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

I sent out my first dispute on XXXX on a XXXX XXXX XXXX. I sent the letter certified mail and I also sent a follow up letter on XXXX about this same account and the error was not updated or deleted. In accordance with the Fair Credit Reporting Act everything must be 100 % accurate on my credit report and under 15 U.S. code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. This account it not.. I found Inaccurate information on my credit report that your agent refuses to make sure it was reporting 100 % accurate.

Here is the letter I sent : I sent this letter to all 3 credit bureaus. I also sent this same letter again on XXXX and as of today XXXX the account has not been updated or deleted. 



XXXX XXXX XXXX XXXX XXXX  XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX XXXX # XXXX 1 ) Date of Last activity : XXXX reported date XXXX, XXXX reports date XXXX and Equifax reports date XXXX. Please Delete this inaccurate information off my credit report. 


I attached a Copy of my credit report and highlighted to errors as well. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to file a dispute for fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX. Also please remove the following fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXXXXXX, and XXXX XXXX. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.
Product: Checking or savings account

I went in branch and closed my account in XXXX. Got my ledger too! And the check for my funds. 
The account is not closed! They just gave me a fee so I'm at negative balance somehow! 
I even have all calls with them recorded about closing the account.
Product: Student loan

My Nelnet XXXX loan payment has been on auto-pay for years. I have received a XXXX  % discount for paying via auto-pay and a XXXX  % discount for on-time payments for years. 

In XX/XX/XXXX, I updated my auto-pay banking information because I changed to a new bank. I have never received any notice that my auto-payments would be disrupted in any way due to the change in my banking information. 

My student loan auto-payment was not drafted in XX/XX/XXXX. I did not receive any notification that my account was not paid or past due. In XX/XX/XXXX, I checked my account and noticed it was past due which surprised me because my account has been on auto-pay for years. I paid the past due amount and inquired what happened. At this time, I also noticed that my discounts had been disqualified. 

The XXXX % discount for auto-pay was reinstated but my XXXX  % discount was not due to the missed XX/XX/XXXX payment. The payment was missed because Nelnet did not draft the payment via my auto-pay, not because I neglected to pay my balance. I called Nelnet customer service on XX/XX/XXXX to issue a complaint to get the XXXX  % reinstated given that my account is on auto-pay. I was told during this call that my issue would be escalated to management and a manager would call me back. On XX/XX/XXXX, I called Nelnet customer service to follow up on the matter given that I had not received a call from management. During the XX/XX/XXXX call, the representative said that the customer service representative that I spoke to on XX/XX/XXXX gave me the wrong information. The new representative said that an incentive request form would need to be filed on my behalf and that I would receive a decision in XXXX business days. I called in XX/XX/XXXX and was told by a representative that an incentive form could not be found related to my matter. I was on the phone for over an hour with no resolve. It's been several weeks and I haven't been provided any decision nor do I have any confirmation that an incentive form has been filed to remedy the issue. I am put on hold for hours when I call Nelnet with no resolution. I believe they are giving me the run around so they can deny my incentive to force me to pay them more in interest and fees for profit.
Product: Credit reporting or other personal consumer reports

EXPERIAN has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and I, a great deal of injury.
Product: Mortgage

I applied for help with my past due mortgage, with XXXX XXXX XXXX XXXX, they were able to approve me for assistance, & they wired-ACH transfer to Select Portfolio Servicing ( XXXX XXXX XXXX ) {$13000.00}, on XX/XX/2022, Select Portfolio has not applied the money to my mortgage account as of XX/XX/2022. I have reached out to my servicer to see why they have not applied the $ XXXX to my mortgage account & i am told it is pending. The XXXX XXXX has cleared per XXXX XXXX XXXX XXXX. Select Portfolio Servicing ombudsman department refuses to take my call, nor do they call me back regarding this matter. I was refused to talk to upper management by XXXX on ext XXXX on XX/XX/2022. There is no reason the XXXX XXXX should not be applied to my past due mortgage, & again the servicer will not communicate to me when the funds will be applied.
Product: Student loan

I submitted a XXXX  application over 100 days ago and still have not heard ANYTHING back!
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into inaccurate information appearing on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681 ( e ) ( b ). This section requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information included in a consumers report. It has come to my attention that my report contains inaccurate information that does not accurately reflect my financial status.

The information I am disputing includes the following : Past due balance of {$20000.00} This inaccurate information has negatively impacted my credit score and could potentially affect my ability to secure credit in the future. I kindly request that you take immediate steps to investigate this issue and correct the inaccuracies to ensure that my report complies with the standards outlined in 15 USC 1681 ( e ) ( b ).
Product: Credit card

XX/XX/XXXX Received fraud alert from Truist credit card company for {$98.00} purchase at XXXX was placed on the credit card. 
XX/XX/XXXX Truist double charged my account {$98.00} as a XXXX XXXX XXXXXXXX. This transaction increased the account balance due.. 
XX/XX/XXXX Truist issued a credit for {$98.00} to the credit card account. 
XX/XX/XXXX I reviewed the credit card online and saw the above transactions. I called Truist to correct the double charge of {$98.00}. spoke with XXXX, a supervisor, and she could not explain why there were XXXX charges of {$98.00} on the screen print of the account. 
XX/XX/XXXX I paid the account balance and closed the credit card account. I then asked for a copy of the account. 
XX/XX/XXXX I received a copy of the account XXXX to XX/XX/XXXX. I called Truist and asked for a copy of the period to include XXXX/XXXX/XXXX, the close date of the card. I was told this was not possible, I wwould have to wait for the close of the month cycle at XX/XX/XXXX. 
XX/XX/XXXX As of this date I have never received a copy of the account. I called Truist to ask when it was mailed. I received no response. Aftr being placed on hold multiple times a person from XXXX from XXXX XXXX XXXX says she can email me a copy. After 5 minutes she comes back to state the email service was not in service. She stated she could call me when it was repaired and email me. I then asked for a copy to be mailed, and she placed me on hold again. She comes back and said it would take 20 days before I would get a statement copy. 
I have made other calls than the ones above, each time placed on multiple holds and invalid information. 
I just want a copy of the credit card statement for the period XX/XX/XXXX to the ned of the next monthly cycle.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$290.00} XXXX XXXXXXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX  XXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$40000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$49000.00}
Product: Credit reporting or other personal consumer reports

Subject : Urgent Complaint Regarding Unauthorized Reporting of Transaction History and Late Payments Accounts reviewed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX, XXXX, and Transunion for their egregious violation of consumer privacy rights and disregard for consumer protection laws, including the provisions outlined in the Privacy Act of 1974 and relevant consumer protection statutes. 

On numerous occasions, XXXX, XXXX, and Transunion have reported my transaction history and late payments without my explicit consent. This unauthorized reporting of personal, non-public information violates both federal consumer protection laws and my fundamental right to privacy. 

The unauthorized reporting of my transaction history and late payments has resulted in significant harm to myself and my family. Specifically, this erroneous information has led to denials of lines of credit for essential needs such as housing and transportation. Despite my diligent efforts to maintain financial responsibility, the inaccurate reporting by XXXX, XXXX, and TransUnion has caused undue pain and suffering, as well as financial harm. 

Under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ), credit reporting agencies are obligated to ensure the accuracy and integrity of consumer credit information while upholding consumer privacy rights. However, XXXX, XXXX, and Transunion have blatantly violated these laws by reporting inaccurate and unauthorized information about my financial history. 

Furthermore, the Privacy Act of 1974 expressly prohibits the disclosure of personal information without proper authorization. By reporting my transaction history and late payments without my consent, XXXX, XXXX, and Transunion have violated the provisions of this federal statute.
Product: Credit reporting or other personal consumer reports

I was XXXX XXXX XXXX XXXX XXXXXX/XX/year> Several.items on my credit report are not mine and should be removed because I did not do them and was XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove these from my credit report pursuant to title 5 and title 15 of the privacy act and credit report act I was not giving anyone permissible purpose to send my personal information to 3rd party reporting agencies nor have I signed any contract stating I agree to have my personal information reported by 3rd party reporters or credit bureau
Product: Credit reporting or other personal consumer reports

This is a complaint to XXXX XXXX , XXXX for violating multiple laws in regards to the following account # XXXX. I had filed a cfpb complaint against this company to which they had responded that I had sign the contract. However, in XXXX XXXX , XXXX terms and conditions they agreed not to share my information with non affiliates to which they stated the the credit bureaus is an affiliate. Experian, XXXX, and XXXX is not an affiliate of XXXX XXXX , XXXX because they are NOT " credit bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. If they believe otherwise, I demand that they send me proof that those consumer reporting agencies are indeed bureaus and it must be written in federal law. Additionally, I demand to be sent the book entries security of this account to validate this information. If they can not provide this, then they must remove this account from all consumer reporting agencies such as experian, XXXX, and XXXX, and any and all other 3rd party agencies. Further more, this company is violating the fair credit reporting act, to be more specific, 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX, XXXX ) making the report. Pursuant to 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX, XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( Experian, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. There are two inaccuracies with this account. The first is both XXXX and Experian are reporting two completely different information which is already grounds for removal. The second inaccuracy is that this account is marked as a charge off / cancelled debt and that can not be reported due to the fact that the IRS considers charge off as income. So in addition to validating this debt by sending me the book entries security, I am now requesting a copy of my 1099c that was filed when this debt was canceled/ charged off on XX/XX/2021 as I never received it. Lastly pursuant to the fair credit reporting act, to be more specific 15 USC 1681b, This also serves as my consumer instruction to remove this account from my consumer reporting a.k.a credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

letters were sent on XX/XX/2018 to the company that they were reporting an incorrect account, incorrect account number, a missing field of 81- month payment history, an inaccurate date of last activity, an inaccurate date of high credit, an inaccurate date of credit limit, an inaccurate actual payment amount, an inaccurate date of last activity, an inaccurate activity description, an inaccurate date of last update an inaccurate description of month reviewed. I get computer generated responses
Product: Debt collection

Account Number : XXXX I am writing to formally dispute the debt reported by Online Information Services, which appears on my credit report dated XX/XX/year>. I have no knowledge of this debt and have never conducted business with this company. 

Details of the dispute : Debt reported by : Online Information Services Date the debt appeared : XX/XX/year> Amount : {$140.00} Account number : XXXX ( XXXX ) I have never received any communication from Online Information Services via mail, email, or phone. Upon noticing the debt on my credit report, I attempted to contact the company using the phone number listed on the report ( XXXX ) XXXX on XX/XX/year>. Unfortunately, the number gave a busy signal and appeared to be non-operational. I made an additional attempt to reach the company on XX/XX/year> at XXXXXXXX XXXX, only to receive the same busy signal. 

Given that I have never engaged with this company, nor have I been able to make contact to resolve this matter, I believe this debt is either incorrect or fraudulent. I request that you investigate this issue and remove the debt from my credit report if it can not be properly verified. 

Please let me know the results of your investigation as soon as possible. I appreciate your prompt attention to this matter.
Product: Credit card

I received XXXX calls in XXXX day from citi bank XXXX not the original bank when I applied for the card in 2006 XXXX representing my best buy XXXX in attempt to collect a past due balance I was unaware of and thought I had paid. A {$20.00} late fee was applied to the account, but being that I have been consistent with my payments and was an honest mistake requested that they remove the late charge towards the minimum balance.They refused saying they will only credit the amount which does not help me. In the past companies are forgiving and will lower your minimum contingent that this is not a habitual occurrence and you promise to pay or set up an automatic electronic payment for the balance which I stated to them I was more than willing to make. I requested that they honor this business practices which I was familiar with especially since I NEVER agreed to those terms citi has changed how the handled late fees. I believe one 's money should not be help hostage, just like a thief is not allowed to keep what he stole under the condition that it technically belongs to you and its there for you. Through many years of loyalty they have also refused to lower my exceedingly high interest rate despite multiple request and multiple current payments and use.
Product: Debt collection

Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} Reason : Identity theft Please remove it from my Credit Report. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} Reason : Identity theft Please remove it from my Credit Report. 


Account Name : NAVY FCU Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$570.00} Reason : Identity theft Please remove it from my Credit Report.
Product: Credit card or prepaid card

I paid my full balance in XXXX and closed my account. It is still showing as {$8.00} over limit and open on all credit reports. They have not reported any information since XXXX.
Product: Debt collection

On XX/XX/23, I received a notification from my credit monitoring service stating that this company added an account to my credit report. I never received a dunning letter from them about the alleged debt to allow me to request any validation but they just added it to my reports.

Im demanding that they delete this alleged debt from my credit reports!
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH TRANSUNION, XXXX, AND XXXX REGARDING THIS INCORRECT INFORMATION ( XXXX XXXX BANKRUPTCY, AND XXXX  XXXX ), ( DEPT OF EDUCATION ) ON MY CREDIT REPORT. I HAVE CONTACTED THE COURT THAT THEY CLAIM HAS VERIFIED THE INFORMATION AND THE COURT STATES THEY DO NOT REPORT ANY INFORMATION TO THE CREDIT BUREAUS. THEREFORE THIS INFORMATION IS BEING REPORTED ON MY REPORT WITH OUT MY CONSENT, THEREFORE THIS IS FRAUDULENT AND NEEDS TO BE REMOVED. PLEASE SEND A REVISED CREDIT REPORT WITH THESE ITEMS BEING DELTED AND MY CREDIT REPORT UPDATED. OR I WILL TAKE THESE MATTERS TO COURT
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and I hereby submit a CFPB Complaint in response to your recent investigation. Your findings are unacceptable and demand absolute accuracy. It is evident that not enough was done to effectively reach out to the creditors reporting inaccurate information on my report. I demand immediate and comprehensive information on these items in question. Your failure to address this matter with utmost urgency will not be tolerated. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} - It has come to my attention that this charge off account with a XXXX balance is still being reported on my credit file. As this account have already been paid in full, I demand that you investigate and remove the charge off status to prevent further harm to my credit score. 

XXXX XXXX XXXX XXXX  Balance : {$0.00} - I need to dispute charge off this account that is still being reported on my credit file with a XXXX balance. This account have been paid off in full, and I request that you investigate and remove the charge off status as it is negatively impacting my credit score. I also request a detailed report of the steps taken to correct the inaccuracies on my credit report.
Product: Credit card or prepaid card

I filed for unemployment on XXXX. I received the Way2Go card in the mail and activated it towards the end of XX/XX/XXXX. I began using the card in XXXX paying bills, rent, online purchases, ect. The card was new and I already knew my benefit amount so I didn't bother to go online and sign into my XXXX online account. About 4 weeks later I went to ATM to get a little cash and Im noticed the total amount on the receipt was much less than what it should have been. When I got home that evening I accessed the website for the first time to check and determine why the balance was much lower than what it should have been. This is when I saw all the fraudulent XXXX and XXXX charges. So I contacted both merchants and neither one of them offered much help. They just recommended disputing with the bank. So I went through and totaled all the fraudulent charges from these two companies. I then called the Way2Go company to file a fraud claim.When I finally got ahold of a live person after being on hold what seemed liked hours. He started filing my claim, but said there were to many charges and that his computer had crashed. However, he was going to activate my claim and send me a fraud form to fill out and list all the charges. I received all the forms on XX/XX/XXXX, and had faxed back to them on XX/XX/XXXX. I called to follow up a week or so later and was told my claim was denied. When I asked why it was denied I was told that the person I was speaking with that she didn't know the reason only that it was denied. I then had her escalate the claim again and IU went and got police report and faxed that over to them. I called a week later and once agian was told it was denied.. When I asked why I was told because I made other online purchases to other vendors that were similar?? It made no sense to me because almost all of the XXXX charges were made on the same day XX/XX/XXXX, and 5 of the larger charges over {$100.00} were flagged by either way @ go or the merchant because they still show as pending from that day on my statement almost 3 months later. The charges for less than a {$100.00} on that day all seemed to go through. This tells me that these were probably already flagged as fraud. However, the fraud department can not see that on their end. They are only going by the statement and can't see the pending charges on their own website? After this they just kept transfering me around and my calls to them kept dropping and getting disconnected. The last conversation I had with their fraud dept.they still could never give me a valid reason for denial and I was told case was closed and I was basically out of luck..