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

When beginning the process of shopping for my rst home purchase by XXXX I was told by the banks finance manager that I did not qualify for a loan due to delinquent accounts existing on my credit prole. After signing up with a credit monitoring site i reviewed my report and discovered fraudulent activity i had no prior knowledge or consent of. I am requesting my laws of the FCRA be upheld justly and these accounts be investigated and removed urgently. I've also been made aware of IRS violations concerning these accounts as they are not only fraudulent but also charge off profit loss claims that I never received a 1099c for. These accounts need to be deleted or I will be forced to take further action
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I have been disputing the closed student loans on my Equifax reports for roughly 6 months. I have provided payment histories, copies of contracts, disposition of accrual of interest on loans, letter from the educational institution, XXXXXXXX XXXX XXXX  University, loan verification letter used to obtain mortgages, and copies of all information listed on my loan servicers online account for me regarding all information relating to any student loans that are or were being serviced by said servicer. 
I have sent the same information regarding these accounts to all three credit bureaus. The most recent correspondence from Equifax reflects a perfect payment history ( zero late payments ) but states that my accounts were past due when the consolidation loan I was granted closed the previous loans on XX/XX/2018. According to Equifax, the loan servicer reported to them that my loans were not in fact past due at all because the reported pay history reported by the servicer is perfect. 
I am asking you to please consider looking into this matter. I have sent enormous amounts of information/proof to all the credit bureaus. The only bureaus to agree with me and my findings are XXXX and XXXX. Please review the attached documents. I am more than happy to send you copies of all additional information that I have sent, upon your request. 
Please do not hesitate to contact me with any questions or additional information. 
XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 someone hacked my bank account with navy federal. They filed a dispute on my transactions and sent the money to their self. Navy federal didnt notify me of this situation nor did I get any text messages letting me know what had happened. I contacted navy federal and filed a fraud claim on my account. Navy federal then closed my account and told me I would be held responsible for the transactions that I did not authorize. I explained to navy federal that I didnt authorize those transactions and my account must have been hacked. I was told it could take up to a year to hear something back and if they deny my claim that I would be held responsible for the negative balance. So someone can just steal my money and get away with it and I have to be held responsible. Navy federal has a policy that covers any funds that have been taken from customers. Navy federal made me feel as if I was a villain instead of a victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in the end of XXXX, beginning of XXXX I filed a complaint about this loan which they say is mine. When I try complaining, all the credit bureaus do is try to get me to admit it 's mine. At the time this loan supposedly took place, I was freshly out of the hospital from my second XXXX. I 'm still XXXX XXXX XXXX XXXX XXXX, and the dmv had revoked my drivers license for medical reasons. I called XXXX XXXX XXXX  and explained to them, but they did n't want to hear it. I wanted them to show me the contract that I signed, that would have proved it was n't my being that I 'm right handed. After hearing that I had complained they closed the account, the original opening date was X/XX/2013. The item still appears on all three credit bureaus, and I want it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three dates are duplicates on my XXXX credit report. American Express has pulled my credit three times ( six times with duplicates ) on XX/XX/2020, XX/XX/2020, & on XX/XX/2020 soft inquiries. I have no American Express accounts, including no third parties associated with American Express. I called their XXXX and I keep getting transferred and the run around.
Product: Debt collection

XXXX XXXX it was capital one USA bank this was already took. Care of
Product: Mortgage

Dear CFPB, I'm XXXX XXXX the owner of the property at XXXX XXXX XXXX, XXXX, CA XXXX. Please allow this letter as a complaint as well as seeking for help letter regarding my Mortgage # XXXX with Amerisave XXXX. I'm currently up to and always pay the mortgage on time. However, there is problem recently with the property tax that make me feel overwhelmed and over budget. When I first purchased the house, the lender estimated my property tax to be around {$6500.00} for the first year and it would only increase about 2 % every year if the market goes up ( this is protected by California Prop 13 ). They calculated my DTI using my debt at that time and the estimated Property tax, Property Insurance, Principal and Interest payment. The law requires them to to factor everything in so the borrower can pay the mortgage and keep the house in the long run. I the final disclosure that I signed at closing, the property tax is still estimated at around {$6500.00} and that is verified with the county and appraisal. However, as long as I purchased the property, there is a substantial amount of increase in property tax that make it way over my budget. I understand that estimate can be wrong, however, there must be a margin of error at 10 % by the law so that even if it's wrong, the owner can still afford it. In this case, the new property tax is {$13000.00} which is almost double the amount that they estimated to factor in for the debt to income ratio. This make the debt to income ratio to be over 90 %. Now that I called them and they denied their fault when process the loan. They could have just denied the mortgage at that time, and advised me to find a cheaper house. They tricked me in the mortgage with cheap payment monthly, and now when their estimated number is wrong, they refused to help. Could you please help me with this? 

I have attached the Final Disclosure I signed at closing for your reference. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up XXXX to tell you that I am a XXXX XXXX XXXX XXXX and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX TER XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX  XXXX .... Balance XXXX - XXXX XXXX XXXX XXXX .... Balance : - XXXX XXXX ... XXXX XXXX : - XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$54.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Please Delete these accounts. I never had a written signature contract with these creditors for any debt. Provide me valid proof from the creditors that these debts are mine with the contractual agreement or remove them. Please help me get this issue resolved. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I had found a company online while looking for FHA lenders. E mortgage contacted me by text and scheduled me a meeting earlier in XXXX. During that meeting I was asked for multiple things including my social, working company, pay information etc. I was told I would be getting a email requesting physical information to continue the process for FHA assuming my responses qualified me for the loan process. However I never received the email for the information to continue the process and the person from the company I emailed maybe 5 times asking him for following up. I contacted the company by the text message informing them the advisor took my information and never contacted me back. I contacted the BBB informing the company of what took place. I have no responses from either entity for response. I emailed the advisor again last night informing him if I was not contacted by today after all my attempts I will be contacting state. However I will do that after this complaint process. If someone isn't a candidate then it should be stated. However I was lead and told to believe all my answers were valid for FHA loans. I gave all my personal information with no purpose.
Product: Debt collection

XXXX XXXX XXXX negotiated settlements with Creditors. XXXX XXXX XXXX appears to made payments late and bounced a check. XXXX XXXX  for my Mastercard and XXXX accounts took payments late then are calling stating agreements will not be honored. Even though XXXX XXXX  eventually got every XXXX of the agreements they will not honor them Due to COVID19 I have no money I lost more then 50 % of my income. I can not pay all my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on the accounts that I was never late for. 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 : XXXX XXXX XXXX Balance Owed : {$360.00} XXXX XXXX Balance Owed : {$350000.00}
Product: Mortgage

InXX/XX/2020 Due to COVID-19, I requested a Mortgage forbearance to SPS ( select portfolio Servicing ), it was accepted and mortgage payments were extended to XX/XX/2020. Because my job has been affected by Covid 19. OnXX/XX/2020 I contacted SPS and requested to add the 4 months to the principal, the representative told me that I didn't have this option, my only option was a 24 month repayment plan beginningXX/XX/2020. I didn't received any documentation, my wife called the lender in XX/XX/XXXX and she was told that I was not approved yet for the repayment plan. We decided to sold one of our cars to bring the house current, we were in a lot of stress due to this situation. I paid the 4 months inXX/XX/2020, for several days I enter to SPS website and the payment was not applied. My wife called SPS in XX/XX/XXXX and the representative told her that now I was approved for the repayment plan and the payment was applied this way : 2 months for the behind balance and 2 months for the repayment plan. If I paid the full amount behind WHY the lender didn't bring my mortgage payment current???? repayment plan??? We were told I was not approved. why I was not approved??? base on what?? I checked the website today XX/XX/20 and I do not have any new mortgage statement showing how they applied my payment of {$14000.00}, because they need to apply this amount to : principal, interest and escrow and send me my XXXX mortgage statement. I felt that I didn't have any help from them at all and I am still waiting that they applied my payment, this is causing us a lot of stress. Selling a car was not a good option for us, now we will need to buy another one in the future just because our lender didn't help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXXDispute XXXX XXXX  XXXXUnder Dispute XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX COUnder Dispute U.S. DEPARTMENT OF XXXXUnder Dispute all ftc
Product: Payday loan, title loan, or personal loan

SUN LOAN SHOULD NOT BE REPORTING ON MY CREDIT REPORT, IT WAS PART OF BANKRUPTCY AND SHOULD NOT BE ON THERE.
Product: Debt collection

Genis is collection company is trying to collect from me and I did not oWe I debt to XXXX. I moved out I have a payment ledger and new lease that I did not live there. I do not have any document that I signed that I signed a new lease and they didn't send me anything that saying I owe money my new address was provided and I have messages that provide this
Product: Prepaid card

I purchased several prepaid cards and they don't work. Received replacement cards and they also don't work. Emailed over my activation receipts and ID, the cards still don't work. Now I'm being told it'll take up to 30 days?!?
Product: Credit reporting or other personal consumer reports

Reported same item on credit report XXXX. Company just use old name and new name.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

My direct deposit was not available in my capital one checking account as it should have been on Friday XX/XX/XXXX in the amount of {$2700.00}. I was not notified of an issue until the day of and was not given any option for resolution. I had bills automatically scheduled to be deducted from my account that were denied due to my paycheck not being deposited.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute an inaccurate late payment reported on my Equifax credit report for my XXXX XXXXXXXX XXXX account ( Account Number : XXXX ). The reported 30-day late payment is incorrect, as I have consistently made on-time payments.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am exercising my legal right to dispute inaccurate information on my credit report and request an investigation into this matter. Under this federal statute, credit reporting agencies and data furnishers are legally obligated to conduct a reasonable investigation within 30 days and remove or correct any information found to be inaccurate, incomplete, or unverifiable.

Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) explicitly prohibits furnishers of credit information from reporting information they know or have reasonable cause to believe is inaccurate. Since I have provided sufficient evidence proving the inaccuracy, Equifax and XXXX XXXX XXXX  must immediately correct or delete this misinformation to remain compliant with the law. 

Supporting Evidence To support my claim, I have attached the following documents : Copy of my Drivers License and Passport Verifying my identity. 

Legal Request for Immediate Action In accordance with 15 U.S.C. 1681i ( a ) ( 5 ), I formally request that this inaccurate late payment be removed from my credit report, as it is causing unjust harm to my creditworthiness.

Additionally, per 15 U.S.C. 1681i ( d ), I demand that Equifax provide me with the name, address, and phone number of any entity that has accessed or reviewed my credit report in relation to this disputed information. 

If this dispute is not fully investigated and corrected within the 30-day period, I am prepared to escalate this matter further, including but not limited to : Initiating legal action under FCRA for willful noncompliance Seeking damages for credit harm under 15 U.S.C. 1681n and 1681o Request for Written Confirmation Please provide me with written confirmation once this dispute has been resolved and the inaccurate information has been deleted. If XXXX XXXXXXXX XXXXXXXX or Equifax chooses not to correct this error, I demand a detailed explanation of their findings, as required by 15 U.S.C. 1681i ( a ) ( 6 ).

I appreciate your immediate attention to this matter and look forward to a swift resolution. Should you require any further information, please contact me using the details provided above. 

Sincerely, XXXX XXXX Attachments : Copy of Drivers License Copy of Passport Credit Report Screenshot of late payment being reported on credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX bank account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Credit card

To Whom It May Concern, I am writing to dispute inaccurate information regarding a revolving credit account listed on my credit report. The account in question is marked as open/active, despite being closed by the creditor. Additionally, there has been no update to the payment information on this account since XXXX, though it is now XXXX, leading to further inaccuracy on my report. 

Account numbers in question : XXXX XXXX XXXX XXXX XXXX XXXX Specifically : 1. Account Status : This account is inaccurately listed as open/active when it was closed by the creditor. As a closed account, I believe a Form 1099-C ( Cancellation of Debt ) should have been issued if the debt was canceled or charged off. No 1099-C form has been provided to me, and without this form, the debt should not be reported as active.

2. Outdated Payment Information : The payment status has not been updated since XXXX. This inaccurate reporting fails to reflect the current status of the account and may impact my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete information on my credit report.

Please investigate this matter and take corrective action to update the account as closed ( or provide documentation substantiating it as active ) and ensure all payment information is current. If this account was indeed closed and the debt canceled, please remove it from my credit report or provide verification of a 1099-C form submitted to the IRS.
Product: Credit reporting or other personal consumer reports

This claim is fraudulent & illegal and misleading. I did not and never gave them or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DISCOVER the permissible permission to make or host such remarks ( 15 U.S. Code 1592,1681 bc
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 8 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Mortgage merged with XXXX XXXX XXXX. They suspended credit reporting last XXXX due to their merger, and they have told me they would resume reporting by XXXX XXXX. All payments have always been made right on time at the first of every month. My credit reports still show XXXX Mortgage with the last payment date of XXXX XXXX, XXXX and the balance as of last XXXX. I have repeatedly attempted to correct this via both email and telephone. XXXX XXXX is either unwilling or unable to report my payment history and balance correctly. My latest credit reports dated XXXX XXXX remain incorrect, with no history since last XXXX XXXX!
Product: Mortgage

My husband passed who was a veteran and I tried to get mortgage assistance to lower my mortgage payment. Round point my mortgage servicer refused to help me with lowering my mortgage payment. I called them a lot of time for assistance with my mortgage. I'm still living in the property and I want to keep my house. I'm elderly and need help
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my XXXX credit report today and found an unauthorized inquiry from Capital One appears on my credit report. 

The date of said inquiry is XX/XX/2020. 

I did not apply for a credit card with Cap One so there should be no inquiry appearing on my credit report.