23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My son attended XXXX XXXX 10 years ago, my parent student loan was for approximately {$18000.00}. At that time, ( obtaining the loan ) I just filed bankruptcy and was skeptical about proceeding but was assured there would always be additional options in the future to assist me with if I was to struggle with the payment. I was struggling and I phoned XXXX XXXX and Navient to see if about the additional assistance to help me with repayment of this loan was, they said my only option was forbearance or interest only, each time I called. needless to say 10 years later my loan principle is now {$23.00}, XXXX. I used forbearance a couple of times but when the forbearance was over the payment was too much and I was only able to do interest payments. I feel as though I was taken advantage of and was misinformed of my options. When I first obtained this loan I just filed bankruptcy and was unsure if I would be able to handle the additional burden but I was assured XXXX XXXX would always have my best interest in mind and will work with me if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
o 15 U.S.C 1681 section 602 A : I have the right to privacy.

o 15 U.S.C 1681 section 602 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions o 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 the records of conviction of crimes which antedates the report by more than XXXX years o 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 card or prepaid card

I need to email you all the data concerning a charge I tried to get reversed. Original charge was XX/XX/2020 and the Vendor lied to be about the product. I will try to call your XXXX number tomorrow as today is a Sunday and I doubt that you are working today. 

I will be happy to email you all the documentation if you will let me know your email address.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see inaccurate accounts on my credit report. I regularly check it and it has never been an issue before. I tried refreshing my browser, thinking it was a glitch, but the errors remained. I can't believe this happened, and I am now requesting a thorough review of the documents I've sent to resolve this issue permanently.
Product: Credit reporting or other personal consumer reports

When I submit a dispute I never get the results and I never see any change in my credit.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$30.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$170.00} ; XXXX XXXX XXXX  Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex-husband has used my personal information multiple times to try and obtain credit. We went to court to make him stop. My name has not been XXXX XXXX since XXXX. He has been applying for credit using the name XXXX XXXX or XXXX XXXX. My name is XXXX XXXX. I can provide my social security card to show my name was changed back to XXXX in XXXX. I would like all of the hard inquires removed due to identity theft. I sent this information to all three credit bureaus and they have not removed the items after I sent in the proof and my driver 's license and social. Please assist in removing the following false inquires : XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not make these nor was I aware of these attempts for credit. I was in the hospital ( I can provide proof ) XX/XX/XXXX through XX/XX/XXXX for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times explaining the same situation over and over again. Someone has stolen my identity and is constantly attempting to open accounts using my personal information. I send several requests and calls only to be told that if the back office did not delete, I have to keep sending the same information over and over again. So, Equifax admits that they have the documents & someone dropped the ball, but I have to keep contacting them until someone feels like actually reviewing my information. Again, I have attached the requested documents & hopefully this is the last time I have to make this request for this fraud inquires to be deleted. After sending this request I received a response asking for my identification information which I included but still did not delete those fraud accounts. Please remove XXXX XXXX  XX/XX/2021 & XXXX XXXX XX/XX/2021 2021
Product: Mortgage

I spoke with my loan consultant at Better ( XXXX ) via phone to discuss my loan. We discussed the appraisal process and that the appraisal would be ordered and scheduled when I arranged that time with Better. I confirmed that the appraisal would NOT be completed prior to my scheduling the same as I was waiting on the inspection report and was also in the process of shopping for rates from other lender. I was assured that was not the case and XXXX encouraged me to continue shopping for lenders as Better would match any offers by other lenders. 
I received an email on XX/XX/XXXX that my appraisal was ordered. I confirmed that I did NOT want the appraisal completed and was assured it would not be completed until I scheduled the same. I received an email on XX/XX/XXXX that the appraisal was scheduled and on XX/XX/XXXX received an email that the appraisal was completed and would be sent to me. The appraisal was ordered without my permission when I EXPRESSLY prohibited the same until my consent was given. 
As a result of the appraisal being ordered without my permission and having received little to no communication regarding my loan from XXXX after multiple attempts for assistance through the application process, I decided to proceed with another lender. 
On XX/XX/2022, I sent an email to my loan consultant XXXX and a team leader XXXX requesting my appraisal to be transferred to another lender for closing. I did not receive a response to said emails. I received a call from another loan consultant who attempted to salvage the mortgage. After several conversations wherein we reached an impasse I confirmed via phone that the appraisal needed to be transferred and was assured the process would be completed as soon as possible. 
My new lender and I have sent multiple emails to Better attempting to request the appraisal be transferred. I close on XX/XX/22 and it is now XX/XX/22 with no completion of the process. I have been told Better is waiting on a " paid invoice '' before they will release the appraisal. There has been no contact with me directly outside of my numerous calls into Better wherein I am constantly told everyone is on a call or a meeting and I'll be responded to, but I do not receive a response. I was charged {$550.00} for the appraisal on XX/XX/XXXX. The amount has cleared and was given to Better for an appraisal that was not permitted to be ordered.
Product: Credit reporting or other personal consumer reports

Fraudulent account reporting to my credit report. Please remove it
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute the reporting of an account by XXXX XXXX XXXX ( account number : XXXX ) on my credit report.XXXX  has indicated that this account is scheduled for removal by XX/XX/XXXX, while XXXX shows a removal date of XX/XX/XXXX. This discrepancy suggests that XXXX XXXX XXXX XXXX be inaccurately extending the reporting timeline, which is inconsistent with Fair Credit Reporting Act ( FCRA ) guidelines. 

According to the information on file : Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Debt Buyer Status : Collection account, with {$800.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX XXXX XXXX XXXX has a known history of updating the date of last activity on accounts in collections, which artificially prolongs the account 's impact on consumers credit. The FCRA allows for negative items to be reported for up to 7 years from the date of first delinquency, which in this case should end in early XXXX at the latest. However, with XXXX and XXXX reporting inconsistent removal dates, it appears XXXX XXXX XXXX be inaccurately updating account activity to manipulate the reporting timeline. 

I respectfully request that XXXX, XXXX, and the other credit bureaus conduct a thorough investigation into this matter and enforce the accurate removal date. XXXX XXXX XXXX should be held to account for reporting practices that comply with the FCRA, ensuring my report reflects the correct removal timeframe.Overview Account Number XXXX INDIVIDUAL Months Reviewed Activity Designator Balance and Amounts Balance Available Credit Account Dates Date Opened Date of Last Activity Comments and Contact CONSUMER DISPUTES AFTER RESOLUTION For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Account Dates Date Opened Date of Last Activity Comments and Contact CONSUMER DISPUTES AFTER RESOLUTION For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the credit bureaus Equifax, XXXX, and XXXX to " investigate every piece of information '' on the accounts I have listed below and make sure accounts in every single piece on the accounts information is 100 % accurate and no mistakes. If there are any mistakes or inaccuracies please delete all accounts listed below. According to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, They stated my account were verified but how is that possible?, if they did not do a proper investigation according to the law of the FCRA. There was not a proper investigation done According to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Equifax, XXXX, and XXXX did not have personal interviews with neighbors, friends, Or associates, according to the FCRA a complete investigation was not done. Equifax, XXXX and XXXX has violated my rights several times my rights and the FCRA. The accounts listed below has inaccurate information. The account names below listed is inaccurate, The payment history listed below is inaccurate, The dates and times of accounts listed below is inaccurate, Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate, and if not it has to be removed and deleted. Equifax, XXXX, and XXXX has not did not do proper investigation and now XXXX, XXXX, and Equifax is in violation of FCRA Accounts : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax, XXXX, and XXXX has violated my rights several times Equifax, XXXX, and XXXX has XXXX the laws of The FCRA
Product: Checking or savings account

The app/company has made claims that were false or deceptive and as a customer I had no idea the app was illegal. Many transactions have been sent to this company who is constantly changing there name. Id like to dispute these charges as it pertains to illegal gambling operations that are not licensed in my jurisdiction, thus violating consumer protection laws. I request an immediate investigation and a full refund for this transaction. This is not an item not received case. Its scam app who has deceitful practices and illegal gambling operations. They have no casino license. They do no age verification. There not regulated by the state of Missouri. I saw a review on a casino review website that talked about people who were scammed by this very app/ company. I can not contact them. They are doing shady things. And I just want my funds back please. Deceitful company practices. App has been removed from the XXXX XXXX XXXX. I have spent a lot of money like a fool and I hope you guys can help me recover my funds. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request that Equifax update an inaccurate account on my credit report. An investigation was conducted into the inaccuracy of XXXX ( Acount:XXXX ). For some reason your company came back, on XXXX XXXX and reported that a paid closed account was 90 days late as of XX/XX/XXXX. How can an account that was paid in full as of XX/XX/XXXX be 90 days late as of XX/XX/XXXX? That is both negligent and impossible. This negligence has caused my credit score to drop dramatically, as it looks like I have a recent late when in fact I DO NOT. I contacted XXXX in order to conduct my own investigation. Attached, you will find a letter that clearly states that the account is closed and that ALL inaccurate delinquent reporting has been removed, and replaced with ALL on time payments. 

They also stated that they sent you and updated on XX/XX/XXXX. Please review the attached letter, and update this account. I will be monitoring this closely, as this should take no longer than 15 days to correct.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Re : Complaint Against Reporting Entity for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EXPERIAN Information Solutions , Inc. ( hereinafter referred to as " EXPERIAN '' ) regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ) and, specifically, their failure to adhere to the provisions outlined in Section 611 ( a ) ( 8 ) of the FCRA. This complaint is submitted to the Consumer Financial Protection Bureau ( CFPB ) for investigation and appropriate action. 

On XX/XX/XXXX, I, as a XXXX XXXX, sent a certified letter to On XX/XX/XXXX, I, as a XXXX XXXX, sent a certified letter to EXPERIAN requesting the validation of a collection account as per the provisions set forth in the FCRA. The collection account in question pertains to XXXX XXXX which alleges that I opened an account on XX/XX/XXXX, and currently maintains a balance of {$320.00}. The FCRA mandates that the credit bureau, in this case, EXPERIAN must ensure the accuracy and completeness of the information they report. 

We are filing this complaint on behalf of our client, who is experiencing issues with a closed account reporting negative information on their credit report. Pursuant to our efforts to address this matter, we sent a Validation of Debt letter to the reporting entity, as allowed under the FCRA. Despite our repeated attempts, we have not received any response from the reporting entity. 

This lack of cooperation is a clear violation of our client 's rights under the FCRA, particularly under the following sections : FCRA Section 611 ( a ) ( 1 ) ( A ) : This section requires consumer reporting agencies to promptly investigate disputes regarding the completeness or accuracy of any information provided by a consumer and to correct or remove any inaccurate information.

FCRA Section 623 ( a ) ( 2 ) : This section mandates furnishers of information to report accurately and prohibits the reporting of information that they know or have reasonable cause to believe is inaccurate. 

Enclosed, please find a copy of the Validation of Debt letter we sent to the reporting entity, along with proof of delivery. We believe that our client 's rights have been willfully neglected, and we seek the intervention of the Consumer Financial Protection Bureau to ensure a fair resolution in accordance with the FCRA. 

We kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter, compelling the reporting entity to respond appropriately and take corrective action. We appreciate your prompt attention to this issue and look forward to a swift resolution. 

If you require any additional information or documentation, please do not hesitate to contact me at XXXX Thank you for your commitment to protecting consumers ' rights and ensuring the fair implementation of the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

Today I called United Wholesale Mortgage to discuss the hardship that has fallen on my family due to the Covid19 pandemic. My spouse and I are currently out of work or had our hours cut back drastically. We are concerned that we may not be able to pay pour mortgage the next couple months. When I called I asked about deferring our next 2 payments to the end of the loan. I was basically told no and that I can fill out an application for Short sale, refinancing, loan modification or repayment which would involve making a higher monthly payment. None of those would apply to us. This is the only financial company that has given us an issue. Not only do we have to worry about no income coming in, we know have to worry about a greedy mortgage company not willing to work with us.
Product: Mortgage

Payment for XX/XX/2024 was made on time and through my mistake was {$44.00} short. Today XX/XX/XXXX I was informed I was being charged a {$61.00} late fee. I have never been late or missed a payment for my mortgage since being a customer with Pennymac. I never recieved a phone call, email, or letter informing me of being {$44.00} short. I tried speaking with the agent but was told it is their policy to not wave late fees. I could understand if I was habitually late but in XXXX XXXX  of being in this house I have never missed a payment or been late. Why was I never contacted by collections?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent.

o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report lists a collection account reported by XXXX XXXX for {$1400.00} with an Original Creditor Name XXXX XXXX XXXX. I never heard of XXXX XXXX and I never had any contact with XXXX XXXX nor XXXX XXXX. This is not my account and it must be someone elses. Kindly permanently delete this account from my credit report and immediately and permanently mark the account as Disputed By Consumer as required by the FCRA and FDCPA.
Product: Credit card or prepaid card

I checked my credit report and there were several collection accounts from XXXX XXXX. I looked into the debt and saw that XXXX XXXX was collecting for accounts opened at stores through Synchrony Bank. I did not open these accounts and I don't know where they came from. The address they have on file is in New York. I do not live in New York nor have I ever. The accounts were at a company called Care Credit, Rooms to Go, XXXX, Pearle Vision, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I saw this negative items on my report. Information 's given by the Bureaus are very inaccurate across them specially the reported dates. The account status on XXXX XXXX XXXX was Paid on XXXX while Open on Equifax, missing report on XXXX. The XXXX XXXX account was reported derogatory on XXXX only. This reports are misleading.