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

This memo serves you as my official consumer COMPLAINT regarding your injurious and unlawful reporting of an item that is either or all of being UNTRUE, INACCURATE, INCOMPLETE, UNVERIFIABLE, INVALID, NOT COMPLIANT to perfect and full XXXX XXXX format reporting, and/or NOT CERTIFIED as one or more as is MANDATORY for lawful reporting of ANY claim of derogatory and/or delinquency against any consumer, OR NOT! 

You have listed a derogatory and/or delinquent student loan on my credit file as noted below. I hereby rightfully request and DEMAND that you immediately and until certifiably compliant, remove and block this misinformation in full accordance with regulatory laws and standards of reporting, including but NOT limited to the adequate aspects of the FCRA, FDCPA, and mandatorily perfect correct XXXX XXXX format reporting compliance. 

This declaration serves as my request that you CHECK for absolute and undoubted VALIDITY of claim ( XXXX ), physically verifiable and CERTIFIED XXXX XXXX compliant reporting of the validated claim ( s ), and to accept my DISPUTE of any UNTRUTHS, INACCURACIES, and/or INCOMPLETENESSES of physically verifiable validity, as well as to accept my call against any claim that is suspect in its perfect XXXX  XXXX compliant reporting. 

Any missing and/or insufficient aspects of validity and/or compliance OR any UNTIMELINESS of its demonstration are rightful grounds for me to DEMAND and COMPEL you to BE FULLY compliant in your reporting or else accept that I will seek suitable resolution and monetary relief in a civil court nearest and most favorable for me. 

In accord with FCRA 611 ( a ) ( 7 ), you are specifically REQUIRED to present a document description of the precise and adequate procedure ( s ) utilized by your agency in providing and obtaining this particular derogatory and/or delinquent student loan, including if it was obtained by a Third-Party originator and/or HOW WAS IT HANDLED and/or TRANSFERRED to and/or BY your firm.
Product: Student loan

I requested a refund from EdFinancial on XX/XX/2022 and have yet to receive any follow up or refund from them. Other loan providers are providing refunds in much less time than what EdFinancial is trying to give refunds in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, disputed an account with XXXX XXXXXXXX with Experian. After their investigation, it came back verified. XXXX XXXXXXXX is a collection company that is collecting a debt for XXXX. XXXX  sent me a letter addressed to XXXX XXXX. That is not my name. I forwarded this letter to Experian to let them know this information is incorrect. They said it again came back verified. I asked them how it was verified and they were not able to provide that information to me.
Product: Debt collection

Hello. I disputed a medical debt collections {$180.00} on XX/XX/XXXX and the estimated date to be finished was XX/XX/XXXX. As of today, it still says pending, and on my credit report it says consumer disputes-reinvestigation in progress, this was well over a year ago through Equifax. XXXX  and XXXX were kind enough to delete the debt as its not mine, but it had taken Equifax over a year. I want this deleted off my report.
Product: Credit card or prepaid card

Ive sent letters to this company about my family unforeseen burden I have submitted supporting documents still awaiting a response
Product: Mortgage

I am filing this complaint because Nationstar Mortgage LLC purchased hazard insurance when my mortgage was transferred from XXXX in XXXX of 2015. I have had continuous homeowners insurance coverage through XXXX XXXX. I have provided proof of insurance to Nationstar, and I am still waiting for confirmation that the hazard insurance payments will be waived. When I call Nationstar Mortgage LLC, the phone bank employees : a ) can not find proof of insurance documents that I uploaded to their website, b ) can not locate documents that were FAX 'd to Nationstar by my insurance company, c ) can not locate the documents that I mailed by certified mail, d ) claim that my insurance has had a lapse of payments, e ) refuse to escalate phone calls to supervisors, and f ) if they have trouble speaking fluent english they refuse to transfer the call to someone who can speak fluent english.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on Account # XXXX Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion XXXX The account in question is managed by XXXX XXXX ( Account # XXXX ). I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are incorrect. I have consistently made my payments on time, as my records show I have been enrolled in autopay for this account since its inception. 
TransUnion : Reports late payments for the following months : XXXX : XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX : Reports late payments for the following months : XXXX : XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX : Reports late payments for the following months : XXXX : XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 
Discrepancies Across Bureaus : Date Opened : Discrepancies between TransUnion ( XX/XX/XXXX ) and XXXX XXXX XX/XX/XXXX ). 
XXXX XXXX : Differing statuses for the same period. XXXX 's report of " Late 180 Days '' conflicts with TransUnion and XXXX 's " Late 120 Days. '' Last Reported Date : TransUnion and XXXX show XX/XX/XXXX, while XXXX lists XX/XX/XXXX. 
Date Last Active : Significant inconsistency between bureaus, with TransUnion showing XX/XX/XXXX, XXXX showing XX/XX/XXXX, and XXXX showing XX/XX/XXXX. 
Date of Last Payment : TransUnion and XXXX list XX/XX/XXXX, while XXXX lists XX/XX/XXXX. 
Violation of Federal Laws : Fair Credit Reporting Act ( FCRA ) : Sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2 require credit reporting agencies and furnishers to ensure accurate information. These inconsistencies represent a clear violation. 
Truth in Lending Act ( XXXX ) : Mandates accurate reporting of credit terms and payment information, which has not been upheld here. 
Requested Resolution : I kindly request that TransUnion conduct a thorough investigation into this matter and : Remove the inaccurate late payments from my credit report. 
Correct the discrepancies in dates and payment history. 
Update the payment history to reflect my consistent on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue XXXX lead to further action to protect my rights as a consumer. 
Attachments : Payment records demonstrating on-time payments. 
Screenshot of current credit report entries highlighting discrepancies ( attached for reference ). 
Supporting documents related to autopay enrollment. 
Thank you for your prompt attention to this matter. I look forward to a resolution soon. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

I called Capital One multiple times to try and submit a dispute/chargeback for a product I bought that did n't meet standard. I called multiple times to try and initiate a " case '' against the merchant, but each time I was unsuccessful. My internal capital one " case '' was closed multiple times on the basis that I had resolved my dispute with the merchant on my own. That was untrue, and I have since been told that I can not continue my " case '', as its past the timeframe they allow.
Product: Debt collection

I received mail claiming to be from XXXX XXXX. They gave me three options to pay them {$700.00} or face the grave consequence. They put XX/XX/2022 as deadline. I suspect retaliation and/or persecution by organized criminals of the past, present and future who kidnapped my rights very long ago by violating the RICO Act. Let justice take its course.
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 CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I discovered after a conversation with my ex-husband XXXX XXXX that the credit agencies deleted a past mortgage. I did not authorize this. At the time I had hired XXXX XXXX to do credit repair in XXXX. It was on there prior to hiring them. They, however, deny removing it. I wrote to all three agencies and they will not address the issue. 

I have provided plenty of evidence showing when account opened, closed, high balance and correct payoff. 

I am XXXX yo grandmother and it shows I only have had credit for four years! 

It is damaging my score due to lack of credit information. XXXX mortgage no longer exists so there is no way for me to contact them directly. 

Need this to report on my credit file. They report bad but don't want to report good when its old.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts/inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, which you claimed were verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to correct the accounts from my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of my XXXX, I AM GUARANTEED MY CREDIT REPORTS- BECAUSE EXPERIAN LLC, XXXX XXXX. & XXXX XXXX. ARE TOO UNRELIABLE, INSECURE AND ALL XXXX OF THESE SUPPOSED CREDIT BUREAUS ARE SO UNRELIABLE THAT ALL XXXX AGENCIES HAVE SUBJECTED EVERYONE ( EXCEPT THEIR BOARD MEMBERS ) TO A CONSTANT BARRAGE OF IDENTITY THEFT. A. FOUND THAT FACT IN 2017 CONFIRMATION FROM XXXX, WITH MORE INCREASING EVENTS FROM ALL 3 CREDIT REPORTING AGENCIES! THE CREDIT REPORTING AGENCIES HAVE ONLY AENT ME PIECES AND PORTIONS OF MY CREDIT REPORTS AND I DEMAND TO SEE ALL OF MY CREDIT REPORTS IMMEDIATELY! THE ORIGINAL CONSUMER. DEMANDS TJAT ALL CREDIT AGENCIES TURN OVER ALL XXXX CREDIT REPORTS TURN OVER ALL THE CONSUMER 'S CREDIT REPORTS WITHOUT BEING SUJECTED TO THE CRA 'S POLICIES THAT ENCOURAGES CHILDISH GAMES WITH FEDERALLY XXXX PERSONS KNOWING THEY HAVE MANY TOOLS TO BREAK THEIR MONOPOLIES INTO A FEDERALLY PROTECTED AGENCY! SEND ME ALL MY REPORTS TO THE CONSUMER 'S PLACE OF " ABODE '' NOW. I HAVE ALREADY SENT NOTICE TO THE CFPD AND AS OF XX/XX/XXXX, MY COMPLAINTS WERE SENT TO THE FEDERAL TRADE COMMISSION.
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. 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 Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

My student loans were put in forbearance by the government due the court issues with the Save plan. During this time we were notified that interest would not accrue. On Monday, XX/XX/XXXX I received a letter from Mohela, loan service provider, stating I had interest accruing during this time. I contacted the federal student aid department on XX/XX/XXXX and they informed me no interest is accruing at this time and if I received a bill I would need to contact Mohela. I attempted to register my account on Mohela that same day to access contact information and it said none of my information matched theirs. It kept sending me an error page. My social, name, etc was all correct and I attempted multiple times and it just kept saying error when I would try to register which gave me no access to contact information. I will call them Monday but I work full time and don't have a lot of time to make personal calls at work which is why I'm taking care of this on a Saturday! I would appreciate any help at all with this.
Product: Mortgage

I 'm having extreme difficulties with Stonegate Mortgage Company that has been ongoing for the past 3 months. I have a current XXXX loan that is open and still pending because of discrepancies with the contractor ( I have proof, pictures, and the HUD Consultant as a witness ). My loan officer at the bank in charge of the Construction loan is XXXX. I have even tried to reach out to her Sup XXXX to no avail. This is my very first property and I have no prior experience with any of this so I have called them repeatedly for someone to explain every detail to me but they have refused to take any more of my calls. I ca n't move tenants into my building and have been covering the bills alone because of this. I ca n't afford another month I have been trying to seek help. I have asked XXXX was there anyone else at the bank or anyone in management that I could speak with and she told me no. The HUD consultant has supplied her with pictures as proof and the amount not to pay the Contractor. I have since terminated the Contractor because due to the circumstances I no longer trust his word or his work. XXXX insists on paying this contractor every last cent of the balance she states that the HUD consultant told her to pay him. The HUD consultant, XXXX, and I have all been on several conference calls throughout the past week in which I have specifically heard and seen the paperwork in which he stated the amount to deduct for a new contractor to come and repair items that were done unsatisfactory. I do not know why there is a disconnect and I was told to stop calling only to correspond through email ( I have proof ). I just want the work to be done completely and accurately by a new contractor and do not feel that I should have to pay for the damages out of pocket. The HUD consultant agrees and has provided pictures as well as spoken with XXXX about these complaints. I was told to just take it up with arbitration. I 'm not at all pleased with the amount of service that I 'm receiving it is degrading. I will be filing a complaint with the BBB as well as looking to refi with a different company because Stonegate has left such an impression that I refused to deal with them one moment longer than necessary
Product: Credit card or prepaid card

Hello, I'm submitting this complaint because Wells Fargo failed to properly resolve my dispute of a XX/XX/2022 charge. I have spoken to Wells Fargo employees more than a dozen times and sent follow-up letters providing information they indicated would be useful. The matter remains improperly unresolved, with Wells Fargo providing vague and inconsistent information about the decision and process -- when it provides any at all.. 

Wells Fargo has provided frustratingly little information about its decision. Its written communications : 1 ) merely assert that the charge was valid ; and 2 ) attach a copy of the merchant 's terms that is different than the terms that were not in effect when I made my purchase ( which I can prove with screenshots ). 

Consequently, my primary source of information about the decision has been calls with Wells Fargo 's dispute department. During these, supervisors repeatedly asserted that it does not matter that the merchant 's service was not " as described. '' Rather, they have stressed that the only thing that matters is that the merchant provided a service and I used it. I don't believe that this is the right standard. 

In addition, procedural irregularities have characterized Wells Fargo 's treatment of this matter. For example, the case manager refused to talk to me, his memo made little sense when someone else read me its reasoning, and no one allowed me to respond to the merchants reply before dismissing my case ( despite multiple promises that Id be allowed such an opportunity ). Similarly, Wells Fargo provided told me that I could request to open the claim, and then told me I couldn't, and then said I could, and then ultimately refused to allow this -- all while promising to explain its position in writing and failing to do so.
Product: Payday loan, title loan, or personal loan

Usbank fraudulently declined my loan. 
I have audio recording from my conversation with us bank. 
They admit they declined my loan because the yrequired additional information from me. 
However, they never reached out to acquire any additional information, They used this to falsely decline my loan. They lied several times about contact my for information which they did not. Phone records prove this. 
Additionally, there fraudulent behavior has impacted my credit score, as they did a hard credit pull priuor to fraudulently declining my loan. This has lowered my credit scored and negatively impacted me. UsBank has committed a clear case of fraud, and they refuse to remove the hard credit pull.
Product: Credit card

On or about XX/XX/XXXX, I put a refundable {$500.00} deposit on a new vehicle with XXXX XXXX. Because XXXX XXXX was unable to fulfill a new vehicle purchase, I requested a refund on my deposit. Per the dealership ( XXXX ), a full refund was processed. I did not receive any receipt of this refund but the dealership assured me that the refund was processed. After a couple of weeks, I inquired with the dealership because the refund did not show up in my US Bank account. XXXX from XXXX XXXX assured me they processed it but that if it doesn't show up on my account, to contact my bank so they can situate it. Because the refund never showed up, I opened a dispute over the phone with US Bank. Some low performing US Bank employee that has comprehension issues took almost an hour over the phone just gathering information from me and failed to open the dispute properly. He used an incorrect dispute reason, unsure if this is a lack of training or not but I ended up receiving a dispute form and faxed it over on or about XX/XX/XXXX. I then had to go to a US Bank branch to refax it because the form was supposedly never received. As of today, I am being asked for a credit voucher when I clearly never had XXXX from the beginning. I want this transaction credit back to my account, all interest charges credit back to my account, and all late fees credited back to my account. I also want to make sure that any type of notes or status markings on my account reflecting that I paid late need to be removed. Thank you.
Product: Credit reporting or other personal consumer reports

Accordind to to credit report I noticed that my right to privacy was violated. Accordind to 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 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.The accounts in question are listed below violates my right to privacy XXXX acct # XXXX, XXXX XXXX : acct # XXXX, XXXX : acct # XXXX, XXXX XXXX : acct # XXXX, XXXX XXXX : acct # XXXX, XXXX XXXX : acct ; XXXX, XXXX XXXX : acct # XXXX, XXXX XXXX : acct # XXXX, XXXX : acct # XXXX, XXXX : acct # XXXX, XXXX XXXX XXXX : acct # XXXX,,..
Product: Debt collection

In Accordance with the fair credit reporting act XXXX  NATIONAL CREDIT SYSTEMS INC 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. 


I WAS RECEIVING SECTION 8 HOUSING XXXX XXXX XXXX SIGNED OFF ON NE NOT OWING ANY MONEY BECAUSE THE HOUSING AUTHORITIES PAID MY RENT AMD MY UTILITIES THEY ARE ADDING FALSE CHARGES FOR THE WATER BILL ON A DOCUMENT THEY TYPED UP NOT SHOWING THE REAL BILL AND PAYMENTS! ALSO I PAID A DEPOSIT OF {$700.00} THAT WAS NOT RETURNED NOR APPLIED TO SO CALLED CHARGES THIS IS THEFT AND I WILL HAVE MY LAWYER IN CONTACT! THIS IS A SCAM! You guys added 3 months of water bill service the housing authorities paid all bills and utilities NO WAY there was any balance! The housing authorities will not let a tenant move if any balances are owed! THESE ARE STATE LAWS! The home was sent to abdomen because the owners refused to fix leaking roof and plumbing! All this is documented! No deposit returned to the rebate and false charges put on the credit report to prevent future housing!? This IS AGAINST THE LAW!!!!