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

15 US Code 1681b ( e ) ( 6 ) All CRAs must work together and be joined.

I am writing to bring to your attention a major issue with the public record information on my credit report. It is a fact, consumer reporting agencies on a nationwide basis must maintain a joint notification system. This consumer has reason to believe and do so believes, this subsection was enacted to maintain maximum possible accuracy amongst CRAs. This information for Public Records on my consumer report does not match the information provided by other consumer reporting agencies. XXXX removed the Public Record from my consumer report, which means Transunion and XXXX has failed to maintain reasonable procedures to keep a joint notification system, and is in violation of US Code 1681b ( e ) ( 6 ). I kindly request that this inaccurate information be promptly removed from my credit report to ensure compliance with the Fair Credit Reporting Act. I understand the importance of accurate and fair credit reporting, and I trust that your agency will take necessary steps to address this matter in a timely manner. Please have the CRAs provide me with a written confirmation once the inaccurate public record information has been rectified. I appreciate your attention to this issue and look forward to a swift resolution. Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been living overseas, and unfortunately in that time I have been a victim of identity theft. 
I had a fraudulent credit card debt owed to XXXX XXXX in the amount of {$1600.00} USD. 
XXXX XXXX has since then sold the debt to two other debt collection agencies, XXXX XXXX, and XXXX XXXX XXXX. 
I have spent many hours on the phone corresponding with these companies and was finally able to prove that the debt is fraudulent and that it does not belong to me. 
I received a letter proving that the file was closed and that the debt is not my responsibility due to fraud. 
I sent the letter to all three of the credit bureau agencies, and only one agency, XXXX has complied and removed the debt. Equifax and XXXX   keep forcing me to open disputes, which last for 45 business days and then say that the debt is mine. 
Please note, that in the attached letter there is proof that the debt was removed from my responsibility, so I don't understand why XXXX and Equifax are refusing to remove the debt from my credit score. 
This is affecting my personal credit and in turn my entire financial wellbeing. 
Please assist me to finally make sure that Equifax and XXXX remove this fraudulent debt from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent two dispute letters to investigate and remove unauthorized inquiries. I asked for proof of my signature requesting credit from the alleged creditors and its been over 60 days with no response or proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I use credit karma and also various credit card FICO score which shows that my score is XXXX I have never been late with payment for 10+ years, I have ample credit card, no negative record. No loan, credit utilization is less than 2 %. I have always been paying on time and full amount, have XXXX salary. 

When I went to get Auto loan at XXXX dealership, they pulled out my record with XXXX score which is way below what my actual score is. 

I checked all 3 agencies and there is no negative record ( except for the XXXX XXXX that I took ). I believe XXXX intentionally showed me a lower score. There is no reason for my score to be less than XXXX. I checked all agencies, credit card FICO scores they are all above XXXX. 

I have a suspicion that the score is manipulated when I seek loan by XXXX financial. Or there is some underlying issue exists that lowers the FICO score exactly when a loan is being requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Apple Card is reporting erroneous lates on my credit file. That late is from XX/XX/20. I was experiencing hardship during COVID and received a few lates throughout that time that I was experiencing hardship. This was really damaging to my credit. I had high credit limits and all those were all brought down. So not only did my credit utilization XXXX  but with the lates my credit took a huge loss. I am asking that you to please remove the reported lates during the pandemic. I was in contact with you and let you know I was experiencing hardship. Under the federal mandate, CARES ACT, you can not report lates during the pandemic. I have been a long time customer and if you review my file you will see the only time I was late was during this troubling time.
Product: Debt collection

Coast to coast has a negative remark on my credit report. I just paid off that account, via   XXXX   XXXX  . It was written off and sent to coast to coast, previously.. I am NOT paying the same bill twice. This account needs to be removed from my credit report. I can forward any proof necessary, as to show that the bill is paid off. On my credit report it shows it was opened in  XXXX  or sent to coast to coast,   XXXX   XXXX   actually informed me that this account was written off back in  XXXX  of   XXXX  . Coast to coast has it written on my credit report, that it 's been recently opened in  XXXX  of this year. That is false. I want this removed immediately, as it 's paid off. Or i will seek legal action. I am attempting to repair my credit report,  one bill at a time and this needs to disappear off my  credit report.   XXXX   XXXX   has reopened my trash removal service. I 've asked to have this negative remark, taken off my credit report, and they refuse to do so. It 's also really hard to get hold of a representative from the actual company COAST TO COAST. Any mail automatically goes to a   XXXX   XXXX    which tells me that this third party debt collection agency could be fraudulent.
Product: Credit card

I bought a plane ticket on XXXX 's website for about {$630.00} when a pop-up window appeared telling me that my ticket would cost {$130.00} if I applied for their card, the XXXX Amex XXXX XXXX The website specifically mentions this, and also indicates that the final price would be {$130.00} once the application is approved. 

After purchasing the ticket and getting the credit approved, I discovered on XXXX that this is a false advertising campaign that XXXX and Amex have been running. In fact, the customer does not receive the {$500.00} immediately, but only after XXXX to XXXX  MONTHS. This means that one is still required to pay the full amount for the ticket and can only use this credit as a bonus for other future purchases. 

This is false advertising because although it contains details in fine print that no one pays attention to ( since there is only a very short period of time to complete the purchase of an airline ticket on XXXX 's website before the fare expires ), the banner on the website CLEARLY implies that the customer would deduct this credit from the ticket price.
Product: Student loan

ONORABOUTXX/XX/XXXX,IFILEDDOCUMENTWITH(XXXXXXXXXXXX)SERVICETOSET-UPREPAYMENTOFMYSTUDENTLOANS.ISOONLEARNEDTHRU(XXXX)#XXXX.THISCOMPANYWASAFAURD,ANDBEGANTOCALLTOCANCELANYMOREPAYMENTTAKENTHRUTHEBANK.SINCEXX/XX/19IHAVENOTBEENABLETOGETARESPONDIWASADVICETOCALLTHISSERVICEANDFILEACOMPLAINT.IHOPEYOURCOMPANYCANHELPMEANDFUTURESTUDENTSTHATFALLUNDERTHISTYPEOFSITUATION,
Product: Checking or savings account

To Whom It May Concern, I XXXX XXXX sent my father {$550.00} 2 times through XXXX via mobile number XXXX From Chase to his Bank ( XXXX XXXX XXXX ). My father received confirmation XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX that my account will be credited but he never received the money. Called Chase said money went to the matching name and phone number and kept giving me a run around, transferring me from person to person as no one knew what to say or do. I have spend many many hours off work to try to handle this and still hasn't been resolved. It is a lot of money to me and I hope and pray you guys can assist in getting my money back. It has been 2 months of stress and I feel as I will be loosing that {$1100.00}. 

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

I am unable to call and speak with any of the three Credit Reporting Companies also known as Trans Union, XXXX  and XXXX. 

I want my current Consumer Statement removed from all of my Credit Report. I do not want any Consumer Statement on my Credit Report. 

I want the phone numbers to Trans Union, XXXX  and XXXX so that I and other Citizens can call them directly to speak to them when I/ We discover a problem with my/ our Credit Report.
Product: Money transfer, virtual currency, or money service

On XXXX I was alerted to someone trying to hack my account. After repeated attempts to change my password, I tried to get Coinbase to lock my account. I later learned that {$5000.00} was taken from my bank account as well, but that was recovered by the bank. I sent Coinbase several emails trying to get assistance recovering the cryptocurrency I had, with no reply. It is approximately $ XXXX {$700.00}. There is no other way to reach someone other than email. I have copies of all communications sent to them from the moment I feared I was being hacked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Card Company has reported late payment history from the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on my credit reports which is inaccurate information and lowing my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with credit karma on XX/XX/2022. They informed me that the dispute should be resolved by XX/XX/2022. However, its now XX/XX/2022, and the dispute is still processing. Its now gone over the 30 days allowed and I would like this removed from my credit report. I tried contacting credit karma but Ive gotten no answer or call back. The agency I disputed is called XXXX XXXX XXXX in XXXX, MA. Please help as I dont know what else to do.
Product: Student loan

Have called numerous times regarding a student loan refund. On XX/XX/2022 I called MyFedloan and a refund request was submitted. Called XX/XX/XXXX and was greeted with an automated messages saying my refund was processing. Called again XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to which I was greeted with the same auto response stating the refund is processing. I called again on XX/XX/XXXX and went to the regular menu. No auto response regarding my refund request, so I spoke to a representative who confirmed it was still processing. On XX/XX/XXXX I called again and was greeted with an automated messages that states MyFedloan does not service my loans and they were transferred to XXXX. I called them to get some information and was told they have no record of me being a customer and that it may take until XXXX to sort through the new accounts and at the point I would have to resubmitt my refund request. I immediately called MyFedloan back ( XX/XX/XXXX ) to confirm this and MyFedloan stated that it does not matter the loans were transferred and they can see my refund request was approved by the DoE on XX/XX/2022. They stated I should expect the refund shortly. Today is XX/XX/XXXX and I have not received anything to date so I called MyFedloan again today and was told by a representative that they can see it was approved but I will not receive anything and will need to re-request it through XXXX once they set my account up. Reading online and seeing that people requested around the same time I did and received their refund in half the time is a little concerning considering my refund request was approved since XX/XX/XXXX after having been requested on XX/XX/2022. Any information regarding this would be appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about the wrong accounts found on my credit report. These fraudulent and illegal accounts do not belong on my credit report. I have contacted the Bureau directly and tried to solve this matter with them but theyre continuous neglect can no longer be tolerated. This is a serious error, and it needs to be investigated and deleted. I will attach a photocopy of my Drivers License and Social for identification purposes only! The accounts that I need removed are as follow : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I appreciate you removing these ILLEGAL accounts . 
Sincerely, XXXX XXXX
Product: Debt collection

I could not find an option to properly describe what is happening. The company is called MBA Law. They have continually added a debt to all three credit bureaus, for around XXXX XXXX. They are marking the debt brand new, dated XXXX of XXXX. The actual debt is from a hospital and is from XXXX. I have successfully had the collection removed for this going on two times. They keep adding it back on. Not only are the dates incorrect, but every time they add it back my score drops. This is completely unfair. Im doing so well at rebuilding my credit.
Product: Payday loan, title loan, personal loan, or advance loan

Greensky financial for home improvement with XXXXXXXX XXXX. Merchant facilitated the loan .I never understood the terms qualification. Of loan
Product: Student loan

I have federal student loans and the servicer is Mohela. On XX/XX/2023, I spoke to a customer service representative on the phone and they put in an application for the SAVE plan. On my application, I indicated I would be filing taxes as married filing separately. I was told my monthly payment would be $ XXXX once processed/approved. After a few weeks, the application was processed/approved, but for $ XXXX. When I called to ask what happened, the Mohela representative told me that everything on my application was correct, but that Mohela had processed it incorrectly- on their end, they processed it as married filing jointly, and that due to this, it considered my spouses income, which caused the payment to jump to $ XXXX. They confirmed that it was Mohela who made the error, and that $ XXXX should have been the correct payment. The representative submitted the application to be re-processed on XX/XX/2023 with a note on it about the error that was made on their end. However, my next payment is due XX/XX/2023. I check daily, but there have still not been any updates on the re-processing. I got a letter on my Mohela account on XX/XX/2023, stating that there was a processing delay and it could take up to 90 days. I feel that I should not have to pay this much, when the outrageous payment amount is incorrect and it is due to an error on their end! But it is going so slow, and I am worried it will not be processed and corrected by the time the payment is due. 
Unfortunately, since both my initial SAVE plan application and the second application for re-processing were submitted by Mohela customer service representatives, I dont even have access to a PDF copy of the submitted application. The only thing that shows on my Mohela account for documents received is the document title IDR, processing, submitted XX/XX/2023, and IDR, approved, submitted XX/XX/2023. The applications arent available to be downloaded.
Product: Debt collection

The truck financed thru Toyota motors was stolen and wrecked the insurance company covered total balance remaining on truck. I do not owe them a dime.
Product: Student loan

I am a Veteran, my income is {$2000.00} a month. I have XXXX children, rent, bills etc. Sallie Mae is not allowing me to lower monthly payments or even delay payments based on my income. 

I believe Sallie Mae is systematically and illegally setting me up for failure in repayment - they are giving me the run around, putting obstacles in the way to prevent repayment and has failed to act in my complaint - in an effort to make me pay much more than what my loan really is. 

I am facing unemployment or other financial hardship, and applied for a XXXX  - XXXX   XXXX XXXX and an alternative repayment plan for modification of loan terms. No income-driven repayment plan was provided to make my student loans more affordable. I bring in {$2000.00} a month, I am a single mother of XXXX children, my rent is {$1500.00} - I am struggling right now. 

Sallie Mae , Inc. has not gone through every stage of repayment for both private and federal loans and are making my student loans more difficult and costly for me. No notices are sent to me and I have accrued interest to my principal balance, lost protections, - there is no loan forgiveness. Sallie Mae , Inc. has harmed my credit and I am a XXXX borrower - an XXXX veteran, whose XXXX is connected to my military service yet have not been given loan forgiveness under the federal XXXX and XXXX XXXX discharge program. Sallie Mae , Inc. said they would remove all adverse information about the defaulted loan from my credit report and I believe Sallie Mae , Inc. is in violation of the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collections Practices Act and I have been harmed due to Sallie Mae , Inc. 's illegal practices.
Product: Credit reporting or other personal consumer reports

I was looking at my report and noticed that there were multiple things that we're not correct. I sent a letter to TransUnion XX/XX/year> here is my tracking number # XXXX but it has been more than 35 days since the credit bureaus haven't responded. That is a violation of 15 USC1681i ( a ) ( 1 ) ( A ) Under 15 USC1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) an exempt as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller. which fall in line with why the CFPB Filed a lawsuit recently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone added me illegally to a US Bank Credit Card account as an authorized user without my consent or knowledge. Ive reached out to US Bank countless times about this situation. On XXXX XXXX in particular, a US Bank Representative by the name of XXXX told me that she knows fraud has been going on with this account because they havent been able to contact the primary account owner for quite sometime. She said I am not responsible for the debt and that the account would be deleted off my report within 30 days from XXXX XXXX. As of XXXX the account is still showing on my report. On XXXX XXXX I contacted XXXX to file a dispute over the US Bank credit account in question and to notify them of this fraud only for a day later on XX/XX/2022, for them to tell me that my dispute has been updated and the information is staying the same. Ive tried doing the right thing but Im tired of going back and forth. This US Bank account in question is not mine, I did not authorize anyone to add me as an authorized user, this debt is not mine and it needs to be deleted immediately! This is FRAUD!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian to inform them the following information is incorrect. The information is still reporting incorrectly : My name is NOT and never have been XXXX XXXX XXXX, delete from aka or otherwise. The following addresses are inaccurate and require deletion from my report XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX, my current address is XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX-please add to report. My current employer is XXXX XXXX XXXX XXXX, please add to my report. I am a XXXX veteran of DEPARTMENT OF US XXXX. Please update personal information accurately. 
Account : XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In my follow-up complaint today, I am providing an update on my recent complaint. According to FCRA Section 605b, Credit Reporting Agencies are obligated to remove any items listed on an identity theft report, specifically under reference # XXXX in my case. I have attached documents to facilitate the removal of inquiries that are inaccurately posted on my credit report. The following list comprises inquiries that do not belong to me or were opened without my permission : -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- -- -- -- -- -- XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX -- -- XXXX -- -- -- XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES are obligated to expunge any items in the file of a consumer identified as information resulting from an alleged identity theft, within 4 business days of the date of receipt.
Product: Debt collection

Vehicle was repossessed on XX/XX/2018. I called Bridgecrest ( XXXX XXXX ) to see what amount I could pay to retrieve the vehicle. I was told that I had 2 weeks to pay this amount. When i went to get the vehicle, it had already been sold. I was told it was sold at an auction but i was never notified that the vehicle was going to auction. I also never received a notice of the amount that the vehicle sold for.
Product: Credit card or prepaid card

Affirm/shop pay REFUSE to close my accounts on their end even though THEY HAVE BEEN PAID!! When I first called with this issue, I was told I had to wait until payment cleared. Well, AFFIRM PER THEIR OWN ADMISSION LETTER STATE THAT ACOCUNT HAS BEEN PAID IN FULL AND YET REFUSES TO CLOSE MY SHOP PAY ACCOUNT ON THIER END!!

Every time I call, NO ONE can speak decent english, including the supervisors and NO ONE can close my account even though I have REPEATEDLY TOLD THEM TO!! They " claim '' the system won't let them do so.

They " claim '' the case was escalated, but the last time they claimed that in one of my cases, it never was! 

I WANT MY ACCOUNTS CLOSED NOW AND PROOF THAT IT HAS BEEN DONE!
Product: Mortgage

My husband is deceased and the mortgage was in his name. I am his wife and I have been paying the mortgage regularly on time. 
In XXXX I was told that I could pay my mortgage in XXXX twice per a month. I did do that and since that time it has been a nightmare with 5/3 BANK. They returned ONE of the two halves of the payment. 
They will not accept ANY NEW PAYMENTS from me even when I want to pay off the amount that is past due in full They will not speak to me because my husband is deceased. 
They have placed 2 of my payments in UNAPPLIED CREDIT XXXX XXXX They need to move this money from UNAPPLIED CREDIT and tell me how much more I need to pay in order to even out this mortgage. 
My calculation is XXXX Please help me