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

I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate items are still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. 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 fix the account : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : states a consumer reporting agency can not furnish an account without my written instruction.

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, 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 or has reasonable cause to believe the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I noticed that there were 2 transactions in my Fifth Third checking account that were not initiated by myself or my husband. Both transactions were completed using the XXXX service which is offered through our 5th 3rd mobile app. 
Transaction # 1 was done on XX/XX/XXXX at XXXX XXXX  {$990.00} was XXXX  to recipient XXXX  XXXX via phone number XXXX Transaction # 2 was done on XX/XX/XXXX at XXXX. {$990.00} was XXXX  to recipient XXXX XXXX via email address XXXX On XX/XX/XXXX I called 5th 3rd Bank to file a dispute for both of these transactions. I was told that the investigation would take 7-10 business days. I spoke to 5th 3rd on Monday, XX/XX/XXXX to follow up on the investigation and I was told that the case was closed as they determined the charges to be correct. Obviously upset with this outcome I requested that the care be re-investigated. I was told that they would reopen the case, investigate but that since it was a XXXX person to person transaction its treated as cash and XXXX will not refund 5th 3rd. Therefor 5th 3rd will not be refunding my account for these fraudulent charges. 
I have tried numerous times to contact XXXX at XXXX. It is literally impossible to speak to a person at XXXX. I completed an email dispute form with them but have heard nothing. Their website says that You may also report the user directly to the FBI Internet Crime Complaint Center at https : //www.ic3.gov/default.aspx. on XX/XX/XXXX I made a comment on XXXX 's XXXX  page and they XXXX messaged me to " offer to help ''. I shared with them via XXXX messenger what has happened. Hoping that finally I've been able to connect with XXXX and may they will help me, I check the message. They did not read the message and blocked me so I am no longer able to communicate with them. 
I have included copies of the XXXX confirmations for each transaction. I have spoken to Fifth Thirds dispute department several times. That phone number is XXXX. The claim number is XXXX. If you need any other information, please dont hesitate to call me at XXXX. Thank you for your help in this matter. Its very much appreciated.
Product: Student loan

MOHELA has misapplied my payments and currently does not know where the money is. I have bank statements going back as far as of XX/XX/XXXX showing money withdrawn from my account and CLEARING my account. 
I tried calling MOHELA yesterday ( XX/XX/XXXX ), however it was over a XXXX minute wait. I called them this morning and waited over XXXX minutes. I spoke to XXXX @ MOHELA around XXXX XXXX ( XXXX  ) and she was a trainee and unable to assist me with my concern. I waited on hold for another XXXX minutes and spoke to XXXX @ MOHELA around XXXX XXXX ( XXXXXXXX ). 
Per XXXX @ MOHELA, in their system it shows that payments were made and/or cancelled or reversed on their end. She went over the amounts and their information is way off. Per XXXX, nothing appears to be wrong on their end and now wants me to submit a substantial amount of proof, which is going to take me a lot of time to gather and send over. There is something wrong with their system or someone may be embezzling money on their end. 
This should not be happening to me and it is wasting a lot of my time on their errors.
Product: Credit card

I applied for a credit card through Barclays. I got approved in XX/XX/XXXX. I was forced to move before I ever received the physical card. When I went in to unlock it, they required a bank account statement with my new physical address, a drivers license with my new address, and my social security card before I could get into the account. It took me months to update all of my information and receive all required documents. On XX/XX/XXXX I had a minimum payment due of {$99.00} dollars. I was still unable to get into the account despite calling and asking to manually pay the bill. Finally on XX/XX/XXXX all of my documents were sent in and I was able to pay the late balance off. My credit score has gone down over XXXX points because I was unable to pay off a {$99.00} dollar debt for a card that I was unable to get into.
Product: Mortgage

I spoke with Senator XXXX XXXX office and they said that I should file a complain with your department. 

I am writing to you to request your help. My wife and I are attempting to get a loan modification on our mortgage. We completed a trial modification and made all payments on time. When they sent us a final offer, it included the principle balance which was {$360000.00} plus an {$80000.00} balloon payment that covers interest that accrued when I was unemployed. The house is currently worth {$300.00}. I told them that we would accept an offer to pay {$360000.00} with no balloon payment. I believe this is fair as it is XXXX % above market value. They rejected this offer and put us back in foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN continues to violate my rights by being noncompliant United States Code title 15 chapter 41 and title 15 chapter 94. EXPERIAN continues to report unverified, inaccurate, and prohibited information. By communicating unverified, inaccurate, and prohibited information EXPERIAN is acting in the capacity of a debt collector. By communicating unverified, inaccurate, and prohibited information EXPERIAN is discriminating against me. EXPERIAN is communicating my nonpublic personal information without my permission. EXPERIAN never gave me the opportunity to opt out of certain information being communicated. I sent EXPERIAN a letter requesting changes be made to my report. I called EXPERIAN after i received the certified mail return receipt for an update and i was told that the information congress prohibited will still be communicated.
Product: Debt collection

At random, my husband was contacted about student loans from 2005. Allegedly, these are loans that are given to them by the Attorney General to collect on and that they will seize our tax returns and garnish wages unless we agree to some sort of consolidation loan. A representative from XXXX XXXX XXXX XXXX continues to contact us for a student loan that was not used. University of XXXX has no record of it being outstanding.
Product: Debt collection

Midland Credit Management prey on OLD people! I have asked MCM-Midland Credit Management the said company namesbelow to prove consent and they can not. They refuse to cooperate by mailing or giving me the consent they claim was given to charge my account. I want to sue and receive the monies fraudulently taken from my checking account by the company Midland Credit Management or MCM or Midland Funding LLC or Encore Capital Group , Inc. who unlawfully without consent took {$7500.00} from my checking account. The representative from the company said that they have the consent on a recorded line ; I asked MCM to prove the consent and can not. They can not prove the consent!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

{$420.00} was withdrawn from my account through an external member-to-member transfer to XXXX XXXX. I did not authorize this withdrawal. I sold the company to XXXX XXXX and XXXX XXXX on XX/XX/year>, and I am no longer associated with XXXX XXXX. The funds should be returned to my account immediately, and I should not be linked to this organization or any lines of credit they have. As of the sale date, I was removed from the business account, and there is no reason for me to be connected to any credit lines associated with the business.
Product: Credit reporting, credit repair services, or other personal consumer reports

For several months, I have repeatedly asked XXXX Information Services XXXX XXXX, Transunion and XXXX to objectively resolve my credit issues relative to the hard inquiries which shouldve been reported as promotional or soft inquiries. I have reached out to the respected companies but of to no avail. I have only authorized soft/promotional inquiries and the unduly hard inquiries constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please coordinate with the companies to REMOVE/DELETE these inquiries from my credit file as I have not signed any applications for credit. I have also asked in addition of their investigation to please send me the nature in how they conducted the investigation to determine and prove the validity of these inquiries. 
Inquiries are a factual record of file access, and it is the credit bureaus that are reporting these unverifiable requests for my credit. I have been instructed to work with XXXX and XXXX XXXX XXXX located at : XXXX XXXX XXXX, XXXX Floor, XXXX, TN XXXX, that will also assist with this process if the inquiries are not promptly removed. I fully understand that my rights, according to the [ 15 U.S. Code 1681b ] 604, were violated and that these inquiries need to be removed immediately.
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries. I have asked the credit bureaus XXXX, Equifax and XXXX to remove these inquiries and they did not. I am providing an Identity Theft Report that will be attached to this and requesting that the inquiries be removed due to them being inaccurate and unauthorized. 

Thank you!
Product: Credit card or prepaid card

When payment was sent to walmart mastercard on XX/XX/XXXX18 in the amount of XXXX the payment was applied incorrectely to the zero interest rate promotional balance instead of the higher interest rate balance and when contacted I was told the payment would be corrected, however a month later I received a new statement and a letter detailing federal regulations regarding payments and how they are to be applied. These regulations were not followed and my payment was not applied to the balance with the highest interest rate. Instead the payment was applied to the balance with 0 interest rate and the balance with the highest interest rate remained on my account, which continued to accumulate interest monies for the credit card company. I think that walmart is in violation of these federal regulations and owes me the interest accumulated due to this act. I spoke with them once again and I was told that they could not correct the payment applied to the correct balance with the highest interest rate and in my opinion is clearly in violation of the law ( regulations ).
Product: Credit reporting or other personal consumer reports

Subject : Request for Permissible Purpose for Credit Inquiries Dear, XXXX, TransUnion, and XXXX I am writing to request an explanation of the permissible purpose ( s ) under which your organization has reported inquiries on my credit report under the name XXXX, XXXX XXXX XXXX. 
These inquiries appear to have been submitted to or through your agency. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, consumer reporting agencies are permitted to provide access to credit information only for specific purposes, such as : 1. Credit transactions initiated by the consumer.

2. Employment purposes with the consumer 's consent.

3. Insurance underwriting initiated by the consumer.

4. Legitimate business needs in connection with a transaction initiated by the consumer.

The FCRA mandates that all credit inquiries meet one of these permissible purposes. I kindly request : 1. A detailed explanation of the permissible purpose associated with any and all inquiries reported under my name.

2. A list of entities that accessed my credit report through your agency and the reason for each inquiry.

3. Copies of any records or documentation you have on file that support the reporting of these inquiries. 
If any inquiries were conducted without a permissible purpose or without my consent, I respectfully request that you investigate the matter and remove any unauthorized inquiries from my credit report. 
Please respond to my request within 30 days as required by the FCRA. You may contact me at the information provided above if additional details are needed.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in May 2023 to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card

I received an email notifying me that my Citibank Home Depot card was closed, but no additional information was provided. My notification preferences are set to receive all communications via email. I called customer service to inquire about the closure of my card and spoke with a representative. She informed me that a letter had been sent to my home address, stating that the account would be closed due to inactivity. She also informed me that since the account was closed due to inactivity, I can apply for a new card. I explained that I had requested all communication to be conducted via email because of inconsistent mail delivery to my home. 

The representative informed me that such notifications can ONLY be sent via postal mail. I then asked to speak with a supervisor, who explained that the account was closed at the request of the credit bureau. I requested an electronic copy of this information so I could understand the reasons behind the closure and avoid similar issues with my other cards. Once again, they stated that only a paper letter had been sent, and this is the only form of communication for this type of issue. 

I explained that I needed either an electronic copy or for the letter to be sent via certified mail to ensure receipt. However, they informed me that there was no way to do that. Now, my account is closed, and the representatives provided me with XXXX different reasons for the closure. I am left without clarity and unable to understand what happened, as they can only send letters in the mail and can not provide any copies via email or through my online account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX are reporting double accounts for the same amount. One account from XXXX XXXX for XXXX and the same account being reported by XXXX XXXX XXXX XXXXXXXX for XXXX. And this amount twice/ {$81000.00}, and this amount twice/ {$30000.00}. 

In Essence, I only have one loan with one servicer, but it is being reported to my credit report that I have two servicers, and two loans. Six loans total, which is inaccurate. 
XXXX x XXXX XXXX x XXXX XXXX x XXXX Please have them correct this error as it is negatively affecting my credit score and XXXX, thus causing me to not qualify for much needed loans, and a mortgage I am trying to qualify for. Therefore causing me financial harm.
Product: Credit card

I believe what happened was a system error. I normally pay my cards online and I remembered making my payments for those months ; I have not missed a payment since I had the card. It could have been a system error and the payment was not processed. I also was never notified about my late payments- no phone calls, emails or mail to inform me about the late payment. I only noticed that I had missed payments when I checked my credit profile online. I have already contacted US bank and settled this issue with them and told me to explain my situation here. It was an honest mistake, simply overlooked the accounts and did not catch that the payment failed to go through. Since this never happened before, and is affecting my credit greatly, I am requesting that this report be removed from my account. Thank you.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports