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

I have a loan with XXXX XXXX and XXXX XXXX XXXX . I have always made y payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with EQUIFAX & they too are withholding any verifiable proof. I believe their records are wrong. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. Please fix these accounts immediately. Id like this matter handled ASAP. Please update to OPEN/NEVER LATE. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Transunion has repeatedly reported that I was late on a mortgage payments to XXXX XXXX XXXX when they were not late payments BUT disputed payments due to multiple TILA violations. The loan transferred to XXXX during the dispute process and then to XXXX XXXX when the loan was successfully modified in XXXX XXXX. The loan was sent back to XXXX in XXXX and they now service the loan. I have repeatedly notified TransUnion to get this right. On XXXX XXXX, XXXX Transunion finally corrected my credit score to a proper XXXX. Inexplicably on XXXX/XXXX/XXXX they dropped it back to XXXX. My XXXX credit score remains correct at XXXX. I called TransUnion to inquire as what could have happened on XXXX for them to drop my score XXXX points. No explanation that was reasonable was given. I have no late payments nor have I opened any new accounts. So I asked what happened between XXXX and XXXX, no answer. I need your help to get the Transunion credit score restored back to the XXXX it was prior to XXXX. Faxing document
Product: Debt collection

I paid XXXX XXXX XXXX took XXXX so why would u send me A XXXX check your XXXX XXXX XXXX. Its not my fault u took it to court when it was paid already. Im not paying for court cost u owe me what you garnished. XXXX doesnt cover what u took. Im done playing games with your XXXX XXXXXXXX companies. You owe me for emotionally distress all the work i missed because you 2 companies are unprofessional. Send me my XXXX XXXX XXXX you didnt do your job and check to see if it was paid before court. Give me my XXXX money back.
Product: Mortgage

On XX/XX/XXXX, I was sent a letter from XXXX XXXX XXXX. 
I have never done business with this bank. 
They say that they paid my property tax in error. 
They want me to refund them {$1800.00}. 

I pay my property taxes through escrow with my mortgage company PHH Mortgage. 

I have contacted PHH but they just send an Acknowledgment of Correspondence letter and say they will review the correspondence and usual response time is 30 days. They do not provide a direct contact. 

This appears to be fraud but if it isn't why should they be asking me for the $ and not the mortgage company they do business with? I pay escrow, that's where my tax $ is. I do not have this money sitting around.
Product: Vehicle loan or lease

I need Nissian XXXX to reflect my autoloan for my XXXX XXXX updated to reflect a XXXX balance to all three of the credit reporting agencies prior to the end of the month.
Product: Credit reporting or other personal consumer reports

I have been asking all 3 credit bureaus to provide documentation concerning account I have attached to this complaint since XX/XX/2023 up until this point. They continue to say this account has been VERIFIED with documentation. I have yet to receive any documentation with my signature and date contract was signed from XXXX, Experian, XXXX XXXX or XXXX XXXX. I have sent everything that was requested showing my social security was compromised filled out fraud paperwork that was sent and still nothing that I have requested has been sent.
Product: Mortgage

My home was flooded and Wells Fargo gave me a 3 month reprieve. After I started paying on it after the 3 months I saw that I was being hit with lates each month, even though the rep has a note in my file to give me a 3 month reprieve it kept my account in a 120 day late status. I have tried calling multiple times and I am told that they do see a note in my file that I had a 3 month reprieve and would fix it, but nothing ever happens. Please remove the late off of my Wells Fargo account immediately.
Product: Credit reporting or other personal consumer reports

There is an inaccurate fraudulent account appearing on my credit report and I want it removed immediately! It does not belong to me! I wrote TransUnion XXXX XXXX and the company listed below demanding that they provide me with proof of the original contract that contain my signature, per the fcra section 609. And although I made this request more than 30 days ago, I still have not received any relief! According to the fcra, 15 USC 1681, it is the credit bureaus and the data furniture 's grave responsibility to ensure maximum possible accuracy! Also see the attached identity theft report. I repeat : TransUnion XXXX and XXXX have not provided me with poof of the original contract per the fcra section 609, as you can see under adverse accounts on my attached credit reports! FRAUDULENT ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX DATE OPENED XXXX XXXX BALANCE {$0.00}
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries 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 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 XXXX XXXX XXXX XXXX XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/22, XX/XX/22. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act these accounts have violated my rights under 15 USC 1681 section 602 states I have a right to privacy. Under 15 USC 1681 604 A section 2 a consumer reporting agency can not furnish an account without written instructions. Under 15 USC 1666 B a creditor can not treat a payment on a credit card account under an open consumer credit plan as a late payment for any purpose
Product: Credit reporting

I settled this credit card for less than the full amount due 12 months before my bankruptcy. The card was through XXXX. I have only ever had XXXX card through XXXX. EquiFax reports it as included in bankruptcy, other agencies do not. I created a dispute and their response was that the creditor verified the information was correct. I then called EquiFax , created a phone dispute and faxed them the letter from the law firm stating the account was settled for less than the balance owed. That was XXXX XXXX. On XXXX XXXX, I got back the exact same response, that the creditor had verified that the information on file with EquiFax is correct. The last XXXX of the account on record with EquiFax and the last XXXX of the account settled do not match. I believe this is because at some point XXXX canceled the program my card was attached to ( XXXX XXXX card ) and reissued it under program. However, I have only ever had the XXXX account with XXXX. Attached is the latest ruling from EquiFax and the letter from the lawyer after I made the settlement payment.
Product: Student loan

On XX/XX/year>, I received a notice from XXXX confirming that my federal student loans have been discharged under the Borrower Defense Loan Discharge program. My current loan servicer is Mohela. Initially, I encountered significant difficulties in getting Mohela to respond to, or coordinate with XXXX regarding this loan discharge. However, by the end of XXXX, Mohela finally updated my account status. Currently, there is an overall credit balance of the two remaining loans. 

I have contacted Mohela customer service multiple times to obtain a clear timeline for when these loans will be discharged and the credit balance refunded. However, I continue to receive conflicting information about who is responsible for taking action and when I can expect the refund. In recent calls, Mohela has shifted the responsibility for final loan processing and the balance to the Department of Education, but I am not convinced this is correct. 

I am increasingly concerned that Mohela is not actively working on the loan discharge. Despite being reassured that the late notices I am recieving are not a cause for worry, they persist, and interest continues to accrue on one of the loans. When I inquired about being placed in forbearance, Mohela advised that it wasnt necessary, and to ignore the late notices. The ongoing lack of clear communication raises serious doubts about whether Mohela is managing this discharge correctly.
Product: Mortgage

Bank of America was the mortgage company for my wife 's house. ( The reason I say my Wife 's house is because in XX/XX/XXXX we purchased the house. I paid half of the down payment and my wife paid the other half. Went didn't get married until XX/XX/XXXX. In XX/XX/XXXX we had a below ground pool put in the back yard. It cost {$33000.00}. In XX/XX/XXXX my wife contracted a XXXX XXXX and lost her job. She was a registered nurse and had made good money. By then I was on Social Security XXXX. I couldn't make the house payment as they were and I sure couldn't afford the pool payments. My wife contacted Bank of America and they were told that she gave them permission for me to handle all of the affairs as it pertains to our home. In the meantime XXXX XXXX  is sending us letters demanding their past due payments. I forwarded this information to Bank of America. Bank of America told me don't worry about XXXX that they would handle them. In the meantime we were approved for a temporary loan modification and a permanent modification would be approved if I made 3 monthly payments on time. Which I did. To make a long story short Bank of America did not live up to their agreement. XXXX ended of selling our house in XX/XX/XXXX. My wife had become so depressed after me fighting with Bank of America and XXXX XXXX for a couple of years trying to resolve our circumstances with both Companies. Which would have never happened if Bank of America had not constantly lied to us. XX/XX/XXXX my wife XXXX XXXX by XXXX XXXX in the garage of the same house at XXXX XXXX XXXX XXXX XXXX Texas, XXXX. She couldn't take it anymore. I would continue to fight until the house was sold by XXXX XXXX. The day my wife took her life i was not at home. I received a call from one of  my neighbors to get home right away its bad. All i could think about driving home was maybe my wife had gotten hurt someone how. When I got to the house the garage door was open my wife was lying on the ground with someone in scrubs trying to perform CPR. All I could do was cry and beg him to save my wife. Here tried until E.M.S.  arrived and worked on my wife for nearly and hour as I cried out in agony. They pronounced her dead. That was the worst day of my life. My wife 's name is XXXX XXXX XXXX. Thank you Bank of America for taking our future away together.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulations E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Based on these two accounts : 1. XXXX. # XXXX 2. XXXX # XXXX In accordance with the Fair Credit Reporting Act, I filed a complaint with XXXX, Equifax and XXXX that my consumer rights to privacy and confidentiality had been violated. 
15 U.S.C 1681 C section A ( 5 ) States no consumer reporting agency may report any consumer information containing any of the following items : 1. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 166B. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 

I sent all three agencies certified letters stating the aforementioned consumer laws and still nothing was done. 
The accounts must be deleted from my file if they can not abide by the rules and laws put in place by the government.
Product: Debt collection

XXXX and XXXX response is the same and does not resolve anything. You placed it on my credit so you are responsible for the dispute/removal. This is a dirty tactic and placing the blame to the credit bureaus when it is your responsibility to ensure items are taken care of properly since you did this without notifying me. The CFPB needs to do a full investigation into this practice.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$XXXX} XXXX  XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023
Product: Debt collection

I sent certified letter to Account Control Bureau, which they received on XX/XX/2017. I have tried and tried to collect data from this company with no response. I requested validation of this account, bearing my signature. It has passed their 30 day mark, I then sent them a second letter, and again, I have gotten no response from them. They also did NOT mark my credit report disputed.
Product: Student loan

XX/XX/2024, I called Navient to request a application for the new Private Student Loan Forgiveness application under Borrower Defense Rules for XXXX XXXX XXXX. The XXXX looked up my loan and agreed that it qualifies for forgiveness. My public loans were already forgiven since the lawsuit was completed and is now case law. They are denying my application saying it does not qualify since its a private consolidation loan. The new agreement was that all loans under said companies in the lawsuit were to be forgiven. They are being withholding and vague and unhelpful.
Product: Credit reporting or other personal consumer reports

I formally address to follow up the ongoing issue of fraudulent items on my credit file, marking my numerous attempt to rectify this matter. Despite multiple efforts to dispute and remove these fraudulent items, they persist, causing significant distress and detriment to my financial well-being. 

I have diligently followed the procedures outlined by your organization to address this matter. However, the lack of action and resolution from your end is deeply concerning and unacceptable. As a consumer, I have the right to accurate and fair reporting of my credit history, and it is disheartening to witness the persistence of fraudulent activity without appropriate intervention. 

I implore you to conduct a thorough investigation into the fraudulent items on my credit file and take immediate action to rectify this matter. It is imperative that these inaccuracies are promptly removed to restore the integrity of my credit history and prevent further harm to my financial standing. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 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
Product: Debt collection

In XXXX of 2020, I discovered a debt on my credit report that was not mine along with addresses, phone numbers, etc. The debt was from XXXX XXXXContinental Fin Co opened XX/XX/2020 in the amount of {$1500.00}. Since the discovery, I have called multiple times to report it as identity theft. I have spoken with the fraud dept., managers, etc. and I am always told that they will send me paperwork to fill out or someone will call me but neither have happened to this day. I then found out that the account had been sent to XXXX XXXX which is a collection company. They called me to try to collect the debt and I told them that it is identity theft and sent them proof with all the information they had asked for. They assured me they received everything but were waiting to hear back from their client and they would notify me once they heard something. Still nothing from them so as I was calling and checking on it, I was told by XXXX that the account has now been sent to another collection company named XXXX  XXXX. So I called them and have been told that the account has now been sent back to XXXX XXXX  and I have to call them to handle it. I am so tired of the run around!!
Product: Credit reporting or other personal consumer reports

Experian added an account that I did not recognize and that doesnt match any of my cards. I clicked on it and all of a sudden my score dropped by XXXX points and now my account is all over the place. Ive already been through fraud and so Ive worked very hard bringing my score up to XXXX. I would appreciate if they put my account back to where it was and stop adding things without my consent and or that dont belong. I need this matter to be resolved just as quickly as they dropped my score. I need to make an important purchase and it will be significantly difficult with this poor score.Thanks for your time
Product: Debt collection

Hey there I received notification of late payment and derogatory mark on all of my credit reports ( XXXX, XXXX, and XXXX  ). I had no prior knowledge of this as i paid my co pays at doctors office for these test, i was never made aware that i owed money or that the insurance didnt cover the lab work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union has deleted a credit card account thats in good standing over 2 years. This has caused my score drop about 50 points recently. The card issuer is XXXX XXXX XXXX XXXXXXXX. I have called trans union and they have no clue what Im talking about. This account is open and in good standing. Please help me get this back on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : Untitled Account XXXX Account Name : XXXX Account 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 XXXX 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.