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

I received a copy ot my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a lew accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

I demand the following accounts be verified or removed immediately. 

In accordance with the Fair Credit Reporting act XXXX  Account # 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: Credit reporting, credit repair services, or other personal consumer reports

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between your company and me. Please update the following account : XXXX XXXX XXXX : {$260000.00} Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.
Product: Student loan

I have been receiving continuous harassing phone calls, voicemails, and emails from Nelnet. Prior to XXXX I was current on my loans services through Nelnet. I was enrolled in auto-debit and never missed a payment. Of course when XXXX hit all federal loans were paused through this year. Now that the loans are ( as of now ) supposed to be active again in 2022 Nelnet has been harassing me to start paying again. Whether or not the loans are due again next year does not matter, as it stands now the loans are currently paused by the administration. Nelnet should have no right to contact me, especially in a harassing way as they have been. I have uploaded proof to back up my complaint. Please contact me as soon as possible.
Product: Checking or savings account

Wells Fargo Bank refuses to answer the complaint after telling me over the phone that they will.. The last representative not to answer the complaint was XXXX XXXX from Wells Fargo Bank
Product: Student loan

on XXXX XXXX XXXX I made a XXXX sent payment to navient this was suppose to make the loan current but navient took part of the payment and applied it to the principal. So I did not know the loan was sitll late. I payment was XXXX so that is what i paid. So on XX/XX/XXXX I make another payment XXXX and tell the guy this is for loan 1 however, they split the payment with loan 2 and now loan 1 is not current because they did not do what i asked. So today I get ready to make a payment an now I owe over XXXX. They are making extra money off of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, I am writing to request the removal of two missed payments from my credit report as per the rules of construction under 15 USC 1681 B Title Definitions. 

I missed two payments on my XXXX Credit Card Account Number : XXXX on XX/XX/XXXX and XX/XX/XXXX. As per the terms of the agreement, these missed payments was reported to the credit bureaus, affecting my credit score and making it difficult for me to obtain credit in the future.

However, I would like to draw your attention to the rules of construction under 15 USC 1681 B Title Definitions, which state that any information reported to the credit bureaus must be accurate, relevant, and substantiated. In the case of the missed payments.I believe that it does not meet these criteria, and as such, should be removed and brought to current. 

I would appreciate your prompt attention to this matter and your confirmation that the missed payments have been removed from my credit report. 


Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have noticed what Experian has placed on and done to my credit report/ FICO from XX/XX/XXXX up until now XX/XX/XXXX Score. Not even within 2 months, I have noticed that Experian has dropped my FICO/ Credit score significantly and I do mean significantly by XXXX points. Causing my FICO score as well as my credit score to drop. Although I have reached out to a company on my report by the name of XXXX XXXX and spoke with a rep the rep stated that they have corrected this error/ problem and that it's Experian who are the ones to correct/ fix this on my report now. 

I do not believe this is incorrect or not right by ***LAW* according to the CFPB website. Even when a hard pull is done which I have had within the last month or so this still would not cause my score to lose over XXXX points this is outrageously ridiculous, and I would like this error fixed/ corrected ASAP. Or there will be further actions taken against Experience regarding this matter.

My FICO score as well as my credit score was very close to XXXX and out of nowhere, Experian decided to knock off a BIG XXXX points without even doing an investigation *The Right Way*** I have even noticed that when filing a dispute how very quick Experian seems to have results ready for me within less then 2 weeks. This is an indication to me that someone is either NOT doing their job correctly when I file disputes or breaking the LAW by just deducting points from my score. I have provided my Experian number below along with my contact information for someone to get this matter resolved ASAP. Or I will be forced to join in the **Lawsuit** that is already against Experian regarding the same matter. 

I have even reached out to Experian support help via email regarding this matter and still no reply/ response. My score went from being close to XXXX and now down to XXXX this is insanely crazy and may I add in such a very short period wow. Also, I noticed that Experian has yet to update my payment info regarding my ***XXXX XXXX*** Account which is in good standing/ payments but Experian still has this showing on my report as ***LATE** when it is NOT Late
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

INQUIRIES : XXXX XX/XX/year> XXXX XXXX XX/XX/year> : XXXX XXXX XXXX XX/XX/year> : XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Mortgage

I have a FHA loan with Freedom Mortgage and my mortgage insurance was scheduled to fall off on XX/XX/2017 I have called several different times to confirm this date. I 've been staying one month ahead on my payments so last month I called because I was wanting to make my XXXX payment, but the online site was still showing the mortgage insurance was still included on the payment. So I called a customer service agent with Freedom Mortgage who checked and verified the date of XX/XX/2017 and stated that was correct, and that the online site had just not updated yet since I was a month ahead, and told me my payment would go from {$420.00} to {$380.00} so if I wanted to I could go ahead and pay the {$380.00} and that it would probably be better to mail it than pay online so she mailed me out another statement and said it would't hurt to make a note on it that the mortgage insurance was due to fall off on XX/XX/2017 I was paying for XXXX so it was no longer due and that this was my new amount. Well I decided to just wait and let my payments catch up and it would update on it 's own, So I received my XXXX bill and it still does n't reflect the amount that is to fall off. So I call again on XX/XX/2017 and that agent tells me that I need to request for the mortgage insurance to remove in writing and mail or fax it to them. That really upset me, I told her I just spoke to an agent the previous month & what she had told me, so she said she would talk to her supervisor to see about having it expedited. when she returned to the phone she said her supervisor stated that the mortgage insurance payments ran a month behind so I would have to pay them for XXXX and it should be updated before my XXXX payment.I told her I did n't agree with that that a date was set of XX/XX/2017 and that should be the date they honor & that I would find someone to check into this matter for me to see if what they are saying is true or not.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I transferred XXXX euros to Coinbase by bank transfer. The money was not there the day after so opened a support ticket. 9 days later they replied with a generic response. I have contacted them many times since but still dont have the money in my Coinbase account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made more than 4 attempts to have my credit report fixed. On XX/XX/XXXX, the XXXX XXXX XXXX XXXX ( Creditor ) has notified me that they have NOT reported the information as indicated on the report provided to me on and before XX/XX/XXXX. 
I have disputed the account since XXXX of XXXX and provided ( XXXX, EQUIFAX AND XXXX ) with the documentation provided to me by the creditor ( XXXX XXXX XXXX XXXX ). The agency knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. They have failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. They have communicated and are continuing to communicate incorrect and defamatory information to third parties. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I was never late on my accounts espeially not 90 days. It wendt from30 to 90 days when in fact they are reporting payments being made in the months I allegedly was late.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$1400.00}.
Product: Credit reporting or other personal consumer reports

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX, PA XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom this may concern. 

I recently received a copy of my XXXX XXXX and Transunion credit report and I noticed some late payments posted on my credit report. 

Account Name : XXXXXXXX XXXX XXXX XXXX  : XXXX Your company is in clear violation of the law XXXX15 U.S.C. 1681b, Permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

Did I give you written instructions to report this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C 1581a ( 2 ) ( A ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; Delete the above account from my credit report. This agency is in violation of 15 U.S.C 1681a.

Failure to response I would take legal actions under 15 U.S.C 1681n Seeking a {$1000.00} for each Violation.
Product: Credit reporting or other personal consumer reports

Last XX/XX/year>, I went to make a vehicle loan with a dealer and to make a loan through a single bank, they ran my credit through 12 different banks on the same day without authorization. 
XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX of XXXX XX/XX/year> XXXX XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXX BANK ( Bank ) XX/XX/year> XXXX XXXX XXXX  ( Finance ) XX/XX/year> XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

called fifth third bank for mortgage forbearance around XXXX of 2020. The forbearance plan was initiated but was cancelled shortly after before my mortgage for the month of XXXX was due. Fifth third bank officially cancelled it after I called in. Afterwards I paid my mortgage on time for the next six months until XX/XX/2020. Thats when I called in to initiate covid mortgage forebrance again according to the CARES Act. This time I officially utilized it for 12 months. Fast forward to now its been a year and I have 6 month left on my extension for foreberance since CAREs act stated 18 month total for my situation, and the mortgage servicer confirmed I do qualify for 18 months. While on the phone with their customer service representative they stated I can not have my full 18 months because XX/XX/2020 I called in to start foreberance. They are counting the 6 months gap between XX/XX/2020 to XX/XX/2020 as foreberance taken, even though I wasnt on the the plan becuase it was cancelled and I made all Mortgage payment due on time during that 6 months gap. The customer service also lied on the phone stating they are doing this because its their investors policy. And the investor happens fo be XXXX XXXX  which the representative gave me their customer service number. I called XXXX XXXX they have stated they never issued any policies regarding this and they abide by the CARES Act of granting 18 months of forbearance. 

The above paragraph was from my last complaint. It's still valid. Now I need to my last 3 months of forebearance and fifth third bank has denied it again. I was told it might be possible to get an exception from XXXX XXXX to proceed but I still haven't received any confirmation from fifth third bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX- original creditor ( XXXX ) XX/XX/XXXX balance {$1200.00} 2. dept of Education- XX/XX/XXXX Balance {$1600.00} 3. Dept of Education- XX/XX/XXXX Balance {$630.00} 4. Dept of Education- XX/XX/XXXX Balance {$1000.00}
Product: Debt collection

I, XXXX XXXX am speaking for myself in this claim. IC SYSTEM is illegally reporting on my account. Cease and Desist all forms of communication. You lack my permission to communicate on any debt pursuant to 15 usc 1692c ( a ). Negative reporting is defamation of character. according to 15 usc 1692k ( a ) ( 1 ) I have the right to collect ACTUAL DAMAGES. this negative reporting on my credit report has cost me securing a new car. I C system is extorting me by reporting on my credit for this alleged debt. Cease and desist communication. You will receive a letter in writing via certified mail. To avoid any statements about this not pertaining to IC system for whatever the reason, I have include, for your convenience the laws stated. I am entitled to remedy as a federally protected consumer and simply request you remove your reporting or I will full exercise my rights and seek remedy in full.
Product: Vehicle loan or lease

I have been paying the loan always before XXXX. My income has decreased in the past XXXX years. They start calling me at XXXX XXXX XXXX  day after it is due and at least XXXX times a day and XXXX day afternoon and evening
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, account number XXXX, account number XXXX, account number XXXX, account number XXXX have violated my rights. 15USC 1681 section 602 8 states I have the right to privacy, 15USC 1686 section 604a, section 2i also states a consumer reporting agency can not furnish my account without my permission.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : XXXX. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXXXXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX XXXXccount Number : XXXX Creditor/Collection Agency Name : XXXX  Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

XXXX. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ).

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry.

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I initiated a outgoing wire from XXXX XXXX XXXXXXXX to Chase. The wire was duplicated, money was received twice. The receiver went to his branch office to return the funds and was told that the bank would not process the transfer. Branch representative said that this was fraud and refused to return the funds. Chase has blocked every effort to recover the duped transfer, violated fiduciary duty, and alleged factually incorrect allegations. Branch rep was rude, unprofessional and difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires that were not Authorized
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history 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 to be updated.

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!

15 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.

EXPERIAN 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! 


Update the late payments from my consumer reports
Product: Credit card or prepaid card

On XX/XX/XXXX or XX/XX/2021 my credit limit was decreased from {$6200.00} to {$500.00}. This is the only month I've paid after the due date going on 2 years. All of my accounts are on autopay and I thought this was too. The credit report Chase used has a lot of incorrect info such as account inqueries from companies in which I've never attempted to do business. I was on hold for 55 minutes and eventually spoke to an agent who refused to restore my limit.