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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XXXX XX/XX/XXXXXXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against US Department of Education for Reporting Inaccurate Late Payments on Student Loans To Whom It May Concern, This complaint is filed in regard to the unlawful and inaccurate reporting practices by the US Department of Education ( US DEPT ED ) on my consumer credit report, specifically involving my student loan accounts. Despite my initial dispute filed on XX/XX/XXXX, the inaccuracies remain unresolved, causing continued harm and distress. 
The following violations have occurred in relation to this reporting : 1. Inaccurate Reporting of Late Payments : The student loan accounts were incorrectly reported with late payments during a period when the accounts were in deferment status, as documented and verified by the US Department of Education ( documentation available upon request ). The accounts should reflect a current status with no late payments. Specifically, the following dates have been inaccurately reported as late payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX. Violation of Privacy and Unauthorized Reporting Under 15 USC 1681b, I retain the right to privacy regarding my personal financial information. Reporting these accounts with incorrect late payments without my consent constitutes a violation of my rights.

3. Failure to Maintain Accurate Reporting Under 15 USC 1681e ( b ), credit reporting agencies are required to maintain accurate and complete consumer files. By continuing to report these inaccuracies after my first dispute, the credit bureaus have failed in their obligations. 
Summary of Errors and Discrepancies : The errors include late payments being reported for months when the accounts were in deferment. Specifically, there are instances of 90- and 120-day late payments listed on my credit reports for TransUnion and XXXX , despite the loans being in deferment as verified by the US Department of Education . These discrepancies have severely impacted my credit score and financial reputation.

Requested Action : Given the severity of these violations and the documented deferment status of my loans, I am formally requesting the immediate correction of these accounts from my consumer reports within 10 calendar days from the receipt of this complaint. The requested corrections include removing all late payments and ensuring the accounts reflect a current status with no delinquencies. Failure to resolve this matter will result in further escalation. 
These inaccuracies have caused significant emotional distress and damage to my creditworthiness. I demand immediate corrective action to prevent further harm. I am prepared to provide additional documentation if needed. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i already sent correspondence to transunion they are not responding i am a victim of identiy theft and there are unauthorized, unidentified inquiries on my credit report block and remove the following fradulent inquiries Transunion XXXX XXXX XX/XX/2022
Product: Student loan

Mohela the Loan Servicer -- inaccurate records and harassment 1 ) Requested reconciliation after credit report that balance had gone up during forbearance period -- - nothing provided -- 2 ) Made payment on due date -- - there is no grace person to allow for their processing and they go beyond the 2-3 day they say and then harness me for late payment 30 They ignore the payment I made on the due date and send emails for that amount and the next payment being due even when it is not due to the beginning of the next month. 
When I final got to someone, they said I was current on payments but email still were sent. 

I'm XXXX and a XXXXXXXX XXXX  who took out a loan for my daughter 's education. I have paid over half the loan and never missed a payment. Mohela does not answer calls promptly and is not responsive to complaints.. Cause me and my family lots of stress. 

Not right -- - its not right!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit companies, TransUnion, XXXX, and XXXX continue to report this account as accurate even though i have court records showing a different amount owed too another company. I believe no investigation was ever done. It is harming my ability to apply for a home for me and my children. 
the amount shown by PROFESSIONAL DEBT, saying i owed them a total of {$3500.00} dollars as a high balance, they are saying i paid 28 % which i never paid this company, and that i now owe {$2500.00}. None of these amounts are shown in my court documents! so, they are reporting false information. That is a violation. I have disputed this account multiple times.
Product: Credit reporting or other personal consumer reports

On XX/XX/23, I pulled my XXXX XXXX report and noticed two hard inquiries on my credit. One from XXXX XXXX XXXX and another from XXXX XXXX. I called XXXX XXXX to inquire, first checking by name them date of birth. They then asked for my SSN which I was not comfortable providing to an insitutiom I do not have a relationship with.

I do not have any credit cards, nor have I applied for one in many years. I am concerned that my SSN and credit are currently at risk and am seeking assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

ECMC was previously servicing my student loans from XXXX. The original loan date was XX/XX/XXXX, original amount was {$11000.00} and {$11000.00}. I have requested several times to ECMC and all 3 credit reporting Bureaus to correct inaccurate information on my credit report. The loans are no longer serviced by ECMC, every month from XX/XX/XXXX thru Present Interest is being added to the loans in violation of the CARE ACT for 0 % interest until XX/XX/XXXX. ECMC is showing 29 late payments on my credit report that is negatively affecting my credit rating. The Open date is incorrect on all 3 of my credit reports it should state these loans were opened in XX/XX/XXXX. I have requested the validation of these loans and the breakdown of the current amounts of {$33000.00} and & {$24000.00}. The loans were transferred to another servicing company which is also reporting on my credit report and it show that I owe Double the amount because the loans are showing owed to 2 different loan servicing companies.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXX XXXX XXXX  - XX/XX/XXXX - {$60.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$580.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

After years of repeatedly disputing the negative report with Midland Credit Management- I decided to call XXXX XXXX. On XX/XX/2023 I spoke with XXXX to explain the situation. XXXX then transferred me to XXXX of the escalation queue. XXXX was not able to assist- I was then transferred to the Senior Manager XXXX XXXX within the XXXX hours I was told that. The card I initially closed due to a fraudulent charge appeared from a gas station in NY. I have never been to NY. I was given a credit on the account and I closed it because I realized I didn't use that card. XXXX XXXX never sent any communications, statements, or collection attempts nor did they call. In the 8 months they claim the card was reopened accidentally. It wasn't until I received a statement saying I owed {$40.00} for an annual fee that I was made aware the account had not been closed as I requested that XXXX. I could not contact the company via phone, the phone matrix would loop never giving me a chance to speak with a live person. I then called the new account line. Where I spoke with a representative that credited the {$40.00} and close the account. The statement I received had no transactions just a {$40.00} annual fee charge. in XXXX I began receiving notices from Midland Credit Managment 2 months later stating I owed {$420.00} dollars. the amount continued to change each time I disputed the debt. Midland Credit Managemet began to produce fradulent evidence of the debt each time I disputed because I noticed the account number was different from the account number on the statement I was sent. When I advised XXXX XXXX never reported the debt on my credit report- Midland Credit Managment went and retro reported negative credit activity. In speaking with XXXX XXXX XXXX advised that the credit card had been reopened by mistake and someone had made about {$400.00} in purchases. I asked what are the purchases we could use that to prove I didn't not make the purchases in addition to requested documentation of the attempts/calls XXXX XXXX made to me to collect the debt. XXXX transferred me to XXXX a Senior Manager who told me they didn't have any records of my account or those transactions. So then the inconsistent statements provided by Midland Credit Management are indeed fraudulent. I have the last statement sent to me from XXXX XXXX that states I did not have any transactions.
Product: Credit card

Continuation of claim # XXXX, listed as closed. 

American Express refuses to return funds stolen from my bank account, presumably by American Express employees.

American Express continues to disregard concerns, and refuses to address missing funds. 

A

merican Express representatives refuse to speak with me regarding the theft and fraud perpetrated upon my account by American Express employees.

American Express refuses to to participate in the recovery of my funds beyond admitting they stole them and applied to another members account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list below has Below has violated my Federal Protected consumer rights To privacy and confidentiality under 15 USC 1681 rights. 

XXXX : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX finance XX/XX/XXXX, 15.U.S.C 1681 section states i have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : states. Its also states consumer reporting agencies can not furnish account without my written instructions. 15 U.S.C 1681c [ a } [ 5 } Second states no consumer report agency may make any consumer reporting containing any of the following items of information any other adverse items of important. Any other items of information. Other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s -2 [ A ] { 1 } A person Shall not furnish Any information relating to A consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate
Product: Credit reporting or other personal consumer reports

Furnishing and Reporting Inaccurate Information ACCOUNT # 1 : MONEYLION INCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Delinquency First Reported : XX/XX/XXXX- Not accurate, based on payment history provided by XXXX, I made a payment as of XX/XX/XXXX. ( Paid on Time ) XXXX ) Date of Last Payment REPORTED as of XXXX XXXX XXXX Furnishing and Reporting Inaccurate Information. XXXX is showing that Moneylion reported a " Charge Off '' in XX/XX/XXXXXXXX XXXX  Again, not accurate! 

RESOLUTION : Delete Account and Negative Remarks from my credit report immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Furnishing and Reporting Inaccurate Information XXXX ) Reporting to XXXX that the account first opened XXXX XXXX XXXXXX/XX/XXXX and that the date of first delinquency was XX/XX/XXXXXXXX XXXX These dates do not make sense or add up. 


RESOLUTION : Remove account and negative remarks from my account immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) FAILED to provide documentation of verification and of the following requested information : Deferred Payment Start Date Date Closed Date of Last Payment Scheduled Payment Amount Actual Payment Amount Charge Off Amount RESOLUTION : Remove account and negative remarks from my account immediately.
Product: Credit card or prepaid card

I moved to the USA in XX/XX/XXXX, and subsequently opened a Bank of America credit card account in XX/XX/XXXX in order to start building credit in the USA. In XX/XX/XXXXI made my last use of the credit account but decided to keep it open to help build up my credit. Since XX/XX/XXXX I have not used this line of credit. As I was no longer using this, it took me some time to see that an annual account fee had been applied to my account XX/XX/XXXX. I first noticed it in XX/XX/XXXX ( XX/XX/XXXX or XX/XX/XXXX ) and immediately paid it off. This fee was n't clearly communicated to me at the time of sign up and so this came as a surprise. I was never alerted that there were any late fees. I have attempted to talk with representatives from Bank of America saying that the several {$1.00} fees are misleadingly showing I was delinquent on my credit card. They acknowledge that the annual fee may not have been clearly communicated to me but are being completely unreasonable in removing them due to their miscommunication. These {$1.00} fees are extremely negative on my credit report and are indicative of their poor process rather than my ability to make good on credit. I have zero late payments on any of my credit lines and always pay down my balance in full. I would like these to be removed from my credit history as it is misleading to future creditors.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect address : XXXX XXXX XXXX XXXX, XXXX XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to buy a house and had my credit report pulled. I noticed several items on my credit that absolutely should not be there because they don't belong to me. I've never even heard of these companies before. Please delete these items as soon as possible. as they are causing me hardship, I've also taken the liberty to repoty this to the police where I live and the FTC. The items on my credit are XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax claims they will tell me if I 'm affected provided I register and provide my last 6 of social security and name. Then they go on to not tell me whether I was affected by their data breach and say I need to check back in a week and they will not send me a reminder and it 's up to me to remember to come back to find out the answer I gave them my confidential information to find out. They wo n't even say they 'll tell me whether I 'm affected on that date either now and are saying I just need to enroll in their XXXX XXXX XXXX  program then whether I 'm affected or not.
Product: Credit reporting or other personal consumer reports

The vehicle was purchased by and awarded to my ex-husband in the final judgment of our divorce. He decided that he didn't want to keep the vehicle and arranged for XXXX XXXX to repossess the vehicle. I was contacted by XXXX XXXX and informed them of the above information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the Equifax data breach and may have got into the hands of the wrong person. 

XXXX XXXX, XXXX  XXXX  Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX  XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX ( XXXX ) XXXX Reported : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian due to their failure to investigate and resolve inaccuracies on my credit report. In addition, I disputed incorrect personal information listed in my credit file. To aid in verifying my identity, I included a copy of my photo ID, social security card, and a recent bill with my current address. 
On XX/XX/year>, I mailed a dispute letter to Experian via USPS Certified Mail, tracking number XXXX. According to the USPS tracking information, Experian received my dispute letter on XX/XX/year>. Despite the clear evidence of delivery and the specific nature of my dispute, Experian has failed to provide any updates or resolution and more than 30 days have elapsed. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Experian 's failure to do so is a direct violation of my consumer rights. 
I have attached a copy of my dispute letter to Experian and the USPS certified mail receipt as evidence.
Product: Student loan

XXXX XXXX steered me into forbearance after I graduated and in a year added {$50000.00} to my debt total. I was not given any other options like income based repayment. I was working at a XXXX XXXX at the time making {$XXXX} an hour and they said my only option was a {$150.00} forbearance that would buy me 3 months with no payments. I had no other option as my monthly bills were over {$700.00} for the student loans and I could not afford that. I joined the military to help pay down my student loan debt but have n't made progress because of the insane amount of debt that accumulated thanks to the forbearance strategy XXXX XXXX steered me into. I have since been given a check because they fraudulently did not award me a lower interest rate as a result of my military service and I have found they tried to capitalize my interest early while I was in XXXX XXXX. I have absolutely no faith in XXXX XXXX or Navient as they are called now.
Product: Debt collection

I called Santander on XXXX/XXXX/2016 auto loan company and ask them to come and pick up my car, I no longer can afford the payments, I gave them my address of where the car is, which is my home address for over XXXX years and to please call before they come to the house so I can open my gates. But instead they sent an text blast to my past employer including all my friends and family. People called me because they thought I was in trouble with the law This was very embarrasing because this is my personal business information and this is predatory collection practices. SEE STATEMENT BELOW : " Hello, I am trying to reach XXXX XXXX. Please contact me today regarding file # XXXX. Thank you, Investigator XXXX XXXX ( XXXX ) XXXX. ''
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX WY XXXX, CA XXXX XXXX XXXXXXXX Balance : {$29000.00} XXXXXXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX Balance : {$29000.00} 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