23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have tried to resolve this matter with MOHELA /Dept of Education and I never get anywhere with agents via phone other than conflicting information ( different information from different agents ). There has been so many CHANGES with this student loan mess and I believe my paperwork that I filled out went unnoticed. I am a XXXX and was on the PSLF /SAVE and now I'm not sure what's going on other than they keep reporting a higher balance to the credit bureaus which is incorrect. I am needing someone higher up with the department of education to reach out to me regarding this matter as soon as possible. My # XXXX. Students need to be kept in the loop of their account and what different information means or is. Not me getting a bill for XXXX which is wayyy above what I can afford as a single mother of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting an account that was closed as open. 
account XXXX XXXX XXXX, date XXXX copy attached. 
XXXX says it is closed and says it is reporting it as closed. 
Transunion is reporting it as open under 'adverse information. ' Other agencies are reporting it correctly ( meaning reporting it as a closed account, paid in full, with no adverse effect. ) I tried to file dispute with trasnunion on their website but their website crashes before I send it. I can't get through to a human on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage loan that was charged off in XXXX by XXXX mortgage company and collateral was released. It was purchased by Real Time Resolutions as a debt collector, then in XXXX of XXXX the home was foreclosed upon by XXXX County Michigan and granted to the city of XXXX for delinquent property taxes. Real Time Resolutions is incorrectly reporting this loan to XXXX as an open mortgage 180 days past due for the past 6 years. There is no collateral so this loan should be reported as an unsecured loan or removed from my XXXX report entirely. This loan reporting is effecting my ability to obtain a mortgage - even my ability to obtain employment. The loan is also time barred and I am not responsible for the balance. To make matters worse the home was fraudulently foreclosed upon as the mayor and city planner are under federal indictment due to accepting bribes/wire fraud in connection to a community blight removal program that funneled properties to a contractor who already accepted a plea deal. Please help me to get this reported correctly or removed
Product: Credit card

Got a call from a number saying we opened an HSBC card in 2007, made payments for four years and stopped and they were calling to serve us legal paperwork tomorrow. Weve never had an HSBC card that we knew of but because it was so long ago we werent sure. We pay everything on time and have excellent credit but they knew our address, the last 4 of the social and gave us the name of the law firm XXXX XXXXXXXX XXXX XXXXXXXX ). We called there and it seemed legitimate but we couldnt find a law firm via web search. It was a very well played scam that will sadly get a lot of people. Please look into this. The number the call came from was ( XXXX ) XXXX. They called my husband and me.
Product: Credit card or prepaid card

To Whom It May Concern : I am writing to petition you for assistance in a matter that has caused me grave health and financial hardship, associated with Netspend. I purchased a prepaid Netspend visa debit card at a XXXX 'XXXX  XXXX  in XXXX XXXX, Utah on XX/XX/2020.Subsequent to my purchase, I loaded the card with {$500.00} cash ; and attempted to activate the card, but to no avail. 

The Customer Service Representative said she could not verify me because the address on my driver 's license was a P.O. Box and Netspend apparently doesn't accept P.O. Box 's for verification. 

I asked what could be done. She replied that I needed a Government issued identification with an address, other than a P.O. Box ( to which I do not have ). 

When I asked to speak to her Supervisor, I was placed on hold for more than an hour ( and it was the second time I called to resolve this matter ). The issue was never resolved ; and I still do not have access to my money. Again, this has caused me grave health and financial difficulties. 

Although I am at an impetus with Netspend, I am confident The Consumer Financial Protection Bureau can help me get a refund, or resolve this issue in a timely manner. Thank you, in advance. 

Kind Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and Experian are consumer reporting agencies and I am the Consumer. These agencies have failed to do so. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. ''
Product: Credit card or prepaid card

My Card Was Used in a year and half span for about {$7700.00} dollars. Citi promised to resolve the issue as soon as possible. Citi said it will fix my issue in 4 days I didnt get no conditional credit. My credit Balance is around {$4000.00} and my limit is {$5000.00} but my Available Credit line is {$0.00}. I been a paying customer never late paying over minimum on most of my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union, XXXX  and XXXX  are not responding to any of my numerous requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent XXXX Equifax and XXXX a a letter asking them to please investigate my personal information showing on my credit report that is incorrect. I attached a copy of my Driver License Social Security card proof of my current employment ( business card ). I asked them to delete or remove these disputed items and send me notifications that the items have been deleted off my credit report and to forward me a copy of my current report after the corrections. As of today XX/XX/year> they have failed to correct my personal information showing on my credit report and I have had to pay third party services to obtain my credit report
Product: Mortgage

I wanted a {$45000.00} cash back. In the whole process it was never talked about that I had to pay a third loan They were very dishonest because they told me until the end when the loan was closed. 
They did not give him the opportunity to choose if I wanted to continue with the loan
Product: Mortgage

We were working as a 3rd party construction company on a project financed through the following Loan Officer and entity : XXXX XXXX Intercoastal Mortgage LLC. 
XXXX XXXX XXXX XXXX # XXXX XXXX The Loan Officer on this loan repeatedly told us ( the builder ) and the homeowner that in order to get paid the remainder of our fees we needed to complete all work- including any out of scope - out of our funds and we would then need to submit an invoice for reimbursement. 

This went on for months ... and in excess of $ XXXX. 

once we submitted the receipt.. which were all approved by all parties.. we were told we would not be reimbursed because the loan can not fund these.. though we were forced to complete those to submit for reimbursement. the lender since then.. started disbursing funds to other without our approval or without proper notification. 

the LO has not responded to requests for answers. 


This lender has violated numerous minimum requirements for this loan and has operated in a ways that should not be tolerated in 2022.
Product: Checking or savings account

I want to change my bank account information to put new one that am using for now to receive my monthly payment
Product: Credit reporting or other personal consumer reports

This is XXXX of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. GM FINANCIAL 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.

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.

I demand the following accounts be verified or removed immediately.

Collections XXXX XXXX Opened XXXX {$610.00} XXXX XXXX XXXX Opened XXXX {$790.00} XXXX XXXX XXXX XXXX  Opened XXXX {$7200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. The following personal information is incorrect Account Number : PREVIOUS ADDR ESS : XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep frustration and concern regarding the repeated and unsuccessful attempts I have made to remove fraudulent items from my credit report. These fraudulent entries have had a severely detrimental impact on my financial standing and have caused significant XXXX. 

I have diligently followed your company 's established procedures for reporting fraudulent activity, provided all requested documentation, and submitted detailed explanations of the discrepancies. However, despite my best efforts, these fraudulent items remain on my credit report. 

I want to emphasize that I have acted responsibly and in good faith throughout this process. I have promptly reported any suspicious activity, cooperated fully with your company 's investigation requests, and taken every possible step to protect my financial reputation. 

I am formally requesting the following actions to be taken as a matter of urgency : A comprehensive and thorough investigation into the fraudulent items on my credit report to establish their inaccuracy and fraudulent nature. 
Immediate removal of the fraudulent items from my credit report. 
A written confirmation of the resolution, including the date when the fraudulent items were removed. 
An apology for the undue XXXX  and financial harm caused by the presence of these fraudulent entries on my credit report. 
I understand the importance of maintaining accurate credit reports for both consumers and creditors. It is my firm belief that addressing and rectifying these fraudulent items is not only in my best interest but also essential for upholding the integrity of the credit reporting system. 


I sincerely hope that such measures will not be necessary and trust that your company will act swiftly to rectify this situation. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX XXXX XXXXK, AR XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$23000.00} DEPT OF EDXXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$1400.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$2000.00} XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$64.00}.
Product: Debt collection

On the month of XX/XX/XXXX XXXX evening i decided to go online to check my credit report my first time and when i got through one of the Credit Bureau XXXX XXXX Website, I found out that someone in the past used my Identity and applied for XXXX XXXX Bank credit card, the amount of {$300.00} credit limit. This Account Number : XXXX was selloff and bought by ; The Current Owner : XXXX XXXX, XXXX. Account Number : XXXX posted in Collection the Amount of {$620.00}, all 3 Major Credit Bureaus ( XXXX, XXXX & XXXX  ). 

I still wanted more information about this debt, so I wrote to XXXX XXXX, XXXX on XX/XX/XXXX for validate to verify more information about this debts I send the mail certified and at a later time the return ticket confirm they received it on XX/XX/XXXX, XXXX XX/XX/XXXX about noon time I received a letter from XXXX XXXX XXXX XXXX XXXX and a attachment : Court Judgement of {$820.00} On XX/XX/XXXX without me knowing or properly served, they filed a suit, I was very upset and confused, i never applied for this credit card and i have no knowledge about who? used my identity and why? this debt is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Additional information ; I was recently denied employment I'm assuming because of my credit report and credit score. After investigation- accounts is still being reported inaccurately on my Equifax credit report. In XXXX of 2019 ( Equifax ) has initiated an investigation on the following Accounts ; however, the current report reflects absolutely no changes ( A violations ) ( Please see attachment for further details ) ( XXXX XXXX XXXX ) - account balance is inaccurate & unverifiable. First date of delinquency is not reported. A violation ( XXXX XXXX XXXXXXXX XXXX ) - reaged account, account does not reports ( first date of delinquency ) A violation ( XXXXXXXX XXXX XXXX ) account does not report last date of payment or first date of delinquency. A violation
Product: Credit card or prepaid card

This is a follow-up to CFPB Complaint XXXX  
Since I haven't been able to resolve my billing issue through yourCustomer Service Department... I'm hoping you'll be able to help provide a timely resolution to this matter so that I can settle my account once and for all.

OnXX/XX/XXXX, I received an email from CapitalOne stating they hadn't received my $49.00 XX/XX/XXXXpayment. Realizing I had sent a money order (for said amount) onXX/XX/XXXX, I decided to contact customerservice on the matter. In speaking to a representative and explaining my payment was mailed, she indicated my payment will only be applied once they receive it. When I offered to provide her a copy of my money order, she refused; instead reiterated my payment would only be applied once it was received. After a few days, I received another email alerting me of a missed/late payment. Again, I called to inquire on the status of my account; and pointed out that my XX/XX/XXXXpayment had been mailed. The representative would only state it had not been received, and refused to accept proof of my payment. On XX/XX/XXXX I received yet a third email from CapitalOne alerting me of a missed/late payment???

XX/XX/XXXXI received an email from CapitalOne this time stating an additional XXXX is owed. Obviously, my payment of XXXX  was received... So why am I being charged an additional XXXX? 

OnXX/XX/XXXX, I called your Customer Service Department regarding my latest email. Initially, I spoke to a representative named XX/XX/XXXX. After going through an extensive verification process, I asked to speak to her supervisor. Somehow, I was transferred to XXXX  in your Fraud Department. Again, I demanded to speak to a supervisor! He in turn transferred my call to XXXX. Throughout our brief conversation... He seemed even less knowledgeableand more confused. He verified my June payment ($49.00) was applied to my account onXX/XX/XXXX. He also indicated the additional late fee ($29.00) had been removed. Despite having received my XX/XX/XXXX payment, he now insists a payment of XXXX  is owed. How CRAZY is that???

OnXX/XX/XXXX, after receiving yet another email from CapitalOne  I called their Customer Service Department; and demanded to speak to a supervisor. After a brief conversation with representatives XXXX XXXX, and XXXX; I was FINALLY transferred to a supervisor by the name of XXXX. During the course of our discussion, she revealed the XXXX late fee was applied on XX/XX/XXXX Despite my payment of XXXX  mailed XX/XX/XXXX with a due date of XX/XX/XXXX and my XXXX  payment mailed XX/XX/XXXX with a due date ofXX/XX/XXXX.. she claimed both were received late. To my knowledge, it takes 1 3 days for First Class mail to arrive to its destination; so how are my payment(s) considered late? They are mailed at least a week from the posted due date.

Its obvious, erroneous late fees have been tacked onto my account. Perhaps it because I haven't used my credit card in over 6 months. Attached are copies of the 'so called' missed payment(s) in question. Your effort to resolve this matter in atimely and accuratefashion is greatly appreciated.

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

I sent a letter to Transunion on XX/XX/XXXX, requesting to investigate and verify the accuracy of the accounts on my Credit Report. The accounts below are reporting erroneous information on my File. Despite the previous written requests sent to Transunion, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting these accounts as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Transunion to investigate the erroneous accounts and have them corrected. 


XXXX XXXX XXXX Dates XXXX, XXXX XXXX XXXX Dates XXXXXXXX XXXX XXXX XXXX Late Dates XXXX, XXXXXXXX XXXX XXXXXXXX Late Dates XXXX, XXXX XXXX XXXX XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXX Late Dates XXXX
Product: Credit reporting or other personal consumer reports

I have serveral account on my credit report that I do not approve, have knowledge of, or are accurate. This is extremely illegal and against my right to a fair credit report. Last chance before legal action is taken again equifax.