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

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against US Department of Education for Unauthorized Reporting of Late Payments on Student Loans To Whom It May Concern, This complaint is filed regarding the unlawful reporting practices by the US Department of Education ( US DEPT ED ) on my TransUnion credit report. My student loan account, which is currently in a documented deferment status, has been improperly reported as having late payments from XX/XX/XXXX to XX/XX/XXXX. 
Nature of the Complaint Inaccurate Reporting and Privacy Violation Under 15 USC 1681b, I retain the right to privacy regarding my personal financial information. Reporting inaccurate late payments during a deferment period violates this right. 
Violation of Consumer Protection Laws Reporting these accounts as late without permissible purpose breaches 15 USC 1681s-2, which mandates accuracy in furnishing credit data to third parties. 
Aggravated Identity Theft and Defamation The unauthorized reporting of my student loan account has caused significant emotional distress and damage to my reputation. Under 18 USC 1028A, this act constitutes aggravated identity theft through the unauthorized use of my information.

Willful Noncompliance Under 15 USC 1681n, the US Department of Education has shown willful noncompliance by knowingly reporting my account as late during deferment. 
Account Information Creditor Name : XXXX Account Number : XXXX High Balance : {$10000.00} Reported Late Payments : XX/XX/XXXX to XX/XX/XXXX Balance Owed : {$0.00} Account Status : Transferred, Closed Account Type : Educational Loan Evidence of Errors Documented Deferment Status My student loan was in deferment during the period of XX/XX/XXXX to XX/XX/XXXX. Reporting late payments during this time is a direct violation of FCRA guidelines. 
Documentation Attached I have included a copy of my deferment documentation, credit report, government-issued ID, Social Security card , and proof of address to validate my claims. 
Requested Resolution I request that TransUnion immediately remove the inaccurate late payments from my credit report for the period of XX/XX/XXXX to XX/XX/XXXX. I expect written confirmation of the correction within 10 calendar days from receipt of this complaint. Failure to resolve this matter will result in further action to protect my rights under the FCRA. 
Attachments : Deferment documentation Copy of my credit report Copy of my government-issued ID Copy of my Social Security card Proof of address Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit card

I am writing to file a complaint against Capital One regarding a recent issue with my credit card account. 

I have been diagnosed with a XXXX XXXX and have been suffering immensely over the past few months. Despite my best efforts, this illness has significantly impacted my life and emotional state. Recently, I made a payment on the Capital One website, but I was reported late to the credit bureaus. 

This is the first time I have had a late payment, and I am committed to maintaining on-time payments with my account moving forward to avoid any issues. Given my medical condition and the unique challenges it presents,
Product: Mortgage

We went into Forbearance XX/XX/XXXX due to Covid after the first six months I contacted the mortgage company requesting additional forbearance it was pending still as XX/XX/XXXX I contacted the mortgage company XX/XX/XXXX to make the payment to come out of forbearance. I was told I need to make a payment of {$26000.00} and since my second for Forbearance was never granted. We we giving no such notice nor did we received any notice to state that.and I was told I had to pay that money upfront and nothing was put on the back end of the mortgage. Ive now tried to make two additional mortgage payments the past two months and the {$26000.00} has not been deducted from my account. I am currently trying to refinance my home and this is stoping it
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting lost and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is not correct.
Product: Credit reporting or other personal consumer reports

This is crazy I've been disputing with this data furnisher for so long an he's just been mESSING my credit up .... I don't see how someone that's a data furnisher with that mush power can ruin someone credit, Even after paying the debt an STILL PUTTing down WRITTEN OFF and making other creditor not look at me. I want this account DELETED IF THIS DATA FURNISHER WANTS TO KEEP PLAYING. ( FCRA ) MUST REPORT accurate information OR DELETE THE ACCOUNT OFF CREDIT REPORT AN IM GOING TO " '' '' '' '' PUBLISH THIS ACCOUNT '' '' '' '' '' '' XXXX XXXX i will also be attaching a Picture to should you want the Data Furnisher been Furnishing
Product: Credit reporting, credit repair services, 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 XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX has violated my rights. Or 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, credit repair services, or other personal consumer reports

Its XXXX  I just got out of XXXX can u please help me I dont understand this stuff on here
Product: Debt collection

This is in reference to an alleged debt Ive been harassed and abused by Midland Credit Management for. I was notified by your company of the alleged debt again recently on XX/XX/2022. According to 15 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of your fraudulent practices with the intention to cause harm, I have suffered mentally as well as financially. Midland Credit Management and its agents harassed me for an alleged debt that was not even validated. Your Company shared statements as well as a copy of a Consumer Contract as evidence of the debt but as per the judgment in the case of XXXX Concrete F.C.U.V XXXX a copy of the Consumer Contract is not sufficient evidence of debt. Due to your continuous act of deceit, coercion, and intimidation, I am forced to take further litigation and seek compensation for damages through a competent common law court. All communications and omissions will be made part of and incorporated into any litigation arising from this matter. If any negative mark continues to report on any of my credit reports by your company or any company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act and Defamation of Character, Aggravated Identity Theft and Conspiracy. The alleged " " creditor '' reported this on my Consumer Report as " charged off. '' It means that the creditor will no longer attempt to collect this alleged debt owed by them. I would like to know for what price did you purchase this debt? I hereby grant Midland Credit Management the opportunity to amicably resolve the matter by way of doing the following ; 1. Deletion from all consumer reports 2. Clear away any alleged balance owed THIS IS NOT A REQUEST FOR CONFIRMATION THAT YOU HAVE A COPY OF AN AGREEMENT OR COPIES OF STATEMENTS. THIS IS A DEMAND FOR PROOF THAT YOU HAVE THE REQUISITE KNOWLEDGE OF THE FACTS, AND THAT THE ALLEGED CREDITOR PROVIDED ADEQUATE CONSIDERATION AND INCURRED A FINANCIAL LOSS UNDER THE FULL & COMPLETE ORIGINAL AGREEMENT. You shall be granted thirty ( 30 days to respond. If there is no response to this complaint within the prescribed time period, all legal rights shall be explored, including, but not limited to legal proceedings necessary in accordance with XXXX and XXXX laws. Thank you for your attention to this matter
Product: Vehicle loan or lease

I was charged a Title fee in my paperwork from the dealership. The bank Northwest actually holds the tile but want me to pay this fee again to get a replacement Title.

If I am to pay this Title fee again Northwest Bank will need to refund me {$15.00}. I paid this fee once Northwest Bank is in procession of my original title.
Product: Checking or savings account

Improperly closed complaints, as was documented on each. 
XXXX XXXX XXXX XXXX XXXX As amplifications on all and complaint, approximately 20 request shave sent o Fifth Third bank personnel, With repetitive erroneous comments on the interest owed ( ( as described ) The latest letter/fax was sent to the CEOs office of XXXX XXXX XXXX ( attached ) All the above should be added to this complaint ( and the prior improperly closed complaints AND pursued by the FDIC with Fifth Third Bank and published accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 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 604 A Section 2 : It also states a consumer reporting agency can not Furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently disputing a medical debt with a collection agency and hospital. I submitted a request to XXXXExperianXXXX on XX/XX/2022 to mark the debt as disputed on my credit report, but all three have not done so, and I have received no acknowledgement of my dispute or any investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently bank with XXXX and receive periodic credit updates through them and Experian. On the morning of XX/XX/XXXX, I checked my credit and saw that it had changed as follows : XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX I froze my credit with all three major credit monitoring companies in XX/XX/XXXX and have not unfrozen it since then. Furthermore, I have stayed current on all of my outstanding debts. In short, nothing has changed from what I can tell. I received a free credit report from Experian and it shows everything I have as being current. 

After a fair bit of work, I was able to speak to a representative at Experian and asked them if they can explain why they had dropped my score by 89 points and then raised it by 30 points. The representative was unable to explain it despite acknowledging that Experian owns and operates the algorithm by which credit scores are calculated. He then suggested I speak to a credit advisor to help me interpret my credit report to find out what caused my credit score to drop so much so quickly.

I do not understand how a credit monitoring agency can own and operate an algorithm to provide a credit score that enables people to operate in the modern financial world, but not be required to explain how and why that score may or may not have changed.
Product: Credit reporting or other personal consumer reports

I have accounts reporting incorrectly on my credit report they were included in a XXXX  and is reporting wrong and its my to please gets these accounts removed from my credit report for reporting inaccurately
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to you regarding account XXXX  : Open date XX/XX/XXXX Allegedly late payment XXXX XXXX XXXX XXXX : Open date XX/XX/XXXX Allegedly late payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open date XX/XX/XXXX Allegedly late payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These accounts where never late or missed payment. I have disputed the completeness and accuracy of the disputed information. I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action. 

Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to TRANSUNION dated XX/XX/2020 by certified mail. TRANSUNION received my letter XX/XX/2020. My letter was in reference to unauthorized credit inquiries on my credit report that I do not recognize. They did not have authorization to run my credit and I did not apply for credit with these companies. I took the time to contact each company listed on my credit report and none of them could give me information on where the inquiry came from nor did they have any of my information on file. They insisted they could not do anything as far as my credit report and I would have to dispute it with TRANSUNION. 

As of XX/XX/2020 this information has not been updated and it has been beyond 30 days. I included my drivers license, social security card and an updated bill to verify my personal information when I sent this letter certified and they should have been updated in a timely fashion and they have not.
Product: Money transfer, virtual currency, or money service

Chase allowed wires to be sent to a company different to the name I provided. They did this despite requiring me to provide and fill out a complete template listing the company the wires were meant to go to. The other account that was fraudulent was a bank account also with Chase. So, they knew at the time they checked the template it was not going to the company I stated on the Template. Further their response is that I put the wrong number in therefore my fault. Yet just 3 months ago they made a mistake and put {$120000.00} into my account and did not know they made the mistake for a month till I notified them. How am I responsible get the number right but they are not? In my instance they had further information to use but could not be bothered. In their deposit to me they made an identical error entering the wrong account. It has got to work both ways. Further, how can they allow an account to be opened by a fraudulent company without having checked the company out and confirm both the corporate docs and personal ID required to open an account. I can provide addition issues in my account since the Chase Data Breach in 2023. 
How is this not negligence?
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes ewgarding inaccuracies in my credit report. Despite my submissions XXXX  consistently responds within XXXX hrs stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit reporting act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation into disputes. I request that CFPB take action to ensure XXXX complies with federal law and provides consumers with necessary proof of investigation.
Product: Mortgage

I applied with this company for a refi and the appraisal process took very long because their XXXX made major mistakes. I initially received a commitment letter with just a couple of conditions which I was fine with sending. After the appraisal issue was resolved and I agreed to pay down the mortgage to meet their requirements I received another request for information that I couldn't provide without sending information I knew would not be accurate. There was no exchange or any additional documentation I gave them after the original request but they required information beyond the initial approval. Then they told me I would have to pay thousands in rate extension fees. I specifically told the originator NOT to extend my rate because rates had gone down. I wanted to let the rate expire and relock, not at the lower rate now available but at the same rate without the thousands in fees. I was told I could either pay the fees or my loan would be terminated. I simply asked they release the appraisal I had payed for to go to a different lender to avoid the fees or honor our original agreement and I would close at the higher rate. They refused both. I have been a XXXX for 23 years and have never seen this policy. It became evident it was a some type of " bait and switch '' based on a rate they never intended to honor. This is clearly a company praying on consumers who really know no better than to be baited in by their iitail quote but then pay the fees they require or they will terminate the process. I simply asked to have them release the appraisal and I would move on but they refused. Companies like this are a detriment to our industry and cause consumers harm. How many people agree to pay their additional fees that are not disclosed because they do not have the knowledge I do with my industry experience. If they simply allowed me to take my appraisal to another lender or honor the current higher than market rate I would have moved forward. In my opinion these internet based companies are a detriment to honest lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX, XXXX and TRANSUNION has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.
Product: Debt collection

XXXX XXXX did a contract with person whom was not me to purchase cell service in XXXX XXXX NV and I live in XXXX Al. The account was established in XXXX and place in collections by XXXX for none payment. Harris & Harris collections agency place a collections on my credit report.
Product: Credit reporting or other personal consumer reports

I'm requesting that these inquiries be deleted off of my credit report because I don't recognize any of the transactions nor did I authorize these companies to run my credit and that is a fraudulent act. Dates ranging from XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is a Credit card with XXXX XXXX XXXX XXXXeported to EQUIFAX, the limit is XXXX, Im authorized user, but, I have no idea what is this, and its affecting my credit score, my level of indebtedness long time ago. 

Account number start with XXXX Account status : Open Open date : XX/XX/2011 Type : Credit Card Balance : XXXX - 95 % of the account limit. 

There is a big mistake here, because Ive never authorized this transaction and it is affecting a lot my credit score. 

Ive called and they dont give me an answer, because they dont find the information, but, I just checked my credit report and it appears always in EQUIFAX report XXXX
Product: Money transfer, virtual currency, or money service

- I used XXXX  ( formally TransferWise ) to send money internationally. 

- I sent {$4000.00} from my account in the US to my friend 's account in XXXX. The source account in the US has me and my friend as signatories. 

details : XX/XX/2021 TransferWise Inc / TrnWise ACH Trans - {$4000.00} - the money never arrived. it has been more than 2 weeks now. 

- XXXX claim the money was transferred successfully. I sent them a copy of my friends account printout in XXXX showing no such success. 

- XXXX claim the money is stuck in the receiving bank ( XXXX XXXX XXXX  XXXX ). they are probably right, who knows. But as far as I am concerned the transfer I hired them to do, was never completed and it is THEIR job to make sure it is complete. 

- As a response to me nagging them for days about this vanished {$4000.00}, Wise, very wisely, CLOSED MY ACCOUNT with no further explanation. 

- I demand that they wil do whatever it takes to COMPLETE the transaction or refund my {$4000.00} - I demand an explanation ( they refused to provide one ) why they closed my account. They mumbled something about " regulation I broke ''. Not sure what would be that.
Product: Money transfer, virtual currency, or money service

Ally bank issued cashier 's check on XX/XX/2018 for XXXX from my checking account, and it did not arrive in time to be used due to deadline. Requested the check be returned to account. It has been almost a year now, and they still wont return the money without continuing dragging of feet like requesting the check be returned to a post office box that will not accept certified mail, signed, listed as not used for purpose, and with a letter of instruction requesting where the funds are to be deposited.
Product: Vehicle loan or lease

XX/XX/XXXX bought a XXXX XXXX XXXX XXXX from Harley Davidson of West Virginia. It was a Friday night my bank was closed already. The dealer talked us into going ahead a financing thru Harley Davidson even though their interest rate at the time was 14.14 % even after he had checked my credit score and saw that I had a XXXX and told us that it was the rate HD was offering at that time and that on Monday morning when my bank opened we would be able to refinance with them. My bank has informed me that they were not able to finance because XXXX value was well below the amount they had charged us. XXXX value was {$28000.00} and our Bill of sale was for {$43000.00}. 
We had found from XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX after calling and trying to get them to refinance had told us that they don't refinance their own loans and had fired the manager and the person who did the Financing paperwork. I called HD of West Virginia talked to the new manager explained the situation about the XXXX value issue they worked up a new bill of sale added additional parts to the bill of sale that were on the bike to try to get the value of the bike higher so my bank would refinance for us, it didn't help. We have been making every payment of {$810.00} every month since XX/XX/XXXX. Hoping to eventually be able to refinance, it has been a slight struggle making ends meet.
Product: Credit card

They put a unauthorized charge of {$590.00} for a balance transfer on XXXX/XXXX/2016. 
The bank that they claim they paid has not been credited to my other account.. 
I requested on XXXX/XXXX/2016 that a balance transfer of {$620.00} be canceled. 
I have had a extra XXXX charged on my account with nothing to show for it while being billed for interest on the same money they say they paid.