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

We have a XXXX XXXX car lease which has been returned and paid off on XXXX XXXX. But all 3 credit report bureau including Experian keep showing the account is open and there is left over amount of {$120.00}. We called XXXX multiple times, every time they say the account has been closed and the info has been reported to credit bureau, but Experian keep saying the the account is still open and refuse to update the credit report. Even when we submit written notice from XXXX confirming the account has been closed and paid off.
Product: Student loan

On XX/XX/XXXX  my 2 private student loans through Sallie Mae lost the reduced payment plan option and the cost went up to over {$600.00} a month which is something that I could not afford. In the past, when I received the option for a lowered rate ( 2 years at a time ), I was told to allow the loan to go one payment past due. 15 days after the loan was past due ( XX/XX/XXXX ), I called into Sallie Mae trying my hardest to get to a supervisor or manager who would give me new payment options so that I can continue repaying my loan directly with the company. They persistently told me no options are available to you. I asked for an explanation on why there were suddenly no options available to me, aside from paying the insane amount that they are asking for each month and I received no answer. I was told that I needed to make a years worth of payments at the current rate, but how could I do that if Ive been explaining that I cant afford that amount. I have been trying to pay something and every time I received a reduced rate, my payment was consistently made on time. However, now they arent willing to work with me at all.
Product: Credit reporting or other personal consumer reports

Transunion is reporting information that is fraud.XXXX XXXX is on my transunion account BOTH auto and credit card. Both needs to be removed XXXX XXXX XXXX XXXX. This information has been reinserted multiple times ( 3+ ) XXXX. Never received proper method of validation ( never received a 5 day notice ) XXXX. The last date of activity is incorrect and being updated ever month ( Fraud ) Date of Last Payment : XX/XX/XXXX ( screenshot provided below ) XXXX. XXXX XXXX is not reporting to ALL three credit reporting agencies ( screenshot provided below ). 

XXXX XXXX XXXX XXXX. This information has been reinserted multiple times ( 3+ ) XXXX. Never received proper method of validation ( never received a 5 day notice ) XXXX. XXXX XXXX is not reporting to ALL three credit reporting agencies ( screenshot provided below ). 
XXXX last date of activity is incorrect and being updated ever month ( Fraud ) Date of Last Payment : XX/XX/XXXX ( screenshot provided below ) Its been a year and transunion has not complied
Product: Mortgage

Our clients were extended a loan modification agreement from Ocwen Loan Servicing via correspondence dated XXXX XXXX, 2015. They signed and returned same agreement XXXX XXXX, 2015. The terms set forth in the agreement from payment XXXX to maturity were {$2.00}, XXXX. Two weeks later, Ocwen sent out clients correspondence with payment changes to {$2.00}, XXXX. ( Original terms of the mortgage were fixed, never adjustable ). They called Ocwen and Ocwen advised to continue to make the loan modification payment per the agreement of {$2.00}, XXXX. As directed, payments were continually made per agreement, but all eventually returned. ( I have attached proof of same ). Litigation continued and now they are facing trial. 

Our client has had a XXXX and are taking care of a XXXX son. Please advise asap as situation is critical.
Product: Payday loan, title loan, or personal loan

My account was sent to a collection agency after non payment. When I requested payment history from Spring Oak LLC they have not been able to provide them. XXXX XXXX refuses to speak about the account or provide history.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 



1. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Mortgage

I am very disappointed with Rocket Mortgage because of the fact that their procedure is very perplexing to say the least. The first representative wanted XXXX and XXXX personal income tax and business taxes along with XXXX-XXXX W-2 's. A Profit and Loss statement, homeowner 's insurance, banking statements, pay stubs. I submitted all of that to the first individual by the name of XXXX XXXX. A few days later he called me and mentioned another name, not my name. I told him it's XXXX. He apologized. No problem, I understand that there is a lot of work. Then I was contacted by a XXXX XXXX and he indicated that all was well, he stated that he would lower my APR from 2.99 % to 2.85 % and waive the {$500.00} if I send all required documents and that I did. There was another associate that called me and left a message indicating that XXXX had the day off which is fine. The representative advised that if had I had any furlough, I advised that I did. He advised he would put this in the calculations. I thought my application was in good standing. My credit scores are above 800 and my FICO 9 is XXXX. I should be approved with these type of stellar numbers. I check my Rocket Mortgage dashboard religiously everyday to see if there are new documents that are needed. Today ; XX/XX/XXXX I get a call from XXXX XXXX indicating that there is not enough income. I pay my bills religiously and I have never been late with any outstanding bills. He then stated that he wanted my wife 's income and I stated everything was submitted. He placed me on hold and still rejected my application. This is misleading and unethical. This is an unfair credit reporting situation that needs to be addressed.
Product: Debt or credit management

credit karma advertising pre-approvals for credit card when I'm getting denied and hard inquires are being pulled onto my credit report for no reasons. I would like to dispute my hard inquires and some of them are out dated too as well.
Product: Checking or savings account

Capital One has had issues with XXXX XXXX since Wednesday XXXX XXXX 2025 and is still on going. This claim is being submitted after XXXX eastern time and I still have not received either of my deposits. I am not able to pay my bills or feed myself because of this. Customer service for capital one takes over two hours to reach someone and you often have your calls disconnected or met with rude agents who are tired of saying the same thing over and over. Capital one indicated this should be resolved today and its not. Monday is a bank holiday so the earliest I am likely to receive my deposits is Tuesday. I wont be able to afford food for myself, my wife, or my pets for DAYS. Almost an entire week at that point, as my paycheck is always deposited on Thursdays. There is no guarantee this will be resolved by Tuesday or on that day either. Capital One failing to provide updates and assistance should be criminal.
Product: Consumer Loan

On XXXX I sent a notice of dispute to Wilshire Consumer Credit. This letter was sent via USPS Certified Mail with return receipt ( # XXXX ) and was signed for by XXXX XXXX on XXXX. 

Subsequently I filed disputes with the XXXX major credit reporting agencies, requesting that they investigate the accuracy and completeness of the account. 

On XXXX Wilshire sent correspondence acknowledging my dispute. Their correspondence indicated their belief that they were reporting accurately and their refusal to delete or modify the reporting. 

On XXXX I received investigation results from XXXX indicating that the " account remains ''. 

On XXXX I received investigation results from XXXX indicating that they " verified that this item has been reported correctly ''. 

On XXXX I received investigation results from XXXX indicating that " new information '' was reported. 

Despite their continued verification, none of these credit reports were updated to indicate my dispute of the completeness and/or accuracy of your reporting. 

XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. XX/XX/XXXXs-2 ] ( a ) .3 of the FCRA states " If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' Again, this was not done. I 'm sure Wilshire is aware of the consequences of violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act as well as the multiple violations their company is now responsible for. If not, let me point them out for you : FCRA 1. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. XX/XX/XXXXs-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. 
XXXX. XXXX. Procedure in case of disputed accuracy [ XXXX XXXX XXXX ] ( XXXX XXXX Treatment of inaccurate or unverifiable information. 

XXXX. Civil liability [ XXXX XXXX XXXX ] ( a ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} I have made numerous attempts to resolve this matter. Wilshire has continued to sent form letters which do not appear to be specific to my individual situation.
Product: Credit reporting or other personal consumer reports

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

r 15 USC 1681. 15 U.S.C 1681 section 602 A. States I
have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX BANK ) XXXX Balance : {$4300.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Checking or savings account

Hello, On XX/XX/23 I received a call from Wells Fargo Customer Service number XXXX ( XXXX ) XXXX and they went through some attempted fraudulent charges on my account. I told them all of these charges were fraudulent and I wanted to proceed with pressing criminal charges. I told them I didnt want a new card at this time and I would updated my password and PIN. 

While I was on the phone with the Wells Fargo, I received notification emails that my current card had been added to XXXX play on a XXXX device ( not authorized by me ), then an email that I had requested a new card ( also not authorized by me ). I also noticed {$390.00} had been transferred from my savings account to my checking account ( also not authorized by me ). 

I called Wells Fargo back and told them all of the above information, we went through recent charges and I told them the {$100.00} and {$400.00} atm withdraws from XXXX were fraudulent and submitted a claim. I was told it can take up to 10 days to resolve the claim.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment Reporting on Account # XXXX Dear CFPB, I am writing to formally dispute inaccurate information on my credit file regarding the SYNCB/LOW account ( # XXXX ). As mandated by the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure all reported information is accurate and to promptly investigate disputes. 
The payment status for this account incorrectly indicates " 30 days late, '' despite my consistent on-time payments. I have attached supporting documentation to verify the account 's actual payment history. 
Below are the account details : High Balance : {$830.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Paid Account Status : Closed Payment Status : Late 30 Days Creditor Remarks : Canceled by credit grantor Two-Year Payment History : Indicates " OK '' for all months but still reflects a " 30 Days Late '' status inaccurately. 
I am requesting a detailed description of the investigation process conducted under 15 USC 1681i ( a ) ( 7 ). Additionally, I ask that you provide valid documentation, including payment dates, amounts, and evidence substantiating the reported late payment.

If no valid proof can be provided, I demand that the account 's payment status be updated to reflect " Paid As Agreed Never Late. '' Failure to resolve this within the FCRA-mandated 30-day investigation period will be considered a violation of my consumer rights.

I appreciate your prompt attention to this matter and expect an accurate and fair resolution. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I received a loan on my car I paid months in advance. Ive asked for extended temporary tags, as the car is still sitting because I never received my license plate or anything to register the car. I had the vehicle for 5 months never received anything for my vehicle to be registered. I gave the dealership and the bank my updated insurance and drivers license. A few days later I received XXXX letters from the back saying I have late payments on the vehicle all dates the same date and received on the same day with a rubber band around all the letters. I never received the money that was sent back to the dealership nor did I receive my car title.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, GA XXXX 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Good morning, I received a credit alert from XXXX XXXX XXXX  XXXX XXXX XXXX, and XXXX Credit Bureau that there was a Hard Inquiry pulled from an institution : CB Indigo -- Bank on Monday, XX/XX/year>. 
I do not recognize this institution, and never authorized them to pull a hard inquiry from my credit report, nor do I even know what type of business this is. 
I strongly suspect that my identity was stolen. 
Also, I called the number for this institution CB Indigo Bank ( XXXX ) and they do not provide any assistance over the phone whatsoever. 

They only have an automated system that asks to provide Personal Identifiable Information ( PII ) such as a social security number. 
I am certain this is the case of identity theft and this institution is not helping whatsoever. 

I am pleading for help from the Consumer Financial Protection Bureau to have this matter resolved, and the hard inquiry removed from my credit report. 
More importantly, I suspect that this institution is fraudulent. 

Looking forward to hearing back from you. 
Thank you so much.
Product: Mortgage

My original lender WAMU declared bankruptcy and Chase bank took over the note.

They started to change the terms of the note and were also demanding I obtain Hurricane insurance and a very high price. ( My note with WAMU only required wind and storm insurance ) Therefore they were changing the terms of the note that they took over, which is illegal. So I joined a multi-plaintiff lawsuit, just asking to prove they own my note and weather or not they can make changes to it. When I joined the lawsuit, I was never behind in my payments, nor was I ever late on any payments. When I went to make my next payment, Chase turned of my web portal, where I paid from, and stopped sending me my statements. We demanded that they turn back on the web portal and send me statements so I can continue paying, but they ignored it and never sent me a statement again for a few years. I have certified and registered letters stating that I did not want to fall behind and that I was not behind and that this would cause me extreme undue harm. We even have emails from my attorney to theirs, telling them that this was illegal, but they ignored them. This is the definition predatory lending if there ever was one. Well now it has been 10 years and they have piled on all kinds of crazy late fee 's, bogus charges, etc,, I WAS NEVER LATE! Please help me. All of this is on record and in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My grandparents bought a timeshare from XXXX XXXX many decades ago. They let me use it a couple of times. When they died, it was bequested to me. I never accepted it, I never executed any documents, I never received any disclosures. 

I started receiving maintenance bills - which I paid for awhile as a young person because I didn't know any better. Ultimately, I could not afford to pay them and contested. XXXX XXXX claimed I was responsible because the timeshare was willed to me and I paid several bills. I disagreed but could not afford a lawyer to contest. 

Since that time, they continue to bill me then send the unpaid bill to Meridan Financial, which places me in collections every year and reports to credit bureaus. 

I have been turned down for loans and mortgages due to this negative reporting. I have contested with all three credit bureaus but they have not removed the reports, which accumulate on an annual basis.
Product: Credit reporting or other personal consumer reports

" Your agency is in clear violation of federal law! 

15 U.S.C. 1681 Section 602 ( A ) asserts my unequivocal right to privacy. 

15 U.S.C. 1681 Section 604 ( A ) ( 2 ) declares that a consumer reporting agency must not release any account information without my explicit, written consent. 

15 U.S.C. 1681c ( a ) ( 5 ) mandates that a consumer reporting agency must not include any adverse information older than seven years, except for criminal convictions. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from providing a consumer reporting agency with information they know or should know is inaccurate. 

DELETE this immediately! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains 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 verifiedthat this item is being reported correctly? Who verified this item? 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 item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX, 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
Product: Debt collection

This allegation of debt is false. I do not owe these people. They refuse to provide complete information. I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. The items were not deleted, as requested. 
This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. 
Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).