23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was asked to vet a credit report by XXXX which is a loan company in order to process my loan. 

On the XXXX of XX/XX/2024, I applied for a credit report and I got the report. In the report, it appears that I do not have any credit history as the page does not carry figures about my credit history but to my surprise when XXXX sent me an email about my loan aplication, the loan application was not approved and I saw that I have XXXX credit score. 

XXXX pointed that the credit score affected their decision. 

How did I get this credit score? 

I want to know how the company provided my credit scores as it is. 

As at today, as a XXXX I have never applied for loan before all my life. Hence, it surprised me getting to know how the company arrived at that credit score. 

Please, kindly assist me in this regard. 

Thank you.
Product: Credit card or prepaid card

There appears to be some sort of software glitch when attempting to register for online access. Before completing the process the system assigns a random user name. Then, the system will not allow access to the account using that user name. Today I attempted using the chat service online to resolve the issue. The person identified as " XXXX '' kept disappearing. He didn't even ask what I wanted. He just told me to fill out a form. Which I did. Then, he disappeared for about 5 minutes. I was asked to verify my phone number. Then he said he could not use that number to verify my information. He said I'd need to call. So I called and spoke to one person and they said I'd need to speak with someone else. When that person came on I could barely hear them, as they appeared to have their mouth too close to the microphone. This person said that they were unable to verify my phone information. He then said he needed to end the call and call me back. Then they never called back. I called to speak with another person. That person claimed that the person I spoke to before him should have told me that they needed to send me a letter in order to enable me to have online access. Which didn't make any sense. I hung up and called back and asked to speak with a supervisor. This supervisor, who said his name was " XXXX '' was extremely rude. Claiming that I interrupted him after asking him a question and didn't let him explain. It's true I may have interrupted because i may have thought of something else to say. But, it was the condescending way he put it. Talking to me as if it was some sort of joke to him. His attitude was very unprofessional. He treated the entire phone call as if it were a prank. At one point, in response to his flippant attitude I asked him " is there how you talk to your customers ''? His response was to sarcastically say " are you my customer ''? Which was his way of confirming it is the way he talks to his customers. He refused to give me any information regarding his supervisor. Saying he didn't know. The only information I was able to get was his name ( XXXX ). He claimed he worked in Florida. The entire phone representative staff treats it all like they are pulling pranks on the people that call. Worst customer service experiences I've ever had.
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 an confidentiality under 15 USC 1681. 

I told XXXX, TransUnion, an XXXX to reinvestigate these accounts. 

XXXX XXXX XXXX Account number XXXX XX/XX/XXXX XXXX  XXXX Account number XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX, XXXX 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: Student loan

I've tried calling three times now to their customer service they answer the phone but it is automated and says wait time is 4 hours and 50 minutes which is absolutely absurd. Then while you're waiting it will randomly hang up on you. I tried calling at XXXX XXXX. in the morning on a Monday it was 2-hour wait time to get through to somebody. Who has this much time to be waiting on the phone especially when it will hang up on you. This company has the worst customer service I have ever experienced. Plus they put my public service loan into forbearance without even asking me so now the time I am working does not count towards public forgiveness because they will not accept the payment! I tried to change it back to the way it was but like I said you have to be on hold for 5 hours in order to talk to somebody. This is absolutely terrible. What a shame. I hope Trump shuts these people down this is nothing but a government scam on the people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I conducted an investigation on my credit report which caused severe XXXX upon me as I found unverifiable, invalidated, inaccurate, and questionable items that the agency ( Equifax ) did not make sure was reporting 100 % correct. Under 15 U.S Code 1681e ( b ) ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The item that is listed inaccurate on my Equifax consumer report is a collection account : XXXX XXXX - XXXX XXXX XXXX XXXX XX/XX/2019 {$4800.00}. This is a apartment community in which I have never lived at this address. During this time, I owned a home at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX which is listed on my consumer report from XXXX. 

As a result, this collection is negatively impacting my credit score and hindering me from obtain financing.
Product: Credit card or prepaid card

My credit card balance was reduced before I received any notification for the reason for the reduction. I did not have ANY late payments and paid more than the minimum amount due a majority of the time.The reduction was on all of my Synchrony Bank affiliated accounts ( 6 in total ). After I had the balances paid down to about half of the original credit limit, Synchrony Bank reduced all of the balances of the bank cards I have with them causing my credit utilization to increase drastically and causing detrimental harm to all 3 major reporting credit bureaus. It looked as if the 6 credit cards were maxed out to their limit. I called customer service and was told there was nothing I could do. 4 decreases in XX/XX/XXXX alone. 

Here are the original amounts and account # for each Synchrony Bank affiliated accounts : SYNCB/XXXX XXXXXXXX # XXXX - Balance as of XX/XX/XXXX {$72.00} Credit limit of {$500.00} from XX/XX/XXXX to XX/XX/XXXX & {$310.00} from XX/XX/XXXX to XX/XX/XXXX SYNCB/BELK # XXXX - Balance as of XX/XX/XXXX {$91.00} Credit limit of {$500.00} from XX/XX/XXXX to XX/XX/XXXX & {$370.00} from XX/XX/XXXX to XX/XX/XXXX SYNCB/CARE CREDIT # XXXX - Balance as of XX/XX/XXXX {$42.00} Credit limit of {$1500.00} from XX/XX/XXXX to XX/XX/XXXX & {$500.00} from XX/XX/XXXX to XX/XX/XXXX & {$250.00} from XX/XX/XXXX to XX/XX/XXXX SYNCBXXXX # XXXX - Balance as of XX/XX/XXXX {$380.00} Credit limit of {$2000.00} from XX/XX/XXXX to XX/XX/XXXX & {$1200.00} from XX/XX/XXXX to XX/XX/XXXX SYNCB/XXXX # XXXX - Balance as of XX/XX/XXXX {$82.00} Credit limit of {$600.00} from XX/XX/XXXX to XX/XX/XXXX & {$320.00} from XX/XX/XXXX to XX/XX/XXXX SYNCB/WAL-MART # XXXX - Balance as of XX/XX/XXXX {$49.00} Credit limit of {$500.00} from XX/XX/XXXX to XX/XX/XXXX & {$210.00} from XX/XX/XXXX to XX/XX/XXXX My credit bad credit utilization has cause harm to my attempt to consolidate other debt and ruined my chances with obtaining a mortgage loan.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and address a significant discrepancy in the credit reporting about my account, specifically XXXX in the first screenshot. This matter has arisen about a reported 60-day late payment on the aforementioned account, a claim that I maintain is not reflective of the accurate and timely payment history associated with this account. 

I have diligently followed the established protocol for addressing such discrepancies by submitting all requisite documentation, which unequivocally demonstrates the timely nature of my payments. It is crucial to emphasize that the reported late payment was a result of internal processing challenges encountered by XXXX, the creditor associated with the account, rather than any failure on my part to fulfill my financial obligations. 

Upon a thorough review of my dispute, XXXX has responded with a resolution that, regrettably, falls short of rectifying the issue at hand. Instead of acknowledging the accuracy of my payment history, XXXX has unilaterally opted to modify the reported late payment to 30 days, thereby failing to fully address the veracity of the situation. 

This resolution is demonstrably inaccurate, as XXXX successfully rectified its internal processing issues on XX/XX/XXXX, which is subsequent to the erroneous 60-day late payment flag raised on XX/XX/XXXX. Consequently, the arbitrary adjustment to a 30-day late payment resolution lacks merit and fails to accurately represent the timeline of events. 

In light of the foregoing, I formally request that XXXX conducts a comprehensive and impartial review of the evidence provided, rectifying the reporting on my credit account to accurately reflect the fact that I was not late in making payments. Furthermore, I request the removal of any derogatory information associated with the purported 30-day late payment resolution. 

I have sought counter evidence from XXXX and its affiliated entities to substantiate the resolution they have chosen, but regrettably, such evidence has not been forthcoming. As a consumer, I place great reliance on the integrity of credit reporting agencies in accurately representing consumer information, and I expect that due diligence will be exercised in reviewing and resolving disputes of this nature. 

Enclosed with this correspondence are comprehensive screenshots and documentation from XX/XX/year>, providing irrefutable evidence of my adherence to the agreed-upon payment schedule. These records must be meticulously examined, and if no contrary evidence can be produced, I insist that the payments be updated to " paid as agreed '' and reflected by the accurate and timely payment history that characterizes my financial profile. 

I anticipate your prompt attention to this matter and the expeditious resolution of this dispute by the applicable laws and regulations governing credit reporting. Failure to do so will necessitate further legal action to protect my rights as a consumer. 

Thank you for your attention to this serious matter.
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 u.s.c 1681. 
Account Name .... XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 u.s.c. 1681 Section 602 A. States i have the right to privacy .... 
15 u.s.c. 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.. 15 u.s.c. 1681 C. ( 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. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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

To Whom It May Concern, I attempted to open a business account in XX/XX/XXXX and was declined by several financial institutions. In addition my personal accounts were also shut down after several years of banking by personal banking institution, XXXX, as something from EWS popped up in conjunction with the opening of a business account. 

It was a nightmare, and occurred at what was meant to be a happy time - starting a business. 

I was advised by XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX  XXXX, NC XXXX in XX/XX/XXXX that I needed to clear the item before they would open the account. I disputed the XXXX item ( CFPB ref XXXX ) and it was cleared. 

During this time I was also advised by another financial institution that there was an adverse XXXX  reporting from XXXX  XXXX XXXX. 
I was advised by XXXX  XXXX XXXX - Address : XXXX XXXX XXXX, XXXX, NC XXXX that as long as I paid {$300.00} that " the item would be removed and I should have no issue opening a new account as long as everything else was cleared ''. This was after the branch supervisor/manager reached out to collections/recovery to provide an understanding of what the item was for. I paid the {$300.00} on XX/XX/XXXX and was then able to new accounts with XXXX XXXX XXXX XXXX XXXX. 

My small business has been expanding over the last 5 months and I have a need to work with a larger bank who offers expanded business banking products. I just attempted to open a new business account with XXXX  XXXX XXXX and XXXX XXXX on XX/XX/XXXX and was once again declined. 

This is getting ridiculous at this point. 
1. This nonsense is crippling a small business owner from starting out on the right foot. 
2. The transparency around EWS and banking decisions to close and not open accounts is horrendous. 
3. The lack of consumer knowledge around who and what EWS does is very evident.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C $ {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation, These are the account i mark inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous calls have been hung up on. Last person I spoke to was XXXX UV XXXX Mazda Credit through JP Morgan refuses to verify that this has been paid off. Calls and emails and they still will not do this and this is impacting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am a U.S. Veteran. my Identity was compromised between XX/XX/XXXXand XX/XX/XXXX. During this time a fraudulent account was opened in my name with XXXXXXXX XXXX. XXXX XXXX and Experian are aware of the fraudulent account, however, as of todays date the negative item still remains on my account. A military police report has also been filed and my unit is working with the Federal Trade Commision and the Consumer protection agency to resolve the matter. Please have XXXX remove this from my account immediately as it is causing me economic harm. I have also included a identity theft report from the federal trade commision regarding the complaint.
Product: Student loan

I'll start with the current issue. Around XXXX of XXXX  when I heard the federal student loan pause was ending, I called Nelnet and asked to be put on a income based repayment plan. Went through it all over the phone, and was told I was set. Eventually by around XXXX of this year, I noticed I was getting notices of non-payment from Nelnet, despite being self employed for less than XXXX in XXXX. I called again, and Nelnet said they had no record of the application. I went through the whole shebang again, with very little information on what the different income based repayment plans mean or do. 

I am still receiving late payment notices and accruement of interest. This is unacceptable. 

Furthermore, in the years first following my loan acquisition I experienced bouts of homelessness, and significant periods of unemployment. When I called my servicer to ask what I could do about my payments, I was never told about income based repayment, and directed into forbearance instead.
Product: Debt collection

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Product: Credit card or prepaid card

{$6000.00} was withdrawn from my XXXX account while I was outside the country and i had my debit card with me all the time but when I contacted Bank of America they told no errors was occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Method of Verification Letter was sent and received by Experian on XX/XX/22. In my letter, I sent Experian a notice received from The Bankruptcy Clerk certifying that they " Do not report filings to credit agencies ''. This letter is attached to this complaint. Experian has on several on occasions admitted that even though the courts do not report bankruptcy records, CRA 's may use " XXXX XXXX '' to obtain such information from PACER. In this case, the data furnisher is XXXX XXXX. I have obtained an updated consumer report from XXXX XXXX which clearly shows no bankruptcy record on file ( Please see full report attached ). According to XXXX XXXX, Experian could be using unverified and incomplete data from PACER to update and verify this record. However, PACER is a contestable database which does not qualify as a source to " Verify the Accuracy and Completeness '' of a record. In it's final results of my last investigation, Experian has stated that the company providing the information to them has certified the accuracy of this record. The dispute number is XXXX. Experian has not provided me the name and address of the company it claims has certified this record 's completeness and accuracy and therefore has violated FCRA 611 ( a ) ( 7 ) and FCRA 611 ( a ) ( 2 ) ( B ). Experian continues to report this unverified record on my consumer report causing financial damages. I am demanding the removal this record from my consumer report immediately. All personal identification information was sent in this dispute, therefore this can not be used as deterrence tactic. On XX/XX/22 Experian responded to a complaint and request to send me " The Method of Verification ''. Experian has provided false information in their response by stating that they have sent me the requested information regarding my dispute. Experian sends generic responses such as " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I have already proven that the courts does not report to Experian and therefore, this record is contestable. I have already proven XXXX XXXX Experian 's XXXX XXXX is not reporting any bankruptcy on my consumer report. I am now demanding Experian send me supporting documentation from the courts or data furnisher in which it claims has updated them on their accuracy and completeness of this record. Experian is now accusing me of using a credit report agency which false. This will be my final attempt via CFPB to resolve this matter. Experian will be required to provide in discovery all supporting documentations and procedures used in this dispute.
Product: Checking or savings account

I opened a checking and savings account with Citi to receive the {$400.00} promotion. Per the terms, I had to maintain a total of {$15000.00} combined in checking and savings account, so I deposited {$14000.00} in savings account ( which pays interest ) and {$1.00} in checking account ( which doesn't pay interest ). 

I just received an email from Citi that I did not qualify for the bonus because I didn't maintain the required minimum of {$1500.00} in the checking account. But they just changed the terms to require {$1500.00} in the checking account. When I opened the accounts, there was no minimum, just a combined total of {$15000.00} in both accounts - per their web site and per the customer service rep I spoke with. 

In reading the XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX it is obvious that Citi has cheated other customers in this way ( see comments at the bottom of the page in the link ) Please help me get my {$400.00}.