23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was a student at XXXX college from XX/XX/XXXX -XX/XX/XXXX, I was given false information by recruiter stating the school offer job placement and would pay for students to receive state certification, which did not happen. I was contact XX/XX/XXXX by XXXX XXXX offering my loan to be put in the loan forgiveness plan using the income driven repayment option, and since then my account has accrued more interest which is ruining my credit by report false information to credit bureau which caused me to be denied when trying to refinance my home, while speaking to the gentleman he informed me that the school was still receiving founds for me in XX/XX/XXXX but I had graduated 3yrs prior, he told me, I need to fax a copy of my diploma showing when I graduated and they could look into it, I fax a copy and never heard anything back I tried several times to contact someone from the agency, but was place on hold until had to disconnect the call or hang up on me when I call to get information.
Product: Credit reporting or other personal consumer reports

Ive recently check my credit report and noticed this inaccurate account reporting. 

*See attachments*
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank The account was paid in full in XXXX ( online ). Apparently, there were residual finance charges of a few dollars that were added after I paid the account in full and was unaware of these finance charges. When I became aware, I paid them. They have DESTROYED my perfect payment history by reporting historical 30 days late for XX/XX/2022. Technically, no payment was late and it is illegal to report late payments on residual finance charges. I have asked them to update and remove the 30 day late reference which they refuse.
Product: Debt collection

I have 2 collections reporting on my credit from National Credit Systems that are not mine and are a result of identity theft. I have tried in good faith to address this with them directly. I sent in the required identity theft affidavit along with supporting documentation. After a 30 day investigation, collection items remain on my credit report. National Credit Systems sent a copy of the lease. Its obvious its not my signature not correct middle name in the copy of the lease provided. I would like these collection items to be removed from my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion by phone as well as by physical mail concerning several inquiries on my credit report that do not belong to me. I did not receive any response to my letter and the representatives I spoke with at Transunion were unhelpful as well. 

The inquiries are as follows : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XXXX    , I submitted a request to Experian that they provide the method of verification on  XXXX  inaccurate accounts listed on my credit profile. This request was sent via certified mail and Experian received my request on   XXXX  . As of  X/X/17   , I have not received the requested information from Experian and the inaccurate accounts still remain on my credit profile and the results still remain as pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONTACTED COMPLETE CREDIT SOLUTIONS ABOUT AN ACCOUNT ON MY CREDIT REPORT THAT I DIDNT AUTHORIZE. I SPOKE TO XXXX XXXX AND EXPLAINED THAT I DIDNT AUTHORIZE ANYONE TO OPEN AN ACCOUNT IN MY NAME FOR SECURITY SYSTEM. WE SPOKE ON SEVERAL OCCASIONS ABOUT THE ACCOUNT AND I ASKED FOR ANY PAPERWORK THAT VALIDATES THE ACCOUNT OR ORIGINAL PAPERWORK ALLOWING THEM TO COLLECT A DEBT FROM ME. MR XXXX WAS SUPPOSE TO EMAIL ME THE DOCUMENTS ON 2 OCCASIONS BUT I STILL HAVENT RECEIVED THEM AS OF NOW. SO I AM FILING THIS COMPLAINT IN ORDER TO GET MY CREDIT IN ORDER. I AM ATTACHING THE ACTUAL LETTER THAT I SENT TO COM CRED SOL AND THE DOCUMENTATION THAT I ASKED FOR. I EXPLAINED TO MR. XXXX THAT IF HE COULD PROVIDE THOSE DOCUMENTS THAT I COULD HANDLE THE MATTER DIRECTLY WITH PROTECT AMERICA. I AM FILING THIS REPORT ID THEFT BECAUSE HE SAID THAT THERE WAS OVER A YEAR OF PAYMENTS MADE TO THIS ACCOUNT. I HAVE NEVER SENT ANY MONEY TO PROTECT AMERICA OR COMPLETE CREDIT SOLUTIONS. ANY TRANSACTIONS ARE A RESULT OF IDENITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. BANK OF AMERICA Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 : filed dispute w/Equifax - XXXX card shows on my credit report, but does not have my SS # or name. Since I filed dispute I have been on the phone daily for last 2 weeks trying to get this resolved. With XXXX & Equifax personnel. 

This is relatively simple in my mind, I'm doing refinance on my home and all this is holding that process up. 

Equifax says I can't get info on the process of the dispute, I tried numerous times. 

I asked XXXX after verifying they don't have acct. with my name ( s ) or SS # but I can not get letter from them so I can close my loan.
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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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: Mortgage

My home is in the disaster area and I was affected by the recent fires in CA. As a result of the disaster and evacuations, my income was affected, which directly affected my plan to reinstate my mortgage. Today I contacted Seterus & applied for a Disaster Forbearance, as well as requested a new reinstatement amount. I accepted the Disaster Forbearance after the representative reviewed it with me. The request was approved by a supervisor. I am waiting to hear back from Seterus regarding the further details of the forbearance and reinstatement amount. Since, there was recently a sale date set within the next 10 days, I would like to be sure that Seterus and the Foreclosure attorney is aware of my Forbearance request.
Product: Mortgage

In XX/XX/XXXX I went to the XXXX XXXX branch located in XXXX  XXXX, CA with my mortgage payment slip, as I always do each month to make my payment at the branch. The bank teller could not locate my loan in the system. A bank manager made a few phone calls and discovered my loan had been sold. I never received any written notice from XXXX XXXX my mortgage loan had been sold or to whom. While I was at the bank I talk to a person name XXXX, who gave me an address to mail my XXXX payment to ( that address did not exist according to the USPS ), she also told me I would receive a letter from XXXX XXXX and a new loan welcome package from the company who my loan was sold to. I never received either. I sent a letter and payment to a address I found on line requesting information about my loan. The only information I received was a one page letter dated XX/XX/XXXX from Rushmore Home Management LLC stating they didn't have any information other than the owner of my loan is XXXX XXXX XXXX XXXX XXXX and they would review the matter, and I would receive information from them within 30 days. As of XX/XX/XXXX, I have not received any information from XXXX XXXX XXXX XXXX XXXX, or Rushmore Home Management LLC and/or XXXX XXXX. I have sent several certified letters including payments to Rushmore, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX but no one has responded or returned the checks. I also sent proper Error Resolution Notice under 12 C.F.R. 1024.35 to both XXXX XXXX and Rushmore ; my written Notices of Error, Requests for Information and Complaints to the correct address, according to their web site : Rushmore Loan Management Services LLC, XXXX XXXX   XXXX, XXXX, CA XXXX, Re : Error Resolution Notice under 12 C.F.R. 1024.35. I never received a response to my letter and Notices of Error, Requests for Information. 

By the way, I also sent a certified letter to XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX with my mortgage payment enclosed and a copy of the letter I received from Rushmore Home Management LLC dated XX/XX/XXXX. They never responded to my letter and the checks were never returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$19000.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Request for Removal of Student Loan Accounts from Credit Report Dear Credit Reporting Agency, I am writing to formally request the removal of several student loan accounts from my credit reports maintained by your agency. This request is submitted under the provisions of the Fair Credit Reporting Act ( FCRA ) and the Servicemembers Civil Relief Act ( SCRA ).

Details of the Request : Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681c : Requires that outdated adverse information be removed from consumer credit reports.

15 U.S. Code 1681b ( c ) : Provides consumers with the right to dispute inaccurate or outdated information.

Public Law 91-506, Title VI, Section 611, Subsection A-D : Mandates credit reporting agencies to investigate and correct inaccurate or incomplete information in a timely manner.

Servicemembers Civil Relief Act ( SCRA ) : As an active-duty service member, I am entitled to protections under the SCRA that include the accurate reporting of my financial obligations and benefits.

Issue : The student loan accounts in question are adversely affecting my credit score and financial standing. These accounts are either inaccurately reported, outdated, or should be removed under the provisions of the FCRA and SCRA.

Action Requested : I request the immediate removal of the specified student loan accounts from my credit reports. 

Accounts in Question : 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 Previous Correspondence : This request follows previous attempts to correct these inaccuracies directly with the credit reporting agencies, which have not been resolved satisfactorily.

Thank you for your prompt attention to this matter. Ensuring the accuracy of my credit report is crucial for maintaining my financial stability and compliance with my rights under the FCRA and SCRA.
Product: Credit reporting or other personal consumer reports

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligator or a credit issued to the obligor.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has not been verified according to FCRA, FDCPA, Federal and State consumer laws.
Product: Debt collection

This company has called my landline twice asking for an individual that is not associated with landline.
Product: Credit card or prepaid card

Wells Fargo N.A. has trapped my balances and per their allocation rules will not apply payments to pay off my balance transfers despite making payments well above the minimum payments. Wells Fargo allocates payments across all balance transfers first across those balances with the highest interest rate per federal guidelines. However, when all balances are of equal APR, payments are allocated to balances equally rather than allocating to the expiring balance. This traps my balances until I pay off all the balance transfer amounts, and I end up paying interest every day for balances I have already paid balance transfer fees on. I have contacted Wells Fargo about my concern with their payment allocation rules, and they have agreed to refund some of the interest accrued. However, they will not waive the ongoing interest I will accrue until I pay off the balance. I understand that this payment allocation is per their terms and conditions. However, it is not in the spirit of our agreement. The point of the balance transfer is to pay upfront fees to avoid accruing steeper interest rates and reduce debt. By trapping my balances, Wells Fargo has violated the trust I put in them to aid me in paying down significant credit card debt. I think this is a predatory practice, and Wells Fargo should adopt a different payment allocation practice for balance transfers. Wells Fargo should look out for its customers and in the situation of multiple balances with the same APR, they should allocate payments to the balance expiring the soonest. Otherwise, consumers risk trapping their balances and facing higher interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

a couple of months ago, i was in the market for a new bed, and curacao gave me a credit limit increase so i could purchase it from them. i have made every payment as agreed, to them as well as to my other creditors. curacao just recently decreased my credit limit to its original XXXX, causing my credit score to be affected. i never received a letter with a reason for the decrease in my credit limit. i would like them to explain why they decided to hurt my credit score.
Product: Checking or savings account

On Wednesday XX/XX/XXXX I wrote a check from my account at XXXX XXXX to my account at Bank of America. On XX/XX/XXXX when I went to check I saw that XXXX had processed the check but Bank of America had a hold on the funds until XX/XX/XXXX. I have been an account holder since 1991 with no history of bounced checks. This is a check from me ... .to me ... .there is no reason for the bank to hold this large amount of money from me that was my money in the first place, except to make money on my money in an unethical way. I have spoken to two people who can NOT give me a reason for this hold except to say that when I deposited it I didn't sign the back of the check I had written to myself. Seriously, that is the only reason they could come up with. This is usury by the bank.
Product: Debt collection

This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. After that I sent you the attached letter and I never got a sufficient response. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all papework you have on this account so i can review the accuracy of your reporting. You are a financial institution identified in 15 U.S. Code 1681a ( t ) Financial Institution.The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. For the record I do know and understand by law, who you are and who I am. 
1. I would like to see your GAAP ( general acceptance accountability principles ) which is your paper trail from where/when it came directly from your account. 
2. I also want to know who is the original creditor? 
3. I am also requesting the Individual Masterfile ( IMF ) pursuant to 15 USC 1681G this should contain every payment I ever made, the original wet signature contract, not a copy or printouts, it should also contain info on where you got it, how you got it, and when it was stored. If dont get this its a violation 4. Also I do not recall you CLEARLY and CONSPICUOUSLY disclosing to me the CONSUMER my right to opt out according to.
Product: Credit reporting, credit repair services, or other personal consumer reports

These account are not mines. I have disputed them over and over and have sent over FTC report to the credit bureau and notify them to remove this inquiry. Please follow the FCRa rules that states any improper information on my credit should be removed within XXXX  days immediately I am stating that it is not mind and I am also using legal law to show that it is not mines so please follow this law and remove these inquiries below. I will state each inquiry that needs to be removed. 





( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking  system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 


XXXX LEASE ONLY NOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX LEASE ONLY XXXX
Product: Credit reporting or other personal consumer reports

During a routine review of my credit reports from TransUnion, XXXX, and XXXX, I identified several discrepancies and inaccuracies that appear to violate the Fair Credit Reporting Act ( FCRA ). These errors have potentially damaging impacts on my credit score and financial opportunities. 

Discrepancies in Account Totals : I noticed that the total number of accounts reported varies significantly across the bureaus. TransUnion reported 30 total accounts, XXXX reported 27, and XXXX reported 18. These inconsistencies suggest a lack of adherence to the FCRA 's requirement for accuracy. 
Incorrect Reporting of Delinquencies : XXXX XXXX report includes two delinquent accounts that are not listed on either the TransUnion or XXXX reports. This issue was first noticed in my latest report dated XX/XX/2024. 
Variation in Derogatory Marks : There is a wide variation in the reporting of derogatory marks and collections among the credit bureaus, with TransUnion listing 11 derogatory accounts and 2 collections, XXXX listing 9 derogatory accounts and no collections, and XXXX listing only 2 derogatory accounts. 
Inconsistent Balances and Payments : The reported balances and monthly payments differ significantly across the credit bureaus, which could mislead potential creditors about my actual financial responsibilities and status. 
Variations in Credit Inquiries : The number of credit inquiries reported over the last two years also significantly differs among the bureaus ( 10 by TransUnion, 14 by XXXX, and 3 by XXXX ). 
These issues were identified through personal document reviews and cross-referencing of reports from the three bureaus over the past few months. I have already initiated disputes with each of the credit reporting agencies but believe the systemic nature of these inaccuracies warrants a closer examination and regulatory intervention by the CFPB.