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

XXXX sharing old accounts with other Finance companies and credit reporting AGENCIES and will not fix the problem Name is not right on Credit Report XXXX XXXX XXXX not XXXX XXXX setting me up for someone to use my credit authorize using on my account and I call my company and they had to remove my credit reports needs to be clean up and no one is doing it they put o neg account but showing neg reporting old car account from XXXX still on reports I got a car in XXXX XXXX XXXX they got a removal date in XXXX XXXX XXXX XXXX  same thing Transunion the same thing will not update or making Changes old Inquiry old not updating payments I call all my creditors they report monthly not changes address duplicate more then XXXX time some address not right will not let me dispute it and it is now going into XXXX some of there said not changes in payment last reporting in XXXX not correct my credit report is so mess up I do not understand it I ask for all three report never receive them
Product: Student loan

After filing my taxes for XXXX, I submitted paperwork through the XXXX website to recalculate my student loan payment for the XXXX repayment plan to use my lower XXXX XXXX. MOHELA received this application on XX/XX/XXXX. After processing the paperwork, they calculated my monthly payment amount to be {$110.00}. This amount is incorrect as it uses the XXXX XXXX XXXX XXXX amount for the 225 % deduction rather than the XXXX XXXX XXXX XXXX, meaning my payment should be lower ( specifically, $ XXXX ). 
On XX/XX/XXXX, I called MOHELA in an attempt to resolve the problem. I spoke with XXXX ( XXXX ID # XXXX ). XXXX put in a request for my monthly payment amount to be recalculated after I shared what the problem was and what the correct amount should be. XXXX said that I should hear a response in my Messages inbox on the MOHELA website within XXXX business days. 
MOHELA put a processing forbearance on my account when I originally submitted my IDR documents on XX/XX/XXXX that expired XX/XX/XXXX. This meant that I would have a bill due in XXXX. More than XXXX business days passed and I heard nothing from MOHELA. I called again on XX/XX/XXXX and spoke with XXXX ( Employee ID # XXXX ). XXXX informed me that on XX/XX/XXXX, my request was cancelled by MOHELA. There was no notification of this cancellation nor was there a reason given for the cancellation. I filled XXXX in on the situation and she told me I need to fill out a paper application and submit it directly to MOHELA and they will recalculate it using the correct XXXX Federal Poverty Guidelines figures. Another processing forbearance was put on my account until XX/XX/XXXX so MOHELA could resolve this issue. 
I submitted the paper application immediately after getting off the phone on XX/XX/XXXX. A few days later ( around XX/XX/XXXX ), MOHELA denied my application due to financial information not being provided ( even though I selected on the paper form permission for the IRS to provide that information to MOHELA ). I resubmitted the form on XX/XX/XXXX with a copy of my XXXX XXXX and a breakdown showing how the correct payment amount of {$110.00} is calculated. On XX/XX/XXXX, MOHELA approved the application and provided a letter showing that my monthly payment amount will be {$110.00}, again calculating the payment based on the XXXXXXXX XXXX XXXX XXXX  and not the XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX & XXXX ( Original Creditor : XXXX  ) # XXXX XXXX  # XXXX XXXX  XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

XXXX XXXX Last 4 ssn XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX fl XXXX XXXX XXXX Citibank Executive Response XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SD XXXX Fax : XXXX Email : XXXX RE : IMMEDIATE ACTION REQUIRED ILLEGAL CREDIT LIMIT REDUCTION Account Number : XXXX XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal complaint and demand for immediate action regarding an unauthorized and unlawful reduction of my credit limit on the above-mentioned Citibank-issued Best Buy credit card. 

Despite my account being open, in good standing, and NEVER lateas clearly reflected in my XXXX  credit report ( screenshots attached ) you decreased my credit limit without any prior notice or explanation. This is not only unethical but in direct violation of federal law. 



You Have Violated the Following Laws : CARD Act Section 101 ( a ) ( 1 ) You are legally required to give at least 45 days written notice before reducing a consumers credit limit. I never received any such notice.

CARD Act Section 101 ( a ) ( 3 ) If the decrease was based on credit bureau data, you are required to disclose the specific reason and source. I never authorized any such pull, and no adverse action notice has been provided.

CARD Act Section 102 I have the right to opt out of changes under certain
terms. No such option was ever presented.

Truth in Lending Act ( TILA ) Section 1026.9 ( c ) Creditors are required to notify consumers of significant changes, such as a limit reduction, at least 45 days in advance. This requirement was blatantly ignored. 

Facts : Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Status : Open Never Late Current Limit : {$1000.00} ( Reduced from previous amount without notice ) Balance : $ XXXX Monthly Payment : Always made on time ( See attached payment history )
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased my dog on XX/XX/XXXX from XXXX Bank since then I have been paying my monthly statements on time and in full. As of yesterday, XX/XX/XXXX I received a credit monitoring alert stating I was over my credit limit by {$260.00} with above creditor and reported to XXXX. My credit plunged by XXXX points. I immediately called the creditor and they advised I was on a " promotion plan '' and if the account was not paid in full by XX/XX/XXXX I would be charged additional interest. They increased my account from {$4700.00} to now {$6500.00}. There was a small box stating my plan would expire and be charged if not paid in full. I was unaware of any of these charges and how what the amount would be. When I called yesterday the Agent said there was nothing they could do since it was on my statement. 
I called in XXXX about this little box and the Agent advised I would be charged an additional max of {$70.00} to XXXX per month. NOT total interest for a year of {$1800.00}. 
As a consumer I feel this should have been explained to me back in XXXX or XXXX so I could have other options. I paid the {$260.00} today, although not due until XX/XX/XXXX. 
I feel a detailed letter should have been sent prior to the creditor reporting my account over the limit. Unjustified.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$570.00}, XXXX XXXX Balance : {$870.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$580.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$720.00} XXXX XXXX Balance : {$4800.00}, XXXX XXXX ( Original Creditor : XXXX PXXXX ) XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the reporting of my account, Account # XXXX with XXXX opened XX/XX/XXXX is in violation of my federally protected consumer rights to privacy and confidentiality under 16 CFR 313.7, 15 USC 1666a and 15 USC 1681 . I have sent the aforementioned company opt out notices and they have, and are, violating my rights by not complying with my opt out notices. Ive sent these notices to XXXX different addresses identified as XXXX ' Creditor Information addresses from my credit reports. 
I have requested Experian, XXXX and XXXX remove any and all information associated with my Avant Account # xxxxxxxxx due to violations being committed per regulations and laws under the Fair Credit Reporting Agency ( 15 USC 1681 ), The Privacy of Consumer Financial Information ( 16 CFR 313 ) and the Privacy Act of XXXX  ( 15 USC 552a ) to no avail. Along with numerous other violations, Experian reports the account with on time payments in XXXX of XXXX, while XXXX reports payments 30 days late in XXXX of XXXX and XXXX has no payment history available. Also, Experian has the account remarked with Unpaid balance reported as a loss by XXXX XXXX, transferred to another lender, XXXX has it remarked as Purchased by another lender and XXXX has it remarked as Charged Off Account. In addition, XXXX, XXXX and Experian each have different addresses listed as XXXX XXXX XXXX. I, once again, am formally requesting Experian, XXXX, and XXXX the remove the XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX from my credit report.
Product: Student loan

I have provided approval letters from multiple agencies. The documents state my XXXX XXXX XXXX loans are fraudulent. The federal ones have been taken care of but the private loans the school took out without my knowledge continue to remain. I have tried for years to get these loans canceled. But time after time I continue to get the same canned letter stating : Mohela latest response A variety of factors are considered in determining whether a private loan should be XXXX based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. 

Navient response XXXX carefully considers a variety of factors in determining whether a private loan should be XXXX based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. 

These loans continue to move to different servicers and the same canned response after collecting documents and filling out forms they continue to deny my claim. 

Please help me get this resolved. 

Thanks XXXX XXXX
Product: Credit card

Disappointed in card practices. This is 2nd time Dillards has done this. 1st time I had fraudulent charges and closed the account. Then, I was caring for my mother in Kentucky who I just put in a XXXX XXXX  and bought her new sweaters and opened up a new account with Dillards since I will be up there more.. I set up the payment on XX/XX/ with my bank XXXX XXXX with a due date of XX/XX/. Dillards claims it was not received until XX/XX/23. My banks and documents I sent show Dillards recd it on XX/XX/ not XXXX like they said. They are liars and will do anything to charge a fee. I paid it in fear they will just keep adding fees even if I challenge it and requested the account be closed. Now they will not close the account or place in writing they will. My payment confirmation # is XXXX. This is horrible way to treat customers and I expect my money reimbursed because XXXX said I had to pay it then make complaint but they will not close the account. I dont know what to do but someone should know this is the treatment people get with this entity. Its sad cause Dillards is one of my favorite stores.
Product: Student loan

When checking my accounts online today found that payment for my son 's student loans through XXXX was being drawn from the wrong account. At which time I called aes to channge account number to proper account, I was told that I needed to fil out a new direct debit application. I offered to give info over the phone and they refused to change the information. When I asked for a copy of the original document they refused to send me XXXX stating it was against their policies. We never received any. Confirmation of direct debit being set up or the correction could have been made sooner. Their only answer was to fill out a new application. They refused to take any account info over the phone. However they accepted a payment with same info last week with no problem.
Product: Credit card or prepaid card

I have a loan with THD/CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting alll 3 bureaus and THD/CBNA with no successful resolution. All 3 bureaus are reporting me late. There was definitely an error on their part. I was never 120 days late.
Product: Credit reporting or other personal consumer reports

XXXX 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. 
Account name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Debt collection

Constant calls to cellular phone. 
Constant calls to my employer sharing personal information. 
Old debt which was charged off.
Product: Credit card

I did no agree to or purchase the add-on XXXX XXXX It did not show up on earlier statements. I also went through a couple of months where they were making corrections to my account and just noticed the add on charge. I did not agree to the add-on and want the funds refunded.
Product: Student loan

I was in a Chapter XXXX bankruptcy that was XXXX in XXXX of XXXX. A few months later I started receiving collection letters about student loans. I spent hours on the phone trying to sort it out since I had n't received any other notification from any of them. XXXX XXXX XXXX did not want to give me the information regarding the lender and said I had to work with them. I tried contacting chase to get it squared away and thought I had it set up on deferment. In XXXX I got a letter from XXXX and XXXX XXXX offices stating I was being sent to collections. The man on the phone was very rude and I asked multiple times for the information for the company that had the loan and what exactly it was for. I said that I had already worked with the lender and he said that I had to set up payments. He had me concerned that I would have my wages garnished so I started trying to negotiate with him and when I told him there was no way I could afford those payments he got even more pushy. I told him I was at work and could n't do this at the time. I have since received a couple other calls and a letter from an attorney stating a suit has been filed against me and they would like to represent me. I have yet to receive anything about this suit and ca n't seem to get in touch with anyone that will help me. 

The amount on the letter is {$10000.00} and the letter from the law firm is dated XXXX/XXXX/XXXX. 

Letter came in my former name of XXXX. 

I do not find it fair that I did n't get any notification until an attorney is involved.
Product: Credit reporting

I called XXXX, equifax , and XXXX to make sure my fraud alert was put on my file, XXXX and Equifax are the XXXX that are giving me the run around and said it was and I asked them about all the inquiries that I had no knowledge of and asked them why they took them off then put them back on again. I was told I had to contact the creditors directly and discuss it with them but all this was taken off and put back on she said by mistake. How is that a mistake?? I have a copy of the police report sent out to all three credit bureaus. XXXX was able to take them off the same day over the phone but I feel like the other XXXX just do n't want to do their jobs.
Product: Credit reporting or other personal consumer reports

INFORMATION WAS OBTAINED UNDER DURESS ACCOUNTS WERE FROZEN ACCESS SHOULD HAVE BEEN DENIED. I INFORMED XXXX XXXX XXXX XXXXXXXX XXXX THAT I WOULD NOT UNLOCK THE CREDIT REPORTS. DO NOT RUN THE CREDIT FOR AUTOMOBILE FINANCING COMPANY. THE COMPANY DID IT WITHOUT PERMISSION WHEN TOLD NOT TO DO. 
THEREBY UNDERMIND THE WRITER 'S ABILITY TO CARRY OUT MAJOR GOALS AND OBJECTIVES AND UNDERMIND THE WRITER 'S SCORES BY XXXX POINT. 
THE CONTRACT ENTER UNDER THREAT, DURESS AND CORROSION ( T.D.C. ) THIS ACTION WAS DONE WITHOUT CONSENT NAME IS INCORRECTLY SPELLED
Product: Credit card

I recently received a letter from Wells Fargo dated XXXX XXXX stating that my account was past due and that my account was being shut down and I need to send them money immediately. I have not used this card in over a year and have not received a bill in that time. This is the first that I heard of a balance or that a payment was past due. 

They certainly have my contact and mailing information, since I receive advertising and other offers from Wells Fargo frequently to entice me to use the card again. At any time they could have sent me a bill, but instead have only contacted me when this balance I was not even aware of is past due. 

Earlier that week I contacted Wells Fargo about a fraud alert email because of an address change I did not make. It was a false alarm ( simply an update from the post office ) but no mention was made of this overdue bill at that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX # XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX has violated 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 reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED a. The credit bureaus must verify these items under Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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

EQUIFAX is causing me damage to my character and ability to obtain credit by their willful non compliance to remove accounts identified as a result of identity theft per attached letter dated XX/XX/2022. I provided the required documents. Most of the accounts/addresses were removed. 

I am requesting a copy of my consumer file from Equifax that has the certification that a representative of Equifax saw the written permissible purpose documentation as prescribed in 15 USC 1681 b2 that provided the permissible purpose that Equifax certified that I gave permission to these companies to have this information furnished on the consumer report. 
Because under 15 USC 68O2. None of these companies, financial institutions or third party affiliates can not put anything on my consumer report without my permission without my written consent. 

I demand the following accounts be deleted immediately. 

Name of account Account Number XXXX XXXX  XXXX XXXX XXXXXXXX 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 Account number XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. XXXX
Product: Credit reporting or other personal consumer reports

Transunion has inquiries on my report that aren't mine. I had them removed from XXXX  and XXXX. Transunion will not remove. 

XX/XX/year> - XXXXXXXX XXXX  XX/XX/year> - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX