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

I went to apply for a mortgage and have been denied because there are several accounts, aliases and addresses reporting to my Experian credit report that are not mine. We have identified the individual to whom they belong too, submitted an affidavit to Experian, they provided results for a few of the accounts but failed to fully investigate the rest of them and now they are telling me that my information is no longer in the system and they have no record of filing any disputes or submitting the affidavit. I will lose out on the home I have placed an offer on and deposit if they do not correct this issue immediately. 

PLEASE ASSIST ME RIGHT AWAY TIME IS OF THE ESSENCE FOR MY HOME PURCHASE.
Product: Credit card

Was offered a Walmart Credit Card thru Capital One with a credit limit of {$300.00}. Always paid on time. Then Capital One discontinued the Walmart Card. could not pay bill at Walmart. Only spend {$59.00} Capital One never send me a new card. Called Capital One the rep did not know how tp read the screen say I had more purchases, and it was the interest that was charged she cancelled the card and issued another one they have cancelled 2 cards never received any cards they cancelled still charging me double interest. Decreased my credit score by XXXX points.. Only owe {$59.00} for purchase + {$39.00} late fee they have I owe {$120.00} another {$29.00} fee has been added. I will be reporting them to the Department of Banking. Heard horrible stories about capital one and they turn out to be true.
Product: Credit reporting

As of XXXX 2016, my credit scores was XXXX, my debit to credit ratio was reduced, my credit limits were increased, as of today no negative information including inquires were place on my Experian credit report. I applied for a low interest credit cards and was notified my credit scores was lowered to XXXX. 
I attempted to reach out to Experian to obtain explanation and copy of the report, first problem which I have filed several complaint about, is due to the fact I have filed complaints against Experian I am now discriminatorily placed in a special department and only permitted to speak with one representative. If that representative is not available I have to wait days sometimes weeks for a response. 
In addition Experian database was attacked and I am suppose to have free credit protection and access for a set-period of time which I have been denied. 
I placed several calls to Experian to obtain copy of credit report and scores and rational for lowering the credit score to date Experian has refused to provide credit reports, scores. 
Each time I called I have been told I am able to go online to retrieve the report this is not true please find attached a copy of denial of online access from Experian. 
Therefore, I requesting the CFPB investigate the above mentioned discriminatory actions and enact, enforce laws that protect the consumers from this abusive practice.
Product: Credit reporting

I do n't even know Equifax has refuse to give me my annual credit report, I called them too many time I got not respond, IN ORDER TO DISPUTE ACCOUNT I NEED MY COPY OF MY REPORT
Product: Checking or savings account

Between XXXX XXXX XXXX there were XXXX  unauthorized charges on my husband and I account, equaling over XXXX. I contacted on XX/XX/XXXX and was told I could not dispute the charges yet as they hadn't cleared. On XX/XX/XXXX spoke with XXXX who still could not dispute all claims but opened XXXX we were advised to call back the following day. We called again told we can not dispute yet as charges were pending. By XX/XX/XXXX, again spoke with XXXX, who said he was ADDING the additional XXXX charges to the original dispute ( all XXXX charges of various amount ) and proceeded to make sure I was aware it COULD take up to XXXX business from initial dispute for provisional credits. Last XXXX XX/XX/XXXX, I called and was informed the person handling the case would try and have the case complete by that evening at the latest XXXX XXXXXX/XX/XXXX. On Tuesday after the disputes had not been completed I became vey frustrated, and spoke with a manager by the name of XXXX XXXX ( XXXX ) and WAS PROMISED the XXXX disputes would be returned no later than XXXX XXXX on XX/XX/XXXX. I still have not received the funds. I have since left XXXX voice mails with the manager and have not had any response. This is over XXXX  stolen, and what's sad is XXXX transactions and they didn't flag it as fraud its unsafe and irresponsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont understand why my accounts are being put on hold. Ive never had a bank account in my name except one where I opened and got scammed and had to try to close it. I reported that I was scammed ans a victim of fraud. Gave out information that i thought was being protected and used for good use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed two student loan accounts on my credit report that is being investigated by the federal government under the Borrow Defense Program through www.studentaid.ed.gov. Under these terms, I have the right to request a stop collection on any student loans on my credit report. I have disputed these twice and I have provided the documentation detailing this to Experian. Experian has refused to remove these items from my report even after I called and spoke with them directly. Over the phone, a representative stated that they investigated my loans under a fraud investigation. I explained to the rep. that Experian did not review my documentation correctly, nor did they review the supporting documentation correctly. I am requesting that these loans and any future collections regarding these loans be removed from my credit report immediately.

This is the message I submitted to Experian : I am requesting that these accounts be removed under the federal government 's Borrower Defense Program : Stopped Collections Status. See borrower defense section at www.studentaid.ed.gov. Please remove the below accounts off of my credit report. These accounts are being investigated by the federal government under the Borrower Defense Program, the school I attended misled and engaged in fraudulent practices that resulted in me taking out these current loans. I have attached documentation for your company to review. XXXX Account # XXXX Account # XXXX
Product: Bank account or service

hello I had an account with paypal last year and purchased certain items from XXXX and never gotten my item so I filed a complaint and paypal shut down my account and refused to close it or let me close it but said go ahead and reopen a new account so I did with my same personal information. 
now with the new account I filed an item complaint in which I received my refund from the seller but paypal shutdown my account again and claim that I have too many complaints and I can no longer have a paypal account and refused to close my old account or new one what can the CFPB do for me. 
I want paypal to close both my accounts to be satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover is reporting an account on my file that I do not recognize. I recently took a look at my credit and noticed there is an old account there that it says I'm an authorized user on. I do not recall ever being added as an authorized user and this account was not put by me.You have nothing bearing my signature. This needs to be removed.
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number:XXXXXXXX My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
XXXX5 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Please add my contact telephone number to my credit profile. My contact number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage company XXXX XXXX has reported me delinquent on 2 separate occasions despite being on Covid forbearance both times. This has severely and negatively affected my credit. Once reported the the me through a long cumbersome process despite it being their fault ( twice ). They also insist that I have to make a lump sum payments on the 2 payments that I misses during forbearance despite informing them that I want the payments added to the end of the loan as the CARES Allows. They refuse to do this. 

I need assistance in dealing with this unresponsive and unhelpful mortgage company.
Product: Credit card

This card was included in bankruptcy of husbands. They are still reporting it as delinquent 7 years later.
Product: Credit reporting or other personal consumer reports

XXXX it may concern I have these closed accounts with JPMCB CARD SERVICES Closed on XX/XX/XXXX & JPMCB CARD SERVICES Closed on XX/XX/XXXX. JPMCB agreed to remove these off my credit report if I paid in full which I did. They had promised to remove from my closed accounts and would no longer report to transunion, XXXX and XXXX or any other credit reporting agency.
Product: Checking or savings account

Sometime last month, I scheduled an appointment with my nearest Navy Federal Credit Union which is an hour and a half away from my residence to deposit some dividend checks. I informed the branch manager through email before I arrived that I was looking to deposit some securities and transfer them to my Treasury Direct Account. Upon arrival, I was greeted by another young lady in the office who wanted me to explain the purpose of my appointment. Immediately, she had no idea what I was talking about. I informed her that as a security transfer agent, this is their duty. She denied them being a security transfer agent and informed me that she was sure this was something Navy Federal took no parts in. I also let her know that I did have a scheduled meeting with the branch manager, XXXX XXXX. She apologized and seated me until she was available. XXXX XXXX XXXX was upstairs busy. My scheduled appointment was for XXXX, I did not see XXXX XXXX until well after XXXX. As soon as I walked in the office I felt immediate judgement. I informed XXXX XXXX that I wanted her to transfer my dividend coupons to my treasury direct account and the look explained everything. XXXX XXXX told me what I was attempting to do was a scam and she could not help me. I have never been more humiliated in my life nor called a scammer to attempting to live up to the laws of the United States. After the appointment, I called customer service and spoke with two different supervisors who stated the same : they aren't comfortable with transferring anything to my Treasury Direct Account and they had never heard of this process before. Navy Federal has lost my support on transferring any of my treasury assets to my account and I am currently looking for another bank.
Product: Debt collection

To whom this may concern, i responded to a negative charge off on my credit report from Exeter finance LLC/ XXXX my account number is XXXX  This car was totaled by the insurance company and the remaining balance was paid in full by the gap insurance. The vehicle was parked on XXXX XXXX XXXX XXXX XXXX  occurred over night striking the vehicle totaling it out. Its already sad enough I lost my vehicle due to criminals not knowing how to act while I was asleep in my home. This is affecting my credit score. exeter finance agree the balance is completely paid off but refuses to provide me any additional paperwork regarding the XXXX balance. I tried to despite this a numerous amount of times but fail to due so because I dont have the provided paper work due to exter finance being unprofessional. I have asked for all documents on the vehicle and was told they are unable to provide documentation. This needs to be deleted off my credit report especially if documentation isnt provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I went to apply for a personal loan at a bank it says I had too many inquiries within 12months... too many transactions ... .etc. When I got all the copies of inquiries, my name ( both first and last ) was spelled improperly, addresses was incorrect, and I previously sent in a complaint and have yet to hear of the outcome, it's been over a year. Now I'm trying to correct and fix everything properly again.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX* DEPTEDXXXX XXXX US DEPT ED XXXX DEPTEDXXXX  XXXX US DEPT ED XXXX DEPTEDXXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX
Product: Mortgage

I am attempting to close the equity line of credit. Bank of America is refusing to file necessary paper work to get lien release without me paying fee of {$13.00}. I have contacted them several times but they continue to refuse to close the loan and get loan release without me paying them {$13.00}. At time of closing I asked if there were any fees to close line of credit and I was told no fees of any kind.
Product: Credit card or prepaid card

My husband is XXXX military and we got married XX/XX/XXXX. In accordance to the Military Lending Act my account is applicable for the cap rate of 6 %. On XX/XX/XXXX, I called to inquire on getting the 6 % cap and was told its only given to new applicants. The name is run through the DOD website at that time of application.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Late Payment Reporting for XXXX XXXX Account Dear Sir/Madam, I am writing to formally dispute the inaccurate information reported on my credit file concerning my XXXX XXXX account. The discrepancies between XXXX and Experian reports violate provisions under the Fair Credit Reporting Act ( FCRA ) and Federal Trade Commission ( FTC ) regulations. I request an immediate investigation and correction of these inaccuracies. 

Account Details : Account Number : XXXX Account Type : Revolving Charge Account Date Opened : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( Experian ) Balance : {$8100.00} Credit Limit : {$8200.00} Monthly Payment : {$230.00} Past Due : {$400.00} Payment Status : Late 60 Days ( XXXX ) / Late 30 Days ( Experian ) Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( Experian ) Date of Last Payment : XX/XX/XXXX Discrepancies Identified : Payment Status : XXXX : Shows Late 60 Days. 
Experian : Shows Late 30 Days. 
Date Last Active : XXXX : XX/XX/XXXX. 
Experian : XX/XX/XXXX. 
Two-Year Payment History : XXXX : Indicates 60 days late for XXXX and XXXX XXXX, 90 days late for XX/XX/XXXX. 
Experian : Indicates 60 days late for XXXX and XXXX  XXXX, 90 days late for XX/XX/XXXX. 
Date Opened : XXXX : XX/XX/XXXX. 
Experian : XX/XX/XXXX. 
Request for Action : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, credit bureaus are required to conduct a reasonable investigation when a consumer disputes information on their report and to correct any inaccuracies found. Additionally, the Federal Trade Commission ( FTC ) mandates that credit reporting must be accurate and complete as per their guidelines on fair credit reporting. 

Verify the actual payment history and status of my XXXX XXXX account. 
Correct the payment status to reflect accurate information consistent across both credit bureaus. 
Update the date last active and date opened to ensure they are accurate. 
Align the two reports to reflect consistent and accurate information. 
Supporting Documentation : Enclosed are copies of recent XXXX XXXX account statements that clearly demonstrate timely payments. These documents should assist in verifying and correcting the inaccuracies. 

Legal Basis : In accordance with 15 U.S.C. 1681c, information on a credit report must be accurate and reflect the consumer 's true credit history. The discrepancies in payment status, dates, and account details reported by XXXX and Experian violate these provisions. The FTC enforces that consumers have the right to dispute and rectify such inaccuracies, and credit bureaus must address these disputes promptly. 

Please investigate this matter thoroughly and correct the inaccuracies as soon as possible. I expect written confirmation of the corrections made to my credit report. Should you require any further information, please contact me at the details provided above. 

Thank you for your immediate attention to this matter.
Product: Credit card or prepaid card

I have submitted a prior complaint regarding Comenity Bank. I mailed my bill on the XXXX of XXXX. The check cleared XX/XX/XXXX. My new statement reflects no payment received and a late fee. However aforementioned the check was processed and now I owe a late fee. Ironically, in speaking with the customer service from my first submission, she admitted that her company was trying to figure out how to process payments faster. In the meantime, customers are charged late fees for their inability to process payments in a fair and timely manner.
Product: Mortgage

I have encountered significant problems with the business practices at Mortgage Research Center , LLC, operating as " Veterans United Home Loan. '' These issues involve a disregard for privacy rights, failure to include my husband in communications, a monetized real estate broker referral operation, dismissive response to my concerns, problematic content in emails from their managers, and instances of retaliatory behavior. It has become evident that the managers referred to as " advocates, '' hold complete control within the company, with no higher authority to address these matters. 

I received a referral from Mortgage Research Center , LLC, operating as " Veterans United Home Loan, '' to a supposedly " top-rated, '' " experienced '' real estate broker with claims of additional training. Mortgage Research Center , LLC, operating as " Veterans United Home Loan, '' made further claims regarding their real estate broker referral operation, stating, " I do want to let you know about our " Bundled Benefit '' that you would automatically qualify for by using the agent we recommend and our loan team this will save you money at the closing table by buying down your interest rate, saving you money over the lifetime of your loan! ". 

However, the referred real estate broker did not meet our family 's needs. Subsequently, I found a different real estate broker and brokerage that is currently meeting our needs. It was not initially clear to me that Mortgage Research Center , LLC, operating as " Veterans United Home Loan, '' had a financial interest in the referral rather than prioritizing our best interests. This information came to light after terminating the relationship with the referred broker. When presented with a contract regarding this affiliation before another potential referral, I promptly refused to sign the agreement and declined any further referrals. I have no memory or documentation of signing an affiliation agreement, nor does my husband. 

I am concerned for the well-being of other real estate consumers being marketed to by Mortgage Research Center , LLC, operating as " Veterans United Home Loan , '' and the impact of their business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have found the account listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under LATE OPEN end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Navient mislead with information about repayment. Forced me into forebearsnce with incorrect explanations of the consequences XXXX lead to coerced decisions Threats against my children receiving financial support
Product: Credit reporting or other personal consumer reports

company never sent out letters and Due to multiple XXXX I was unable to communicate with anyone from the bank.