23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I wasn't sure on what to choose on the options given on the following questions. This is my problem. I have been paying a loan debt forgiveness company for almost a year. This company stated that if I paid the amount allotted for 10 years, my debt would be erased. It was a debt forgiveness program. I have had no problems with them until recently. I received an email on XXXX XXXX that my card was declined ( due to a new card, the did not have the new expiration date ) and I have tried to email them back, I've tried calling and I've left voicemails with no replies back. I recently logged on my account with them and it says that the FTC is filing a lawsuit against this company. I am unsure on what to do at this point with my account. I do not want my information in the wrong hands. This company has all my banking information and may social security number. I have been paying this company and the XXXX XXXX XXXX both XXXX dollars each month. I am unsure now if the Arete Financial Freedom Company was helping my loan status or not.
Product: Checking or savings account

On XX/XX/XXXX, I called Citibank for unauthorized transactions that I viewed on my account. Spoke to a representative and she seemed to be very helpful at the time. She said that my card would be expedited and that I would receive it within 2 to 3 business days. She always so said that they would waive the expedited fee. I was grateful for this and ended the call. Unfortunately with Citibank mobile app if your card is unblock, you can't use the app to verify and monitor your own account until you put an atm card number. Friday the XXXX came and no card. I waited until the XXXX, called and spoke to representative who said that the card was not expedited and was sent through first class mail and that " I should definitely receive it by tomorrow '', which was the XXXX. The XXXX comes no card. I look online at the Citibank page on my computer and it said card expected to be delivered by XX/XX/XXXX. XX/XX/XXXX comes, mailman hands me my mail and there's no letters from Citibank or whoever sends the card. I called Citibank again in the XXXX, to find out what's going on and upset that I don't have access to my funds since there is no branch near me to access my funds. The representative tells me that the card was supposed to be delivered by the XXXX. So he said they would resend a new card and actually expedite it. I am waiting.
Product: Credit reporting or other personal consumer reports

Dispute of unauthorized information reporting Under 15 USC 1681s-2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax had a security breach which affected 143 million Americans and did n't tell consumers for a month! And their executives sold off stocks 3 days after finding out about the breach which should be considered fraud. Furthermore, to sign up for the free year of credit monitoring they offered as consolation, you have to agree to terms of use which include your inability to sue them or be a part of a class action lawsuit.
Product: Student loan

Mohela is my student loan servicer and since they have been my servicer I have had problem after problem. There have no way to contact them other then waiting on the phone for an hour and if I am lucky not to get disconnected to finally speak to someone. When you do finally speak to someone about an issue it is deflected to another department or to contact Student aid. My latest problem is that I am back in repayment my first payment of {$28.00} was due XX/XX/XXXX, I made a {$40.00} payment on XX/XX/XXXX and it shows on the Mohela website. Since then I have also received an email on XX/XX/XXXX telling me that I am pasted due. If you log into my account not only does it show my payment being made on XX/XX/XXXX of {$40.00} dollars but now the total amount due for XXXX is XXXX. I called Mohela and a rep stated yes we see the payment, we don't know what the " glitch is '' but we will get the error fixed. Ok- great, today? No. Well before the next payment is due which is XX/XX/XXXX? No, it can take up to XXXX days for that to be corrected and to no longer show I am past due. The rep says dont worry it wont show you are delinquent there is a grace period for people who miss payments. Great- but that does no apply to me since I made the payment and Mohela has caused the error. This is a simple accounting error that Mohela has made but now I have to wait until they decide to fix it. I request to speak to a supervisor and I get transferred to a voicemail box that can take up to 2 days for a call back. 

Now I am in auto pay and since I have little trust in Mohela I worry they will take out a different amount since they have access to my account. I would like this to get corrected. 
Problem- shows I have a past due amount- when a payment was made Solution- correct the balance to reflect payment was made and timely, another possible solution transfer me to another servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Started to look at my credit Report to make sure my credit was in good standing and noticed multiple unauthorized inquiries on my report and confused on startled on how many were being reported. I was not aware of any of the inquiries being reported. The fraudulent Inquiries are listed : XXXX, XXXX, XXXX, 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

Exercising my right under the Fair Reporting Act 611 ( a ) ( 6 ) ( B9iii ) which provides that a a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available '', I wrote to TransUnion on XX/XX/20 and asked that they provide me with their method of verification of the bankruptcy showing on my credit report. While the " creditor '' in this case would be the US Bankruptcy Court in XXXX Indiana located at XXXX XXXX XXXX XXXX, XXXX, IN, I enclosed a letter from the US Bankruptcy Court in XXXX Indiana which states that " the court does not provide any information directly to any third party information gatherer. '' Since that is the case, the credit bureau or TransUnion in this case, could not have properly verified the information reflected on my report. The credit bureau did respond, however, to say that the information had been verified as accurate. They did not, however, state whom they spoke to nor how the information was verified.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 Chime unexpectedly closed my account. They said I had violated our agreement. I was not aware. I had {$5800.00} in the account. They said they would refund my money but never did. When I call now, they say they cant tell me anything about my account. I am not looking to reopen, just have my money returned.
Product: Credit card

A pep boy charge card suddenly showed up on my credit report. Saying I opened it in Florida and was taking my car in for repairs there in XXXX when I have been living in NY for XXXX years now. Someone did pay some of the charges but then stopped and now that card show up on my account. I called pep boy fraud and they told me they couldnt find anything in my name
Product: Credit reporting or other personal consumer reports

There is an collection account on my credit report that is being reported as negative, but I paid this collection agency in full. I have never open a account with them. They brought my debt from another company. I paid the collection the collection in full but it still reports as negative. This account has been inaccurate for almost 2 years now. There is now way to have a miss payment on an account that payments where never set up. This account shows paid in XX/XX/ 2021 but yet charged off in 2021 how is this possible. I have attached the receipt of payment from XXXX2021 Account name : XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

On XXXX, there was a hard inquiry on my XXXX and XXXX report that I did not authorize.
Product: Credit reporting or other personal consumer reports

Under the FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy its been over 30 days with the dispute they have Violated my rights and I would like these deleted. I advised you that I did not give the company authorization to pull my credit report, but they have verified it. 
My rights have already been violated please help me remove these inquiries. 

XXXX XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 
XXXX | XX/XX/2023 : Account number : N/A, How did you verify this account. I see this account is still not remove. Please delete. 
XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 
XXXX XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete.
Product: Credit reporting or other personal consumer reports

XXXX XXXX NA XXXX no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 1681 XXXX Card XX/XX/XXXX - no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 1681 XXXX XXXX no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C XXXX XXXX XXXX XXXX permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All inquirers reported to and obtained without my written consent is a violation under the FCRA U.S.C 1681 and aggravated identity theft pursuant to 18 U.S.C. 1028A
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I received two major inquiries in my credit file from Bmw Financial Services and XXXXXXXX XXXX. I never authorized or approved to them to check my credit file. I currently have a joint account were I am a co-debtor. The main debtor of the account was checking to open a new loan and removing me from the transaction, but, for some reason the car dealer and financial institution check my credit file when I have nothing to do with the transaction. 

I never authorized anybody neither verbally nor written to make the credit inquiry. Both inquiries has impacted heavily my credit score and I am very worry of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Experian : XXXX XXXX : XXXX open dates dont match up XXXX XXXX Experian : XXXX XXXX : XXXX open dates dont match up XXXX XXXX Experian : XXXX XXXX : XXXX open dates dont match up I have attached screenshots taking with the account numbers posted by them i have also attempted to dispute with creditors and furnishers they never sent proof showing the accurate information they clearly have two different open dates which is a mistake by law it must be removed. XXXX removed the account but XXXX and experian verified it which doesnt make any sense at all.
Product: Mortgage

For the past year of 2016 I have sent several complaints to CFPB concerning the irregularities at Seterus Inc to no avail because CFPB has not, in my opinion, investigated thoroughly Seterus Inc. and put a stop to their abusive manner in keeping their doors open.Seterus Inc has disbursed my County Taxes late incurring a late fee on my account and not taking responsibility for it, so of course, that late fee is coming out of my pocket, not happy with that, it took them 2 months to disburse my home insurance funds, again incurring in penalty fees, and again out of my pocket. 
This being my third complaint this year, and I hope its the charm that will get CFBP on their feet and investigate, because of me being unemployed for the past 9 months, I was awarded a forbearance through Neighborhood Housing, for a period of 6 months, acknowledged by Seterus, per attached, and I am still getting phone calls everyday, receiving correspondence, I am late with the mortgage payment per attached, harassed etc. Is that not illegal? I know for a fact that a provider can not harass by phone nor mail after an agreement has come into place by both parties. How many more complaints against Seterus Inc is it going to take before CFPB puts a stop to the irregular way Seterus does business? XXXX XXXX was discovered and their fraudulent manner of opening bogus accounts by CFPB, why cant the CFPB uncovers the manner they harass and their ability to play with peoples mortgages, putting them at risk of loosing their homes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been incorrectly reporting to Equifax for several months now that I am not only over 120 days but that I owe them {$160.00}. This account was paid in FULL in XXXX of this year. They are stating that they submitted a manual update to Equifax on XX/XX/ but as of today Equifax is still reporting money owed. This has impacted me negatively XXXX XXXX refuses to correct the problem as they have already updated the information and have advised me that I need to correct the problem myself. Credit bureaus report information furnished to them as its furnished to them so if they are reporting false information thats because thats what they have. Also credit bureaus dont accept information from consumers but from creditors, collection agencies, etc. so my only option at this point is to wait for it to age off my report and be removed at that time. I thought by law information had to be correct.
Product: Money transfer, virtual currency, or money service

- Paypal is not honoring their Fraud Coverage as advertised - Initial transaction {$3000.00} paid to seller on XX/XX/XXXX, XXXX though paypal. - Paypal name of fraudulent seller : PAYPAL XXXXXXXX XXXX XXXX XXXX - Dispute opened with paypal by myself XX/XX/24. - Dispute was decided in clients favor despite the blatant breaking of a written contract and partial product received being 0 % usable. - The XXXX purchased should still be being given as it was supposed to be over a 6 month period but I have not heard from seller since XXXX. - XXXX individual, XXXX XXXX, is an ex-convict having served 9 years prison in XXXX. He operates under the company name XXXX XXXX. - I am trying to appeal the dispute which paypal but there was no button or menu option on the website to appeal the decision. 
- I called paypal and the representative was unable to help me. Paypal Representative didn't know how to do appeal if menu option was not there and instructed me to make a claim with my credit institution, XXXX. 
- I opened the claim with XXXX per paypal advice on XX/XX/24 - On XX/XX/24 paypal sent me an email trying to wash their hands clean of the dispute and I qoute " You filed this dispute with your financial institution or credit card company, not PayPal. We cant provide additional details or updates on this claim because we dont have access to your financial institutions investigation details. '' - As a result Paypal is not working with me because I did something PAYPAL SUGGESTED I DO. It is like they trapped me with their suggestion in their web of red tape. 
- At this point Paypal is trying to claim no responsibility when they offer coverage for fraud. Paypal is not honoring this coverage. Having this coverage was part of the reason I felt comfortable with the transactions on paypal. Apparently, my confidence was mis founded.
Product: Debt collection

Received original notification that National credit systems wanted to collect on a debt that was not mine. The XXXX Apartments uses a third party company to collect for water, trash, sewer, cable and internet. I was then notified to pay on a bill that is not mine. I was not able to move in the apartment due to bed bugs. I have tried to resolve this issue with The XXXX, XXXX and XXXX XXXX Owners, National Credit Systems, XXXX XXXX, and all parties involved I have been working on this for a year. I have written to the manager of the collection agency, owners of all companies, and called multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unauthorized account on my credit report. XXXX XXXX XXXX . This account was never requested and I am not aware of these account can you investigate. Please correct/delete this misleading information, and supply me with a corrected credit report within 30 days. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Accounts XXXX XXXX XXXX Subject : Urgent Request for Deletion of Inaccurate Information Pursuant to the Fair Credit Reporting Act and Defamation Concerns : I am writing to address a matter of utmost urgency regarding the inaccuracies persisting on my credit report, as reported by your agency. I previously communicated my concerns, and despite your claim of having conducted a reasonable investigation, the inaccuracies persist, causing substantial damage to my credit score and resulting in defamation of my name, thereby adversely affecting various aspects of my life.

I have reach out to you and its been over a year In reference to the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. Sec 1681i ( a ), I assert my right to dispute and request an immediate correction of any inaccuracies on my credit report. Your continued reporting of erroneous information is not only damaging to my creditworthiness but also constitutes a violation of the FCRA, which mandates the accuracy and fairness of consumer credit reporting.

The inaccurate information pertains to the following account : Account Number : [ Provide the relevant account number ] Despite my prior request for investigation, your company has failed to rectify the errors on my credit report. In accordance with 15 U.S.C. Sec 1681i ( a ) ( 5 ) ( A ), which requires prompt correction of inaccurate information, I demand that you IMMEDIATELY DELETE the inaccurate information associated with the mentioned account from my credit report.

The perpetuation of these inaccuracies is causing significant harm to my financial standing, and I am left with no option but to insist on the immediate removal of the erroneous information. Additionally, I am concerned about the potential defamation of my name due to the continued reporting of inaccurate data.

To ensure compliance with the FCRA, I kindly request that you provide me with proof of deletion for the inaccuracies associated with the specified account. You can send the proof to my email address at XXXX and the provided postal address. 
I expect your prompt attention to this matter and a swift resolution in line with the FCRA guidelines. Failure to comply may result in legal action being taken to protect my rights under the FCRA. 
Thank you for your immediate attention to this matter. 
Including the requested documents, to my attention at XXXX and the address provided above. 

Your prompt attention to this matter is greatly appreciated, and we anticipate your cooperation in resolving this issue promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am contacting you because I was recently alerted that there were some fraudulent credit inquiries on my credit report that I would like removed at once because they do not belong to me and they are fraudulent and I am a victim of identity theft, Please make experian remove these inquires from my credit report and raise my credit score back to where it should be. XXXX XXXX XXXX and XXXX please remove as these are fraud and do not belong on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Amazon-sync bank has not taken this off my XXXX XXXX credit report! This matter was already dropped and taken off my other report! I want this company to take this error off both of my credit reports! I never applied for nothing with Amazon-sync and they shouldnt have the right to put derogatory remarks on my credit report!!
Product: Credit reporting or other personal consumer reports

Dear CFPB, This is now my third attempt trying to get Transunion to fix and do what they said they would do. I originally sent communication through CFPB XX/XX/2024 and XX/XX/2024 and each time I have contacted them they have failed me. Each time I have called to speak with customer service, they still to date XX/XX/2024 have not completed my request after I have sent them a new Federal Trade Commission report. I did my part and they replied back that once received that they will block/delete this adverse ID theft accounts within 4 business days. XX/XX/XXXX would have been the date that that would have been handled. 

I called Transunion and the customer account manager reviewed my account and told me that it still has not been processed and yesterday XX/XX/2024 I contacted customer service via their online chat, XXXX was the agent told me that my request still has not been completed. He completed a new reference number and # XXXX and promised it to be done this time. I have lost all faith when it comes to Tranunion and how the handled my account. I am asking the CFPB to assist. 

Also make note that I can't see my report online when I login. I only see my name and no accounts listed at all and the agent said she escalated it because she can see my accounts but I can't. Please fix!