23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. XXXX and TransUnion must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


US BKPT CT IL XXXX Bankruptcy XXXX XXXX-discharged Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; U.S. Bankruptcy Court XXXX XXXX bankruptcy discharged Reference # : XXXX Date Filed/Reported : XX/XX/2018
Product: Mortgage

I received my property tax bill for the fiscal year beginning XX/XX/year>. My mortgage includes an escrow account for XXXX XXXX  to pay the property tax. The due date for the property tax was XX/XX/year>. The amount due is {$1200.00}. Flagstar Bank has not made a payment to my property tax as of XX/XX/year>.
Product: Debt collection

I am writing to bring to your immediate attention the presence of fraudulent accounts on my credit report, and I demand their prompt deletion. The inclusion of these unauthorized entries severely impacts my creditworthiness and tarnishes my financial reputation. I expect your immediate and unwavering cooperation in rectifying this matter. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests.

I have recently reviewed my credit report obtained from your bureau and was appalled to discover several accounts that I can confirm are fraudulent and unauthorized. The information associated with these accounts is inaccurate and has been damaging my credit score, causing me significant distress. 

The fraudulent accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I am formally disputing the validity of these accounts and demand their immediate removal from my credit report. It is imperative that you conduct a thorough investigation into these matters and rectify the inaccuracies promptly. Failing to do so within the legally mandated time frame will leave me with no choice but to pursue legal action against your bureau for negligence and non-compliance with the Fair Credit Reporting Act ( FCRA ). 

I have attached supporting documentation, including a police report and any other relevant evidence, to substantiate my claim of fraudulent activity. I trust that you will take this matter seriously and act swiftly to rectify the inaccuracies on my credit report. 

I expect a written response within 30 days, confirming the removal of the fraudulent accounts and providing an updated and accurate credit report. Failure to comply will leave me with no option but to escalate this matter to the appropriate regulatory authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  are reporting incorrectly a collection/chargeoff in the amount of {$1100.00} on the XXXX XXXX XXXX/XXXX XXXX XXXX partial account number XXXX. XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge in the amount of {$840.00} on the XXXX XXXX XXXX/XXXX XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I was in an automobile accident and the accident was not my fault. The other driver was at fault and their insurance company, XXXX, covered all monetary responsibilities for the accident, including all of my medical bills. ( I have attached a copy of the police report for reference. ) The accounts referenced above should have been paid and therefore no outstanding balances are due. I was not aware there were medical collections until I obtained a most recent copy of my credit report. I never received any letters or any communication of any kind and  consequently I had no idea there were any outstanding bills associated with the automobile accident. Continuing to report a collection/chargeoff on my credit report is a violation of the Fair Debt Collection Practices Act. This false reporting is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these line items from my credit report however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 1692C A. : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692b : not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

First, I would like to say that the collections and loans on my credit do not tell what kind of person I am. I am a XXXX XXXX XXXX XXXX  who did not have the funds to attend college. However, taking out student loans was my only option in order for me to get out of the situation that I was in. To get to the field that I was interested in I had to obtain a XXXX XXXX which made me take out more student loans and I wanted to. After being able to get my bachelors and XXXX XXXX, I decided to make a change in my career. The change included me from a full-time job to a part-time job in order to leapfrog me to the field that I was in. Of course I had to take a huge cut, which would essentially explain any of the late payments that I currently have on my credit report. I received a copy of my credit report and found the following items to be in error by the provisions of the fair credit reporting act. I demand these items to be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them Please remove any information the credit can not verify. I understand that under 15 USC section 1681IA you must complete the investigation within 30 days of the receipt of this letter. Please send me an updated copy of my credit report to the above address. Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : The payment in question was made before the due date. I have attached the relevant bank statements and payment confirmation as evidence that the payment was processed on time. 
Account Refinanced : The account had already been refinanced, and the late payment should not have been reported. I request that the refinance status be reflected properly in the records. This was an oversight, and I ask for this error to be corrected. 
Clerical Error : It appears that there may have been a clerical error in reporting the payment. This is evidenced by the discrepancy in the payment records, and I request a thorough review to correct this inaccuracy. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported over and over through online dispute and actually calling reporting to live person that no accounts open or closed are late no missed payments no account not being paid on time the very opposite also they have 7 hard inquiries only 3 are valid the other 4 are pre approved soft inquiries my credit file is locked still hard inquiries my credit is unlocked same I also put a fraud alert and still hard inquiries are resulting and the companies continue to solicit with very word pre qualified pre approved how could this be that is all 3 b
Product: Checking or savings account

I was finally able to close my account today, but, for years, Bank of America refused to allow me to close my account ( s ). Ive been forced to pay $ XXXX  monthly maintenance fees the entire time. I was told on multiple in person visits that the account was linked to a parents account, so Id be unable to close it without their permission. I was well beyond the age of XXXX and have made independent financial decisions before then as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I used to have a credit card with XXXX XXXX. Few years ago for non payment they took me to court and I didn't appear because I was XXXX and they won the judgment against me. They garnish the money from my bank account from the XXXX. This was in XX/XX/2020. Since then they have been reporting in my account that I still have {$360.00} past due which it's incorrect. As you can see my bank account attached I have paid more than {$1300.00}. Please update the system and delete this from my account. This has been reporting wrong information for the past XXXX years. XXXX XXXX has also reported that they written off part of my balance which is not true because I already paid it. There are different charges that were withdrawn from my checking and savings account and I have highlighted them. I already disputed with you guys and they verified the incorrect information.
Product: Mortgage

XXXX Complaint was put in and no response from Navy Federal Credit Union they has taken negative action without responding to the consumer complaints which is another violation. Company keeps changing names on responding to XXXX XXXX, when no such person exists. They are operating deceptively and causing injury. SEE COPYRIGHT this has been a XXXX sided relationship. I have received no benefit for the use of my name and information which is fraud. 

I asked that all following communications as required ( mandatory ) pursuant to 18 U.S. Code 1342- Fictitious name or address, as in my ( proper person name ) that identify me as a ( proper noun ) i.e. as a ( natural person ), and NOT a Fictitious entity. WARNING : 18 U.S. Code MAIL FRAUD!!! 18 U.S. Code 1342- Fictitious name or address Whoever, for the purpose of conducting, promoting or carrying on by means of the Postal Service, any scheme or device mentioned in section XXXX of this title or any other unlawful business, uses or assumes, or requests to be addressed by, any fictitious, false, or assumed title, name, or address or name other than his own proper name, or takes or receives from any post office or authorized depository of mail matter, any letter, postal card,
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up to ensure that the disputed accounts are deleted. I complained last XXXX to delete the accounts which I believe to be erroneous and fraudulent, this complaint is to notify you to delete the fraudulent accounts in my file Please delete the following accounts : XXXX XXXX XXXX XXXX .... Balance : {$6600.00} XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX .... Balance : - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Balance : -
Product: Mortgage

We applied for a mortgage loan  with Wells Fargo  in  XXXX , NC we have been in escrow for appro ximately 60 days from today. We asked for our documents to be sent to a new lender with a better rate. Wells Fargo stated they could not do so b/c a law went into effect as of 2008 when they changed the law indicating no lender to lender doc 's could be transferred. I checked with the new lender who states the doc 's could be sent. So now as of today wfargo has finally offered to lock in a rate of 4.785. This should have been done at the beginning of the loan process. I 'm still trying to obtain the documents for our own pu rposes. Also, after we were ready to move on with closing they now want an engineering report which was never disclosed to us.  <P/> Frustrated wfargo applicants,  XXXX  &  XXXX   XXXX   XXXX   XXXX   XXXX
Product: Student loan

Last year on the studentaid.gov website : ( https : XXXX : XXXX ) There was a link to recertify my IDR plan early. 
I did this last XXXX, XXXX, and got a notification back from Nelnet that it was too early to recertify. 
On the same site it says " You wont be required to recertify before payments restart, and the earliest you could be required to recertify is XX/XX/XXXX. '' I then received an e-mail from Nelnet on XX/XX/XXXX saying I had a payment coming due of {$290.00}. 
I recertified immediately again when I saw this. They ended up putting me in forbearance and capitalized over {$10000.00} to my principle balance so I now have to pay significantly more for interest than if they would have accepted my early recertification. 
I called them about this on XX/XX/XXXX and they said there was nothing I could do about it and that when I recertified early I checked the wrong box! 
They said I recertified too early and too late! 
They said the notice about not having to recertify until XX/XX/XXXX didn't apply to XXXX loans. 
I've been struggling financially but their actions are making it more and more impossible for me to pay them back. 
In addition they tell me I can't consolidate my loans unless I want to extend my payments by another 10 years! 
They told me I could apply for REPAYE but that was a lie ... that option isn't available for FFELP loans without consolidating! 
They should have sent me a letter about the recertification due date because it was a very important issue considering the false/misleading information published on the studentaid.gov website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your quick action and effectiveness in removing some of the negative information that was previously listed on my credit report But I have items that are left over which are listed below. For now, I believe there are still issues with my file that need to be fixed. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX, XXXXXXXX XXXX  Date of inquiry : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX, XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Theres some unauthorized hard inquiries on my credit report that I dont recognize. The credit bureaus violated my right and shared my credit information with those businesses. I contact the credit bureau to try to dispute it, but they were not willing to help me. They violated the 15 U.S. Code 1679c - Disclosures
Product: Credit reporting or other personal consumer reports

I checked my credit report today and noticed unauthorized inquiries that I cant explain. This has never happened before when I checked my report, and I even refreshed the page to rule out any technical issues, but the inquiries stayed. I need this problem resolved immediately, and I expect my documents to be checked thoroughly to prevent further issues. I am really upset and frustrated with this.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within XXXX4 hours stating the account 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 of disputes. Furthermore, TransUnion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with the federal law and provides consumers with the nessasary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

due to the covid-19 i field with my mortgage company forbearance starting in XX/XX/XXXX as i understand under the cares act they where not to report late or delinquencies. 
they did report from XX/XX/XXXX to XX/XX/XXXX as delinquent. 
i called ti fix it on XX/XX/XXXX they said they could not. 
during the forbearance i made what payments i could, when it ran out they had me file a modification loan. i was told that my interest would drop to around 2 %. it took months and during that time was told to hold off on making payments until the paper work was done. when i received my paper work they did not lower my interest rate it stayed the same the just but what i owed to the back of loan. 
they did not do what they said they where going to do. i just want all the late and delinquents off. credit report showed - 49 % from them Carrington mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax To a lessor extent : XXXXXXXX XXXX XXXX XXXX Both XXXX and Equifax are NOT correctly reporting on citizens that pay off their credit card balances IN FULL every month. This can cause GRAVE damage to all Americans credit scores and can cause citizens to pay higher interest rates on ALL of their lines of credit. 

Real life Examples : My charges to XXXX XXXX vary in a given month, BUT, the balance is paid in full no matter the balance! 

Prior to ( XX/XX/18 ) Friday, my credit scores were XXXX. 

They dropped XXXX points, and when I complained, reporting the issue and giving XXXX XXXX  as a witness to my payment history, they lowered my score AN ADDITIONAL XXXX points, XXXX total. This due to me charging several home appliances and upgrades to my XXXX XXXX. 

Not only is this fraud, on a national scale, imagine the damage to US consumers! 
Lower score, resulting in higher monthly rates. 

I took this to XXXX XXXX, them knowing my payment history, and they themselves refused to up my credit line to reduce the ratio of debt to full line of access, even though they are responsible. 

Accidentally or intentionally, they as a whole entity, not sure of XXXX XXXX involvement, conspire to unfairly raise rates and improperly/intentionally report payment history resulting in fraudulent charges to all. 

Recap : Credit Bureaus using individual monthly consumers charges to lower their credit scores, despite not only a perfect payment history, but a payment in full every month for years history. Effectively destroying their promise and fulfillment of rewards by giving 1 % at the expense of irrepairable damage to consumers credit reports. 

All 4 companies are participating willingly. I notified all 4, 2+ times each. 

My recommendation : prevent customers credit card scores by mandates that Credit Card Bureaus add a balance in full, effective balance XXXX to all payment history ( ies ) If a balance is XXXX then XXXX then XXXX the next time capture, this should NOT effect a score if the balance is paid IN FULL on every monthly billing. 

Or warn retirees that pay their balances in full every month that they may need to send daily payments to their Credit accounts. 

Clearly the XXXX XXXX rewards program is a scam, along with the Credit Bureaus intentionally incorrect reporting.