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

the following inquiries were not made by me, I suspect a car salesman stole my identity and applied to companies without my knowledge or consent : 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 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 TransUnion : 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
Product: Student loan

I am the cosigner parent of a loan with XXXX XXXX XXXX XX/XX/XXXX. Loan agreement terms ended XX/XX/XXXX. Payments began XX/XX/XXXX to current. XX/XX/XXXX I requested consideration for cosigner release. Request denied for insufficient payments. 48 are required. XX/XX/XXXX I applied again. Request denied for forbearance applied. I submitted proof to AES of all payments from XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and 18 month pay history for XX/XX/XXXX. I sent all these bank statements which has only my name on the account and a copy of my loan agreement that i signed in XXXX with XXXX. No one requested a forebearance. I made the payments from my account. I identified my daughter had worked while attending college all of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and current. The forebearance could not apply in this case. AES forwarded a account transaction summary showing 3 cosigner payments applied in XX/XX/XXXX, 4 cosigner payments in XX/XX/XXXX, 10 cosigner payments in XX/XX/XXXX. I handled these transactions from my account to ensure AES would receive payments while my daughter was building steady employment history. The payments came from one account, all. Checks. My contract with XXXX was sold to AES in XX/XX/XXXX. My contract does not say loan servicing agency reserves the rights to misleading cosigner release advertising.. Close to XXXX has been credited to this account. I asked how can I accomplish cosigner release benefits. The account transaction summary was the reply. This must me illegal to apply payments this way without terms and conditions consent from AES to us to agree or decline. I found out the loan was sold when AES falsely denied my request for release. I spoke to a local XXXX branch about this. I learned that XXXX does not make cosigner release decisions because the loans were sold. The AES representative told me XXXX decides because I challenged the incorrect forebearance denial & payment schedule denial. I 'm concerned both myself and daughter will be a financial hostage to AES. I forwarded my appeal to the VP of Compliance and VP of Loan Operations. The account transaction summary was the answer. I need a referral for consumer protection. Please advise. Thank you. 
XXXX XXXX
Product: Debt collection

Hey all items been paid and full but still showing on my report. 15 U.s code 15
Product: Debt collection

I have an account from a debt collector named Security Credit Services that is reporting a collection for {$1600.00} on my personal credit reports with XXXX, XXXX  and XXXX. This debt is not valid and per a dispute with the original creditor, the account was supposed to be recalled from the collection agency as of XX/XX/2019. As of XX/XX/2019 this information is still listed on my credit reports and came back as verified when I opened an investigation with the credit reporting bureaus. See attached for documentation from the original creditor that this debt is settled and should have been removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Financial in Columbia, South Carolina has reports on my credit saying I have closed or written off accounts when I currently still have new open accounts in good standing as well as paid off in good standing accounts. Also, the amounts that are being reported as due are more than the actual amounts. These problems date back all the way in XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, etc to current status now. Also, I'm not showing the good standing/closed accounts for my car loan I paid off with them and other personal loans as well.
Product: Mortgage

I was about to make an offer on a HUD-approved manufactured home in a land-owned community and applied for this loan with USBank because they are listed as a participating lender for a grant program, which I needed. I was approved and was in underwriting and in escrow on the first home. However, the home did not pass inspection, so I immediately canceled escrow and notified USBank about this and informed them that I was interested in another manufactured home just a few lots up in the same community. USBank drew up another application for the second home and everything was in progress, I received more " congratulations, your loan has been approved '' type phone calls, as with the first loan. I was in escrow on the second home and in the middle of underwriting, once again. I received inquiries from USBank via their secure portal, which is extremely difficult to access and use, but did my best to immediately provide what was required. The loan officer 's assistant emailed me a list of items to produce and I was ready to upload everything to the secure site, but there was no way of uploading my documents upon logging in as the site indicated the loan officer will be in contact with me. Meanwhile, the day after we had completed inspection on the property, I received a shocking phone call from the loan officer that USBank has suddenly decided to no longer finance manufactured homes! There was nothing he nor I could do, but turn to another lender. I was packing to leave town for my aunt 's memorial, but yet had to scramble until midnight to find another lender to replicate the USBank loan as escrow is due to close in less than three weeks! I have now hurt my credit score with more hard inquiries to apply with other lenders. Moreover, I will likely lose this home and fall out of escrow if I can not find a lender to offer me a loan similar to USBank 's within three weeks which I can afford and which includes the grant I really need. It is so unacceptable for a reputable bank to do this at the eleventh hour! They should have at least honored my application to closing and not cut me off in the midst of underwriting! Moreover, I was told if I opened a USBank account, I'd get 1 % back at closing, so I went through the hassle of closing out my XXXX XXXX account to switch to USBank. I spent an entire weekend updating my bills, making arrangements for payroll direct deposit to USBank, go through the hassle of rushing to the bank after work to cash my payroll check prior to the new direct deposit coming into play in two weeks, etc. The numerous effort and time I've wasted and all the trouble I'm going through is beyond words. For USBank to suddenly drop me the way they did without any notice or written notification other than an apologetic phone call from they loan officer is just unacceptable. A major bank such as USBank to do this to an individual is outright cruel and unacceptable!
Product: Credit reporting or other personal consumer reports

I filed a dispute on { Account number, Creditors name } due to { the reason you selected in your original dispute }. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house, car, etc }. Experian violates violates my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXX Owed : {$0.00} XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Owed XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX COMENITY BANK ) XXXX Owed : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Owed : {$3000.00} XXXX  XXXX Balance Owed : {$1900.00} Date Opened XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$2500.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$410.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance Owed : {$5500.00} Date Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Was never informed about his collection account. I never received any information about this debt. I am supposed to receive legal disclosures regarding any debt a collector puts on my credit report.
Product: Debt collection

CD Indigo I honestly have no idea where this came from! My identity was stolen back a few years ago, so Im not sure if this was a result of that or what, but the debt on my credit report states the credit limit was {$300.00} but credit used is 0 %??? And my highest balance was {$640.00} I have absolutely zero clue why this is on my credit reports and I would like it removed..
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XXXX XXXX  ) since then the account has been repeatedly updated as charged off every month. This is an update in the payment history. A charge off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account name XXXX XXXX Account number XXXX
Product: Mortgage

I ran into a finacial hardship and attempted to submit an application to my mortgage company for their hardship assistance program. When I first spoke with the mortgage company, I was advised that the process would take 30 days to review my application after it was recieved. I was also told that I would not occur any late fees while the application was being revewed. 
After I initially submitted my application in XX/XX/XXXX, I recieved a letter stating that more documantation was needed for my application. I faxed in several supporting documents including my pay subs, my HOA agreement, and other supporting documents. In XX/XX/XXXX, I received a letter stating that my application had expired since I did not responed with the needed documents within 30 days. I resubmited the entire application along with all of the supporting documents. On XX/XX/XXXX, I recieved a letter stating that my appliction was denied becasue I never sumbmitted my HOA agreement ( which was previously sent in twice ). The letter was dated XX/XX/XXXX and gave a deadline of XX/XX/XXXX to have the documents returned. No comunication was made in regards to this needed documantation besides the letter I recieved in the mail on XX/XX/XXXX. I called into the office of the president as soon as I got the letter, and was told that my application had been denied since I did not get the documents in before the deadline, but as a courtesy they were wiling to reopen the application. I resubmitted my HOA agreement the next day. I received a phone call on XX/XX/XXXX stating that underwritting would not accept my application since the HOA documents did not contain the monthly due amount. After reviewing the document with the agent on the phone I was able to point out that the documents did in fact have the due amount listed on the document. 
At this point I was told that they would follow up with underwritting. I recieved a phone call on XX/XX/XXXX stating that they were unable to process my application again. This time I was told that although they were able to reverse their decision on my HOA documents, now all of my pay stubs and bank statments were too old and I needed to resubmit current documents. I was told after I resubmitted these docments it would take another 30 days to review my application. 
Durning this applicatoin process my wife and I were unable to move foward and develop a plan to bring the account current since we were waiting on the outcome of our assistance request. Although the mortgage company admitted that they told us that we would not get charged any late fees while we going through the application process, they advised us that in fact they had been charging us fees the entire time. The mortgage company admitted to their mistake and waived 1 months worht of late fees
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 Balance {$0.00} XXXX  XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance {$10000.00} XXXX  XXXX Balance {$22000.00} XXXX XXXX  XXXX Balance {$8800.00} XXXX  XXXX Balance {$25000.00} XXXX  XXXX XXXX XXXX Balance {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from XXXX XXXX that new inquiry was added to my XXXX  report as of XX/XX/2019. When I looked into it further, the site told me that I had a hard inquiry from Capital One Bank USA but that there was no contact information reported by this creditor.
Product: Credit card

I had fallen quite behind due to medical problems and XXXX. I received numerous emails warning of the consequences. I made the {$10.00} payment that I could within the time frame XXXX XXXX advised of 2 days. They then canceled that card, closed my account, took my deposit to satisfy balance and reported negativity on my credit. I abided by the 2 day notice but they did not. I've since brought account current, but have a balance of XXXX something dollars. No card, no account and I'm stuck using their credit builder account until satisfied.
Product: Credit reporting or other personal consumer reports

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists XXXX  civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Product: Credit reporting

I obtained vehicle insurance and I received an Insurance Score Notice stating there was PRESENCE OF A BANKRUPTCY ( SEE ATTACHED ). I do not have a Bankruptcy. In XXXX of 2014, I contacted CFPB to file a complaint against XXXX, Case Number : XXXX. TRANSUNION, DELETED the Bankruptcy from my Credit Report ( SEE ATTACHED ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a dispute asking the credit bureaus to investigate every piece of information. On XX/XX/2022 i sent a letter telling the credit bureaus to investigate every piece of information again, on the accounts I have listed below. Also i have attached the letter i sent out, here is the certified tracking number # s in the attachments below.

According to the FRCA the term Investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account had been updated and verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate and according to the FRCA XXXX XXXX XXXX everything has to be 100 % accurate. Upon my checking, last activity is inaccurate, payment history is inaccurate, remarks are inaccurate, months reviewed are inaccurate, personal information is inaccurate, etc. This is GROUND FOR REMOVAL of the accounts.

These accounts and the credit bureaus also violated my rights under 15 U.S.C 1681 section 602 A. states i have the right to privacy.

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. 

15 U.S.C 1681 Section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 

i have not given these accounts ( below ) my written permission to furnish these accounts on my credit report. 

Accounts XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. 
XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX
Product: Student loan

I'm concerned about my education loan provider, Fedloan Servicing, as they they are not responsive to my inquiries, and have miscalculated the total number of payments I have made, which makes me doubt whether they will ever allow me to achieve public service loan forgiveness ( PSLF ). 

For example, Fedloan does not provide users with the number of qualifying payments they have made, you have to request that information, after which it takes them 8 months to get the numbers. When they sent me the number of payments 8 months after I inquired, the number they provided was lower than the actual number of qualifying I have made. When I asked them if they needed any more information to correct the number ( e.g. bank statements, invoices ) they stated that they would get back to me. This was in XXXX ( 6 months ago ) and after contacting them since then I still haven't heard a word. In the meantime, they are of course still contacting me regularly to make monthly payments ( which I have continued to do ) and requested that I submit the paperwork to re-certify my income-driven plan. which I will do. 

Needless to say, the experience has been disheartening and confusing. I'm not sure what to do at this point regarding their communication ( or lack thereof ) and the need for them to acknowledge the accurate number of qualifying payments that I have made. 
I would very much appreciate your help and advocacy in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My HELOC with XXXX XXXX XXXX termed out XX/XX/XXXX and at end of term XXXX XXXX sent a statement showing the total balance due. Seeing that I did not have over {$300000.00} on hand I called XXXX XXXX XXXX for guidance. I was told by a representative to continue making monthly payments of {$1000.00} to at least cover the interest while they sort things out. I then received an alert on my credit report that I was being reported as late, even though I made {$1000.00} payments from XX/XX/XXXX - XX/XX/XXXX. I then called the XXXX XXXX customer service line. The XXXX XXXX XXXX  representative told me several times the credit reporting would be reversed, yet each month things got worse not reversed. I talked to my branch contact XXXX XXXX who called customer service on my behalf many times. Then Huntington Bank took over XXXX XXXX XXXX and now many of the personnel familiar with my situation are no longer employed by Huntington Bank. Luckily my XXXX XXXX branch contact XXXX XXXX is still with Huntington Bank. XXXX has made and continues to make several phone calls and has also been told mulitple times that the reporting is being corrected. Huntington Bank has since given me a two year extension on my HELOC, yet at a higher interest. If I were 120 days past due why on earth would anyone extend credit to me? Internally, Huntington Bank knows my credit report is incorrect but any other potential lenders looking at my credit report do not know the facts.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} INQUIRIES XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe the credit score provided in a background check for housing on XX/XX/22 was incorrect. there is roughly a 30 point difference between the score reported via the background check and the score provided by Equifax. I called the consumer line XX/XX/22 and was told they dont do background screenings through Equifax XXXX When I asked to speak to a supervisor I was placed on hold for over 45 minutes and then hung up on. I would just like my credit score investigated and updated or an explanation and breakdown of why the scores are so different and what the different calculations are. Attached is the background check with my credit score and a screenshot of my credit score provided by Equifax for that same time period
Product: Debt collection

Today I was served a summons for a XXXX XXXX credit card debt that I've already paid. I contacted the company and they refused to address the issue. Their advice was to " just ignore it ''.
Product: Mortgage

Please see the enclosed letter you sent dated XX/XX/year>. Thank you for reversing the late payment notice for XXXX, but I have checked my credit report today and NOW I am being reported late for XXXX AND XXXX when this is plainly incorrect. PLEASE rectify this error as soon as possible and inform me the same has occurred and late payments are reversed with the credit reporting agencies. I will be making a report to the CFPB concurrently with this email as this is unconscionable behavior from XXXX. 

Attached are the deposits made to BMO Heloc account on XX/XX/year> ( for XXXX ) and on XX/XX/year> for XXXX payment. Please stop reporting me as late!!! 

I have made numerous phone calls and spent many hours on this matter over the last 2 months which was caused by mismanagement and incorrect information given to me by XXXX staff. 

This is URGENT as I am trying to get a mortgage next month.