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

Subject : Second Request for Credit Information Correction - Non-Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to follow up on my previous letter dated XX/XX/2025, in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on myXXXX XXXX XXXX - XXXX - This account is reporting incorrectly.To date, I have not received confirmation of the correction nor observed any changes in my credit report. 


As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.
Product: Mortgage

I applied for forebearance with New Rez ( newrez.com ) and was approved. However, I received letters telling me ( felt more like intimidation and threats ) that it would be reported on my credit and negatively affect my credit score. Furthermore that I would be expected to pay it all in a lump sum. They did not offer me options. If I understand correctly your credit score is not supposed to be affected They told me my VA loan was backed up by a private investor and I did not have the same rights under the Federal Cares ACT to qualify with my loan. I knew that this information was incorrect and these were bullying tactics to cause stress and fear. I am no longer seeking Forebearance. However, I want to hold this company accountable and prevent them from doing this to other consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX Inquiry : XX/XX/XXXX XXXX Inquiry :XX/XX/XXXX XXXX Balance {$29000.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$73000.00} XXXX XXXX  Balance {$20000.00} XXXX XXXX Balance {$16000.00} XXXX XXXX XXXX  Balance Equifax : XXXX Balance {$29000.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$73000.00} XXXX XXXX Balance {$20000.00} XXXX XXXX Balance {$16000.00} Individual : Bankruptcy XXXX Amount - Individual : Bankruptcy XXXX Amount Individual : Bankruptcy XXXX Amount Individual : Bankruptcy XXXX Amount
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Also Known As : 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 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 XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My CD account # XXXX of Synchrony Bank was XX/XX/2020 Maturity Date, XX/XX/2020 I call bank to want close CD and transfer money to my XXXX  XXXX XXXX XXXX # XXXX that register in Synchrony Bank website ( please see attached files XXXX & XXXX XXXX. The bank representative Miss XXXX sent a Code by telephone and ask some security questions for verify, but final she said she cant do it now after ask the manager. I ask her I transfer money from XXXX  XXXX  XXXX account when open CD, why cant return back money now. She said she will send me a security Code by overnight letter for verify that can close account and transfer money to me. I ask send a Bank Cashier check easy. She cant do it. 

Yesterday I wrote email to Synchrony Bank customer service ( please see attached files : SynchronyBankMessage ), no reply. Also didnt receive overnight ( Code ) letter today. I am very unsatisfied that why open CD easy and close CD difficult. 
Thanks, XXXX XXXX Phone : XXXX Email : XXXX Synchrony Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Utah XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX
Product: Student loan

Sofi denied loan # XXXX due to " Does not offer credit on the terms requested '' They stated that they are not able to refinance student loans when the borrower is " in school '' however nowhere on their guidelines, terms, website, or FAQ does it have this listed at all, otherwise I would not have bothered to apply. In addition to this, no other reasoning for the denial was provided, and the funny thing is that they allowed me to refinance earlier this year, for the exact same loan, while I am " still in school ''. According to them, this is " an oversight '', however to me, it seems like discriminatory or false lending terms under the pretense of promising a lower rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent XXXX, Equifax and XXXX XXXX certified letters concerning XXXX XXXX XXXXXXXX credit card XXXX XXXX XXXX Credit card, and XXXXXXXX XXXX credit card, and they refuse to delete accounts from my credit reports I am the victim of identity theft these cards DO NOT BELONG TO ME!!! and under the FCRA they must delete especially!!!! Equifax!! I want you to investigate them they are reporting fraud on my credit report I want them Stopped!!!!! I need you to send all tree credit agencies letters ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXXXXXX 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: Bank account or service

I opened a checking account with HSBC about 2 weeks ago and I changed my direct deposit to the new account. Yesterday ( XXXX/XXXX/2016 ), I found out by logging to my account online that my checking was slated to be closed without any knowledge from my end. I contacted the bank and they are unable to explain to me why my checking account was closed without any notification. My paycheck is supposed to be deposited to the account today ( XXXX/XXXX/2016 ) and I ca n't access it because the bank closed my account without grounds. I demanded the bank to reopen my account and an explanation but they ca n't tell me why it happened. Now I ca n't access my money for another 2 weeks until payroll fixes my direct deposit to a different bank and I will be behind on my credit card payments. I have attached a copy of my paystub which shows the banks routing number and the pay date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to Non-compliance with the Credit bureau XXXX, the account ( AD ASTRA RECOVERY SERVICE ) they have failed to REMOVE this account that wasnt validated and still are reporting inaccurate information ( TERMS, ACCOUNT STATUS, PAYMENT STATUS, PAYMENT HISTORY DETAILS, BALANCE, PAST DUE AMOUNT, ORIGINAL AMOUNT, COMPANY SOLD TO ) This account was requested to re-investigating the accuracy and also to fully validation this account due that they supposedly the own the account, so that Means that they can provide all the documents I requested and send me a copy of all the validation. 
I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the LAW
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday, XXXX XXXX 2017, I visited equifaxsecurity2017.com to discern if I was affected by the recent information breach. The website confirmed that my information has been compromised and directed me to return at a later date to enroll in their Id protection. Equifax has mishandled my sensitive personal information and exposed my family and myself to identity theft.
Product: Credit reporting or other personal consumer reports

In accordance with the fare Credit Reporting Act. The list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # 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 containing any of the following items of information any other adverse items of information, other than records of convictions which antedates the report by more then seven years.

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

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Product: Mortgage

I called PENNYMAC THE FIRST MONTH WE WEREN'T ABLE TO PAY THE MORTGAGE ( XX/XX/XXXX ). Its now ( XX/XX/XXXX ) and still nothing is resolved! I have called PennyMac at least XXXX time trying to resolve this situation. I have never been able to reach point of contact and every letter I get has a different point of contact. Then, I was asked to fill out a Loan Modification packet and I did within a week and submitted. Penny Mac came back with Payment Agreement we couldn't afford. 
XXXX - {$3100.00} XXXX- {$3100.00} XXXX- {$2600.00} XXXX mortgage payment is normally XXXX. This was an impossible amount for us to pay. 

I then called several times trying to explain we couldn't afford the payment and could they ( PennyMac ) how they arrived at that payment seeing our bills and income. But I always got the runaround and no answers. Several calls later I got to the Loam Modification department after arguing with the representative for XXXX minutes. The loan modification got another department on the phone thinking he could explain the situation and get the modification done. She corrected him and said, absolutely not. He then asked me to right a letter explaining I couldn't afford the repayment agreement. Several weeks later the repayment agreement was removed from my online account. 

A couple week later I still didn't hear anything and starting searching for other options. I found a HUD Approved Counselor. We called PennyMac to find what was the next step in the Loss Migration. There was a lot of back and fourth but not real answers. Two days later I received certified mail asking to contact PennyMac to arrange a payment plan or sell.

1 ) Repayment Agreement/ Couldn't Afford.

2 ) Special Forbearance Agreement 3 ) Loan Modification Plan 4 ) Pre-Foreclosure or Short Sale 5 ) Deed in lieu of Foreclosure My HUD Approved counselor ( XXXX XXXX XXXX suggested I fill out another packet. So, XXXX days later I did. Now were XXXX weeks into this process and still no answers. My HUD Approved Counselor suggest that I fill out a complaint.

Now we have received a letter titled Notice of Default and intent to Accelerate. The letter is requesting {$5300.00} to be paid by ( XX/XX/XXXX ) OR THE SITUATION XXXX BE ACCELERATED. Then, The next paragraph talks about ( Consumer Assistance programs ). I've been trying to get assistance for 4 months now.

A couple other questions : 1 ) PennyMac is negatively affecting my credit by taking as long as they possibly can to resolve this issue.

2 ) Why is someone coming to my house questioning my children and then taking a photo of one of them to prove they stopped by my house. Sent current water bill as requested to prove we are still living here.

3 ) My HUD Approved Counselor expressed concerns with PennyMac 's ethics and following Loss Migration Laws!
Product: Debt collection

I am formally disputing the inaccurate information regarding a collection account on my credit report. The account in question is listed under the collection agency **Wakefield & Associates Inc.** XXXX with the original creditor being XXXX XXXX XXXX XXXX. The account number is partially listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to the **Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. I am requesting an investigation into this account and its removal from my credit report for the following reasons : 1. **Inaccurate Reporting Date** : The date reported for this collection account is listed as XX/XX/XXXX, which is a future date and therefore inaccurate. 
2. **Verification of Debt** : Under the **Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( 15 U.S.C. 1692g ), I have the right to request validation of the debt. I have not received any validation or verification of this debt from Wakefield & Associates Inc. 
XXXX. **Statute of Limitations** : The date of first delinquency is listed as XX/XX/XXXX. Depending on the statute of limitations for debt collection in my state, this debt may no longer be legally collectible. 
4. **Medical Information** : According to the **Fair Credit Reporting Act ( FCRA ), Section 604 ( 15 U.S.C. 1681c ), consumer reporting agencies are prohibited from including medical information in consumer reports unless it is directly related to a credit transaction. The inclusion of medical debt on my credit report may be in violation of this provision. 
5. **Code of Federal Regulations ( CFR ) ** : Under **CFR Title 12, Part 202, Section 202.7 ( d ) **, financial institutions are prohibited from reporting medical debt to credit bureaus without first attempting to resolve the debt with the patient. 
XXXX. **Multiple Inaccuracies** : The information provided in the image of my credit report includes multiple inaccuracies, including the following : - **Date Reported** : XX/XX/XXXX, a future date. 
- XXXX*Status Date** : XX/XX/XXXX, a future date. 
- **Balance Date** : XX/XX/XXXX, a future date. 
- **Creditor Classification** : Medical or health care, which is not supposed to be included unless directly related to a credit transaction. 

Please conduct a thorough investigation and provide me with written confirmation of your findings. If the information can not be verified, I request that the collection account be removed from my credit report immediately. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on XXXX and capital one popped up as card recommended for me, in no shape way or form did I give them permission to run a hard inquiry on my credit. I did n't even apply for the company. I emailed and called and wo n't respond. 


Creditor Contact Details CAPITAL ONE BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
Product: Debt collection

XX/XX/ 2024, I received a collection notice for an unpaid medical bill for a procedure that took place in XXXX. The invoice was submitted through my FSA account ( XXXX ) and a check was mailed to the provider on XX/XX/2024. In XXXX I received a statement from the provider stating the invoice was outstanding. I immediately accessed the XXXX site, printed the page that outlined the invoice payment details and the date the check was mailed as evidence that payment had been made. I received no further communication from the provider and in XXXX I receive the notice of collection. XX/XX/XXXX, I immediately contacted my FSA provider who confirmed a check had been issued, but they would open a case to investigate. XX/XX/XXXX, I followed up with XXXX on their investigation of payment having been made. I was informed the check had been returned and the money credited back to my FSA account on XX/XX/ 2024 because the provider returned the check stating they could not reconcile the payment and invoice to their records. I confirmed the name, address and invoice number with XXXX and all was accurate. However, why was I not provided the courtesy of a phone call or letter from the medical provider alerting me to this outstanding issue, after I sent them the evidence I summitted from XXXX. Instead, my account is placed with a collection agency. This has now been paid, but is this truly the practice and a reason of why so many innocent individuals are falsely placed in collection for unpaid medical invoices??
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, EXPERIAN HAS FAILED TO REMOVE ALL THE NEGATIVE ACCOUNTS FROM MY CREDIT REPORT. ALL BUREAUS HAS CAUSED ME SERVERE DAMAGE TO MY REPORT BY REPORTING NEGATIVE ACCOUNTS DUE TO UNAUTHORIZED CHARGES.ALL XXXX BUREAUS CONTINUED TO REPORTING THE NEGATIVE ACCOUNTS, ANDTHIS INACCURTE INFORMATION DESPITE DISPUTING WITH THIS BURESU NUMEROUS TIMES. I WILL SEAK LEDAL ACTION DUE TO THE DISSTRESS OF THE INACCURATE INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first noticed in XXXX  that Equifax was reporting late payments on an account that i paid off fully in XXXX. I purchased in FULL my car that was being leased from XXXX in XXXX. Never missed any payments, but Equifax started reporting me as being late on an account that was closed out. I sent them a letter and they ignored the late payments. I sent XXXX a letter and they said they would tell Equifax this was a mistake. However they are still reporting me as being late today. How is this possible? It is really causing me to lose out obtaining credit and good interest rates. How can they knowingly keep making this mistake? There is no way my credit score should be hurting because Equifax is refusing to do their job. I am the victim here ..... Please help
Product: Student loan

I am requesting the removal of negative reports for my student loan accounts due to personal family issues. Attached is the letter that I would like to send to FedLoan to have the negative reports removed.
Product: Mortgage

Hello CFPB, I hope there is help on CFPB end to the continuing issue I XXXX XXXX, a Licenses Real Estate Agent for over 18-years, am having with the issues listed below : From Number XXXX XXXX ) There is NO language in the DOT or the Master HOA Covenants stating Insurance H06 is a requirement of the Borrower Therefore, this is not a Lender requirement period. Both XXXX XXXX  and XXXX XXXX after reviewing the HOA Covenants agreed that NO H06 Insurance is required. Both two reputable Lending Companies. They did not miss anything it wasnt there. There were discussions about this during the underwriting phases in both cases. 
2 ) PHH Mortgage has violated the Truth and Lending Laws after purchasing a mortgage from XXXX XXXX Closing Lender, and attempting to change the Lending requirement, of which, PHH acted on their own without proof this H06 Insurance policy is a lending requirement. 
3 ) PHH Mortgage has violated sections of RESPA by force placing a H06 Insurance policy by their Insurance company providing them a fee or annual insurance premium of {$460.00} that is not required by the Borrower because the Master HOA Covenants states in Article XI INSURANCE AND CONDEMNATION 1. ( a ) state the unit condos are 100 % covered through the HOA monthly dues and fees etc. 
4 ) Borrower after many attempts with PHH Mortgage to give PHH a better understanding of the HOA condo regime insurance policy, but they refused to cooperate and to this day still does so. This led to the Law Suit. 
5 ) Borrower also submitted a claim with the CFPB Consumer Financial Protection Bureau Complaint Number XXXX due to the fact PHH Mortgage has delayed making the appropriate changes back to the original agreed Mortgage Note from XXXX XXXX. Borrower is going to Re-open the claim or a new claim against PHH Mortgage with CFPB whereas the Borrower is praying for Penalties and Fines against PHH Mortgage within the next 24 to 48hrs. 
6 ) Borrower is seeking a minimum of {$50000.00} if this issue is not resolved in an educated business like and/or professional manor with one week of this notice.
Product: Debt collection

MRCI has reported a alleged debt to the three credit bureaus. I have sent a letter for validation of this alleged debt and have not received a response. MRCI is in violation of the Fair Debt Reporting Laws and Fair Debt Collections Laws.
Product: Debt collection

On XXXX 2015 i filed a complaint about wakefield & associate who claimed that i owe XXXX XXXX their response was that they will contact XXXX credit bureau to removed them. after those debt was removed from my credit report, on XXXX 2015 they reinserted again those debts. I am filing this complaint to get this debt to be immediately removed from my credit report