23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for home equity loan for home improvement from XXXX. Financial even though I am qualified they rejected my application since the first time I applied I was approved so it's not clear why the second time they disapproved me?
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have filed several disputes and made several phone calls to Equifax and XXXX Now about an account that is still reporting on my Equifax report and should not because it was discharged in my chapter XXXX bankruptcy as of XX/XX/2019. I spoke with XXXX Now several times, latest time today and have just gotten transferred around from agent to agent with no resolve, ultimately ending in not speaking to the correct department / person about the matter. I have spoken with them prior to today and they've advised that they have reported the bankruptcy to the XXXX bureaus. Today, I also spoke with Equifax again for the 3 or 4th time regarding this account and they advised that they have not received any notice from XXXX Now to update this account. I have checked the other 2 major bureaus XXXX and XXXX and they have both updated this account accordingly. As a result of this issue, I was denied a car loan today by my credit union. At this point I really need you to help me get this rectified because between the two of these companies, I'm getting no resolve. The representative at Equifax actually told me I didn't have any common sense today. I am very displeased and stressed about this. I really need a car to get back and forth to work. The one i have now is barely hanging on mechanically. This could end up costing me my job. Please help me. The account information is listed below : XXXX Now {$1700.00} XXXX on my equifax report. 
The very same account was properly addressed on my XXXX and XXXX reports.
Product: Debt collection

Checked my credit report and I have the following : SEQUIUM ASSET SOLUTIONS Amount Due : {$970.00} Collector : XXXX XXXX I have never resided in no other state, accept, TN. I have always had XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I have been struggling with my mortgage company which XXXX is the  servicing company and Lakeview is my lender. They gave me hard time to short sale my house with them. As my agent had reported and got the offer to them. They took over 4-8 week to processing each single pieces of information they requested. They also keep changing mind on the offer. The property is never changed pending from XXXX XXXX XXXX ( XXXX ) as I instructed the agent not to do so. However, they never consider anything for my sale and pushing me to foreclose the house. Their information is not corrected at all as I have told them. They never want to help and just want to foreclose my house without any help
Product: Student loan

In XX/XX/1997, I graduated with my student loan debt being XXXX. I recall correctly, I consolidated from both my community college and XXXX year college to accumulate that amount. At the time, the interest rates were near XXXX %. I was never able to re-consolidate again to lower the rate, I was told. I paid it faithfully. Then, I married and started a family, in which I ended up staying home to raise. I chose that because I was a XXXX school teacher and did not get paid enough to afford day care. My husband was in a union apprenticeship that happen to come with some really bad times. In turn, I had to defer my loan numerous years because we could not afford to pay it. We, at times, were on state assistance too. Because of the deferment, now the loan has gotten so high that I can not afford to even pay the interest. I do not know how to handle this. I am back to work, but only make XXXX a year as a XXXX school teacher, and my loan has accurred so much interest that I can not even afford to pay it. It 's very upsetting to me that when you file an financial hardship, the interest still accures, how does that help. I have accured more interest than the amount of the loan. Something has to be done with student loans in this country. It 's not like I just ignored the payments. I contact Great Lakes, for help and they just consistently told me to defer it because of my financial situation. Now, look where it 's gotten me! I am so irritated. XXXX years later, no help from Great Lakes when I needed it and now a loan almost 3 times the amount I borrowed. I have no idea how to handle this.
Product: Credit reporting or other personal consumer reports

For over nine months, I have been contending with unresolved inaccuracies on my credit report, which directly contravene several key provisions of the Fair Credit Reporting Act ( FCRA ). Despite repeated attempts to correct these errors through established dispute processes with the credit bureaus and direct appeals to the involved financial institutions, my efforts have yielded no substantive resolution, reflecting a blatant disregard for the legal mandates designed to protect consumers. 

Detailed Complaints and FCRA Violations : Unauthorized Accounts and Charge-Offs : Accounts in Question : XXXX XXXX  ( Account # XXXX ), XXXX XXXX XXXX XXXX Account XXXX XXXX ). 
FCRA Violation : Section 623 ( a ) ( 1 ) ( A ) requires furnishers to report accurate information. The continued reporting of these accounts, despite disputes, violates this section. 
Incorrectly Reported Student Loans : Accounts in Question : XXXX ( Account # XXXX and # XXXX ). 
FCRA Violation : Section 609 ( a ) grants consumers the right to obtain their credit report, emphasizing the need for accuracy, which has been overlooked in my case. 
Unauthorized Credit Inquiries : Inquiries by : XXXX XXXX and XXXX XXXX. 
FCRA Violation : Section 604 stipulates that credit reporting agencies may only furnish reports for specific permissible purposes, a provision breached by these unauthorized inquiries. 
Failure to Conduct Proper Investigations : FCRA Reference : Section 611 ( 15 U.S.C. 1681i ) mandates that credit reporting agencies conduct a reasonable investigation upon receiving a dispute. The lack of thorough investigation into my disputes reflects non-compliance with this requirement. 
Impact and Legal Implications : The persistence of these inaccuracies and the failure to address them adequately have not only adversely impacted my credit score but also restricted my access to credit, employment opportunities, and favorable loan terms, causing undue financial and emotional distress. The situation underscores a systemic failure to adhere to the FCRA 's provisions designed to ensure accuracy, fairness, and privacy in credit reporting. 

Demand for Immediate and Comprehensive Resolution : Given the clear violations of FCRA 623 ( a ) ( 1 ) ( A ), 609 ( a ), 604, and 611, I demand immediate action to remove the inaccuracies and unauthorized items from my credit report and a full, independent investigation into these matters. The failure of the credit bureaus and financial institutions involved to resolve these issues adequately necessitates my preparedness to pursue all legal avenues, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal representation to consider further actions. 

I expect a detailed response from the companies involved, outlining the steps they will take to rectify these FCRA violations and restore my credit report 's accuracy. The continuation of this dispute resolution inertia will only intensify my resolve to seek justice and ensure compliance with federal consumer protection laws.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX  Account XXXX Account Name : XXXXXXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 or other personal consumer reports

Im sending to you to follow up that I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an id theft report. Please find the required documents to assist in the removing the erroneous inforitems ation which are being posted in my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.Please correct the account, or inaccurate information, from my file immediately XXXX XXXX
Product: Debt collection

A few years I saw that I had a collection open with XXXX about a debt but I 've never had XXXX so I disputed the debt with the credit bureau and it was taken off my credit report. A few days ago I once again saw that I had a collection in my credit report by Credit management for XXXX for {$1000.00}, I 've talked to XXXX about this and stated that I 've never had an account with them. I do not understand why I 'm still dealing with a debt I 've never had.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concerns regarding the persistent issue of my locked online access to my credit report, dispute process, and review of my credit profile. Despite verifying my identity multiple times and speaking with your representatives on three separate occasions, I have been consistently denied access to these crucial services without any clear explanation or reasoning provided. 

This situation is not only frustrating but also raises significant concerns regarding fairness and compliance with consumer protection laws. As an American citizen, I should be afforded the same rights and access to my credit information as the rest of the population. The inability to access my credit report online hinders my ability to monitor my credit status, dispute inaccuracies, and protect myself against potential identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to access their credit reports, dispute inaccurate information, and expect a timely resolution to such disputes. By denying me access to these services without providing a valid explanation, TransUnion may be in violation of FCRA provisions, particularly those related to consumer rights to access and dispute their credit information.

Furthermore, the Equal Credit Opportunity Act ( ECOA ) mandates that consumers must not be discriminated against in any aspect of their credit transactions. The unexplained denial of my online access raises concerns about potential non-compliance with ECOA, as it appears I am being treated unfairly compared to other consumers.

I kindly request that TransUnion promptly unlock my online access to my credit report and dispute process. Additionally, I urge you to provide a detailed explanation for the initial denial of access and ensure that such issues are prevented in the future. 

Your immediate attention to this matter is appreciated, as it significantly impacts my ability to manage and protect my financial health.
Product: Debt collection

I believe XXXX XXXX mandates the removal of any inaccurate accounts from my credit report. Could you please review the documents? Several of the listed accounts are incorrect, and it's causing me discomfort.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


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


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


EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


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


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


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

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

Approximately 4 weeks ago I realized some erroneous/ derogatory information was being reflected on my credit reports. I first called to try to resolve and make sure no further charges occurred as I believe that I am a victim of identity theft. I then submitted disputes with XXXX, XXXX and XXXX. I could really use some help trying to sort this out and want accuracy. This is negatively affecting me and my credit. These accounts do not belong to me and I never opened or applied for credit with these companies/ banks. Was it done in-store or online? Is there a photo id or signature verification? What City and State did this fraud happen in? Is there PROOF that these accounts/ debts belong to me? I had a primary residence for 15 years ( XXXX to XXXX ) ; then lived at a friend 's house for XXXX XXXX ; and have been at my current address since XXXX ( XXXX XXXX ). This can be substantiated with change of address status thru USPS as well as filed tax returns. I never benefited or received any merchandise, products, or items including lines of credit, loans, or finances since I did not shop, order or conduct business with these companies/ banks. Those falsely reporting against me are : XXXX XXXX XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX **Subject : ** Formal Complaint Against XXXX XXXX XXXX for Inaccurate Credit Reporting Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint against XXXX  XXXX XXXX for ongoing and inaccurate reporting of a closed account on my credit report. Despite this account being closed, XXXX XXXX continues to report balance updates, which is both misleading and in violation of the **Fair Credit Reporting Act ( FCRA ) **. These inaccuracies are negatively affecting my credit standing and causing significant distress. 

**Details of the Issue : ** - The account in question ( Account Number : XXXX ) has been closed ; however, XXXX  XXXX XXXX continues to update the balance as though the account is active. This is inaccurate and constitutes false reporting under the FCRA. 
- This repeated inaccuracy has been reported to credit bureaus ( XXXX, TransUnion, and XXXX ) but remains unresolved. 

The FCRA requires that all information reported to credit bureaus be accurate, complete, and up to date. XXXX XXXX  failure to correct this issue is a clear violation of my rights under federal law. As a result, I am requesting immediate action by the CFPB to address this matter. 

**Resolution Requested : ** 1. I demand that this account be **immediately removed** from all three credit reports ( XXXX, TransUnion, and XXXX ) due to its inaccurate and misleading reporting. 
XXXX. I request that XXXX XXXX XXXX cease all further reporting of this account and any related balance updates. 

Failure to resolve this issue promptly will result in my pursuit of legal action, including seeking damages for each inaccuracy related to this account, as permitted under the FCRA. 

**Supporting Documentation : ** Enclosed are the following documents to support my complaint : - A copy of my recent credit report showing the inaccurate reporting. 
- Documentation confirming the accounts closed status. 

I trust the CFPB will take immediate and appropriate action to ensure compliance with federal regulations and protect my rights as a consumer. Please confirm receipt of this complaint and provide me with a timeline for your investigation and resolution. 

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

Sincerely, XXXX XXXX XXXX XXXX **Enclosures : ** 1. Copy of Credit Report 2. Proof of Account Closure
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX XXXX to look at buying a new vehicle. I told sales person i only wanted my credit ran 1 time so i wouldn't have multiple hard inquiries on my credit report, now Im seeing at least 5 or 6 finance company on my report for the same day that my credit was ran at XXXX XXXX, that the only car lot I went to and only company I had run my credit. Can I have these hard inquiries removed?
Product: Debt collection

I recently checked my credit report and saw accounts reporting that i do not recognize.
Product: Checking or savings account

Every debt card I had PNC bank has been hacked and scammed. I file a claim with my bank about some fraudulent money coming out of my account. The bank returned the that was owed to me. Then a few days later the bank takes everything out of the account without an Explanation. I called the bank and no one knows why it happened