from my credit file. 
XXXX. Correct the utilization reporting error and reflect accurate credit usage data. 
XXXX. Provide me with a written summary of your findings and an updated credit report. 

If the inaccuracies are not resolved within the legally mandated 30 days, I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and take legal action under the FCRA. 
Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Caliber Home Loans mistakenly reported a late payment to my credit report. On multiple occasions, XXXX representatives, including managers, have verbally committed to removing the erroneous late payment credit reporting, but XXXX has failed to fulfill their commitment. Below is the background. 

On XX/XX/XXXX I made my regular mortgage payment of {$5800.00}. This was the amount of my standard monthly payment since XX/XX/XXXX. However, in XX/XX/XXXX, XXXX increased my mortgage payment to {$6200.00} to cover an increased escrow balance that resulted from my home insurance cost increasing. My XXXX payment did cover my actual mortgage payment as was confirmed by multiple XXXX representatives. 

Normally I would have logged into my account to see if my mortgage payment had changed, but during this time, XXXX had switched to a new website that used two-factor authentication and for unknown reasons the system would not recognize my phone number and thus I was unable to login and see my statement. I called XXXX many times in XXXX and XXXX to resolve this issue, but no one ever picked up my call even after I waited on the phone for over two hours. In the end, I only found out that the XXXX payment had not covered the full escrow requirement when I received a call from XXXX indicating my mortgage was late. I promptly took care of the additional payment after the call. 

In XX/XX/XXXX, I called XXXX and explained the above situation. The representative that assisted me indicated that XXXX was having problems with the new website and that I was having trouble getting phone support because XXXX was short staffed due to the XXXX pandemic. The representative reversed the {$70.00} late fee on XX/XX/XXXX ( which clearly indicates that XXXX took responsibility for the miscommunication that led to wrong payment ). The representative also indicated that the error would be communicated to the credit agencies and the XX/XX/XXXX late payment would be removed. On a second follow-up communication with another representative, the representative also confirmed that the error would be communicated to the credit reporting agencies and the late payment would be removed. 

As of XX/XX/XXXX all three credit reporting agencies still show a 30-day late payment. I have communicated in writing to Caliber Home Loans requesting resolution and have never received a reply.
Product: Credit card or prepaid card

As a small business owner and a minority, my access to credit is limited, hence I use any and all credit I have within my arsenal to finance my project. This includes my Target Card. I usually payoff this card but during Covid, this became difficult as the Bank that was going to finance my project went out of business, as many did in the secondary market. 

Once the Cares ACT was passed, I notified Target Red Card Services or TD Bank regarding what help was available under the ACT. I notified all my credit card companies including Target. 

While payment was not made monthly, because the interest rate on this card is really egregious, payment was made yet this card still reported me late to the credit bureaus causing my credit score to nose dive and other card companies to cancel several cards or reduce credit lines which I have but were current on. 
I contacted Target, and i was told it was a mistake, the reporting will be corrected with the Credit Bureaus and the and they would address the issue and also reverse all the incorrect fees. I was also told the money owed on the account was about {$10000.00} afterall the fees were removed. I made the payment in full on XX/XX/XXXX. 

The monies were never reversed. The following month, I called them again and I was told the account is showing {$1100.00}. Online the amount showing was {$950.00}. I made that payment. I also learned the credit bureaus had never been contacted, the fees never reversed and since citizens don't have a real advocate, I made the payment with reservation. I have attached a screen shot of what the system showed was due. Lo and behold, I received another bill showing {$140.00} due again on this account.
Product: Student loan

Great Lakes response to my inquiry is unacceptable. I did not receive any at

tachment when they submitted a response. I did not know that the US dept of Education had made a decision on my borrower defense application. Great Lakes did not also notify me that the US dept of Education has denied my application. I was part of the Sweet vs. Devos lawsuit and I am expecting a detailed explanation of any d
ecision made.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX a trade a XXXX  into the deeler. XXXX XXXX XXXX  for a new XXXX normal process everything was great deeler take a responsibility to paid my loan on the old car. Amd 6 months late l have a call from Truist Bank about be late 6 months. Im explaining everything a this time shes going to invest more details. Later the same week shes ask for any help to get more information About the deeler because bank still not getting the money. Well shes gree with me about this mistake. I was aware was on XX/XX/XXXX sent me to the credit under XXXX dlls not paying. I have all documentation to prove they mistake but my personal lives changed since the day l got my credit so bad by someone mistake
Product: Student loan

My payments more than doubled this year. I tried to set up a new payment plan that the FedLoan CSR said would save me {$100.00} but that was in XX/XX/XXXX and now it is XX/XX/XXXX and my payments have not gone down. 

I applied online and selected an option to pay {$5.00} in order to forbear my loan payments until the new Income Based / Contingent Repayment plan was processed. Unfortunately, that forebearance was never processed and my {$5.00} was never refunded. 

When I last spoke to FedLoan in XX/XX/XXXX, they said the IB/CR plan application was still pending. I don't understand how or why it should take that long let alone now going on 5 months! 

I was also unemployed for two months. FedLoan said they could lower my payment to {$0.00} while being unemployed. They never did this. 

FedLoan makes it very difficult to apply for new payment plans. They tell you that you have to apply with printed paperwork half the time! Sometimes they let you do it online but in my experience the application just waits and never processes! I've also noticed that the CSRs do not know all the details of the online applications or the repayment options because they tell you stuff that turns out no to be true. 

I need help asap.
Product: Debt collection

A loan amount was taken from XXXX XXXX in XX/XX/XXXX. When XXXX hit my loan status transitioned into a charge off. The vehicle was sold at auction and the remainder balance was purchased by Jefferson Capitol in XX/XX/XXXX. The account is being reported to the credit bureau and is still on my credit report as a derogatory mark. It is seven years and four months old. Jefferson Capitol stated they have the ability to change the origination date which is against the law according to the fair consumer practices act. I would like this to be removed from my Credit report as the information it shows is not accurate.
Product: Credit reporting or other personal consumer reports

I viewed my credit report and notified the credit agency OVER 30days ago that my credit report had fraudulent accounts.

I sent in the needed information in order for them to successfully block these fraudulent items from my credit report pursuant to 605B : I provided proof of my identity, list of the fraudulent information on my credit report, and a copy of a completed and submitted identity theft report with the Federal Trade Commission from identitytheft.gov YET AND STILL, these items remain on my report and these credit agencies called them " verified '' accounts with no evidence or proof of that ever mailed to me pursuant to 15 USC 1681 - " Disclosure of investigative consumer report. '' They are violating my consumer rights. Both through 605B and 1681B.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed fraudulent inquiries on my credit report theres three on my TransUnion
Product: Payday loan, title loan, or personal loan

XX/XX/2023 received email from Integra Credit advising my loan application had been denied. Same day I forwarded the denial email to their customer support requesting I be provided with the specific reason ( s ) my application was denied. Confirmation receipt of my request was received separately via email. 

As of today, XX/XX/2023, at XXXX est, Integra Credit has failed to respond and/or provide the information requested. All supporting documentation has been uploaded with this complaint to verify the validity of this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15USC1681 sec 602 states I have the right to privacy. 15USC1681 sec 604A it also states that consumer reporting agency cant furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose. 

XX/XX/XXXX - XXXX XXXX reported late payment in the amount of {$920.00} XXXX XXXX XXXX XXXX XXXX XXXX reported a late payment in the amount of {$150.00} XX/XX/XXXX - XXXX reported a late payment in the amount of {$57.00} XX/XX/XXXX - XXXX reported a late payment in the amount of {$57.00} XXXX XXXX XXXX XXXX XXXX XXXX reported a late payment in the amount of {$150.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX reported a late payment in the amount of {$150.00} XX/XX/XXXX - XXXX XXXX reported a late payment in the amount of {$40.00} XXXX XXXX XXXX XXXX XXXX XXXX reported a late payment in the amount of {$150.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX reported a late payment in the amount of {$150.00} XX/XX/XXXX - XXXX reported a late payment in the amount of {$57.00} XXXX XXXX XXXX XXXX XXXX XXXX  reported a late payment in the amount of {$150.00} XX/XX/XXXX - XXXX XXXX reported a late payment in the amount of {$42.00} XXXX XXXXXXXX XXXX XXXX reported a late payment in the amount of {$42.00}
Product: Credit card

I lost my job just before Covid, then had trouble finding a new one due to the pandemic, so for about 5 months I could not pay my bills. My account with the card issuer was closed as a charge off with a balance due. I have since regained employment and paid back my creditors, except for two. One is on a payment plan and this one will not accept my money. 

After reaching out to them to either settle my account for less or be on a payment plan to pay the balance back in full, I was told that the debt had been canceled and I was issued a 1099C. Its possible I received one, though I can not recall ; however, this creditor is still reporting the full balance due monthly to the three major credit bureaus. If the debt was indeed cancelled, my balance due should be reported as {$0.00} and if it wasnt cancelled, then I should be given the opportunity to repay the debt. 

This unfair practice of the original creditor to not allow me to pay and continue to report a balance every month on my credit report, thus tanking my score, is making it nearly impossible to purchase a home or obtain new credit.