23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I think my claim falls under XXXX bullets : Report improperly shared by credit reporting agency and report provided to company without my authorization. XXXX XXXX pulled my credit report XXXX on XX/XX/XXXX and XX/XX/XXXX without my permission. When I made purchases from them I selected the ValuePay option. This option is highly promoted on the TV channel as a way to pay off the item interest free in XXXX monthly payments as long as you provide your credit card. I DID NOT select an option to apply for credit. I also DID NOT provide my social security number and DID NOT provide them with permission in any way for them to pull my credit. I was notificed there were XXXX hard inquiries on my credit report when I checked my credit report earlier this week. I have made purchases from this Company before and this has never been an issue. If I would have known they checked my credit I would have never selected the Value Pay option.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX TransUnion : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX A Date of inquiry : XX/XX/year>
Product: Mortgage

What happened : On ( XX/XX/XXXX ), I Spoke with a supervisor regarding my insurance. I explained that I was able to find a lower insurance premium that I would like to purchase. This insurance needs to be purchased directly from us. We were told that he would allow us to purchase this insurance but we needed to complete a form so they could approve it. We ask if we could go ahead and purchase this policy because it is only valid for that day. He gave us permission to purchase this policy. Now we received an email communication stating the removal of the insurance from escrow was declined. We already spoke on the phone regarding the 80 % XXXX  from initial purchase. He said he would approve it for the exception of the insurance but not the property tax. 
We agreed and he said he would send us the form and we could go ahead and purchase the insurance that day. I asked several times to make sure we were clear about the decision to purchase the insurance. There is a recording of the conversation. 
I feel I was misled, and wrongly informed to go ahead and proceed to buy the insurance. 
In XXXX, Valon was late in paying my property tax, and XXXX XXXX kept contacting us and sending us notice with late penalty fees. We had stress during this time caused by this issue. In my experience the idea behind an escrow account is to eliminate these issues from the customer. However, this was a very stressful event for my husband and myself. I still have the letters from XXXX XXXX stating that our payment has not been received. We were very upset, and nothing was done in return to make up for this stressful event that was clearly Valons fault. The only thing we received was an apology.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate and inconsistent reporting of my auto loan account with XXXX XXXX XXXX XXXX ( Account ending in XXXX ). I have repeatedly contacted both XXXX XXXX and your bureau to correct errors in the reporting of this account, but the inaccuracies persist. 


Specifically : 1. Discrepancies in Reporting Dates : The Last Reported dates differ across TransUnion, XXXX, and XXXX, showing a lack of consistent and accurate information. 

2. Inaccurate Late Payment : Despite making the final payment on XX/XX/year>, and having the account closed with a {$0.00} balance, a 30-day late payment continues to be reported erroneously. 

3. Recurring Issues : The account has been corrected in the past but continues to revert to inaccurate reporting, violating the Fair Credit Reporting Act ( FCRA ) requirement for data to be accurate and complete. 


The continued errors have caused significant harm to my credit score, affecting my financial opportunities. I am now requesting the full removal of this account from my credit report across all bureaus to resolve this issue permanently. 


Attached, you will find the following documentation to support my claim : Proof of the final payment made on XX/XX/year>. 

A copy of my credit report showing the inconsistent reporting. 




Under the FCRA, you are required to investigate and correct errors within 30 days. Given the ongoing inaccuracies and harm caused by this account, I trust you will act swiftly to remove this account from my credit report entirely. 


Please provide written confirmation once the account has been removed. I am happy to provide any additional documentation if needed. 


Thank you for your prompt attention to this matter.
Product: Student loan

The recent transfer from Fedloan to XXXX  took place in XXXX. The transfer amount from fedloan was around XXXX USD owed. The amount on XXXX  is XXXX USD. I contacted Fedloan and they were unable to view any transaction history. I have made several payments over XXXX USD throughout my 8 years in college. The website says no biling information is recorded. I am speaking to a representative of Fed Loan XXXX XXXX ) and she has no transaction history to display and can not find a way to get me that information. XXXX  doesnt have history payment and neither does fedloan. Where did my documents go and why do I no have access to them?
Product: Consumer Loan

Upon GE capital being switched to Synchrony Bank, I have had nothing but problems. I am a very patient person but since I got this loan I have dealt with absolutely terrible customer service, wrong information given to me consistently but several employees, and after about the XXXX phone call no one can transfer me to a manager. My loan has been paid off in full and the bank still owes me a refund check that I 've been waiting for, for over a month. They will not give me a date of when they can send it ( 7-10 ) business days, and when it does n't show up after that time frame they have to put a stop pay ( another 7-10 business days ) and then they can send out which could take another two weeks. I still have not received a call back as promised or anything regarding my refund check. I 've asked several people to speak to a manager but apparently there is only XXXX manager who takes calls and she is always busy and does not return phone calls. I honestly feel like they are not going to send my check back at all and I am not sure what do to anymore. I would have NEVER acquired a loan from them if I knew it was going to be anything like this. Do not do business with these people!
Product: Student loan

I cosigned a student loan for my daughter with Sallie Mae in XX/XX/2020..I requested paper billing statements to pay my monthly payment as I do not pay any bills online. Since then I have not received any loan documentation or billing statements as requested. I have contacted Sallie Mae five times via phone and my daughter contacted them by phone as well. Each time I was told billing statements would be sent out the next day. The only thing I have received from Sallie Mae is 4 threatening letters regarding my " nonpayment '' and the impact it will cause on mine and my daughter 's credit score. I also have received phonecalls from them threatening the same..AS WELL AS ... overnight XX/XX/XXXX deliveries of more threatening letters ... but still..NO BILLING STATEMENT OR LOAN DOCUMENTATION!!! Please help before they attempt to harm my daughter and my credit score ... I have been trying to pay yhis bill since day one and they wont allow me to!! 
Thank you ... .XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, I spoke with personnel from Experian, XXXX, and XXXX about the potential existence of phony accounts on my consumer file. Since I knew nothing about them or how they got there, I asked them to deactivate the accounts. I was given the go-ahead by all three companies to submit the necessary documentation and finish the FTC report XXXX I sent my letters certified mail on XX/XX/22. Even though the accounts are not mine and have been on my report for more than 30 days after I sent my letters, they were somehow " verified. '' This issue baffles me and makes me angry because it makes it impossible for my family and I to make purchases. I contacted all three businesses once more on XX/XX/22 and inquired as to how they could demonstrate that these accounts belonged to me. They simply said that they couldn't help any more and that I should speak with the creditors directly. When I made an effort to contact each creditor who had been erroneously claiming on the consumer file that they were unaware of me or the accounts, it didn't surprise me. I had no other choice but to turn to the CFPB website, as some of my friends had urged me to do given the circumstances. Since my family and I are trying to submit an application for a house, I genuinely hope that information is useful.
Product: Credit card or prepaid card

Please see attachment. It explains what happened in detail and should be considered as my complaint.
Product: Bank account or service

Hi, On XXXX XXXX, I opened a Citigold checking account with a promotion code I had received, namely XXXX. According to the promo, I was promised XXXX XXXX miles upon completion of certain criteria, which I met XX/XX/XXXX. I had contacted Citi multiple times since then. Each time, they told me that I am eligible for the promotion, that I met all the requirements, and that the miles would appear in the next statement cycle. Namely, I was told in XX/XX/XXXX that the miles would appear by XXXX XXXX, was told in XX/XX/XXXX that the miles would appear by XXXX XXXX, and told in XXXX that the miles would appear by XXXX XXXX. I have attached evidence of one such letter from Citi. 
As of the date of the complaint, the miles have still not been rewarded, despite having been promised multiple times that they will be. Given that Citigold is Citi 's highest banking tier, I should have been treated with more courtesy - namely, given what I was contractually promised, after having met the requirements for the offer.
Product: Credit card or prepaid card

On  X/XX/2017    I applied for  a Citi Double Cash cred it card and was approved. On  XX/XX/XXXX  I received a voicemail from someone claiming to be  the Citi fraud  department stating my card had been stolen and I needed to return their call ; however, when I Googled the number that called me it said it was a scam and not to call the number back. At this point I still had not received my card or been able to activate it. I finally received my card in the mail on  XX/XX/XXXX and attempted to activate it on  XX/XX/XXXX . When speaking with the  Citi represen tative she requested I give her my cell phone number so they could send me a text to confirm it was me ; however, she stated the text message would not go through and requested another number, I gave her my husbands cell phone number which also could not go through. At this point she requested I give her another credit card number (  16  digit card number ) and the balance of the card, I refused to provide this information because there are many other ways to confirm someone 's identity. The representative did not give me any other options and would not get a supervisor to assist me in opening my card. I have called at least 5 times in the pa st two days to t ry and speak to someone who will assist me in opening the card and immediately closing it. Every time I call they tell me that a supervisor will call me in  24 hours ; however, it has been over 24 hours since I called and I have not received anything. It is beyond frustrating to deal with Citi and all I want to do is close the card.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Documentation and Action Regarding Unauthorized Inquiry and Security Interest Dear Bank Of America, I am writing to address a concerning matter regarding an inquiry reported by Bank of America, which lacks permissible purpose and, as such, constitutes potential identity fraud. Per my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 604 and 605B, I am requesting immediate action to rectify this situation. 

Firstly, I require documentation proving that I provided express written consent for Bank Of America to report the inquiry in question. As there is no evidence of such consent or a court order, I must assert that this inquiry lacks legitimacy and is thus subject to removal. 

Per the FCRA Section 605B, a consumer reporting agency must block the reporting of any information resulting from alleged identity theft when identified by the consumer. Therefore, I am formally notifying Bank Of America to remove this inquiry from my file within four business days. 

Furthermore, it has come to my attention that Bank Of America neglected to inform me of my right to rescission, as outlined in the Truth in Lending Act ( TILA ), specifically Regulation Z ( 12 CFR 1026.23 ). This allows me to revoke any rights waived, particularly those related to the security interest. I am requesting the CUSIP number associated with the security interest provided to Bank Of America. Failure to provide this information will leave me with no alternative but to initiate a level XXXX audit on my account. 

I expect prompt compliance with these requests to avoid further escalation of this matter. Failure to do so will be regarded as willful noncompliance and may result in legal action. 

Please provide confirmation of receipt of this letter and a timeline for resolution of these issues.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Number : XXXX # XXXX - BALANCE {$170.00} Account Number : XXXX XXXX # XXXX Account Number : XXXX XXXX XXXX # XXXX Account Number : XXXX # XXXX Account Number : XXXX # XXXX Account Number : XXXX XXXX # XXXX - BALANCE {$630.00} Unauthorized Inquiries XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> 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/year>
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a CLOSED card with Capital One. The length of time from last payment has been more than 7 years. This CHARGED of CARD should be removed from my Credit Report. Furthermore, their customer service is not up to standard since they do out source this service. Unfortunately, since there cuts service is based on another country the representatives are unable to process the request I make or comprehend my request. It should be noted XXXX is currently suing Capital One for these same issues. Capital One has admitted wrong doing as well. Please refer to case.
Product: Student loan

I came out of XXXX XXXXXXXX  in XXXX with approximately $ XXXX in XXXX and XXXX XXXX  debt. I worked hard to consolidate my loans to make my payments management. My best option was a consolidated FFELP loan with AES XXXX which provided a manageable monthly payment. I've paid my loan regularly and am now down to approximately {$33000.00} left. I was pleased to hear about the loan forgiveness offered by President Biden. However, through research, EVEN THOUGH THE CONSOLIDATED LOANS ARE FEDERAL STUDENT LOANS, I learned that the {$10000.00} forgiveness is NOT going to apply to my loan because it's privately serviced. I did the right thing to handle my finances but am being left out of a valuable program. This needs to change.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXXXXXX {$490.00} on XX/XX/year> Item was found to be inaccurate and was removed from XXXX XXXX but XXXX and Equifax refused removal
Product: Credit reporting or other personal consumer reports

This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea why. I check my report regularly, but this time, I noticed unexpected discrepancies. I even refreshed my browser, hoping it was a glitch, but the issue remained. This is extremely frustrating, and I need this matter resolved immediately. Please review the documents I have provided thoroughly so I can put this concern behind me once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, On XX/XX/2019 I sent a certified mail dispute letter to Equifax, to dispute unverified/ inaccurate items. Equifax did not investigate properly, the items were verified via eoscar system. TransUnion deleted the same items a long time ago. I'm contacting you to let Equifax know, I am doing my part and gathering records to take legal action if they do not delete the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you
Product: Credit reporting or other personal consumer reports

CAP ONE NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX unauthorized and fraudulent
Product: Mortgage

We received an overdue tax payment notice from the XXXX XXXX XXXX with an additional late charge as a penalty. Property taxes of XXXX XXXX XXXX XXXX XXXX ( {$3300.00}, biannually, for a total of {$6700.00} ) are to be paid biannually by escrow through Shellpoint Mortgage Servicing, but this had not occurred. DC assesses additional financial penalties as well as interest charges on unpaid taxes. 


On XX/XX/XXXX, we spoke to Shellpoint customer service and escrow representatives and emailed the tax bill reflecting : ( XXXX ) Shellpoints non-payment of property taxes and ( XXXX ) the additional charges for non-payment of taxes. 


We stated we should not be charged the additional amount for non-payment as that was not our fault ; the customer service agent stated that we would not be responsible for making up a shortfall in Escrow if the shortfall was a fault on the part of the mortgage servicer, Shellpoint. 


XXXX  posted payment on XX/XX/XXXX. 


However, we just received a statement dated XX/XX/XXXX that our escrow is now negative at - {$1000.00}, and that our escrow payment will increase from {$710.00} to XXXX starting XX/XX/XXXX. 


>>> We want to confirm that our funds were not used towards the payment of late fees from property tax ; this is the responsibility of the mortgage servicer. The current statement reflects a shortfall that we are being asked to make up that was no fault of our own.

>>> We also received communication that XXXX XXXX  will be our loan servicer effective XX/XX/XXXX. This should be addressed before the loan is transferred. 


Thank you, XXXX XXXX and XXXX XXXX
Product: Debt collection

Portfolio recovery associates continually calls me on a number I have told them repeatedly not to contact me on. Each time they call its from a different number. Ive told them to send me information in the mail and that they are NOT to contact my by phone. The last time I spoke with them I told them I would be reporting them and calls ceased for about 2 weeks. I came home today to find that they had resumed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX are in violation of the following : 15 1692e Title 41. False or misleading representations ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
XXXX XXXX XXXX XXXX XXXX has continued to report late payments on the consumers credit file. Despite its notice the debt amount reflects {$0.00}. 


XXXX XXXX XXXX XXXXNCB Management Services are in violation of the following : 15 1692c Title 41. Communication in connection with debt collection Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency. 

Consumer never consented or gave directly or indirectly permission for NCB Management Services Incorporated or XXXX XXXX XXXX to communicate with the consumer in connection with this debt. 

15 1692e Title 41. False or misleading representations ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

XXXX XXXX XXXX XXXXNCB Management Services Incorporated has continued to report late payments on the consumers credit file. NCB Management Services Incorporated, despite its notice to notify the Credit Bureaus to remove the item has continued to communicate the debt with the consumer. 



XXXX is in violation of the following : 15 U.S.C. 1681I failure to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information ... .. [ continued ] please see attachment " Request for Deletion 3rd Attempt '' 15 1692k Title 41. Civil liability These violations have been reported to the CFPB and this notice has been provided to all parties. The CFPB, by law, is responsible for protecting consumers from unfair, deceptive, or abusive practices and to take action against companies that break the law. 

XXXX, XX/XX/year>. The complaint filed on XX/XX/year>, with a resolution date of XX/XX/year> is still pending ; despite XXXX update to the credit file on XX/XX/year>. Restitution for the violations have not been received or communicated to the consumer through the CFPB or XXXX.