23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CAPITAL ONE BANK NEVER GAVE ME THE RIGHT TO DISPUTE ALLEGED DEBT ON MY ACCOUNT ALSO DIDNT TELL ME THEY WERE A DEBT COLLECTOR
Product: Student loan

All I want to do is pay off my loan. Every time I try to pay they always send the money back and when I call them they never give me a straight answer and they always say it's the banks fault. I called the banks and they say it's not them. Because of mohela my credit score dropped and there raising my debt. When it's not even my fault I try to give them money but they never want to take it. I never had a problem paying my debt untill they switched platforms. I have suffered way to much from there incompetence please help me
Product: Credit reporting or other personal consumer reports

I am writing to report that I have been a victim of identity theft upon reviewing my credit report I noticed that XXXX has listed these two accounts that I do not recognize and did not authorize the account which appears in my credit report is not familiar to me and I have never applied for this leasing agreement. To my knowledge this fraudulent accounts were open without my consent I respectfully request that this these unauthorized accounts be investigated and I urge you to remove it from my credit report immediately please provide me with any available information regarding the accounts including the account details please also inform me in writing that the fraudulent accounts have been removed from my credit report thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several credit inquires on my equifax report that I did not authorize and are not mine. They have not removed them and have continued to say that they are factual records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified, after disputing a collection on my account, that the account would be deleted. The account is being reported by a company by the name of XXXX XXXX XXXX. I have not borrowed a single XXXX from this company. I have no debt with this company and I never borrowed {$3700.00} from them. In fact, Ive never borrowed that amount from any other lender either. Which is why I disputed this account! I have asked for some proof of contract, with my signature, and the date XX/XX/XXXX, since thats the supposed date this account was opened on. None of this has been or could be verified by them. The account was in fact deleted from my credit reports on XX/XX/XXXX and I had also received notification from the Credit Bureaus that it was deleted. Between XX/XX/XXXX and XXXX XXXX this account was added back on to my credit reports. I received NO Notifications from any of the Credit Bureaus. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer, If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. I wrote a letter to the CB asking that they delete this collection immediately from my report because they broke the law and did not notify me of the reinsertion and This debt doesnt belong to me. The have yet to remove this account from my reports. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for their blatant disregard for the law. Therefore I am filing a complaint here, and with the XXXX, before taking legal action.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX {$340.00} XXXX XXXX  BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$75.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get this late payment off my credit from XXXX, Transunion, and XXXX. I have not been successful. 

I have received this letter from the creditor ( XXXX ) showing that they should remove the late notation and to make it " current ''. 

This is in regard to account # XXXX # XXXX Please help me get this removed.
Product: Mortgage

My understanding is that I have a right to cancel the PMI on my home mortgage, since my LTV is less than XXXX %, but my mortgage company denied my request, stating that my LTV is XXXX %. 
I have requested them to provide me an explanation on how they calculated my LTV, but I never got a response from them.
Product: Credit reporting or other personal consumer reports

Upon Checking my credit accuracy i discovered an unusual activity and I think I have been a victim of identity theft. Someone used my creditinformation to apply for accounts. I am submitting this dispute in order to dispute and remove following inquiries. XXXX XXXX XX/XX/year> XXXX XX/XX/year> 2025
Product: Debt collection

On XX/XX/year> a company called Tek collect added a medical collection that I have no knowledge of to my credit report. I contacted them and they claimed they would ruin my credit if I didnt pay them and will hold my credit XXXX until paid with a collection account. They claimed it was disputed, yet did not do anything to this account.
Product: Student loan

XXXX/XXXX/XXXX Direct Sub Stafford Loan Repayment {$8000.00} XXXX/XXXX/XXXX Direct Unsub Stafford Loan Repayment {$2400.00} XXXX/XXXX/XXXX Direct Sub Stafford Loan Repayment {$8200.00} XXXX/XXXX/XXXX Direct Unsub Stafford Loan Repayment {$2500.00} XXXX/XXXX/XXXX Federal Stafford Loan Repayment {$5100.00} XXXX/XXXX/XXXX Federal Unsub Stafford Loan Repayment {$2000.00} XXXX/XXXX/XXXX Federal Stafford Loan Repayment {$2600.00} XXXX/XXXX/XXXX Federal Unsub Stafford Loan Repayment {$2300.00} This list is actually higher than when I started paying on my loans several years ago. To date I 've paid : Principal Paid : {$3300.00} Interest Paid : {$7600.00} Amount Paid : {$10000.00} I have made several attempts for an explanation. Contacting by phone is troublesome as I reside overseas ; both costly and timely. I have made two attempts at loan forgiveness ; as a public service worker ( XXXX ) and been found ineligible. Any help would be greatly appreciated.
Product: Credit card or prepaid card

I HAVE HAD WELLS FARGO SECURED CREDIT CARD SINCE XXXX. I MADE ALL PAYMENTS ON TIME FOR YEARS, UNTIL XXXX OF XXXX. I END UP MAKING 1 LATE PAYMENT, REASON BEING, ILLNESS TO XXXX, WHICH CAUSED ME TO BE OUT OF THE WORK FOR A PERIOD OF TIME. I CALLED A FEW TIMES TO SPEAK TO A MANAGER ABOUT THIS. THEY PRETTY MUCH DID NOT CARE. YOU WOULD THINK BEING A LOYAL CARD HOLDER FOR 5 YEARS WITH ONLY 1 LATE PAYMENT THEY WOULD BE ABLE TO HELP ME. THIS IS MAKING IT HARD FOR ME TO START BUILDING MY HOME. THE UNDER WRITERS ARE TOUGH. IF I WOULD OF NOT GOTTEN SICK. I WOULD OF NEVER GOTTEN THE LATE FEE. I THOUGHT CREDIT CARD COMPANIES TRY AND WORK WITH CONSUMERS THROUGH TOUGH TIMES. I HOPE THEY CAN UNDERSTAND WHAT THIS IS CAUSING. I AM PERSON WHO LIKE TO PAY THERE BILLS ON TIME AND COMMUNICATE WHEN I AM HAVING AN ISSUE WITH PAYING ANY BILLS.
Product: Payday loan, title loan, personal loan, or advance loan

HI, In XXXX of last year 2023 I went into my local branch where i was banking to inquire about a personal loan. My Credit score was perfect. at XXXX i believe. I was approved on the first day. When i asked how much the interest will be they told me between 7 and 9 percent. 

I then was given a whole bunch of papers and was told where to sign. I asked what i was signing i was told that i am signing that i am accepting the terms. I don't not recall seeing the 17 and a quarter percent interest. I would never have taken the loan for that amount of interest. I still wasn't sure what the exact amount would be. But my banker assured me it wouldn't be more than 9 percent. 

I had set up auto pay at time that i got the loan. When first payment came I was devestate i was being charged 17 and a quarter percent interest. I continued making the payments every month since. But, requested a deferment to try to refinance it a year later. 

They only allowed a 2 month deferment. i did not want to ruin my credit, so i continued making payments even though i knew i was being cheated. 

In addition when i was a few months late they added up to {$86.00} late fees. I recently requested for those fees to be reimbursed. But, to no avail. 

There is definitely illegitimate practices happening within Santander. Every time i call i get the same person picking up the phone. There seems to be some kind of a telephone cyber criminal enterprise. This sounds crazy... but i have dozens of recordings of my conversations with Santander. 

I hope the CFPB can help resolve this for me. I have tried numerous times including just filing a lawsuit against them on my own. 

But, I beileve something big is going on. like some kind of international cyber criminal activity. I am happy to explain more in person.
Product: Credit reporting or other personal consumer reports

XXXX XXXX : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX  ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX These are inquiries I didnt authorize on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Theft : XXXX. XXXX XXXX XXXX {$1000.00} XXXX. XXXX XXXX XXXX {$85.00} I have provided an identity theft report for the two collections accounts on my credit file being hosted by Equifax and I have already complained prior to this complaint regarding these two fraudulent collections accounts that the company XXXX XXXX XXXX never properly notified me of these two accounts back in XXXX when they began reporting these collections accounts to the credit bureaus unlawfully and beginning in XX/XX/XXXX, over XXXX complaints/disputes, from XX/XX/XXXX thru XX/XX/XXXX, they exceeded the 5 day rule in XX/XX/XXXX and after XXXX plus disputes with the credit bureaus from XX/XX/XXXX to XX/XX/XXXX, never once was a valid, legitimate invoice or statement of services provided to me - what was provided to me was a miserable copy of some statement but it did not show me what services I allegedly owe for and to this date I have never received a bill from the original creditor or a copy of an old bill after close to XXXX disputes with the CFPB and XXXX XXXX disputes with the credit bureaus, never once have I received anything XXXX show me these are two bills I am responsible for.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MY CREDIT WAS PULLED ON THESE ADZACT DATES WITHOUT MY CONSENT .
Product: Credit card or prepaid card

I called a fraudulent XXXXXXXX XXXX XXXX  XXXX web site. they sent me to XXXX to purchase a American Express prepaid gift card which I paid {$420.00}. I gave them the card number over the phone and never heard from them again. A scam number.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information Under 12 CFR 1006.34 ( b ) ( 5 ) and FCRA 15 USC 1681 To Whom It May Concern, I am writing to dispute inaccurate information that appears on my credit report. This dispute is made pursuant to my rights under 12 CFR 1006.34 ( b ) ( 5 ) and the Fair Credit Reporting Act ( FCRA ), 15 USC 1681. 

Details of Disputed Information : Reason for Dispute These account are inaccurate, please delete. 

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  : I request that you conduct a thorough investigation into this matter and delete the inaccurate information on my credit report. 
- **Written Confirmation** : Please provide me with a written confirmation of the completion of your investigation and the results. 
- **Updated Credit Report** : Send me an updated copy of my credit report reflecting the corrected information. 

XXXX XXXX XXXX  Legal References : - **12 CFR 1006.34 ( b ) ( 5 ) ** : This section outlines the requirements for the accuracy and completeness of information reported by debt collectors.

- **FCRA 15 USC 1681** : The Fair Credit Reporting Act ensures consumers ' rights to dispute and correct inaccurate information on their credit reports.

Please address this matter promptly. Failure to correct the inaccurate information may result in further action to enforce my rights under the FCRA and other applicable laws. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Received two notifications of hard inquiries for a credit card I never applied for
Product: Mortgage

It seems that my mortgage company is holding partial payments I make in an account they call unapplied funds. The funds are not applied to the balance until the due date, not the date they were received. And if the partial payments do equal the total payment due by the due date, then nothing is applied until the total payment is received. 
It seems to me that holding the funds, since there is no prepayment penalty, gives the mortgage company more interest. And would defeat any attempt on my part to cut the interest by making early payments.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent inquiries on my report that I do not recognize form the following companies : XXXX XXXX XXXX, Date Inquiries ( XX/XX/202XXXX XXXX XXXX XXXX, Date Inquiries ( XX/XX/2023 )
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and report to the three major credit reporting agencies prior to this complaint. Only to find an unauthorized and unknown account on my credit file. Im demanding that this account be removed and blocked from my credit file. Ive reported this over 30 days ago without a response. Please remove this account immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have paid this account by phone for XXXX years without incident. However, the payment made by phone on XX/XX/2017 was not posted to my account. I called on XX/XX/2017 to make another payment, and was told my account was delinquent. I have tried diligently to get this straightened out with Wells Fargo. Wells Fargo 's system shows the payment was called in on the XX/XX/XXXX but not posted to the account until the XX/XX/XXXX. This is some type of system error. On XX/XX/XXXX, I spoke with several different representatives. XX/XX/XXXX XXXX at XXXX stated that an electronic correction had been sent to XXXX , XXXX, and XXXX. After numerous calls to try and get the issue resolved, XXXX in the XXXX Office claimed that she researched the problem, and that although the payment was submitted to Wells Fargo on XX/XX/XXXX, the system showed that the payment would not post until XX/XX/XXXX This is some type of error. I have never post dated a payment, and was absolutely SHOCKED to find out the payment had not posted on XX/XX/XXXX, when I called on XX/XX/XXXX to make another payment. I am a Mortgage XXXX, and am very diligent in keeping all of my accounts paid on time. The reporting of this late payment has prevented me from getting a mortgage license in the XXXX of XXXX. I have pleaded with Wells Fargo to correct this error. I get a run around from XXXX person to the next, with a different story from each person I speak with. PLEASE help me get this XXXX day late payment removed from my credit report. I paid the account ON TIME.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am a victim of identity theft due to the Equifax Data Breach. The following are fraudulent hard inquiries that I do not recognize and would like removed from my credit report ASAP. Thank you. 

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

Loan Care which was my Mortgage company until XXXX of 2019 keeps saying that they pay my Mortgage Insurance Premium to my Insurance company XXXX on XX/XX/2019, in the sum of {$3500.00} but can not provide me any proof that this was paid to XXXX. When I contacted XXXX, they are saying they never received any payment from Loan Care in 2019. Right now I am forced to be paying XXXX two insurance premium each month.
Product: Credit card or prepaid card

In Discover Bank 's response to my Consumer Financial Protection Bureau ( CFPB ) complaints -- CFPB complaint ID XXXX and CFPB complaint ID XXXX -- the response provided by XXXX XXXX in Discover 's Executive Office of Customer Advocacy department very clearly and plainly makes public on the CFPB 's website, my name ; my address ; my phone number and information related to my prior Discover credit card accounts. This is a gross misuse of my personal information and personal data ; there is no reason that such private information and personal information should be posted into Discover 's response to the CFPB -- a response that the CFPB will make public to all consumers. Once more, Discover Bank has proven that they are consistently violating my privacy rights, this time by copying and pasting my personal, confidential and sensitive data into their online reply to my complaint, which is now accessible to any person of the public who can view this complaint. Discover is knowingly retaliating against me by making public my personal, private and confidential data through the CFPB complaint process. Discover Bank should have known that copying and pasting the sensitive and confidential parts of their reply to the complaint, into the online and public complaint portal, would knowingly cause that information to be accessed and misused by the general public. Discover has acted in an unfair, abusive and deceptive manner. Discover also does not address their unfair, abusive and deceptive marketing practices in their response ; they only apologize for MY misunderstanding. The issue is not mine. The issue is Discover 's unfair, abusive and deceptive marketing and credit practices, all of which are not addressed in XXXX XXXX. 's response, other than to grossly misuse my personal and confidential data.
Product: Debt collection

I have a collection company that placed XXXX items on my credit report for collections. I made a request on XX/XX/23 through XXXX XXXX with XXXX for verification as the debts are unknown. I do not see how it's possible for a legitimate verification of debt within XXXX hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

We refinanced our primary mortgage with XXXX XXXX in XXXX, received a cash out and paid off our existing second mortgage with XXXX XXXX XXXX. We now only have one mortgage account with XXXX XXXX. All the financial information for the transaction was sent the XXXX, XXXX and Trans Union. During my recent XXXX annual credit report check, I found that everything at XXXX  and XXXX  was exactly correct. Trans Union still listed the closed second mortgage account at XXXX XXXX XXXX as open. When I called Trans Union about the error, I was told that they only report the information that they receive from the financial institutions. Considering that all three credit reporting agencies received the same information, Trans Union has no excuse to report the information incorrectly. This is not the first time that I have had trouble with incorrect credit report data from Trans Union and a difficult time getting it fixed. 
Any help would be appreciated. Thank you
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance {$590.00} XXXX XXXX Balance {$24000.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling and submitting disputes because I have paid off two accounts. XXXX  paid in Full on XX/XX/XXXX and got a letter as proof only because I requested one. I settled with XXXX XXXX which was charged off but I agreed and paid the settlement amount on XX/XX/XXXX. Both companies have not updated my credit file. It has been more than two months. Please advice me and help me with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXXXXXX XXXX XXXXXXXX XXXX and account XXXX XXXX, has violated my rights.. 

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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The XXXX Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
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 XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX