23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/2016, I went on XXXX due to a lower back injury I suffered on the Job. 
I started receiving social security XXXX benefits. Due the hardship of my financial situation, I request a mortgage modification. Quicken loans, put me through a trial period of payments, ( Which I completed ) Then Quicken loans ask me when will I be ready to sign the NEW mortgage modification documents. I stated to quicken loans that my ex-wife and I are no longer together and we are in the process of a divorce. However, Quicken loans persisted that my ex-wife needed to sign the new mortgage modification. 
I explain to quicken loans that my ex-wife is in XXXX, MA and it will take some time to locate her. When I was able to locate her ; I had her sign the quitclaim forms. This quit claim forms was drafted by my attorney. ( Please see scan 1 ) Once the quitclaim was filed with XXXX county register office and accepted. I forward a copy to Quicken Loans. Now Quicken Loans is stating that proper wording was not used in the form. ( Please see scan 2 ) Then Quicken loans forward me an email showing the wording they want on the quick claim. Then my attorney cut and pasted the exact wording they wanted. ( Please see scan 3 ) Then I forward them the new quitclaim with their wording, just to make sure before I go crazy again looking for my ex-wife in XXXX, MA. Then today XX/XX/2016 they state, that the wording is still incorrect. I 'm filing a complaint because it looks like quicken loans is trying to set me up for a foreclosure on my property. Plus my ex-wife name was not on the deed and she is not on the title of my home, however they still want her to sign.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

Havent seen my credit since XXXX of XXXX. I call the bureaus XXXX XXXX XXXX and experian and nothing is reporting.
Product: Credit reporting or other personal consumer reports

Several creditors are committing fraud on my credit file.XXXX  XXXX XXXX XXXX, Discover, XXXX, XXXX, XXXX XXXX, They have written and charged off debt as profit loss and got paid but they are still updating and reporting in my credit report which is fraud and a direct violation of the FCRA, I never received anything in writing me to pay. None of the creditors sent a 1099-C, This is fraud to place on my credit report and try to get paid again and keep updating my credit report monthly. I want all creditors got paid and that charged off profit to loss was paid as the creditors I want the closed accounts removed from ALL my credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need enforcement because all the investigations is done Ive done all of it now I need enforcement of my rights
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I noticed a few inquiries on My report I do not recognize
Product: Mortgage

I have applied for refinance of my primary mortgage for 15 years on XX/XX/2020 with XXXX XXXX from US bank. They did a rate lock which was to expire in 3 months. 
They took initial deposit of {$390.00}. 
They collected some documents from me but did nothing, their loan office XXXX XXXX XXXX, just put me on hold for hours together while talking to someone else. After 4 months of doing nothing with my application the loan officer finally said that they have fired their Underwriter who was incompetent and now my loan application will move faster. I asked them to refund my {$390.00} so that I can get my refinance application somewhere else but they refused to refund the money. The lock period expired and the rates went down considerably but they refused to put another lock for lower rate. Now I am in this limbo where I do not know what I can do? The consumer should not be made to suffer if US bank choose to hire incompetent employees who can not do their work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am ready to sue Trans Union. I have been back and forth with them since XX/XX/2021 about multiple things on my report that should not be there. One of the main being a XXXX  reporting. I have sent tons of letters and proof from the court they do not give the bureaus this information and they keep " verifying '' it. Now I'm just completely floored at the lying they do and got a consultation at a workshop I went to from a lawyer who seems to think I have a case for damages. I have every single response from them claiming they " verified '' something and they didn't. I even asked multiple times for them to tell me how they verified something and they sent the same response. This is my last attempt this XXXX  and these other negative things are reporting UNLAWFULLY and I've had it. This has kept me from buying a house and Trans Union just thinks they can ruin people 's reputation. If it is not resolved NOW I will be retaining that attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I called Sterling XXXX ( XXXX ) to request my consumer report. Customer service rep kept saying I needed an order ID or company name. Nowhere on their web site does it say I need this information : XXXX XXXX XXXX I was unable to request a consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to get Experian to properly update the way they are reporting account that were discharged in my Bankruptcy. XXXX and XXXX deleted alot of the accounts but Experian continues to reports these accounts as present and negative.
Product: Checking or savings account

Opened a Checking account with terms of {$200.00} if I directed deposited {$2000.00} in 3 months. I needed to show physical ID to provide who I was. Bank Agent claims they can't find the application we go around fo XXXX and hour then they send me a new Applicaiton, I ask for terms i signed up. Agent claims that offer expired so I click thelink then look up the offer its good until XXXX, so I show the agent that they lied to me and I wanted tthe deal. Then they claim there is nothing they can do and I need to leave.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a formal complaint regarding an unauthorized hard inquiry from OneMain Financial that appeared on my XXXX credit report on XX/XX/XXXX. 

I initially disputed this inquiry directly with XXXX on XX/XX/XXXX. Despite providing all necessary information, including proof that I did not authorize or initiate any application with OneMain Financial, XXXX has failed to remove the inquiry or provide a satisfactory resolution. 

Details of the Complaint : Company involved : OneMain Financial Inquiry date : XX/XX/XXXX Credit Bureau : XXXX Nature of the complaint : Unauthorized hard inquiry I did not apply for any credit or loan with OneMain Financial on or around the mentioned date, nor did I give permission for them to access my credit report. I have made reasonable efforts to resolve this matter directly with XXXX, but I have not received a response or resolution. The inquiry is negatively affecting my credit score, and I believe it is a violation of my consumer rights. 15 U.S. Code 1681i I am requesting that the CFPB assist me in getting this unauthorized inquiry removed from my credit report and ensuring that my credit score is restored. 

Thank you for your assistance in resolving this issue promptly.
Product: Credit card

I put in a fraud dispute on a charge to my account. This company moved the charge then months later added it back. I called the company and told them I didnt do it. They then asked me to get in contact with the merchant and prove that transaction wasnt me. I called the merchant and only got foreigners to answer who directed me to send a email. I sent 2 emails requesting merchant to prove that this was me and my transactions being that I have not used that merchant in years under my account XXXX never responded. I then sent several emails with screenshots of the merchants charges and responses of which I never gave, and they still managed to charge me the fee. Which is now reflecting on my credit report. I kept submitting an email for the issue however, they no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX is being reported inaccurately on my report. I contacted XXXX XXXX to advise the about a hardship due to covid 19 and that I would be paying the car off within 2 months ... .They agreed not to report late payments due to this hardship due to the pandemic. and I in part held up my end of the bargain and paid the car off last month. I need them to delete the late payments that they reported as we had an agreement and this was cause by a pandemic. also they are still reporting a balance on my report and have not updated since XX/XX/2020 ... please help me
Product: Credit reporting or other personal consumer reports

I am asking for your assistance regarding the incorrect account listed on my credit report. This issue has hurt my reputation, and I need your help. The mishandling of my credit information has greatly affected me, and the inaccurate reporting has caused serious harm to my reputation. It is essential that you remove these false details from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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
Product: Money transfer, virtual currency, or money service

I saw this offer from XXXX about used XXXXXXXX XXXX XXXX for {$750.00}, I negotiated with the seller to {$600.00} and he agreed to it, then we exchanged phone numbers so we could communicate easily. I structured 3 payments on XXXX from my chase bank, {$350.00} ( Transaction ID XXXX ) for him to send the phone, {$150.00} ( Transaction ID XXXX ) after he mailed the phone, and {$100.00} after I got it. He sent me a USPS tracking number XXXX and when I saw the status that the package hadn't been handed off, he told me to wait for the next day which was the first time I had my suspicion and the next day when I contacted him, I realized he blocked me. I tried to contact him ( XXXX ) XXXX with another phone number and he responded to me saying I was weird and I need to calm down, he sent me his ID and SSN, his name is XXXX, XXXX XXXX XXXX. I felt more relaxed after he gave me his ID but then he also blocked me on that number and when I tried to contact the number again, his number is gone and a new guy has that phone number.
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 ( XXXX XXXX XXXX ). 

Account Information : Creditor Name : XXXXXXXX XXXX XXXX XXXXccount Number : XXXX Date of Charge Off : XX/XX/year> Amount : 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
Product: Payday loan, title loan, or personal loan

I notice a XXXX Checking and credit account open under my information without authorization and permission, I notice there's is predatory practice by the bank intuition to incurred a large amount of transaction without my permission or acknowledgment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am at my wits end - I have called XXXX XXXX regarding their incorrect reporting of the status of my account 16 times during the past year. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ... ..AND THE LAST TIME WAS TODAY, XX/XX/XXXX I paid this car loan off XX/XX/XXXX and I actually talked to them that day about the inaccuracies of their reporting of my car loan to the credit reporting agencies. The girl actually said she would take care of it. Never heard another thing from them and my credit report remained unchanged. 

So ... ..today XX/XX/XXXX I receive a notification that some information on my credit report has changed. The updated my credit report alright, but they just moved the information around - and now my credit report has now gone DOWN 19 points!! They  had been reporting it as 30 days late 4 times and 60 days late 2 times. Today 's update now shows it was 30 days late 3 times and 60 days late 2 times. 

NONE OF THIS IS TRUE! I have NEVER made my car payment 30 days late, let alone 60 days!! 

Their customer service reps speak broken English and every time I call, I get a different answer from them! All I want is my account to reflect correctly!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting companies used my information fraudulent. Under the Fair Reporting Act ; 15 USC 6802,15 USC 6809,15 USC 1681 my information was used fraudulent without my permission
Product: Student loan

My student loan account is in SAVE program forbearance and should NOT be accruing interest as per the Studentaid.gov communications. My account balance has increased from {$71000.00} to {$74000.00} with no explanation. When I go to my account history, the interest isnt shown there but is showing in the overall total balance. Please help!! It is impossible to get ahold of Mohela customer service and there is no reason for my balance to be increasing as this time. I have attached my communication from Mohela showing my balance stated along with a screenshot showing what my current balance is. Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm actively fixing my credit report with a counselor. I'm following all the rules by 3 credit bureaus. 
EXPERIAN confirms getting my ID information which they asked for but then won't allow me to dispute any info and keeps asking me to verify my identity AGAIN by sending them the same info I already did OVER AND OVER EVERY 2 MONTHS!! 

It WON'T LET ME UPLOAD ID INFO TO THEM VIA THEIR WEBSITE EVEN WHEN THEY SAY I CAN AND PROVIDE THE WEBSITE PORTAL .. -- doesn't work at all ... ..they WON'T LE ME EMAIL IT. 
I send it to them via snail mail & certified mail, THEY CONFIRM they got it but then when I FILE A DISPUTE & SEND THEM THE PROOF their response is to ask me for my ID/verify MY ID AGAIN.! 
I CANT REACH THEM BY PHONE I CANT CONTACT THEM VIA EMAIL THEY DON'T RESPOND ONLY ASK FOR ME TO VERIFY MY IDENTITY BY SENDING THEM the same info I ALREADY DID the prior month. I CAN'T EVEN FREEZE MY ACCOUNT CANT GET THEM REMOVE ANYTHING ON IT NOR GET THE SCORE UP B/C OF THIS CYCLE OF MADNESS IN VERIFYING MY IDENTITY FOR MONTHS ON END.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXX/XX/2023XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I opened PayPal case XXXX on XX/XX/2021 against a fraudulent transaction from XXXX where merchandise was purchased and incorrect delivered. On XX/XX/2021, PayPal incorrectly denied my claim after I had provided ample evidence that the merchant failed to honor their contract : the merchandise was purchased with XXXX Int'l Priority shipping to arrive within days, but the merchant sent it with economy shipping to arrive months late to an address I had moved away from and was no longer living in and had no intent of returning to, fraudulently pocketing the change. I attest under penalty of perjury that this is true to the best of my knowledge. Evidence consists of screenshots ( proving delivery time, and proving the merchant had allegedly acquiesced to a refund ). Verbatim text of paypal dispute originally submitted is attached.

[ please redact all attachments and this sentence when publishing this complaint online, thank you ]
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my dispute regarding an inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandated a reasonable investigation of disputes. Furthermore Equifaxs actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as Highlighted in the CFPBs recent administration proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I requested that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX XXXX XXXX owed {$350.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Several years ago, while I was suffering from  XXXX , a local unscrupulous attorney conned my wife into filing for bankruptcy. I was unaware of the filing and did not sign any paperwork. The attorney encouraged my wife to sign my name. I discovered this filing a few months ago by reviewing my credit report for another purpose. The credit bureau has refused to remove the negative information so I asked to place a personal statement in the file and I provided one to them. This statement has not been posted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is effecting my chances of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2020. The bureau reporting is Experian. Thank you!