23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have been disputing information on my Equifax credit report for the last nine months. I was a victim of credit fraud with several creditors. I was successfully in contacting some of the creditors and submitting the same documents that I submitted to Equifax and they submitted a request for them to be removed. Equifax is sending me letters saying that they found them to be all factual and accurate. I have been out of the country deployed for nine months when all of this happen and they still refuse to remove these inquires even though I submitted copies of deployment orders, I do not reside in the state where it occurred, I submitted all requested documents that they asked for, and place a fraud alert on my credit report. The keep sending me letters to my home saying that they find everything to be factual while I m still deployed. I have upload a copy of my deployment orders. This is the only document that I have to upload at the moment are my deployment ordres since I am still deployed.
Product: Mortgage

I have a Mortgage with Mr Cooper. I have been paying my Mortgage on time. I have been receiving calls and mail for people wanting to purchase my home because it's under Foreclosure. I have also received mail from lawyers wanting to help with Bankruptcy. I wrote an email to Mr. Cooper and asked them to set the record straight. They have not responded to my request.
Product: Credit reporting or other personal consumer reports

I am trying to rent a home for myself and my XXXX children I have sent numerous dispute laters and made numerous calls to the credit bureaus to have them remove negatively affective account on my credit that has not be validated. The negative reporting is hindering me from providing a stable home for myself and my children. Also according to law 15 U.S.C. 1681 et seq., requires consumer reporting agencies ( CRAs ) and entities that furnish information to CRAs ( furnishers ) often, but not always, creditorsto follow various requirements when they compile and disseminate personal information about individuals. One of those requirements is that furnishers must reasonably investigate consumers disputes regarding the completeness or accuracy of the information furnished.
Product: Vehicle loan or lease

I have leased a Nissan XXXX vehicle acct # XXXX with Nissan and automatic payments being withdrawn from my account for 3 years. I have been down with covid only to awake and find my credit score took a hit from Nissan because my lease was apparently up in XXXX. and they stopped withdrawing payments from my bank account on there own without any phone calls to me or receiving and documents informing me as to lease ending. I did not stop paying them, they stopped withdrawing 's of auto payments on there own, and as in many leases with Nissan in the past 15 years with other leases they continued taking payments and extending lease for few months never with any issue. i want my credit standing to be resolved as it was there issue stopping in pulling payments and not mine, when i asked why there was never any phone calls they responded with they don't have time.
Product: Checking or savings account

I opened a new bank account with Current Bank and everything seemed to be good and dandy. I linked one of my other bank accounts with XXXX XXXX XXXX XXXX to the newly opened Current Bank account and transferred a sum of XXXX XXXX No issues with this transfer, everything seemed okay. I wanted to transfer a full XXXX $ on the first transfer but my bank has a XXXX $ per day limit so I waited until the next day and transferred another XXXX XXXX I immediately was notified within the Current Bank application that my account was under security review and that I could not make any transactions. Head scratcher, confused, went to my emails and saw an email with the request from Current Bank for me to submit my private confidential metadata with them by submitting a face scan with my identification in the photo as well. As well as a bill from the last 60 days verifying the address. I begrudgingly agreed and sent them this information. Four days later I get another amazing update from Current Bank that they have suspended my account and that I will no longer be able to utilize their bank for banking needs and that all decisions are final. They left out one gigantic, extremely important, essentially the only thing that matters piece of information though. They never told me where they were sending my XXXX $ and it seems as if theyre trying to steal my money. There is no way to get ahold of anyone at Current Bank via telephone. They simply have no customer service it is a disaster. But if you do manage to get a response via email, which I did, from a gentleman named XXXX from Current Bank, the message almost seems robotic and completely outrageous. I informed them that I am extremely worried about my funds that they have in their possession and that it would seem wise to return my funds to the place that they came from ( XXXX XXXX XXXX XXXX ). XXXX told me no, they will not be sending my money back to the originating source. They in fact did not give me any more information than that and I am so confused and feel like I just got robbed. I cant get ahold of anyone at Current Bank and they dont seem interested to do a XXXX thing about my money. I contacted XXXX XXXX XXXX XXXX to inform them of what had happened and they are at a loss for words as well. They are completely befuddled and confused as to current banks strange actions and lack of transparency when it comes to where my money exactly is. I believe they legally are required to send this money back to the originating source if they are the ones who closed my account for no XXXX reason at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I was checking my credit report on XXXX XXXX and noticed that Equifax has lowered my credit score by 97 points, lowering my credit from good to fair. There was no reason given why my score was lowered and there was nothing new or added recently. Equifax has done this in the past as well and raised my score when are questioned. 

Equifax has 3 closed accounts on my credit report that are all over 10 years old including 2 XXXX XXXX credit cards and a XXXXXXXX XXXX credit card. Under the Fair Credit Reporting Act, these accounts should have been removed after 10 years. XXXX  has none of these accounts listed on my credit report and XXXX has 1 XXXXXXXX XXXX account listed. These accounts should not be listed on my Equifax credit report and is not only, negatively affecting my credit score, but is against the law as well. 

I have tried to dispute this information with Equifax, however it does not appear in their items to dispute. Again, that is also against the law. A consumer has the right to dispute items on their credit report. I also have a letter from XXXXXXXX XXXX, which states they have not been reporting this account to any credit reporting agencies, so who is reporting this informTion, because it is false.
Product: Student loan

On Saturday XX/XX/year> I was informed that my Student Loans, handled by Mohela, were placed into a forbearance. Part of this E-mail notified me that interest would not accrue during the duration of the forbearance. 

On Tuesday XX/XX/year> I received another E-mail from Mohela notifying me that interest accrues during forbearance, even though it is not supposed to be accruing at this time.
Product: Student loan

On XXXX/XXXX/XXXX I had a mortgage broker pull my credit to determine how much home I could afford. While reviewing my credit history it revealed that my student loans with XXXX had not been consolidated and there were in forbearance instead of showing that I 'm in a XXXX based repayment. I have been on the XXXX for the past XXXX.
Product: Mortgage

I refinanced my home mortgage with JG Wentworth Home lending and closed at the end of XX/XX/2019. First payment was due XX/XX/XXXX. An electronic payment was sent from XXXX XXXX XXXX to JGW on XX/XX/XXXX. On or about XX/XX/XXXX, I check my online account with JGW and noticed that the XXXX payment was still not posted and I called. I was informed that my mortgage had already been sold to XXXX XXXX  and a new account number assigned. After SEVERAL minutes on hold, the agent ( XXXX ) advised that my XXXX payment was posted to the new account number assigned to XXXX and not the account assigned by JGW. I was told that the posting would be corrected. On or about XX/XX/XXXX, I checked my online account at JGW and the XXXX payment was still not posted. Again, I called JGW. Again, I was told that the XXXX payment was posted to the wrong account and that this would be corrected. On XX/XX/XXXX, I received an alert that I now have a delinquent account with JGW.
Product: Debt collection

I was served a civil action complaint by XXXX, XXXX XXXX XXXX who represent Crown Asset Management , LLC on XX/XX/XXXX. I answered the complaint and filed with the court on XX/XX/XXXX. I denied the statement that the last payment made on this account was on or around XX/XX/XXXX. The last payment made on this account was XX/XX/XXXX in the amount of {$270.00}. I answered the complaint with being past the statute of limitations defense. They denied my answer and came back with a reply and state the last payment was made on XX/XX/XXXX in the amount of {$100.00}. This is a false statement as I never made a payment on this account after XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I called several times trying to get documentation emailed and mailed to me they never sent me anything and appears on my credit report with and incorrect amount and payment history which is hurting my credit. Ive made several attempts to speak with higher up and can never get the issue resolved
Product: Student loan

I am having difficulty getting old student loans removed from my credit report. Upon their request I submitted my credit reports from all three agencies showing the age of the accounts. This was done in XX/XX/2016. I received correspondence from their fraud department stating that the loans had been investigated and that they belonged to me. I never disputed the ownership of the loans. I just want these old paid off accounts removed from my credit report. I have since tried to reach them by phone and have been put on hold for 29 minutes at a time and even disconnected from the phone entirely. Please help!
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof for the creditor bank account that I didnt pay and was marked late because this is clearly a billing error.
Product: Prepaid card

They froze my cards on there own i tried 40 times to authenticate and provided documents they always told me " No problem we will lift the restriction " 40x 's they told me this and also my Case Worker at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I am 100 % XXXX Service Connected Veteran from the United States Marine.. The Bank is Brinks Bank & Trust Company, it is a Master Card Prepaid Debit card the even refused to update my informstion on the Brinks All Access Money Application.. Their # is XXXX XXXX The Compromised cards are XXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXXXXXX XXXX They charged me fees on these XXXX cards and then restricted them.. The two times the cards were delivered were left outside my apartment door on the floor with I being home both times.. Please help me.. Thank you so much.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed I had several Fraudulent accounts on my current credit report. Please remove these items off my credit report, They are hurting my ability to obtain credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Back in XXXX of XXXX, I received a noticed from Wells Fargo saying I did not pay my property taxes and did not have any home owners insurance. I clearly had the canceled tax check in my files, but they still tried to foreclose unless I paid them {$1000.00}. Paying them all that money, after I paid my taxes, put a huge strain on my finances. For several months I was always late on the electric, gas and water bills, causing the services to be turned off, because I couldnt pay them on time. Then Wells Fargo tried again to foreclose on me after I thought I made restitution with them by paying them the {$1000.00}. Once again they threatened to foreclose unless I paid them another {$1000.00}, and the same scenario started all over again. At the time all this was happening I hired a lawyer, please see all the attached correspondence between my lawyer and Wells Fargo. All of this continued till XXXX, when they finally stopped harassing me. 
Then mental and physical anguish I went through for 6 years put a strain on my marriage, my finances, and my health. I found this website called XXXX XXXX, on an article written by XXXX XXXX saying how Wells Fargo might owe you money, because it seems they did this to many other people. 

I have since sold this house, but I so afraid that if I purchase another house, if Wells Fargo becomes my mortgage holder, they will try do do what they did back then.
Product: Credit card

I had a XXXX XXXX with XXXX XXXX that I used and paid off for years. This card was converted to XXXX credit card which I never received or activated. On XX/XX/year> there were XXXX charges of {$.00} each for XXXX store that I never made. XXXX let the charges go through even though I never received or activated the card. They never provided me a statement for these charges. They called me after these charges had accelerated to $ XXXX with late fees, interest, etc. I advised this was fraud. Despite calls, emails, etc. XXXX would not rectify. They wrote it off and sent to XXXX XXXX XXXX to collect. Many calls to XXXX requesting they rectify, but they refused and only wanted me to pay this fraud. Finally got a supervisor who sent me paperwork to dispute. They will not rectify unless I include a complaint with CFPB. Therefore I am now filing to obtain the documentation XXXX seeks to get this off my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a public record on my report that was inaccurate so I disputed the accuracy of the report. Equifax confirmed that they verified through the creditor that the information was correct. 

I wrote the court to ask how they verify information with the credit bureaus. They said that they do n't. 

I sent this info back to Equifax and asked for their method of verification. 

They confirmed they gathered the information from a 3rd party XXXX. 

I wrote to XXXX to ask how they verified the information. They wrote me back and said they HAVE NOT been able to verify it and have removed it from their records. 

I sent this information back to Equifax and they still have not removed the inaccurate information.
Product: Credit reporting or other personal consumer reports

I never opened these accounts, are part of data breach with the bureaus and I am a victim of it
Product: Credit reporting or other personal consumer reports

I am writing to follow up on previous disputes regarding negative accounts on my credit report. Despite multiple attempts to resolve these issues, inaccuracies and unauthorized accounts remain.
Product: Debt collection

I was informed that my XXXX minor daughter was served papers indicating that, I am being sued. 
Upon reviewing the validation of debt included in the packet, I noticed there was an address that I have never resided at and have no knowledge of the address. I then contacted the debt collection agency that is suing me to inform them that I had no knowledge of this debt prior to receiving the court summons because I never lived at that address they started collection practices and wasnt given proper time to ask for debt validation, report identity theft, contact credit bureaus and/or take other actions due to the fraudulent information being reported to avoid a lawsuit for debt that isnt mine. The representative said they would send a fraud packet but wouldnt stop collection on several fraudulent accounts in their office the agent informed me of. I have sent letters within the last 30 days to every account that is listed on my credit report connected to this address that is a result of identity theft. I have also sent letters o the credit bureau asking them to stop reporting incorrect information on my credit file because it was causing my family and I a hardship. 
I also do not owe this debt collection agency these debts, I never signed a contract with the creditors nor the debt collection agency as well as it is reporting on my credit file twice as charged off by original creditors as well a second time by this debt collection agency under three different names for each debt they said I owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the Equifax credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized inquiry that reporting on my credit report. Since this is a strict violation of FCRA laws I need the inquiry removed from my file as soon as possible. 
XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX at Tower Loans is a complete lier, saying they didn't say anything to my fiancee about my loan how I was lying to her, then on complaint form I sent last, XXXX 's comment saying XX/XX/XXXX is just upset he can't pay his note, she is a lier I went in afew days later and paid {$800.00} on it sometimes I don't get a check when planned I'm a Sub-contractor, she needs to respect tower loans customers and threatening poeple about going repo their belongings, to family members, not right to do
Product: Credit reporting or other personal consumer reports

This is my second attempt to correct this invalidated account on my credit report. I contacted the furnisher and they failed to provide documentation to validate this account is accurate as required by the FCRA.
Product: Debt collection

XXXX XXXX - XXXX I CONTINUES TO RECEIVE REPEATEDLY PHONE CALLS ALL THROUGH THE DAY NEVER SEIZES. 

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 THERE WAS MORE CALLS I WOULD NOT HAVE ENOUGH SPACE TO LIST THE OTHER PHONE CALLS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing unverified, fraudulent and non consented information reporting on my consumer reports dating back to 2018. I have been a victim of identity theft. I have sent over 7 correspondence to all three major consumer reporting agencies requesting validation of debt, correcting name, address, and phone number along with requesting the removal any fraudulent accounts, inquiries, names, addresses, and/or phone numbers showing on my consumer reports that are not valid with minimal corrections. The companies XXXX, XXXX and XXXX were all asked to provide proof being a contract/agreement validating any disputed items on my consumer report and I have yet to receive anything but its verified. Someone needs to be held accountable for the fraud taking place including but not limited to the use of my Trademarked name XXXX registration # XXXX and restitution should be made by any company or individual without my consent or a valid contract.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on XX/XX/XXXX XXXX Account Dear CFPB, I am writing to formally dispute inaccurate late payments reported on my XX/XX/XXXXXXXX account ( Account # : XXXX ) on my credit file maintained by Experian. These inaccuracies misrepresent my payment history and creditworthiness, violating my rights under the Fair Credit Reporting Act ( FCRA ). 
Nature of the Complaint Inaccurate Reporting : XXXX : Incorrect late payment reported for XX/XX/XXXX and XX/XX/XXXX. 
Experian XXXX XXXX : Incorrect late payment reported for XX/XX/XXXX and XX/XX/XXXX. 
The account is reported as current, with consistent payments on time except for these erroneous late payment records. Additionally, I have been enrolled in autopay, ensuring no late payments occur. 
Discrepancies in Account Information : High Balance : XXXX and Experian report {$380.00}, while XXXX lists {$0.00}. 
Last Verified Date : XXXX lists XX/XX/XXXX, while Experian and XXXX have no data for this field. 
Date of Last Activity : XXXX and XXXX list XX/XX/XXXX, while Experian lists XX/XX/XXXX. 
XXXX XXXX : XXXX, Experian, and XXXX consistently show {$78.00} ; however, the late payment records contradict this. 
Violation of the FCRA ( 15 U.S.C. 1681 ) : Section 1681e ( b ) : Failure to ensure maximum accuracy of consumer reports.

Section 1681i : Failure to conduct a proper investigation when disputes were previously raised.

Section 1681s-2 : Reporting inaccurate or incomplete account data.

Potential Violation of FDCPA ( 15 U.S.C. 1692e ) : The inaccurate reporting of late payments may constitute false representation of the character or legal status of my account.

Truth in Lending Act ( TILA ) : Inaccurate reporting practices fail to meet the standards of transparent and accurate credit disclosures. 
Requested Resolution I request that Experian : Conduct a thorough investigation of the XX/XX/XXXXXXXX account inaccuracies. 
Remove all erroneous late payments ( XXXX : XX/XX/XXXX and XX/XX/XXXX ; Experian and XXXX : XX/XX/XXXX and XX/XX/XXXX ) from my credit file. 
Update all other account details to ensure maximum accuracy, including high balance, activity dates, and payment history. 
Compliance Reminder Pursuant to 15 U.S.C. 1681n and 1681o, failure to correct these inaccuracies within the statutory 30-day window may result in civil liability, including damages, attorney fees, and punitive measures. 
I look forward to your response within the legally mandated time frame. Please provide written confirmation once the corrections are made. 
Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

In 2020, I took out a Credit Builder loan with MoneyLion Inc . The loan terms were explained to me as follows : I would make regular payments toward the loan, and the funds would be held in reserve. Once I finished paying off the loan in full, the reserved funds would be returned to me. 

I completed the loan payments in full, including the final balance of {$140.00}, which had been sent to collections. However, I never received the {$370.00} that was held in reserve. MoneyLion has since informed me that, because the loan went into collections, they will not return the reserved funds. They have been unable to provide any documentation or receipts to justify why they are withholding the {$370.00}. 

I was explicitly told that I would receive the reserved funds after fulfilling my payment obligations, yet this has not happened.