23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX as the lender never sent me any billing statement, nor payment alert, nor payment book, nor notice if there's any overdue. Yet they report I had 1 late payment for no more than 2 weeks.

How can they expect customers to pay when they don't send customers billing statements? 

I still don't know my loan number, I have not seen my billing statement, and I have not seen the due date at all. 

It is not right for XXXX to file such claim to damage my credit, given I had 28 years of excellent credit history with no late or missed payment and my credit score was XXXX. Now it dropped to XXXX because of XXXX XXXX false claim. 

In addition, credit bureau does not inform me when they dropped my score drastically for a single late payment that was not even my fault. Credit bureau did not investigate at all, they merely report what lender says. But when the lender is a bad lender such as XXXX, then consumers like me are not protected. We are being bullied by big businesses such as XXXX and credit bureaus.
Product: Checking or savings account

I recently faced an emergency in which I take responsibility of making one transaction that overdrafted my checking account. In the days following, there were other ACH attempts on my account that were then tried multiple times which resulted in {$450.00} in fees being assessed to my account. I attempted to call the BOA customer service department and explain the situation and ask if there was any way the fees could be waived and the representative quickly advised me no. After requesting to speak to someone else, the representative then stated there was no one else to talk to and gave me an address to write a letter to if I had additional complaints.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX  ), 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, Experian, Equifax 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 Accounts : XXXX Account # XXXX date opened XX/XX/XXXX al. {$0.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX XXXX XXXXXXXX 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 # ( XXXX ) 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.
Product: Mortgage

On or about XXXX I was no longer able to pay my second mortgage due to a loss of income ( father in-law who was on the mortgage passed away then wife became unemployed ) with me becoming delinquent on the first soon after from back to back hardships. 

The lender of the second mortgage refused to work with me in any way, shape or form such as a loan modification, deferring payments, lowering the interest rate from 7 % to something more modest, etc. 

During XXXX the lender, NATIONSTAR, charged off the full amount of {$71000.00} and issued me an IRS tax form XXXX " cancellation of debt '' for the XXXX tax year. 

When reviewing the form I noticed that box # XXXX which explains the reason and or type of cancellation was not filled in. I contacted NATIONSTAR asking for a completely filled in XXXX along with a notice of wether or not the lien was released so I may forward it to the first mortgage company in an effort to save the home. 

I was told by Nation Star that although the debt was charged off and they received the tax benefit of it and that I had to file it with my taxes where it could have been considered earned income, except for the law that was in place at the time, the debt is still valid and owed by me and they maintain a lien against the property still. 

Can this be legal and if not who can help me resolve this?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a 609 letter to Equifax asking them to respond to my letter and provide information on the accounts that are on my report inaccurate and incorrect. My credit report by the law is supposed to be 100 % accurate and verifiable and it is not. 

They have failed to answer me within the 30-day window.
Product: Credit card

I received an email from Capital One on XX/XX/2023 informing me that my account was closed. No reason no previous notice nothing. I had {$250.00} in rewards points that I was saving for a rainy day. When I called their customer service team, they thanked me for 11 years of loyalty but stated that they sent a letter to my old mailing address that I never received back in XXXX stating they would close my account if no activity in 3 months. I explained I moved during COVID and that I do all of my correspondence via email why would they mail out a letter of such importance. They didnt care, they didnt offer to reinstate my account and will not give me my {$250.00} in rewards. They are thieves! I spent hard earned money to earn those rewards and every correspondence is email except for this one! What a coincidence!
Product: Checking or savings account

Hello, Opened a new account and met all requirements to receive a promotional XXXX  account opening bonus. After meeting requirements, bonus had not been provided so filed a complaint with CFPB in which case the company provided a response on XXXX/XXXX/XXXX that all requirement were met and bonus would post no later than XXXX XXXX, XXXX ( see response from bank below in regards ). Waited until date specified and no bonus has yet to be posted. Bank has held onto my account funds for over 180 days interest-free without providing bonus and has continued to keep my account open falsifying bonus post date by an additional 60 days with their response via CFPB. 

The following below is the bank 's response to my CFPB complaint filed over 60 days ago : Company 's Response on XXXX/XXXX/XXXX ( CFPB reference # XXXX ) Steps Taken : After review of the account it was found that the client did qualify for the XXXX  cash bonus, however the timeframe to allow the credit to post has not been reached. Resolution : XXXX XXXX, please accept my sincere apology for the inconvenience you described surrounding your attempt to participate in a new account promotion to potentially earn a cash bonus of XXXX Our goal is to ensure that all of our clients are provided with the highest level of service and we regret that you found cause for dissatisfaction under any circumstance. I assure you that our marketing strategies are certainly not intended to mislead you, or any potential client. Citibank, like other banks, periodically offers promotional bonuses to deposit account applicants to attract new banking clients. In order to conduct our promotions in a manner consistent with sound business practices, we may customize offers by direct mail campaign initiatives to select individuals, in addition to the requirement of the standard terms and conditions that Citibank discloses for its promotions. In our review, we found that you did meet the requirements of the offer in question, promotional code XXXX. Pursuant to the terms and conditions of the offer, the credit will be placed into your account within 90 days after the required transactions were completed. Our records indicate the last required transaction was completed on XXXX XXXX, XXXX. Therefore, the XXXX} credit will post to your account no later than XXXX XXXX, XXXX.
Product: Student loan

They offered me a payment program on Monday where I would have 3 months of reduced payments and reduced interest I needed to call back with a debit card. When I called back they said they couldnt do it and instead made my only option to use my remaining forebearance to get up to date. 

This constitutes falsely stealing me to use my forebearance instead of offering me a reduced payment plan.
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 XXXX XXXX XXXX. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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

Capitol one placed a missed payment on my credit card account. They said I missed a payment and made my account delinquent because I missed a payment on XXXX!!!! And today is XXXX 2020! On XXXX I applied for a Walmart capital one credit card for XXXX. I received a notice on XXXX telling me I was declined because I have a delinquent strike on me from the recent missed payment of XXXX! And once again I applied for the card in XXXX. This is absolutely ridiculous! I am asking for help please to make this right! I have my payments on auto payment. And have never missed a payment in my history. I was very embarrassed. I feel it is the same reason I was turned down for a XXXX XXXX card I applied for in person at the store counter 2 weeks ago. I dont know how long the delinquent charge has been showing. All I know is it is there.
Product: Debt collection

So heres the situation. XXXX The apartment complex I stayed in, XXXX XXXX, had an energy problem that was running my light and water bill over {$500.00} a month. My water bill was included in my rent ( {$800.00} at the time with water like {$850.00} XXXX ), so my rent was coming out to over {$1400.00} a month. I complained to management consistently and nothing was done. I maybe paid that rent a good 3 or 4 more times than I got in contact with the XXXX. After contact, the leasing office credited me 3 months rent free and took the light bill out of my name until they fixed the problem. He also told me to continue to pay my I had XXXX  XXXX to perform an energy audit and they discovered that the water heater was running 24 hours none stop and also found a nail jammed inside the AC unit and said it wouldnt work without the nail which also made my air conditioner to run none stop as well. I have documents to prove this claim. So while the light bill is in their name, it took them maybe over a year to fixed the problem so it accumulated to over {$16000.00}. Now every other month management changed so I have to explain the situation over and over to new people up until I received a letter stating if I leave by XX/XX/XXXX they wont apply the amount to my credit report. Now at that point I was ready to leave any way because I didnt want to have to keep fighting so I left as they insisted. Next couple of months after I was hit with a collection {$16000.00} from XXXX XXXX XXXX.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX/XXXX/XXXX Transunion Consumer Relations XXXX XXXX XXXX XXXX, XXXX XXXX File # XXXX SSN # XXXX RE : Reappearing Removed item XXXX XXXX Account # XXXX Past due 30 days XX/XX/XXXX has been removed since XX/XX/XXXX ( Credit Report attached ) and XX/XX/XXXX again reappearing as a adverse account. ( Credit Report attached ) Please be good enough to removed that item as soon as possible Thanks XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, have come under extreme scrutiny for the false representation of a XXXX  account # XXXX. Not only were my rights to privacy breached these consumer credit reporting agencies Equifax and XXXX exploited my character and have furnished incorrect and inaccurate information on my consumer credit reports. Not only that, I will attach proof that the account under the creditor XXXX has not been validated as stated in the response from the company themselves! I have been disputing this account since last year and it has come to my conclusion that these companies think they are just above the law in which I need to just take them to federal court and file a lawsuit. Please see the attached documentation pertaining up to this point before we are onto the next step in federal court.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX  XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation XXXX Debt. XXXX, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of XXXX XXXX ss XXXX Returns Relating to XXXX Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  : account XXXX XXXX XXXX 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX is the company that is reporting this to Experian and XXXX. As well as XXXX XXXX is also reporting falsely. They removed it on XXXX but they were not able to remove it on EXPERIAN and XXXX. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 


However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX I submitted an account dispute about XXXX XXXX beginning with XXXX with Experian. Report number XXXX. My dispute was about the payment history not matching the actual account by 5 months. Instead of seeking out the current payment history from the lender, the account was deleted from my report. I find this to be highly unprofessional, and uncalled for.
Product: Student loan

Back in XXXX of 2022 I submitted a Borrower Defense to Repayment claim against XXXX XXXX XXXX. On XX/XX/XXXX of XXXX  I received a letter from the Department of Education stating that my loans would be automatically discharged and no further action would be needed on my part. For the past XXXX years I have been contacting my loan Servicer previously Great Lakes and now Nelnet and they have not been able to provide me ANY information on my student loans regarding my discharge even after informing them of the approved discharge letter from the Departmet of Education. Nelnet continually advises me to contact the Borrower Defense hotline as well as the Department of Education. After calling both the XXXX and Borrower Defense Hotline they advised me to contact my loan Servicer as they also had no information. This is UNACCEPTABLE, passing the responsibility to others and waiting more than XXXX years for an answer which should be simple. I need to get this resolved as soon as possible! My next course of action will be to contact my local News Media to investigate this further and hopefully pressure Nelnet or the Department of Education for answers.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7900.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Mortgage

Specialized Loan Servicing contacted me concerning owing on account number XXXX on XXXX of XXXX. The original mortgage of the property at XXXX XXXX XXXX XXXX XXXX, FL XXXX was purchased in XXXX finance form XXXXXXXX XXXX and the mortgage was split in two, one, a 30 year mortgage for 85 % of the property price ; and the other an equity line for the remaining 15 % of the purchased price. In XXXX because of the great recession the property when into foreclosure, after five years in foreclosure, the property mortgage was modified. At this time I ask foreclosure lawyer what was to happen with equity line or second mortgage. I was told not to worry about it any longer. Since the original property purchased date in XXXX to XXXX there was no letter, email, phone calls, or any other type of communication, nor any bill on second mortgage. I and my son, XXXX XXXX, were listed on the property as owners. I decided to sell the property in XX/XX/XXXX, a month after the property was put on the market a letter arrived from Specialized Loan Servicing asking for full payment of second mortgage plus late fees and interest. I was not even aware the second mortgage still existed or the it was sold to Specialized Loan Servicing. They requested a payment of {$120000.00}. I received an offer on the property in early XX/XX/XXXX XXXX weeks after receiving the letter from Specialized Lon Servicing, I tried contacting the Loan provider but they wouldn't discuss anything with me, and hung up the phone. Since we were closing soon, amount was paid at closing but I truly feel there is a gray area of error with this Bank/Loan servicing entity. They were very hush, hush and I feel abused by the system. I like a deep investigation ... and will not settle with the institution side of the story, I need facts and documents to be shown ... Banks and other financial institutions have every mean to hide the truth. Thank you
Product: Credit card or prepaid card

BOA was notified that my card was taken by someone I know and it was used fraudulently. A fraud dispute was created. They said because the card was physically used and they used the pin or signed for it, it stays on my account. I have given them a police report and the name of the person who committed the fraud, and they still refuse to resolve it. This was fraud and I have proof. The person admitted it in writing and admitted they did it. And BOA will not even take the info, they keep closing it without talking to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report from, I have noticed that the report show fraudulent credit inquiries that I did not authorize. XXXX CARD SERVICES Inquiry : XXXX XXXX, XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, and XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Please investigate and remove these fraudulent inquiries as quickly as possible. If you come across any evidence that counters my claim, please send me a copy. 

Thank you for your diligence in looking into this issue.