23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its illegal obligation under the Fir Credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

I started the refi process back in XX/XX/XXXX with 5/3 bank. I received a packet of paper work and it was mailed back in estimated dated of XX/XX/XXXX. I received confirmation from the Mortgage Loan Originator that all paper work was received and my application fee  was processed on XX/XX/XXXX for {$390.00}. I have been having a hard time with communication to find out what is the hold up in the process. I have been told numerous times that my paper work is in the underwriting process but the underwriters are behind in work due to COVID-19 crisis. After several weeks to find out what is going on I continue to get the same information. I have asked for a refund due to no one is working on my application and I would like to look else where. I was told that I could not get a refund back because my process is waiting on the underwriter. I have asked to speak to a manager/ supervisor several times in regard to my issues and complaints. I have sent several emails but I have got no where with this process. I would like to a refund due to the process that no one is working on my application process and I need to find me another company to refinance with while the rates are low. I explained to the mortgage loan officer that I was concerned on missing out a possibly lower rate due to the waiting process. She told me that there was nothing she could do about it but she would talk to her manager 2 weeks went by and I never heard from her. I called her again on XX/XX/XXXX to follow up with her and she do not have a complete answer for me and still was stalling. I told her I felt like I was being ignored and my paper work was sitting on someone desk.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act ( account name and number ) have 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have student loans with XXXX XXXX and XXXX only. They both appear on all 3 of my credit reports. XX/XX/XXXXXXXX XXXX is reporting 3 separate entries on my equifax report, account ending in XX/XX/XXXX. This should not be on my equifax report.
Product: Debt collection

hello i sent a letter to a company called AMERICOLLECT as it shows on XXXX XXXX  that they say i owe somekind of debt but never responded to my letter to validate the debt i read on the internet they have 30 days to respond that was 2 months ago i even have proof the letter was recieved and signed for i saw on the internet thats a violation of 15 usc 1692 g ( b ) Collector must cease collection efforts until debt is validated, on top that i wrote a letter to all of the credit bureas they verified it anyways they keep furnishing inaccurate information which is causing my blood pressure to raise the account status is open and its a collection account this is clearly not accurate and the date of last activity is showing 3 different dates the laws says the bureas must report 100 percent accurate also google new laws in california tuens out this company is not registered with the ( DFPI ) PURSUANT ( DCLA ) DEBT COLLECTION LICENSING ACT
Product: Credit reporting or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : XXXX XXXX XX/XX/2023 and XXXX XXXX XX/XX/XXXX, XXXX. Please remove these inquiries ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


XXXX XXXX XXXX XXXX Balance Owed : {$140.00} ; XXXX XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$140.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit card or prepaid card

I'm being charged late fees even though I have made payments 4 to 6 days before due date. I've called many times to try to get this resolved but it keeps happening. I have also written to the bank. I received their response saying that they investigated and found the charges to be valid. I wrote to them again enclosing a copy of my bank statements showing that payments were made well in advance of the due date. They are obviously not posting my payments until after the due date so they can charge a late fee.
Product: Credit reporting or other personal consumer reports

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/year>
Product: Mortgage

I'm sending this as evidence that I have asked time after time that Wells Fargo.

1. Look at an address the issues that their employees caused.

2. Create a process that this will not happen again even if the insurance is increased.

3. Do not have the person who was abusive on the phone to contact the person again if another complaint is created. 
This would include XXXX, XXXX, and XXXX. 
4. While it seems as if it has been Wells Fargo employees intention by using every opportunity. To tell us what we have done wrong. You should have done your due diligence to ensure that the information. You provided to us in the packet you sent. Was ours and not another customers. This proves exactly what I have been saying. We all make mistakes, learn from them, do better, apologize with sincerity and move on. I do hope that there are not other customers. Who have been sent my personal information. 
I will try and return the information to the other customer. So that they can take whatever action they deem necessary.
Product: Debt collection

When I went in to this dentist office they told me it wouldnt be any out of pocket expense. If they would have told me I wouldnt have gotten anything done. I only originally went to get a tooth pull they offer all the extra stuff that they are trying to make me pay for. Can I get documentation where i agreed to pay them or please remove from credit reports.
Product: Mortgage

We fell behind on our mortgage after my husband could n't work due to XXXX. The company had worked with us before and took a partial payment of about {$3500.00} sometime in late XXXX and refused to accept a partial payment this time. In XXXX XXXX we paid our mortgage company, National Asset Advisors , LLC {$8800.00} needed to keep our home. Our balance was listed as {$0.00} Not even a month later we receive a bill saying we were delinquent {$390.00} and owed {$790.00}. At this point I discovered that my husband had asked to have our payments placed on bi-weekly schedule. This was the cause of so many late pay fees. I asked to have the payments placed back on a monthly schedule so that if late we would only pay XXXX late fee as opposed to XXXX. I was told this could n't be done. I explained that we would always be late because my payroll schedule is once a month and the amount dependent upon my quota. The company still refused to change the payment schedule and continues to tack on late fees. 
In XXXX we received a bill saying we owed the company over {$3000.00} for mortgage payment, late fees and attorney fees. I disagree with this. We had a {$0.00} balance in now we are at {$3000.00} delinquent?
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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. 


Equifax 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, credit repair services, or other personal consumer reports

Never opened an account with XXXX XXXX they are saying the account was closed right after it was opened to protect my identity but they are reporting a credit card balance on my credit report but I have never used a XXXX XXXX  credit card. This is a mistake that needs to be fixed asap.
Product: Debt collection

I disputed this account. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency
Product: Credit reporting, credit repair services, or other personal consumer reports

To start this account account is almost 10 years old.It keeps reappearing on my credit file.There are 4 XXXX XXXX in my family .Have asked for this account to be removed from my credit file as it is not mine.I have never had a XXXX account..I am currently buying a house.This needs to be removed from my report Or i will have no other choice but to seek legal recourse from damages that i have received.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX  XXXX XXXX XXXX XX/XX/XXXX {$2700.00}, XXXX XXXX XXXX XX/XX/XXXX {$160.00}, XXXX  XXXX XXXX XXXX XX/XX/XXXX {$5500.00}, XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$140.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an inquiry for a personal loan with XXXX XXXX XXXX. The bank advertised that there would be no hard credit inquiry with no impact to your credit score. I did this because I wanted to review my loan options without impacting my credit score. Therefore, I was deceived by XXXX XXXX.
Product: Student loan

I received an alert today, XX/XX/2022 regarding a Navient account. Stating that my account is reporting Delinquent causing a decline in my credit score of XXXX points. Please advise why? Per the Department of Education : Biden-XXXX Administration Extends Student Loan Pause Through XX/XX/XXXX Contact : Press Office XXXX XXXX XXXX ) XXXX, press@ed.gov Today, the U.S. Department of Education ( Department ) announced an extension of the pause on student loan repayment, interest, and collections through XX/XX/2022. While the economy continues to improve and COVID cases continue to decline, President Biden has made clear the continuing need to respond to the pandemic and its economic consequences, as well as to allow for the responsible phase-down of pandemic relief. 
The extension will provide additional time for borrowers to plan for the resumption of payments, reducing the risk of delinquency and defaults after restart. During the extension, the Department will continue to assess the financial impacts of the pandemic on student loan borrowers and to prepare to transition borrowers smoothly back into repayment. This includes allowing all borrowers with paused loans to receive a fresh start on repayment by eliminating the impact of delinquency and default and allowing them to reenter repayment in good standing. The Department will also continue to provide loan relief, including to borrowers who have been defrauded by their institutions and those eligible for relief through the Public Service Loan Forgiveness program. FSA will establish new partnerships to ensure that borrowers working in public service are automatically credited with progress toward forgiveness, eliminating paperwork that prevents many borrowers from getting help. FSA will also continue to transfer loans to servicers committed to working under new, stronger accountability rules. 
The Department of Education is committed to ensuring that student loan borrowers have a smooth transition back to repayment, said U.S. Secretary of Education XXXX XXXX. This additional extension will allow borrowers to gain more financial security as the economy continues to improve and as the nation continues to recover from the COVID-19 pandemic. It remains a top priority for the Biden-XXXX  Administration to support students, families, and borrowers especially those disproportionately impacted by the pandemic. During the pause, we will continue our preparations to give borrowers a fresh start and to ensure that all borrowers have access to repayment plans that meet their financial situations and needs. 

Delinquent Account XX/XX/2022 XXXX has appeared on your credit report. 

XXXX XXXX NAVIENT Industry Type GOVERNMENT STUDENT LOANS XXXX Address XXXX XXXX XXXX, XXXX XXXX, PA, XXXX Inquiree Address XXXX XXXX XXXX XXXX, GA, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act EXETER FINANCE LLC XXXX XXXX XXXX XXXX XXXX XXXX bank Account Number : XXXX XXXX XXXX XXXX 15 USC 1681 SECTION 602 states that I have the right to privacy 15 USC 1681 section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter certified to XXXX, XXXX, and Transunion on XX/XX/2020 I would like to know why I have not received any response. From my understanding they have 30 days to respond it is now 60 days and according to FCRA if no response all unverifiable, inaccurate information must be removed. This is causing me XXXX  as I am already getting over XXXX and I can't handle any more XXXX. I asked that you follow the law as you expect me to do and address my concerns in my letter.
Product: Credit reporting or other personal consumer reports

My father took out a credit loan to buy solar panels for his house using my identity. He forged my signature, and XXXX XXXX approved the loan, even though they sent the contract to my father ( not to me ) and never obtained my authorization. They claim the loan is valid, even though my father only had my driver 's license ( not my social security number ) and never received permission from me to use me as a cosigner. He signed all the documents without my consent. 

I have tried for years to get this removed. I have never lived at the address, never consented to the loan, and receive no benefits from itonly headaches and insults from my father and his family. The loan information is as follows : XXXX XXXX XXXX # XXXX. 

My father alleges that the seller told him I would only be listed as a financial reference, not a cosigner. In the contract, you can see that the document was signed using my father 's email. It is likely that the XXXX address will show the signing was done from XXXX, while I was in XXXX at the time. Additionally, he used only my first and last name as initials, but I always include my middle name in my initials. 

I am unsure if it is too late to have this removed from my credit, but I am certain that this company allowed my father to sign on my behalf, knowing I was not there to provide consent. If they allowed this to happen in my case, it is likely they have done so in many others. Please investigate this matter.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX & XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , INC ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act CFPA. specially, cash app failed to take timely and effective measures to prevent and address fraud pm their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting because I am really getting annoyed with the business practices of this card. I understand that it is a card for those with limited to bad credit, but the fees are outrageous. It was reported that I maxed out or exceeded my limit. I did not max out the card. The fee of {$49.00} was added to the statement, making the account {$600.00}. It was not maxed out on my end. The added fee was what gave that result of {$600.00}. I paid for an XXXX XXXX & rental with this card & was strategic on not maxing out the card. Additionally, I did not receive a reminder of payment for the first month payment. So, after only 3 days grace period, I received a $ XXXX {$45.00} charge that was reported again. All of that which is reported is not helping my credit.
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my right as a consumer.
Product: Credit card

I am asking for your help in investigating accounts where companies have inaccurately reported late payments. After reviewing my credit report, I noticed errors in certain accounts, as they should not have any late payment records. Please look into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be DELETED from my report immediately :