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

In the last few months I have been checking my consumer reports with XXXX, Equifax and XXXX. In XXXX of XXXX, I have reviewed my latest consumer report. I am aware that there are unauthorized hard inquires that was placed on my file without my consent. According to many acts such as the GLBA ( Gramm-Leach-Bliley Act ) your agents/representatives are not safeguarding my sensitive data. 
I have spoken to the agents of all bureaus to have these inquires removed from my files within 15 days. An FTC report is included with this complaint. I expect for the following inquiries removed from all 3 credit reporting agencies IMMEDIATELY. I am opting out as of today XX/XX/XXXX for the reporting of the inquiries listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTARTMENT OF EDU XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan on XX/XX/2020 and was denied from PENFED credit union.On XX/XX/2020, I received a denial letter from PENFED credit union with explaination.One key factors that adversely affected my credit score that's on the Denial letter is '' Derogatory Public Record '' which generally means Bankruptcy.I did have Bankruptcy and it was removed in early XX/XX/2020 from XXXX.Also in the denial letter it states '' our decision was based in whole or in part on the information obtained in a report from the consumer reporting agency listed below ( XXXX  ) '' .I have disputed a few times to have bankruptcy removed because the 10 years is up.XXXX said it is not on my credit report and not reporting on my credit report.Because of this denial letter, its clearly on my credit report and was never removed.This is a violation of the fair credit act.Also, XXXX  is not reporting my credit score correctly.My current report says XXXX and on this denial letter it states XXXX.On a current CFPB complaint ( s ) No. XXXX and XXXX, Im having the same problem with bankruptcy not removed from credit report and a difference in credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/202, I sent a letter to Equifax regarding inaccurate and unknown things on my credit report. It's been more than 30 days and I still have not received a response. I feel as if I'm being taken advantage of and ignored of my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives reason to immediately remove those items from my report. it's been over 60 days so those items should be deleted promptly. I demand that these items be deleted immediately, or I will file for litigation due to stress you have caused. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX and 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

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. 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 reported in those account to be removed.

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.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 and It was never provided. 

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

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

There has been multiple problems with credit monitoring bureaus correcting errors from multiple companies that incorrectly reported my accounts for collections. I have disputed the collections information with the collections agencies XXXX XXXX XXXX who states on my credit report they are the original creditor for a XXXX XXXXXXXX XXXX XXXX, error balance {$800.00} after the creditor refused to close my account in XXXX and XXXX XXXX XXXX again stating on my credit report they are the original creditor, error balance of {$480.00} from a closed XXXX account near XXXX. XXXX XXXX error balance {$450.00} suspected from XXXX  XXXX and there has been collections errors from XXXX  XXXX  and incorrect information reported from creditors XXXX  and XXXX XXXX  XXXX.The credit bureaus companies TransUnion and XXXX have made a mistake reporting incomplete collections information, the mistake is expected reported at XXXX. The accounts and collections accounts have been disputed and removed before on multiple occasions, the creditors were allowed again to report incorrect information about balances, account status, and others damaging remarks to my credit report.
Product: Student loan

This loan began on XX/XX/XXXX and was originally for {$16000.00}. To date, I have paid a total of {$34000.00} into this loan since XXXX, yet still have a balance of {$10000.00}. I found out my school, XXXX XXXX in New York XXXX, permanently closed XX/XX/XXXX, and I subsequently reached out to Mohela to inquire about loan forgiveness. I only attended school here for XXXX semesters due to health concerns, which is not enough to even come close to a completed degree. 

I was told by Mohela that while they do forgive loans when the school closes, they wouldn't forgive my specific type of loan and did not provide detail into why my loan does not qualify for forgiveness. 

I have also offered a lump sum of {$5000.00}, to which they stated they do not accept any debt settlement offers and declined. 

They provided me a number to call to inquire about other loan forgiveness options ( XXXX ), but when I called they said they could not accept anything other than the full amount of the remainder of the loan. 

I reach out to you to review this practice of debt collection with no resolution in this company. I have paid over 200 % of what was originally borrowed, and am being asked to pay an additional 41 % for XXXX semesters of college 17 years ago. I understand how loans and interest work, but I have paid XXXX major loan providers at this time ( XXXX XXXX, XXXX, and now Mohela ) and want to be done with this loan as I look to my future and pursue different education.
Product: Credit reporting or other personal consumer reports

After recently, looking at my credit report I found multiple inaccuracies and unverified information on my credit report I recently requested the original contract with my signature on it from XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX. According to the FCRA when a consumer reporting agency Prepares a consumer report It shall follow Reasonable procedures to ensure maximum accuracy of the consumer relating to the report. I also reached out to the Credit Reporting Agencies asking for a reinvestigation and method of verification of the listed accounts below, in which they also failed to respond which is a violation of my consumer right per. 15 USC 1681i7. 

Account : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX was already removed from my XXXX report because they failed to provide proof of this account being mine, but TransUnion and XXXX are still reporting it as Verified another violation of my consumer rights, inaccurate reporting. Per 15 USC 1681i all UNVERIFIED accounts must be PROMPTLY DELETED from my consumer report. The accounts below were clearly unverified and i am requesting they be deleted from report immediately. 

Account : XXXX XXXX  Account Number : XXXX Account : XXXX XXXX Account Number : XXXX  They also violated 15 USC 1681 i ( 5 ) Can you look into this?
Product: Mortgage

my FHA refi has me paying the taxes instead of escrowed.
Product: Credit reporting or other personal consumer reports

I had lost my wallet in XXXX everything was in there my social my identification card medical card everything and XXXX or XXXX when banks just started to open outta nowhere and large amounts of money will be In the accounts then the accounts will go back to negative and I dont have no clue how they got there and its messing with me as a adult because I cant open a bank account please help me XXXX XXXX XXXX XXXX XXXXXXXX XXXX first common those are all the banks I seen that was opened up in my name
Product: Credit reporting or other personal consumer reports

When it comes to these agencies theyll reporting different inaccurate information I got a email about a breach that people now have my information which is now effecting my credit report. 
XXXX XXXX and trasunion are all report wrong information
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a Dispute with Experian on XX/XX/2021 for Chapter XXXX bankruptcy it came back valid on XX/XX/XXXX I asked XXXX for validation letter they sent me a paperwork back saying it was validated by XXXX I had disputed it with XXXX on XX/XX/XXXX they had already ready sent me a letter saying the chapter XXXX was invalid removed on XX/XX/XXXX Experian keeps saying its comeing back validated though XXXX and its not I called them I have a copy of my hole XXXX report
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you again today to inform you I was the victim of identity theft. the accounts I am disputing today for the erroneous accounts in my report and I need them removed immediately, Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission. US DEPT OF EDXXXX XXXX .... Balance : {$92000.00} US DEPT OF EDXXXX XXXX .... Balance : {$880.00} XXXX & XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$360.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has no permission to report anything using my info pursuant to 15 USC 1681 4. PLEASE DELETE BANKRUPTCY THAT IS BEING REPORTED.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Ss # XXXX DOB XXXX/XXXX/XXXX You still have not removed the account for XXXX that is affecting my good credit from my credit profile. 

I DEMAND that this account be removed from my credit profile!!!! All the account information is incorrect. Per the FCRA Furnishing and Reporting Inaccurate Information Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : reporting a debt as charged off when you settled it or paid it in full misstating the balance due reporting late payments when you paid timely listing you as a debtor on an account when you were only the authorized user, or Supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). 


XXXX XXXX XXXX/XXXX/XXXX
Product: Debt collection

After spending less the XXXX minutes on the phone with a representative named XXXX, he not only was very rude but threaten to take legal action against me for a {$250.00} dollar debt. This company is n't in the same state as I am nor do I think it is acceptable to verbally abuse and threaten legal action, without even sending a client a letter of the debt they owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account Comenity Bank/NY & CO Acct XXXX XXXX and Comenity Bank/DavidsBridal Acct XXXX XXXXXXXX, has violated my rights. 


15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for purpose.
Product: Debt collection

I am filing this report because I discovered that Ideal Collection Services Inc. has placed an eviction or other collection-related information on my credit report. I do not recognize this company, nor have I ever had any dealings with them. I am unsure how they obtained my personal information, and I have no knowledge of the alleged debt or the account associated with it. 

This situation is deeply concerning as I believe my identity may have been fraudulently used. I request that this matter be thoroughly investigated, and any incorrect or fraudulent information related to Ideal Collection Services Inc. be removed from my credit reports and associated records.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX dispute letter, FTC, and Identification documents attatched.

Pursuant to 15USC 1681i company has 30 days to respond.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. Collection Accounts Collection accounts listed below is in violation of 15 U.S. C
ode 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit card or prepaid card

My XXXX card had fraudulent charges in XX/XX/XXXX. Citi customer care proactively called me and validated with me. After denying them, they cancelled my card and issued a new card with assurance that the charges will be taken care. I have been talking to citi customer services by calling them several times in XX/XX/XXXXbut they said they are still investigating. After 2months, I get a letter from citi saying the charges were legit and I will have to pay them. I have been calling customer services and talking them thru XXXX but there is not right help to fix this issue. On top of all this, when I went into the details of disputed charges, I see real charges that were disputed are not investigated by citi but other charges which I never disputed. I am also been charged interest for these charges. It has been frustrating for me to deal with this issue. Need some help to resolve this.
Product: Mortgage

I refinanced my first mortgage and HELOC loan with Bank of America on XX/XX/20. 

At closing, Bank of America was supposed to pay off both my first mortgage and HELOC loan with proceeds from a new mortgage loan. Per the latest closing statement I received, the amount which was supposed to be applied to the HELOC was {$44000.00}. 

The HELOC loan was not paid off. I was not notified of this and later discovered it on my own. The reason I later received from Bank of America for why the HELOC was not paid off was that the funds on earmarked for payoff of the HELOC loan on the refinance closing statement did not match the final balance of the HELOC. This is due to Bank of America 's failure to update the closing statement for recent activity on the HELOC. The HELOC balance was inaccurate for at least 6 days prior to close as best as I can tell from my HELOC monthly statements. At the time of close, I verbally notified Bank of America of the discrepancy and was told that whatever the updated balance was would be paid off and the cash at closing due to borrower would be adjusted accordingly. Regardless of whether the balances matched exactly, the funds earmarked for payoff of the HELOC loan should have been applied to the HELOC loan as shown on the mortgage closing statement. The discrepancy was a small amount relative to the loan balance. 

At present on XX/XX/20, I can not get a straight answer from Bank of America about where my {$44000.00} is. I am told it will get wired back to the title company but can not get an answer on when. I am told that the department that handles wires is 'backed up '. When I try to call Bank of America to get more information I am repeatedly transferred to numerous different departments at Bank of America, waiting on hold for 20+ minutes each time only to be told by each department that I need to speak with a different department. I have emailed the loan originator, XXXX XXXX NMLS ID : XXXX, on XX/XX/20 about the issue and at present I still do not know when my funds will be returned. At present I am being charged interest on my HELOC loan. I am paying interest on a loan balance which should have been paid off one month ago and which I have no ability to pay off because the funds which should have been used to pay off the HELOC are being held by Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX I did not receive a pay check on XX/XX/XXXX due to contractual agreement between XXXX XXXX XXXX and XXXX XXXX XXXX. Ive been employed with XXXX XXXX XXXX as a XXXX XXXX XXXX for the last eight years and never experienced this process before. This caused me to fall behind in my finances. I asked Caliber Home Loans to remove the two 30- days late mark from my Credit Report with all three agencies and they said no. 

In XX/XX/XXXX I became ill with a XXXX XXXX in my XXXX and XXXX that caused me to be out of work for over thirty days which two and half weeks I was laid up in bed. As a XXXX we only get a certain amount of Sick Days and with me being out for more than thirty days I did not have enough sick days to cover my absence causing me not to get paid for 11 days. I asked Caliber Home loans to remove the 30- days late mark from my Credit Report with all three agencies and they said no. 

As a retired XXXX Veteran and a XXXX XXXX I understand the importance of having outstanding credit and I have been practice just that. I have never been late or my mortgage or any other bills in over nine and half years. I have provided documentation for your review to consider waiving my late marks on my credit report. Lastly, I am in the process in putting my last child through college who was accepted to XXXX XXXX and the banks are giving me a hard time because of my credit score being effected by the three late marks. 



Respectfully, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, I applied for a loan through Oportun/XXXX XXXX I was approved for the loan in the amount of XXXX to be issued in a form of a check within 10 business days through the mail. I signed a contract on XX/XX/XXXX. XXXX and payments were to begin on XX/XX/XXXX of XXXX. I called on XX/XX/2022 to get a staus of the check and was told check had been issued on the XXXX XXXX. XXXX  and the check should be recieved by XX/XX/2022 through certified mail. The check did not come and I called customer again on XX/XX/2022, and was told that the check was sent out of XX/XX/2022 through regular mail, and it takes 10 business and I should have received check already. I waited unitil Monday XX/XX/2022 and still no check. I call again on XX/XX/2022 and explained I was given two different dates the check was sent out, and I had not received the check. The rep stated he saw in the records that two different dayes was given, and he would get with a supervisor. The rep state supervisor will escalate the matter and see if they could track the check, and I would receive a email on the tracking of the check in two days, and I should be receiving the check before Friday XX/XX/2022. I have contacted customer again, on XX/XX/XXXX and still no help. I have resquest for loan to be canceled due to none funding of loan. The rep stated I would have to call back in 7 business days to see if loan would be canceled. It has been 3 weeks, and I have not received the loan money in the XXXX for the contract that was sign. I am looking to take legal action for Oportun 's unethical behavior of agreeing to issue a check with a sign contract, and did not follow through with agreement. At this point, its been pass the 10 business days, and I wish for the loan to be canceled.