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

I, XXXX XXXX, am filing this complaint on my own without any external assistance. Enclosed are letters detailing the inaccuracies found in my credit report. The reports from XXXX, Experian, and XXXX contain incorrect and inconsistent information with improper dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have looked at my credit and saw accounts that do not belong to me including a bunch of addresses. Please remove them ...
Product: Bank account or service

On XXXX occasions, an individual named XXXX XXXX XXXX, withdrew over {$2900.00} from our USAA savings account, into his XXXX XXXX investment account. We contacted the FBI, Federal Trade Commission, and our local police department. They are helping with the situation. But, both USAA and XXXX XXXX has been uncooperative with investigating how an unauthorized funds can be wired from our account. We have the name, and the last four digits of his account with XXXX XXXX, XXXX. We informed the XXXX XXXX personnel, XXXX XXXX, of this information and the was extremely unprofessional, and rude. When we told her of the information from our account on the individual, she said they could not find the individual due to the size of the bank. As a Retired XXXX XXXX XXXX XXXX XXXX, Media outlets would contact me requesting information on a soldier with limited information. The XXXX being much larger than XXXX XXXX, never caused me problems locating the individual, whether they were in the United States or in the theater of operation. I know that with a full name and the last four of an account number, a database can initiate a query and locate this person. XXXX XXXX would not attempt to assist.
Product: Mortgage

I need a repair affidavit form from CMC Funding. Their website to supposed to make it available to me but it isn't. I contacted SLS, who services the loan but they would not help because I was not willing to give them the last 4 of my social security number. I WILL NEVER GIVE THEM THE LAST 4 OF MY SOCIAL OVER A PHONE!!!!!!!!!!!!!!! so don't take that as their response. The repair affidavit form is a BLANK FORM!!!! They will not make it available to me or mail it to me!!!!!!!!!!!!!! Please help me get them to send me the required form so I can fill it out and send it back so the funds to repair my house will be released!!!
Product: Mortgage

In XXXX My loan was paid up to date after being behind for years. I'd asked when it would report to credit agencies and was told by the end of the month. By XXXX still nothing so I called back and was told they are reviewing now and will determine in 5 days when they can report. XXXX. Still nothing. So I called back and was told since I filed for bankruptcy in 2016 I needed an reaffirmation agreement completed in order for them to report to credit agencies. It didn't make much sense since I read mortgage companies are still responsible for reporting payments without this agreement.so I called back and was connected to another department that stated they are working on reporting my information now and should be on credit report soon. Still nothing. Then I get a letter today that states they have received my inquiry after careful review we have determined that the information is accurate as we are required by federal law to accurately report information contained in our records. We are unable to accommodate you request.if I can provide documentation that shows the account information on record is incorrect we can correct any inaccurate information within our system. All I wanted was my payments reported And they are not. So I called for clarification. The first rep was nice looked at my account and transferred me to another department but my call was disconnected so I called back. The second rep was so combative and put me on hold for 35 mins only to co.e back on to ask me to continue to hold. So I asked to be transfered. She said only if they are able to help you. ( then if they were not why was she holding ingredients on so long to speak ) anyway she put me back on hold and immediately came back and said I have someone to speak with you now. This woman asked me my name and quickly went to you filed for bankruptcy in 2016 and my reaffirmation agreement is for the wrong bankruptcy. I only ever had one bankruptcy XXXX and that was in 2016. She didn't want to explain just quickly get me off the phone. This is not asking for Mars to fit in my living room, just report my payments. Am I wrong.?
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not recognize the hard inquiry on my credit report from Rock Hill Financial on XX/XX/XXXX, so I wrote them a letter on XX/XX/XXXX advising them to investigate this item and remove it from my credit if they are not able to validate it. However, I also asked them that if they were able to validate it, then to please provide written proof and a description of how the investigation was conducted. 

On XX/XX/XXXX I received a call from XXXX at XXXX telling me that I gave them authorization to pull my credit on XX/XX/XXXX over the phone when I applied for a loan. I asked her to please send me proof of that and she told me that she did nothing wrong and hung up the phone. 

I did not authorize this company to pull my credit report at any time.
Product: Student loan

I had signed up for a graduated repayment period plan over the phone with a Sallie Mae advisor in XX/XX/year>. I was told that this would last 12 months, meaning lower costs in my monthly payments by a few XXXX dollars- already being approximately XXXX monthly. 
I was told after the 12 months to contact and see what other plans would be available to me. 
I contacted today to confirm this would still be the case and was informed that I can not apply for any other repayment plan because i am expected to make full payments of XXXX monthly for 12 months before possibly qualifying for any other repayment plans. This is not was i was initially told, and is different from what I had been informed upon initially signing up for this plan.
Product: Student loan

I sent XXXX XXXX XXXX the letter below on XX/XX/XXXX. They received it on XX/XX/XXXX. It is now XX/XX/XXXX. I have yet to hear from them. They have yet to answer and it is already past the 30 day limit.
From : XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX, Mo XXXX  XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX In regards to : UNFINISHED BUSINESS XXXX XXXX XXXX non-adverse, non-belligerent, non-combatant party, secure creditor with power of attorney general, and Executor on behalf of the XXXX XXXX XXXX, is in possession of your recent voluntary submission of evidentiary document.
FXXXX XXXX XXXX, must herein provide a true and certified copy of the complete audit trail of said account. Furthermore, in order for XXXX XXXX XXXX to validate the debt, please provide verification through audit certification of debt entry in accordance with g.a.a.p, i.f.r.s., in accordance with basel 3 accord and u.n.c.i.t.r.a.l conventions. I would also need a copy of your Tax Registration certificate!
Failure to substantiate the claim, please settle account immediately within the next thirty days.
Sincerely, XXXX XXXX XXXX Executor of the Estate
Product: Debt collection

I dont own any debt they remove money and have Been for over 8 month automatically off my account every month was never in collection how is it Im collection now .. i pay every month on time automaticly
Product: Credit reporting, credit repair services, 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. 

1. Did not consent to unauthorized inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please Remove It From My Credit Report. 2. Did not consent to unauthorized inquiry.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 Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account.XXXX XXXX XXXX XXXX XXXX  Your improper procedures are highly damaging to my credit score. Please immediately delete this item.

5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
XXXX XXXX XXXX XXXX XXXX  Your improper procedures are highly damaging to my XXXX XXXX. Please immediately delete this item. 

6. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. 
XXXX XXXX XXXX XXXX XXXXXXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item.

7. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX XXXX XXXX XXXX Validate/inaccurate reported late payments. 

8. I never filed a bankruptcy. It is not on XXXX, Transunion or XXXX XXXX. XXXX XXXX was the furnisher of bankruptcy information for Transunion until XXXX of XXXX. 
XXXX XXXX bankruptcy discharged, filed XXXX XXXX XXXX XXXX XXXX 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 seven 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

I am a natural person, I am a living human being. I have rights under 15 usc 1681.

Equifax is govern by 15 usc 1681 and they violated my rights numerous of times. I demanded the account listed below be romper because According to 15 usc 1681 I have the right to privacy and I did not give equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My hours at work were cut because of Covid19 and I was unable to make payments on time for 2 months. I asked for a deferred payment plan and for the late payments to be removed. I has given a new payment plan but I still have late payments on my report. Before covid and even a while after, I have never missed a payment. I don't think it's fair for me to be penalized for something that was out of my control. My account is now paid up to date and I would like for that to be updated on my credit report. My balance and current payments are also incorrect. It is showing I have a balance of XXXX but my account is showing XXXX.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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 card or prepaid card

I have disputed fraud charges with H.depot since XX/XX/XXXX. I have submitted bank statements, police case number, and all disputed documents to the store and citibank. H.Depot credited the account, issued a new cc and terminated the fraud account per our conversation. Once I used the new card, I made a purchase and the store decided to add the fraud charges back. Citbank sent a letter below and I responded.I received the below email : We completed an additional investigation into your claim of unauthorized purchases on your account. We determined you are responsible for the charges in question. Our records indicate you did not report the unauthorized purchases in a timely manner ; however, payments were made on the account and the balance was not questioned. We have attached copies of the letters sent on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, for your review which includes additional information. As of the date of this letter, your account is currently past due {$29.00} with a Minimum Payment Due of {$70.00} on or before XX/XX/XXXX. Thanks for your inquiry. We'd like you to know that it's important to us and we appreciate the opportunity to respond. 

As I have stated in my previous email, I am NOT RESPONSIBLE FOR THE CHARGES IN QUESTION!!! AS I STATED, AS A CARD HOLDER WITH GREAT CREDIT WHO IS AN OWNER OF A COLLECTION AGENCY, I AM AWARE OF MY RIGHTS! I DID NOT PURCHASE THE ITEMS. I REPORTED THE FRAUD ONCE I BECAME AWARE OF THE FRAUD. CITI BANK IS AT FAULT FOR TELLING ME AS A CUSTOMER THAT I DID NOT REPORT THE CHARGES IN A TIMELY MANNER. THERE IS NOT A TIME FRAME TO REPORT FRAUD. IT IS REPORTED ONCE DETECTED. I PAID MY ACCOUNT BECAUSE I PAY ALL OF MY ACCOUNTS ON TIME. I HAD VANDALLISM IN MY HOME AND MY CARD WAS STOLEN. DUE TO THE VANDALLISM I WAS MADE AWARE OF THE FRAUD AND REPORTED IT IMMEDIATELY. I PAID FOR THE ITEMS I CHARGED AND THESE CHARGES ARE FRADULENT THAT WERE REPORTED! I AM NOT RESPONSIBLE AS I STATED IN MY PRIOR EMAIL AND THEY WILL BE DISPUTED. I WILL FORWARD THESE NOTICES TO MY ATTORNEY! 
I WAS ASKED TO SUBMIT MY BANK STATEMENTS FOR THE MONTH THAT THE FRAUD OCCURED AND I SUBMITTED TO HOME DEPOT ON 4 OCCASIONS. I WAS TOLD THE PURCHASES WERE MADE IN STORE. IT IS YOUR OBLIGATION TO DO AN INTERNAL INVESTIGATION AND PULL ALL CAMERA RECORDINGS. DO NOT BILL MY ACCOUNT FOR THESE FRAUD CHARGES.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX on XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), and several collections account opened at XXXX on XX/XX/XXXX with a balance of $ ( {$4800.00} ), Spring on XX/XX/XXXX with a balance of ( {$3300.00} ), XXXX  XXXX XXXX XXXX  on XX/XX/XXXX with a balance of ( {$1200.00} ), XXXX XXXX XXXX, XXXX XXXX XXXX of ( {$3300.00} ), that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

Fraudulent Inquires XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It is mandatory that consumer reporting agein a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of FCRA, 15 USC 1681 ( a ) ( 4 ). 


1. Please block and remove this INACCURATE and UNFAIR data on my credit report. Chapter XXXX Bankruptcy Case Number : XXXX 2. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 3. Please block and remove this XXXXNACCURATE and UNFAIR data on my credit report. BK OF AMER Account Number : XXXX 4. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 5. Please block and remove this INACCURATE and UNFAIR data on my credit report. BK OF AMER Account Number : XXXX 6. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today  Friday XX/XX/XXXX I contacted Equifax Credit Bureau to unfreeze my account. I was very distressed during this process I felt that I was harassed in the manner in which I was treated. Approximately between the hours of XXXX : XXXX  and XXXX I called Equifax Credit Bureau to unfreeze my Credit Report to make it available for a lender. The following occurred : automated ask my full social, birthday, numerical street address zip code, the automated also sent to my phone an access number in which it difficult for me to click over and do. Finally robot prompted me to an agent who continued to ask me the same things that the automated had asked my social, birthday , street address and zip code, After asking these same questions she said that she had some security questions as : Around XXXX of XXXX did I open an account with a group of companies and my reply was no. She asked who financed my car since I have owned several cars I needed her to be more specific and she said within ( 5 ) years I replied that XXXX was first and XXXX XXXX was the second also I sold the car in XXXX and paid the car loan off. She came back and asked me the same question and I told her the same things. She asked about who had my mortgage and how much I paid per month I gave her that XXXX XXXX  was first and currently XXXX XXXX XXXX. she act like she couldn't understand the two mortgages and I told her that XXXX had sold the loan. She also asked about my credit cards and I told her I had just got one today and who it was issued by and she asked me about XXXX XXXX and I told her I had a checking account and a preferred credit card she wanted to know the balances and I told her I didn't know. She asked me also did I owe any other credit cards and I told her no. The agent at this time told me that she couldn't honor my request because she couldn't authenticate me as XXXX XXXX even though I had answered all of her questions. 

This agent was acting like an attorney and in my opinion crossed the line in how she suppose to verify a person. She keep going off the phone saying she couldn't here me. It was a difficult phone call.
Product: Checking or savings account

I have a long-time joint Discover on-line savings account with my husband in which he is the primary and I am the secondary owner. In two separate phone conversations with Discover, my husband asked if I was able to receive a bonus by opening a new account in my name. He was told yes, I could open an account because I am the secondary owner on our joint account. I am interested in opening a savings account as primary owner using {$150.00} bonus code XXXX. In preparation for opening up my own account and to transact on our joint account I registered for an on-line account, in which our joint account is listed. When I looked at the terms of the bonus, the text ( attached ) specifically states " Eligibility is based on primary owner ''. As two Discover phone representatives indicated, I should be eligible for the bonus because I am the primary owner on the new account and secondary owner on the Joint Account. During the on-line process ( attached ), my eligibility was deemed ineligible because of my joint account. When I called Discover, the representative indicated that I am listed as primary on the Joint account in MY on-line account and therefore are ineligible.
Product: Mortgage

I had a mortgage with XXXX for many years. Payment was automatically withdrawn from my account every month. Nationstar Mortgage purchased my loan from previous lender and stopped withdrawing funds from my account in XX/XX/2016. 2 months later I got a certified letter in the mail stating that my loan is in default. I immediately called and paid outstanding balance and set up automatic withdrawal again through my checking account. 
Nationstar reported me and my wife to credit agencies as being late even though they promised not report since payments were not discontinued by us and balance was paid in full as soon as we received a letter. 
Since then we requested to have negative reporting removed numerous times but no action was taken by the bank.