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

i am responding to this on a different complaint again but same issue. 

From previously closed complain : Company 's Response American Education Services " The Office of Consumer Advocacy ( OCA ) at Pennsylvania Higher Education Assistance Agency ( PHEAA ) received your correspondence through the Consumer Financial Protection Bureau ( CFPB ) portal regarding your student loan which was previously serviced by American Education Services ( AES ). The OCA performed a review of your XXXX XXXX XXXX ( XXXX ) held by the National Collegiate Student Loan Trust ( NCT ). Specifically, we reviewed the loans financial activity and credit reporting. In your inquiry, you expressed concerns about the unfavorable credit reporting that occurred on the loan. Because the loan had been current prior to the cosigners bankruptcy filing, you requested for the charge-off to be removed from your credit report. As you may already know, the cosigner on the loan filed for bankruptcy on XX/XX/XXXX. As a result, the XXXX defaulted in accordance with the terms of the Credit Agreement. At the direction of NCT, the loan transferred from AES servicing system to NCTs collection manager, XXXX XXXX XXXX XXXX ( XXXX ), effective XX/XX/XXXX. This information was submitted to the consumer reporting agencies. AES received and investigated your credit reporting complaint. AES investigation included the review of all relevant account history and documentation, including any information you provided. Based on this review, AES determined the information reported is accurate. Therefore, no adjustments will be made to the credit report. No further action is planned by the Office of Consumer Advocacy at this time. If you require any information on the status of the loan after its default, please call the collection manager, XXXX, directly at XXXX ( telephone number ). For additional questions regarding your loan prior to its default, please feel free to contact AES directly at XXXX. Loan representatives are available Monday through Friday from 7:30 a.m. to 9:00 p.m., ET. '' Ill be short and to the point. This account is a charge off supposedly NCTXXXX owns it and XXXX is currently in possession of my account. Id like to be provied proof and documents that XXXX actually owns this debt and that i even owe them. Provide the transfer paperwork and verify this debt showing the transition from XXXX XXXX XXXXXXXX and when it was a XXXX loan back in XXXX. If this account cant be verified and proven that NCT legally owns this please remove and delete from all 3 credit bureaus. 
Its been over 4 years since it was charged off and there is no other collections or accounts after AES charged it off. I believe this is an unverified debt and is noncollectable. As you can see i was current since NCT/AES has advised to Default and practice unfair practices I will be expecting proof of ownership and legal right to collect and if this cant be resolved here i will resort to legal action.
Product: Credit card or prepaid card

In XXXX I closed a Best Buy Citibank account that was inactive for years. 

In XX/XX/XXXX, I recieved a bill in the mail for {$XXXX}. I immediately contacted CitiBank and told them that I did not open this account, and the charges on it were fraudulent. 

The email and address used for the new card are not my email, and it is an address I had not lived at for months. 

After their investigation, they said I was still responsible for the charges because it was purchased at a store " Within driving distance ''. 

XXXX  times I have requested another investigation, and they have opened/closed with the same results.
Product: Credit reporting

I am a XXXX percent XXXX military Veteran who applied for the student loan forgivenessXXXX program. I got a letter in XXXX 2011 from the XXXX, stating that my request to receive the forgiveness/XXXX was approved. I later receive a letter from XXXX that the request was approved. I was refunded of the amount I paid on the student loan on XXXX XXXX, 2011. 
Months later I looked at my credit report and see that the loan was reported as being late 120 day by TRAN UNION. Based on my understanding, under the XXXX XXXX, a veteran who seeks federal student loan forgiveness if they receive a XXXX XXXX rating by the XXXX should not be penalized with bad credit. Since I received a discharge based on VA documentation of my XXXX, my credit report should show that I no longer owe the loan, not that it was " assigned to government '' for monitoring.
Product: Credit reporting or other personal consumer reports

Under the stipulation of 15 US code 1681i ( 6 ) ( B ) ( III ), it is mandated that consumer reporting agencies ( namely Experian, XXXX, and XXXX ) are required to furnish a written notification to a consumer ( in this case myself ), upon request, detailing the methodology employed to verify the accuracy and completeness of the information on record. This includes providing the name and address of any information provider contacted durning the verification process along with their contact number. over 30 days ago i solicited documentation to substaniate this account yet I have received no such documentation, without legitiment poof or backing these accounts, it has no basis to be included in my credit report XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was charged 2 overdraft fees ( XXXX XXXX XXXX for transactions ( {$8.00} and {$8.00} ) dated XXXX. My ending daily balance for XXXX was {$7.00}. Wells Fargo is charging these 2 overdraft fees based on pending charges that are dated for XXXX. The charges that are labeled as pending transactions and have not cleared my account and I can always make a deposit that would have covered these 2 charges that are currently pending. Or those charges could fall off. They have not cleared my account. I don't feel I should be charged overdraft fees based on charges that haven't cleared my account.
Product: Credit reporting or other personal consumer reports

I cosigned a loan on a truck for a friend. The truck was totaled in a wreck and the insurance company paid the claim. The amount was short but there was a XXXX policy with XXXX. The primary loan holder filed papers with XXXX on XX/XX/year>. XXXX sent out a request for payoff and payment history on XX/XX/year> and never received a response from the bank. XXXX sent out XXXX more requests on XX/XX/year> and again on XX/XX/year>. On the day of XX/XX/year> I noticed my credit had a 30 day late for the bank. I called the bank and found out the truck had been wrecked and after investigating found out the bank never supplied the payment history in XX/XX/year> or XX/XX/year>. It was my call to the bank that triggered them to respond to the request sent by XXXX. XXXX paid the claim on XX/XX/year>. The amount was short, so the bank added a 60 day late. In all of this time the bank never notified me the loan was delinquent and payment was due. I only found out the loan was delinquent when my credit was showing the late payment. Since XX/XX/XXXX I have disputed the charges with the credit bureaus and spoke with numerous bank employees with no progress. In fact, after disputing the late payments the bank added a new late payment for XXXX. My issue is no one notified me this loan was in default. I never received a letter, email, phone call, text or had any notice from the bank the loan was in default. When I spoke with the bank they tell me I am equally responsible for the loan. My issue is the bank didn't treat me like an equal since they didn't notify me. This could have been resolved sooner with some notification. Unfortunately for me is the primary buyer assumed the gap would cover the difference and due to the bank not supplying the payment history in XXXX the money was never sent.
Product: Credit card

I upgrade my credit card with American Express and I was told my reward dollars would be transferred to my new card, I doubled checked before I cancelled my old card and was told that my rewards {$35.00} would move over to my new card so I cancelled the card.I waited two weeks to check on my rewards and was told they ca n't transfer the money, I lost the money.
Product: Money transfer, virtual currency, or money service

I transferred money to my brother via PayPal. My understanding was that I am sending {$3000.00}, {$0.00} fees and he receives {$3000.00}. The reality is that he ( the recipient ) ended paying 7.4 % fee. When I asked PayPal to revert the transaction ( my brother was going to refund the money ) I was told by PayPal that he would still have to pay the transaction fee. I believe that their practice is not clear to the sender and that PayPal takes advantage of people by charging them abnormal fees. Most banks would charge {$40.00} to do the same.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Credit Reporting and Failure to Correct Errors Complaint Details : In XXXX of XXXX  I sent a dispute letter to the Credit Reporting Agencies regarding inaccuracies on my credit report. Specifically, the dispute concerned late payments and charge-offs that were erroneously reported. I provided XXXX, Transunion and XXXX with all necessary documentation and requested that these inaccuracies be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ), particularly under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ). 

XXXX, Transunion and XXXX responded to my dispute, claiming that the information was verified as accurate. However, they failed to provide sufficient evidence to substantiate their verification and did not conduct a thorough investigation as required by law. This response from the Reporting Agencies violates my rights under the FCRA, as they are required to take reasonable steps to ensure the accuracy of the information they report and to conduct a proper reinvestigation when a dispute is submitted. 

Due to XXXX failure to correct these inaccuracies, I have suffered significant harm, including damage to my creditworthiness, loss of business opportunities, and emotional distress. As a result, I am seeking the following remedies : 1. Immediate removal or correction of the inaccurate information on my credit report.

2. Compensation for damages, including {$1000.00} per inaccuracy, as outlined under the FCRA for willful noncompliance. 
XXXX. A formal apology from XXXX for their failure to comply with federal regulations. 

Additionally, I am preparing to escalate this matter to litigation if XXXX does not resolve this issue within 30-45 days. I believe that Experians failure to address these inaccuracies is a willful violation of the FCRA, and I am seeking appropriate legal remedies to ensure compliance and to protect my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't find the contact for XXXX/credit bureau. 

On XXXX XXXX 2019 I had disputed XXXX XXXX XXXX for {$1700.00} ( and {$700.00} still waiting ) that was incorrectly on my account for years bringing my score down. Through XXXX, I disputed it and on XX/XX/XXXX the item was removed from my credit report. 
BUT the years of damage that the error caused on my score still remains. They had no right to put it on my account in the first place, and my score should have jumped at least 100 points to make up for the error that was put on my account.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : XXXX XXXX TransUnion for XXXX XXXX XXXX XXXX XXXX on XXXXXXXX XXXX  XXXX Account Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXXXXXX XXXX XXXXXXXX account with the following details : Account Number : XXXX High Balance : {$4400.00} ( TransUnion, XXXX ) ; {$4000.00} ( XXXX XXXX Last Verified : XX/XX/XXXX ( TransUnion ) ; Not Verified ( XXXX, XXXX XXXX Date of Last Activity : XX/XX/XXXX ( TransUnion ) ; XX/XX/XXXX ( XXXX, XXXX XXXX Date Reported : XX/XX/XXXX ( TransUnion, XXXX ) ; XX/XX/XXXX ( XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Paid Account Status : Closed Payment Status : TransUnion : Late 30 Days XXXX : Late 30 Days XXXX : Current Creditor Remarks : TransUnion : Canceled by XXXX XXXX XXXX : Account closed due to inactivity XXXX XXXX Closed or paid account/zero balance ; Accounts closed by credit grantor Payment XXXX XXXX {$0.00} Credit Limit : {$4000.00} Two-Year Payment History : TransUnion & XXXX : Reports a XXXX late payment. 
XXXX : Current with no late payments noted for the two-year history. 
Despite multiple requests for correction via letters dated XX/XX/XXXX and XX/XX/XXXX, my requests have been ignored. This failure to address inaccuracies violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of consumer files. The inaccurate reporting of a 30-day late payment, which is inconsistent across credit bureaus, indicates negligence in adhering to this mandate.

TILA Violations According to 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to comply with this requirement, directly impacting my creditworthiness.

Impact on Creditworthiness The inaccurate late payment notation has caused significant harm to my credit score and financial opportunities. The discrepancies between the bureaus further emphasize the need for immediate correction.

Desired Resolution I am formally requesting the following : Immediate removal of the inaccurate 30-day late payment notation from my credit report across all three credit bureaus.

Written confirmation of the corrections.

If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with the appropriate authorities.

Thank you for your attention to this matter. I look forward to a resolution within the timeframe specified under the FCRA. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

I upgraded to chase sapphire proffered card to the reserve card on XXXX XXXX. At the time I had XXXX rewards points in my account. I upgraded over the phone and noticed that my points balance was at XXXX. I called customer service and they said it would take 7-10 days to receive the points. After that time I called back and was told the points should have automatically transferred when I upgraded the card. The issue was escalated to a supervisor. I called back two weeks later and spoke to a supervisor who said that my points were transferred to another persons account, that after looking into it it may have been fraud by the representative who upgraded my card. I received a letter XXXX XXXX that the points would be added to my account. It is now XXXX and I have not received my points back. I called back to chase and keep getting the run around and having to explain my issue all over again.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a fraudulent collection account added to my credit report by XXXXXXXX XXXX XXXXXXXX. Recently, I contacted XXXX to dispute this collection ; however, I was only able to add a fraud alert due to the automated system. The automated voice system disconnected my call several times, preventing me from speaking with a live representative to resolve this issue. 

This collection account is fraudulent and should be removed from my credit report immediately. I filed a complaint with XXXXXXXX XXXX XXXX regarding this account, as it was opened as a result of identity theft. After reviewing the evidence I provided, XXXXXXXX XXXX XXXX agreed that my claim of fraud was valid. They confirmed in writing that they would remove the tradeline from my credit report. 

Despite this agreement, I now see that both XXXX and TransUnion have added this account as a derogatory item on my credit file. Based on this trend, I anticipate that XXXX will likely add the account as well, which will further harm my credit standing. 

I have saved the letter from XXXXXXXX XXXX XXXXXXXX as proof that they acknowledged the fraud and agreed to remove the collection account. I expect XXXX to follow through on this agreement and remove the derogatory account from my credit file immediately upon receipt of this complaint.
Product: Checking or savings account

At about XXXX on XX/XX/2017, I transferred funds ( {$100.00} ) from my Bank of America account ending with XXXX to my XXXX XXXX credit card because it is the only checking account that I maintain and it is linked with my XXXX XXXX card. 
At the time I did the transfer, the balance in my account showed that I had sufficient funds to complete the transfer, because when I did the funds transfer, it went through. 
The following morning, at about XXXX XXXX ( XX/XX/2017 ), when I checked my bank account balance, I noticed that Bank of America has charged me {$35.00} late fees. I immediately went to the bank ( see a screenshot of my account ) to replenish my account. 
As soon as I added funds to my account, I called my bank to dispute the charge and request that the fees be reversed. 
I 'm disappointed that Bank of America refused to reverse the late fees. 
Hence, the reason for my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX of XXXX  I got Mortgage forgiveness because of Covid-19. However, XXXX XXXX  services reported late payments on two of the 4 properties I have a loan on from them. Because of this mistake on their part it has effected my Credit score in a dramatic way. I am not able to get a construction loan for the house I am building and I am paying out of pocket. I received a letter from XXXX XXXX XXXX stating that they have sent the credit bureau 's a letter of deletion for those late payments, stating that they should not have been marked as late. Nothing has changed on my credit score and they are still showing up as negatively effecting my credit.
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 ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding an inaccuracy on my credit report and to request further documentation related to a charged-off account with Bridgecrest, furnisher, alleged creditor. 

During my conversation with Bridgecrest on XX/XX/year>, it was disclosed to me that the account in question has been charged off. However, my credit report does not reflect this information, indicating an inaccuracy in reporting. 

Additionally, I requested a copy of the XXXX form associated with this charged-off debt, but Bridgecrest refused to provide it or doesnt need to provide it. Instead, I was directed to review the IRS website to understand the definition and requirements for issuing a XXXX. According to the IRS, the following statement applies : " Form XXXX must be filed regardless of whether the debtor is required to report the debt as income. The debtor may be an individual, corporation, partnership, trust, estate, association, or company. Do not combine multiple cancellations of a debt to determine whether you meet the {$600.00} reporting requirement unless the separate cancellations are under a plan to evade the Form XXXX requirements. '' Given this information, I am formally requesting the CFPB 's assistance in obtaining a copy or record of the XXXX form from Bridgecrest to verify the accuracy of the account 's reporting and resolution. 

The failure to reflect maximum accuracy in credit reporting and the refusal to provide the requested documentation is a violation of FCRA. I kindly ask for your support in resolving this matter promptly. 

Thank you for your attention to this issue. I look forward to your response and a resolution to my concerns.
Product: Credit card or prepaid card

My credit trackings reported a newly opened credit card account with Bank of America under my name, which I have never applied for. The account is opened on XX/XX/XXXX, and except for the reports I got from my credit tracking alerts of my own credit card issuer ( another bank than BOA ) and XXXX, I have received no communication from BOA or anything concerning a credit card request in mail or email.
Product: Credit reporting or other personal consumer reports

In 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 ( eXb ) Account : I think XXXX XXXX XXXX XXXX Account : I think XXXX XXXX XXXX XXXX  Account : I think XXXX XXXX XXXX XXXX, Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX, has violated my rights. I looked at All three of my Credit reports on XX/XX/year> and noticed some things are Incomplete, not accurate an fraudulent. And according to the fair credit reporting act Whenever XXXX consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the habitual about whom the report relates according to 15 USC 1681 ( eXb ). 'And according to 15 USC 168115 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( a ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are supposed to 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: Credit reporting or other personal consumer reports

XX/XX/year> my husband and I authorized NFCU to pull credit for mortgage loan. Several weeks later we seen they pulled additional time on XX/XX/year> with NO consent. They will not provide any documents to support such approval so we can dispute. When we dispute they deny doing so even while credit report shows they have. 


one credit application left us 2 Hard Inquiries on our credit report