23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Shellpoint 's website constantly shows no loans and when entering the requested information to " access loans, '' the system says " Something went wrong. Please try again later. '' I have been trying to file our taxes for weeks and every time I try to access the tax documentation from the mortgage servicer, I can't access the information despite being logged in. They need to fix this issue.
Product: Credit reporting or other personal consumer reports

I received my credit report in XXXX of 2024, and I discovered my personal information was being inaccurately reported to my consumer file. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Please see the dispute letters uploaded so you can update my correct personal information.
Product: Credit reporting

There is a bogus address listing on my credit reports - I have never lived outside XXXX. There is an XXXX address listed, per my XXXX provider -when they pulled up my name.??? Help!
Product: Debt collection

i called the debt colletor and paid in full {$100.00} plus fees for XXXX and also paid {$100.00} plus fees on another acount, and my credit report still shows that the one that was paid in full is still in collections. I called them and they said it wil not go off my credit report until the other XXXX collections from that same collection company is paid off in full.. and the guy told me it would go off my credit report and raise my score but it didnt, please help, thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal financial information was compromised during the security breach of millions of people 's information at Equifax in XXXX 2017.
Product: Credit reporting or other personal consumer reports

I received a letter from XXXX on XX/XX/XXXX stating Congratulations! The Biden-Harris Administration has forgiven some or all of your federal student loan ( s ) with XXXX in full. This debt relief was processed as part of the Biden-Harris Administrations one-time account adjustment because your student loan ( s ) have been in repayment of at least 20 or 25 years. An adjustment to your account updated the number of payments that qualify towards income-driven repayment ( IDR ) forgiveness. This forgiveness is effective as of XX/XX/XXXX. 
I have called XXXX several times enquiring about the timeframe it would take for this to come off my credit report and I was told that it could take up to 3 months. I have checked my report every month sense receiving this letter with no change. Customer service with XXXX can not tell me any date and keeps giving me the runaround transferring me to different departments but no answers are given. It has been 6 months and I feel that is ample time to have this issue resolved and my credit report should be updated to reflect the loan has been forgiven.
Product: Mortgage

Last year i got fully verifed letter from Quicken loans that said on it '' as good as cash '' then i won the bid on a Hud home on XXXX XXXX ca and then my relator told me we needed a appraisal done, the appraisal looked faulty and was told water damage in the kitchen need to be fixed and the only way was with a esscrow hold back. So i called quicken and they said they dont ever do esscrow hold backs which did seem like as good as cash. this all happen XX/XX/2018. Two weeks ago i was on XXXX  XXXX and seen it was back in the market so i called my dad who was in relastate so he could look up buyer and seller, he got realy mad ..then a few days later i whent back on XXXX XXXX and the dates all changed on buyers history and it no longer showes the date when my bid was excepted when before it said pending. 

It was first time i was ever in a postion to own and flip a house or just own and if i was a victim of dihonest practice i should be comfisated, the house has went up over XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On the Credit Karma website it shows that I have 6 hard inquiries with XXXX. I am angry that Credit Karma enticed me into applying for many credit cards. They say that checking my credit score wont hurt my score but then I was given many credit cards to  apply for. I had no idea that by applying ( on CK website ) for the credit cards on their website ( and now I realize the were just advertisements ). I am angry that this information wasnt available. At the time I applied for many credit cards thinking it wouldnt hurt to see if I qualified. But it did hurt my XXXX score. I feel that I was tricked into applying ( for the advertisements on the Credit Karma website I am asking that all hard inquiries be removed from XXXX because I was tricked into applying on Credit Karma many times for many credit card offers, thinking that I would have no impact on my credit score. Ive noticed that Credit Karma has more information that is more clear about what thing effect a persons credit score. The information was NOT clearly visible and that is why I have many hard inquiries,, because that information was NOT clear t the time I applied to their advertisements for credit cards. Again Im asking hat all hard inquiries be removed from both XXXX and XXXX & all scoring agencies
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been dealing with the consumer reporting agencies about aggravated identity theft. Reporting unauthorized information to any consumer report is fraudulent and a violation of both state and federal laws. I am here on the cfpb to make this issue be known. I did not provide the companies referenced in the attached letter with consent to share my credit card ( ID, SSN, etc ) or any other nonpublic financial information with another entity and I did NOT give the consumer reporting agencies [ XXXX, XXXX, Transunion ] expressed written consent to report the information. This concludes to IDENTITY THEFT. I am demanding that this information be blocked. The accounts are also noted below : XXXX. 
XXXX  XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account number : XXXX
Product: Debt collection

I have a collection company XXXX XXXX XXXX XXXX XXXX that is harassing me and my family. I had XXXX XXXX Credit Card that I paid off years ago 2012. They are threatening me when trying to get information they scream at me and hang up on me. I look up on their website nothing about this company. They refuse to send me information and threatening if I don't pay. I have reached out to bank nothing on my credit report regarding this.
Product: Credit card or prepaid card

I applied for a Synchrony XXXX credit card to purchase furniture and was approved for XXXX. After using the card I have made all my payments on time for the past year, even paying a little more than the minimum due to payoff before the promo ended. Right before the promo was expected to end the company decreased my available amount from XXXX to XXXX ( which is an old number ). So now I missed the promo date and all the interest was added to the account. Every month now the card is overdrawn due to interest. I even tried making a triple payment but that did not help. I am pretty sure now all of this negative activity is affecting my credit. Not sure why my available amount was decreased.
Product: Bank account or service

On XX/XX/XXXX, I reported to USAA bank that my card was lost, on the same day that it was lost. I was told that my account was closed and they and they were going to refund me the {$200.00} that was in my account in the next 30 days. When I called on XX/XX/XXXX they told me the account was still open. We got conflicting stories from various USAA customer service people. On XX/XX/XXXX they told me the check from XXXX XXXX from XXXX XXXX XXXX, XXXX 2011 for {$6300.00} was deposited into the account. I told them that " this was not my money, do not cash that check. '' I tried to log into my mobile app and is said " For security reasons my account is temporarily closed. '' On the next day I was told a check for {$1000.00} had been withdrawn. I asked them why did you permit this withdrawal when there was only {$200.00}. in the account. I was told " It is because you have such great credit. '' On XXXX XXXX I spoke with a manager at USAA and they said " I was responsible for any deposit that were made. '' I then received a letter in the mail that showed it has a signature which is printed, and contains information inconsistent with all previous deposits I have made. I have asked if they have investigated the situation, and looked into the person who deposited the check, and the money that was withdrawn in Ohio ( even though I live in XXXX ). The bank has told me there has been an investigation but refused to share any information. The bank repeatedly insists I am responsible for this money, even though I did all of my due diligence, informing the bank that the card was missing, that the deposit was fraudulent and should not be cashed. I was treated disrespectfully throughout, and was spoken to in a rude manner every time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a account with wayfair/Comenty bank, ( Comenity bank XXXX XXXX XXXX XXXX, Ohio XXXX ) they are the ones who turned this in to the credit agencies XX/XX/XXXX I had a PERFECT payment record until XX/XX/XXXX, towards the end of XX/XX/XXXX my Father was diagnosed with terminal XXXX XXXX I live in Wyoming I Immediately flew back to Indiana to be with my family he had a emergency Operation around the first of XX/XX/XXXX it didn't go good he died a couple weeks later on XX/XX/XXXX this was a Very traumatic event I can send death Certificate if necessary it was during this time for the first time EVER I was late when I got back to Wyoming the XXXX of XXXX and immediately made my payment now is when my problem begins Comenity bank turned this into the credit reporting agency 's didn't know this unit sometime later when trying to acquire loan I contacted Comenity bank trying to explain my situation that's when the problem started they have lost my account, Number XXXX comenity bank/ Wayfair were in the process of parting ways I was cought in the middle I contacted both comenity and wayfair they have no account information I have been going through a credit repair program but this bad report is still on my XXXX report I need it removed Please help me
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I purchased gun safety box from XXXX XXXX in the amount of {$99.00}. 
I found it online, made a PayPal payment and was promised to get email confirmation/shipping details after the payment goes through. I waited for few days and did not receive a confirmation. I did reach out to PayPal to dispute the transaction. However, PayPal did not accept my dispute saying the sale was a Gift card not a Safety box. I did explain fraudulent advertising and transaction details, yet PayPal did not accept my dispute, and closed the case declining PayPal advertised purchase protection. 
As of today i paid {$99.00} for the item i never received ; and can not get my money back because PayPal does not want to review the case.
Product: Debt collection

So First Credit Services Inc continues to call my number looking to collect a debt but it is not my debt it is the person who had the phone number before me XXXX XXXX. They ring the cell phone and i call back and ask them not to call. And they continue to I threatened to contact the CFPB today and they said they would stop but then i got another call from another one of their collectors. I need this to stop I am not XXXX XXXX and Id love to get a hold of this guy as the number of shady businesses he was involved in is amazing- I have been getting calls for months looking for him as change his number but I want this company stopped as ive had enough I am getting multiple calls from them as well as other Financial agencies trying to find this guy he is in debt to multiple lenders and banks and he has other financial agencies still trying to lend him money
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A. Section : It also states a consumer reporting agency can not furnish an 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: Debt collection

Letter from XXXX XXXX, In XXXX Texas amd XXXX Id phone XXXX I received a bill for UNKNOWN services ... supposedly XXXX..never did any busness with them. The amt was for {>= $1,000,000}. But if i paid NOW it would be only {$19000.00}! 

Their account number for me ... .. account Number XXXX. Came from XXXX XXXX I called to see if they were a real company wanted more info from me ... .including mu Social Secirty number. 

These people are obviosly crooks. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

stating XXXX XXXX day late payments to credit bureau and 2 XXXX days late payments sent wrong payment history refused any other action wont publish the repayment plan of 1 whole payment and a half i paid for over six months straight on XX/XX/2020 right at covid on unemployement, another bank bought there note and i paid it off XXXX see attached
Product: Credit reporting, credit repair services, or other personal consumer reports

As dated, XX/XX/2023, I'm aware TransUnion, LLC furnish my Consumer Report without permissible purpose that's not allowed by law. See attachments. XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2020 and I have not received a response from them. I'm hoping CFPB can help me with getting a response from them. it has been more than 30 days and i understand there is delay in receiving mail due to Covid19. But this is so crazy. The inaccurate information on my report is hurting my credit. i'm reaching out to you for help. If they are unable to complete their investigation within the required time or if they find the items can not be verified the items must be removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have still items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$7400.00} XXXX  XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Reference # XXXX Date Filed : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reference # XXXX Date Filed : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting

Describe what happened so we can understand the issue ... 
Summary : I am demanding that Experian remove XXXX XXXX account XXXX from my credit report. Instead Experian is ignoring the will of the court and placing undue burden on me by demanding I have a lawyer contact them in writing demanding removal of the account. 

Details : Experian is publishing a XXXX Revolving Line of Credit account ( ending in XXXX ) that XXXX Count District Court ruled on XXXX XXXX 2016 was not my responsibility. In addition I was awarded {$5000.00} in consequential damages for the continued reporting of that account by XXXX XXXX ( reference attached XXXX County District Court case number XXXX ). Experian received proper notice of the case in XX/XX/XXXX and proper notice of the court findings and judgment on XXXX XXXX. Experian has failed to take action or acknowledge receipt of the findings and judgment. Despite proper legal notification of the court finding that I am not responsible for this account Experian has not removed the account from my credit report. It is my understanding that consumer credit bureaus are obligated to respond to dispute requests. I am filing this complaint because I believe Experian is attempting to improperly avoiding it 's legal communication and reporting obligations.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against TransUnion for failing to correct inaccurate personal information on my credit report. I sent a certified dispute letter addressing these errors, which was received by TransUnion on XX/XX/scrub>XXXX XXXX XXXX  ( tracking number XXXX ). Despite receiving this letter, TransUnion has failed to correct the inaccuracies. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which obligates credit reporting agencies to investigate and correct any disputed information within 30 days of receiving the request. Additionally, this failure to act may also violate the provisions against Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the Dodd-Frank Act, 12 U.S.C. 5531.

I will be uploading the certified mail tracking details and proof of delivery to support my claim. I request that the CFPB ensures TransUnion complies with its legal obligations and corrects my personal information as requested.
Product: Debt collection

Under the Fair Credit Reporting Act, specifically Section 611 ( a ) [ 15 USC 1681i ( a ) ], if a consumer disputes the accuracy of the information in their credit file, the consumer reporting agency is required to conduct a reasonable reinvestigation of the disputed information. If the information is inaccurate, the agency must correct or delete it within 30 days of receiving the dispute. This section also mandates that the agency must provide prompt notice of the dispute to the furnisher of the information. If the consumer requests, the agency should provide the names, addresses, and telephone numbers of the persons contacted during the reinvestigation. However, during the reinvestigation period, the disputed information isn't required to be removed from the credit report. Instead, if the investigation does not resolve the dispute, the consumer can request that a statement of the dispute be included in their file and future reports. 
XXXX XXXXXXXX XXXX XXXXXXXX {$3200.00} late payments removed, XXXXXXXX XXXX XXXX XXXXXXXX {$1900.00} and late payments, XXXXXXXX XXXX XXXX  XXXX {$5000.00} and late payments, XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$6000.00} and late payments, XXXXXXXX XXXX XXXXXXXX {$3000.00} and remove late payments, XXXX XXXX XXXX XXXX {$330.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$240.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, This " creditor '' has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 b. 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: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions.
Product: Credit card or prepaid card

On XX/XX/XXXX I submitted an application for a secured credit card with Capital One because XXXX XXXX said that my chances were excellent however I when I completed the application it had redirected to a regular credit card and I was denied and a hard pool was done on my credit file and there was not supposed to be one. XXXX XXXX used misleading information and this whole thing is just XXXX
Product: Credit reporting or other personal consumer reports

I can't get my credit score from XXXX credit companies. I had a score of XXXX in XXXX of XXXX  and the following months ( XXXX, XXXX, XXXX, XXXX, and XXXX ) all say XXXX. I've never had this issue. I don't know what to do because this is hindering me from getting anything. My telephone number is XXXX.