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

XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # 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 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card or prepaid card

I received alert on XX/XX/2023 that there was a hard pull on my credit report, when i check it, there was a company i never heard of that had pulled my credit Comenity CapitalXXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX OH XXXX. 
I am in a program trying to buy a home the time and applying for anything right now would hurt my chances,. I disputed and the company responded with it was my inquire, but if I'm telling you it wasn't me, how can you say it was. i have other cards and loans that i actually applied for i take responsibility for that but i shouldn't get penalized for a company doing wrong. I also reached out to bbb and seen this company has did this to others, with it being a day before it was done to me.
Product: Student loan

Each month I pay extra principal for my federal student loan. Navient refuses to apply this extra portion towards principal and has been applying this towards future payment despite my repeated requests not to have this happen. This is costing me money in the long run. Their site also says that I have the option to choose how extra capital is applied but there is nothing in the site that allows for this. They have been misallocating my payments for over 36 months now.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a Auto Loan account opened at XXXX XXXX XXXX on XXXX XXXX, XXXX, under the account number ( XXXX ), an auto loan account opened at XXXX XXXX account on XX/XX/XXXX under the account number ( XXXX ) credit reporting XXXX XXXX opening date XX/XX/XXXX account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Student loan

I filed a recent complaint with Nelnet regarding this same issue and was given a satisfactory response. However upon calling them today they are telling me that it can take up to a year to fix this issue which was Nelnets fault in the first place as I had repeatedly indicated to them that I DID NOT want my loans to be discharged under the TPD automatic discharge. In XXXX I received a letter indicating my loans would be automatically discharged since I am a XXXX XXXX XXXX XXXX. I indicated in Writing as well as calling Nelnet well before the deadline that I did not want my loans to be discharged since I am still in XXXX Despite this Nelnet proceeded to discharge all of my loans and now I am unable to pay for school because of the incompetence of the XXXX discharge department at Nelnet. Nelnet needs to expedite this and fix it before my school starts as I use loans from the school to pay for my housing without which I will be homeless. I can not wait a year for them to fix something that was a lack of miscommunication on their end and of no fault of my own. They need to inform XXXX that my TPD application was cancelled and to reinstate my loans so that I can receive XXXX loans from my school. As you can see this letter dated XX/XX/XXXX that I received from Nelnet shows their acknowledgement that I had opted out of the TPD discharge. Despite this all of my loans were discharged even though I had indicated to Opt out.
Product: Mortgage

adverse action was taken against me because mortgage person was just only concerned about a XXXX appraisal fee. .and wouldn't explain why would i have to pay for additional appraisals if i wanted to compare other lenders... i have been banking with usaa..and the loan is guaranteed or backed by the va..I then called usaa back and tried to ask questions and all her answers were like matter of fact. .like they didn't want my business... 
i have XXXX bank accounts. .and i made ridge at XXXX ... .everyone of the adverse actions and turn down is very discriminatory... and im sure its because I'm of XXXX... I've been banking with them for XXXX years never late on a payment with USAA..Very disappointed and hurt from by me asking questions they treated me as i didn't deserve the respect.. Im a XXXX XXXX  veteran, and a XXXX veteran..and was treated horrible
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Transunion Credit Bureau but they failed to give me any results or feedbacks about this concern. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please have this account repaired for once : XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Transunion credit reporting agency XXXX XXXX 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 a collections cellular phone account opened at XXXX XXXX under the account number XXXX with a balance of {$940.00}, multiple student loan accounts opened with the Department of Education XXXX under the account number XXXX, a hard inquiry opened with XXXX on XX/XX/XXXX, a hard inquiry opened with XXXX XXXX XXXX XX/XX/XXXX, a hard inquiry opened with XXXX XXXX on XX/XX/XXXX, a hard inquiry opened with XXXX XXXX XXXX XX/XX/XXXX, a hard inquiry opened with XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulant items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer 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.
Product: Credit card or prepaid card

Bank of America is charging customers foreign transaction fees when they are not converting currency. 

I purchased items from a company XXXX and used XXXX service to complete the transaction. When I received my Bank of America Statement, there were foreign transaction fees attached to the charges. The first set of transactions took place on XXXX/XXXX/XXXX for {$85.00} ( foreign transaction fee of {$2.00} assessed ) ; XXXX/XXXX/XXXX for {$53.00} ( foreign transaction fee of {$1.00} assessed ) ; and then XXXX/XXXX/XXXX for {$38.00} ( foreign transaction fee assesed {$1.00} ). 

After this first incident, I was told by Bank of America that currency must have been converted ( even though they were unable to see any conversion happen ) and they said that is why I was charged the fees. I reached out to the original vendor ( XXXX  ) and they were confused because they were payed the exact amount in USD.  XXXX assured me this was an error and apologized and gave me a store credit for the amount I was charged by Bank of America. 

I placed another order with XXXX on XXXX/XXXX/XXXX for {$34.00} and was assessed a foreign transaction fee of {$1.00}. This time I contacted XXXX and XXXX again. 

I am told by both XXXX and XXXX that there is no conversion of funds occuring and money is not being sent outside of the US so there should be no foreign transaction fees assessed. I am also told by XXXX that the customer " XXXX '' has a XXXX address and this could be why Bank of America is charging these fees. I have also been told by XXXX that they do have issues with a few American Banks that charge their customers foreign transaction fees even though the money is being transferred in the US because of their XXXX address. I have not discussed this directly with Bank of America since the first incident. 

So, it also seems that XXXX should have this information prominently displayed on their website at checkout that they are NOT located in the US and charges could result in foreign transaction fees ( even though the address on their website is XXXX XXXXXXXX XXXX ... XXXX XXXX XXXX ) or XXXX should be notifying the buyer of this potential fee since they are basically the middle-man/money manager here and know the address information for the vendor. 

But in closing, Bank of America should NOT be charging these fees just because the address of the owner of the XXXX account is in XXXX. I know this is not a lot of money I am out here but it 's the principal of the practise. I am certain there are many people out there that do not read their cc statement and probably do n't even realize this is an issue.
Product: Student loan

I submitted my PSLF ( XXXX ) on XX/XX/year> with an employment period of XXXX. This application was processed but only for a single day. The employment period showing in my account says XXXX. After I submitted my application, all processing was paused during the transition from XXXX to StudentAid.gov. 

Once processing started again, I was told that this application could not be reprocessed because it was already completed. I was advised to resubmit an application. I resubmitted an application PSLF ( XXXX ) on XX/XX/year>. I got an automatic response that there were no signatures. I rechecked my application and all signatures are present. I resubmitted PSLF ( XXXX  ). I again got an automatic response that there were no signatures, so I tried one more time PSLF ( XXXX ). On XX/XX/year>, I called studentaid.gov for assistance. I was advised to resubmitted my application. I resubmitted PSLF ( XXXX ) and received another auto-generated response. She told me she would walk through the process with me and I resubmitted PSLF ( XXXX ). I once again resubmitted my PSLF application ( PSLF ( XXXX ) ) and received another automatic response. She then advised me she didn't know what was going on and to submit my application via fax. I resubmitted via fax PSLF ( XXXX ). 

PSLF ( XXXX ) was rejected because my employment status ( Section 4, # 5 ) was not checked. I can see on my application that my employment status was checked as full-time. I don't know why whoever saw my application said that box wasn't checked when it was. I was advised to submit a reconsideration request. And that was also denied. 

I've called customer support several times, I've requested that my issues be escalated, I've requested call-backs, and there has been no resolution to my issues. I don't know what else to do.
Product: Credit card or prepaid card

In XX/XX/XXXX I closed all my HSBC accounts ( i.e., Savings, Checking and Credit Card ). In order for me to close the accounts, the bank requires that all balances are 0, otherwise they wont close your account. I therefore paid my credit card balance with money from my savings account ; set the balances to 0 of all the accounts and closed each account thereafter. HSBC mailed me letterhead notifications communicating that my accounts have been closed. 

On XX/XX/XXXX, HSBC Collection team called me to say that my credit card had an overdue balance equivalent to the last statement balance that I had already paid. I requested them to mail me all my account statements ( for checking, savings and credit card ) for the past 3 months so I could verify the movements between my accounts. Given that my accounts were closed, I could not retrieve those online. 

On XX/XX/XXXX, I only received the Credit Card balance statement, so I was still unable to verify my account activity. I called again and requested for the statements for my Savings and checking as well. 

On XX/XX/XXXX I received again the credit card statements. I tried calling the bank, and the line goes silent. 

I explained several times to the Collection team that I want to check my accounts statements to verify the activity before my accounts were closed ; so I can verify that my XXXX payment did not go through. As of today, the bank failed to respond to that request, which already generated a monetary impact due to the late payment fees they continue to collect, but also to my credit score.
Product: Credit reporting or other personal consumer reports

I recently received the results of my dispute regarding the late payments reported on my credit file. I appreciate your prompt response ; however, I have some concerns that need further clarification and action as per the Fair Credit Reporting Act ( FCRA ) that wasnt followed. 

Late payments reported on my report are as followed : XXXX 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 In my dispute, I requested documentation verifying the late payments in question. SO, WE DONT WASTE NO MORE TIME. IM NOT ASKING YOU TO VALIDATE THESE LATE PAYMENTS!

IM TELLING YOU TO PROVIDE ME DOCUMENTATION OF WHO YOU CONTACTED, NAME OF CONTACT, PHONE NUMBER OF CONTACT, DETAILED DOCUMENTATION VERIFYING THESE LATE PAYMENTS.

According to the FCRA, specifically 15 U.S. Code 1681a ( Definitions ; rules of construction ) and 15 U.S. Code 1681s-2 ( Responsibilities of furnishers of information to consumer reporting agencies ), there are stringent requirements for ensuring the accuracy and integrity of information reported on consumer credit files.

15 U.S. Code 1681s-2 ( a ) outlines the duty of furnishers of information to provide accurate information : 1. Prohibition : ( A ) Reporting Information with Actual Knowledge of Errors : It is prohibited to furnish any information relating to a consumer that the furnisher knows or has reasonable cause to believe is inaccurate.

Additionally, under 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) : Exclusions : Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report.

Given these provisions, I request detailed documentation verifying these late payments, including : 1. The specific records used to verify the late payments.

2. The identity of the person or entity you spoke to who verified the late payments.

3. Any additional documentation that supports the accuracy of the reported late payments.

It is my right under the FCRA to receive a thorough investigation of my dispute. The information provided must be accurate and verifiable. If the reported late payments can not be adequately verified with documented proof, they must be corrected or removed from my credit file. I want these late payments updated to paid as agreed or OK.

Please respond to this request with the necessary verification documents within 30 days. Failure to provide sufficient documentation may result in further action to ensure my rights under the FCRA are upheld.

Thank you for your immediate attention to this matter.
Product: Debt collection

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. 

The account in question is National Credit System on behalf of XXXX XXXX XXXX XXXX XXXX I provided the apartment complex with a 60 day notice prior to moving out due to purchasing a home. I also paid the reletting fee and ensured the unit was cleaned prior to my departure ( I have documentation of this ). The apartment complex claims I never paid them and proceeded to put a balance on my credit report that I do not owe. I have fought this matter tiredlessly and it has begun to affect my emotional being and cause extreme distress. This violates my consumer rights under the FCRA. I am requesting this item be removed and I am moving forward with filing a complaint with the FTC, attorney general and a civil suit in XXXX XXXX XXXX for punitive damages.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  has been on my credit report for over XXXX  years and they compy will not remove it, per the fair debt collection reporting act I have contacted the company and they have failed to remove it, XXXX is XXXX  years from XXXX, XXXX  I want this company to remove the negative item off my credit report immediately.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has documented Equifaxs repeated failures to conduct proper investigations into consumer disputes, even facing legal action for violating the Fair Credit Reporting Act ( FCRA ). This track record of non-compliance is unacceptable, and I will not allow my credit profile to be affected due to negligence or misconduct.

Federal law ( 15 U.S.C. 1681i ) is clearEquifax is required to conduct a thorough reinvestigation of any disputed information within 30 days. Any data that can not be verified as 100 % accurate must be deleted from my report immediately. I am demanding that these errors be addressed without delay, as their presence is directly harming my financial standing. Non-compliance will not be overlooked.