23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX XXXX XXXX was closed and transferred to collections on XX/XX/XXXX. On XX/XX/XXXX I completed loan rehabilitation and the record of default was ordered deleted and my loans were returned to Great Lakes XXXX services. Ive been making payments monthly since that time. My current XXXX XXXX being serviced by Great Lakes XXXX services is XXXX. In a previous complaint to CFPB, Great Lakes XXXX services stated that once a loan is closed and transferred they can no longer make any reporting changes or modifications to payment history on that loan and therefore could not offer remedy for loan XXXX. On XX/XX/XXXX Great Lakes XXXX services reported a late payment of 120 days past due for the month of XX/XX/XXXX on XXXX XXXX XXXX. This is not only a contradiction to earlier claims that they can not change payment history once a loan is transferred but a blatant violation of my rights under FCRA. The rules do not allow reporting of additional late payments on accounts that are settled. Ive attached a copy of my XXXX  credit report dated XX/XX/XXXX that shows the late payment reported bu Great Lakes XXXX services and has caused a significant decrease in my credit score. I want this fix immediately or I will be forced to pursue other avenues for relief.
Product: Credit reporting

Experian is refusing to remove outdated creditors on my credit report. The following creditors have been reporting minimal 9 years and some more than eleven years which according to FCRA if the creditors have not been deleted I am within my rights to request for them to be deleted from my credit reports. Upon reviewing my credit report ( report number XXXX ), I discovered obsolete accounts. Please delete this accounts immediately as they are too old to be in my credit file. If for some reason the account is verified, please send me the name of the person who provided the information and the method in which it was investigated. It is also against the FCRA to re-age accounts and they seem to be doing this as well. 
Account names : XXXX, XXXX, Date opened XX/XX/XXXX XXXX, XXXX, Date opened XX/XX/XXXX XXXX,XXXX, Date opened XX/XX/XXXX duplicate account XXXX, XXXX, Date opened XX/XX/XXXX XXXX , XXXX, Date opened XX/XX/XXXX Transferred, closed. 
XXXX, XXXX, Date opened XX/XX/XXXX Transferred, closed XXXX, XXXX, Date opened XX/XX/XXXX Then Experian is reporting names that are not mine : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX,XXXX XXXX , XXXX They have this XXXX as my address, I have never had a XXXX : XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report XX/XX/2024 and noticed that some items on my report are inaccurate. And according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

These Accounts XXXX [ XXXX XXXX XXXXXXXX ] Account Number : XXXX XXXX [ XXXX Account Number : XXXX Are not complete and accurate. 


[ XXXX XXXX XXXX XXXX ] open date is not reporting correctly, this account is not accurate. 


[ XXXX XXXX ] open date is not reporting correctly, last report date is not reporting correctly, balance is not reporting correctly, past due amount is not reporting correctly. This account is not accurate.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year>. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : The payment for XX/XX/year> was made on time. However, due to a clerical error by the bank, the payment was incorrectly processed, leading to a wrongful late payment mark on my account. I have attached the bank statement and payment confirmation as evidence to support my claim. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

In XX/XX/XXXX, I explored renting a unit at an apartment complex called " XXXX XXXX '' in XXXX XXXX, FL, while caring for an ailing grandparent nearby. I gave my information and submitted an application, and gave a " refundable '' deposit to an agent on-site at the XXXX XXXX XXXX named XXXX. I never signed a lease or committed to living in the building. In XX/XX/XXXX, my grandfather passed, and I no longer needed to lease a second unit ( I live in XXXX   ) in XXXX XXXX. I contacted XXXX on XX/XX/XXXX to officially cancel my rental application and return my deposit on the unit ( see " Re : XXXX XXXX - Proof of Income '' email thread ). I received confirmation on XX/XX/XXXX from XXXX confirming the cancellation and refund amount. On XX/XX/XXXX, XXXX informed me that the refund would arrive by check in " 2-4 weeks '', On XX/XX/XXXX I contacted XXXX again as the refund never arrived. She offered to check with her management but then stopped responding to emails/phone calls after that date. I tried escalating by contacting the corporate-manager XXXX XXXX XXXX XXXX XXXX also without any response. Finally, I contacted XXXX XXXX and initiated a dispute ( it was charged to my card ) for the {$350.00} deposit plus the {$120.00} " application fee '' given the circumstances. I forwarded all of my correspondence with the building, and XXXX XXXX found the dispute in my favor and reversed the charge. On XX/XX/XXXX, I received a " Move Out Statement '' from XXXX indicating I owed {$550.00} to XXXX XXXX- where I never executed a lease or occupied a unit. Multiple emails and phone calls to XXXX XXXX and XXXX went unanswered ( see second email thread ( " RE : Need Assistance XXXX XXXX XXXX Move Out Statement '' ). In XX/XX/XXXX, I was notified by the major credit reporting agencies that a collection had been filed on my credit report from " Columbia Debt Recovery '' acting on behalf of XXXX XXXX. I attempted to dispute those records with XXXX, XXXX and XXXX but they have so far not removed this clearly erroneous item from my credit report and are allowing this entity to now tarnish my credit records. Please help.
Product: Mortgage

I have a Caliber Home Loan account where I make monthly payments for my mortgage. At one point, like many other hard working Americans, I had fallen on financial hardships and was late on a few payments. 

I was late XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was never over 90 days. I tried my best to catch up earlier. 

I also had a second mortgage with XXXX, on the same mortgage, where I make my monthly mortgage payments. At the same time, due to financial hardships, I was late on those payments. 

I was late XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FRCA ) to conduct a reasonable reinvestigation of disputed information on my credit report. leaving inaccurate or unverifiable accounts unresolved. The Consumer Finacial Protection Bureau ( CFPB ) has recently filed a lawsuit against TransUnion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where TransUnion has neither corrected or 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 TransUnions inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX  XXXX XXXX Balace Owed : {$0.00}
Product: Mortgage

I have already filed two complaints against Wells Fargo and after the second complaint they actually did assign a single point of contact and initiated a review of my current financial circumstances. As pointed out in my previous complaint, things had changed, my financial situation has improved, I have my daughter and son in law living with me and they are working and contributing to all household bills. I have increased my sales and commissions each year from my XXXX XXXX job and Wells did not have any of this information on record. While this initially seemed like good news, my assigned point of contact at Wells Fargo named XXXX has disappeared on me. I have tried to reach her several times, as has the nonprofit that has been assisting me and there has been no response. XXXX had misplaced or lost my updated financial information on three different occasions over the last month and conveniently enough Wells Fargo scheduled a sale date for next month. Based on Wells Fargo 's track record with customers I believe this to be intentional and a prime example of dual tracking. Wells told me they would allow me the opportunity to be considered for all homeowner assistance programs and after I provided them with the information they requested they lose or misplace it on multiple occasions and at the same time set a sale date. This is concerning, and not the first time this bank has engaged in unethical behavior. They should be investigated by your organization.
Product: Debt collection

I INFORM COLLECTORS THAT I HAD 2 INSURANCE IN THAT IT WAS AN ERROR THESE BILLS WAS PAY BY MY INSURANCE CARRIER IN WHICH THEY ADMITTED THERE WAS LATE FEES IN WHICH I WAS NOT RESPONSIBLE FOR, THEY CONTINUE TO HARASSED ME REPEATEDLY.
Product: Checking or savings account

On XX/XX/XXXX there was a transfer from KEYBANK to KEYBANK account. I erroneously was charged a {$34.00} overdraft fee when there was no overdraft. My balance was XXXX. Overdraft charge of {$34.00} made my account $ XXXX. 

On XX/XX/XXXX at XXXX I made deposit into account via ATM AT a branch in XXXX NY , which was {$44.00} to bring account to {$10.00} while I disputed the gauging Overdraft. I didnt want to have it negative. 

The deposit did not register I notified branch personnel on site they told me to call 800 and dispute it. I did call and dispute it. 

On XX/XX/XXXX, KEYBANK charge my account a 'recurring overdraft charge ' of {$28.00} while ignoring my complaint and not repairing error that occured on XX/XX/XXXX and at ATM on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

US Dept of EDXXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX , 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 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 card

I disputed a charge on my Capital One credit card ending in XXXX from XXXX XXXX. On XX/XX/year> I provided additional information to Capital One. Capital One advised me that they were waiting to hear from XXXX XXXX. 

Capital One heard from XXXX XXXX and internally decided the dispute was ruled in my favor. Capital One did nit let me know. The Capital one represented sud they do not advise credit card customers when they close a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated or removed : XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section XXXX ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

XX/XX/XXXX, I contacted Planet Home Lending letting them know that I have become XXXX, and that I need assistance with my mortgage until my hearing with the Social Security Administration. It is listed all over their website that they have programs and are happy to help. They reported that they received my paperwork on XXXX XXXX XXXX. It is now XX/XX/XXXX and not only have I heard nothing from them regarding my need for assistance, which I was promised within 30 days of them receiving my paperwork, I am still receiving call after call from nasty people from planet home lending asking when I was going to pay my bills, or pay my mortgage to current status. They also have people taping nasty notes on my front door telling me to pay up. Not only have they lied repeatedly about wanting to help, they are charging me late fees for every month they make me wait for them to give me an answer. I WAS NEVER TOLD BY ANYONE AT PLANET HOME LENDING THAT DURING THIS TIME I STILL NEEDED TO MAKE PAYMENTS UNTIL I HEARD BACK FROM THEM.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of identity theft, which has resulted in multiple fraudulent entries on my credit report. These unauthorized accounts and inquiries were added without my knowledge or consent, and I request immediate action to address them. 

ACCOUNTS - XXXX XXXX - XXXX XXXX XXXXXXXX INQUIRIES- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have already filed an identity theft report with the Federal Trade Commission ( FTC ) and am demanding the prompt removal of these fraudulent items to restore the accuracy of my credit report XXXX
Product: Credit reporting

There has been recent changes to my Equifax Credit Report, I requested for Equifax to send me a copy of my credit report so I can confirm the changes and that my credit report is reflecting accurate information. Equifax has failed to supply me a ud to date credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because according to the 15 USC 1681 : I have the rights to privacy and I did not give Equifax written permission to furnish these accounts. 

Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXXXXXX Account Number XXXX Account Name XXXX XXXX XXXX BANK Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Number XXXX XXXX BANK Account Number XXXX Account Name XXXX Account Number XXXX
Product: Credit reporting or other personal consumer reports

TransUnion Is reporting on my Consumer Account That My XXXX XXXX Account is CLOSED which is incorrect. This is retaliation for me calling reporting them to the CFPB previously for violation my rights as a FEDERALLY PROTECTED CONSUMER. So they started reporting even more in accurate information to my consumer report, greatly effecting my quality of life, and my ability to contract which is protected by the constitution. As I've already explained to Transunion and its employees that, Information goes against the FCRP. 15 USC 1681a ( 2 ) ( A ) ( i ) information solely as to transaction or experiences between the consumer and the person making the report ARE TO BE EXCLUDED. furthermore, 15 USC 1681 ( a ) requires that the Information be 100 % verifiable and accurate or it has to be REMOVE ( I don't want it removed, THE TRANSACTION HISTORY NEEDS TO BE REMOVED ). Adding on to 15 USC 1681 ( a ) -Accuracy, I am attaching a copy of the inaccurate closed account reporting and the inaccurate amount reporting. The actions of TransUnion and its employees greatly affects the banking systems and the consumers pursuit to happiness. And as far as I'm concerned Transunion and its employees are horrible custodians of the consumer information, with having to pay millions for not protecting the consumers information and horrible at assuming the role congress placed then in for having to pay millions for not following simple instructions of the FCRA. This is the LAST NOTICE before we step in court you can notify XXXX XXXX XXXX apart of your legal team but I'm sure the judge won't look to kindly on someone who clearly violated the laws that GOVERN them. Respectfully.
Product: Debt collection

XX/XX/XXXX my credit score was XXXX from XXXX XXXX from XXXX and XXXX from XXXX. On XX/XX/XXXX I received a denial letter for a credit card from Bank XXXX due to a collectionon my name sent to Focus Receivables Management by XXXX on XX/XX/XXXX for an amount of $XXXX owned since XX/XX/XXXX
I never had an account with XXXX under my name, the account we had as household was under XXXX name and was closed on XX/XX/XXXX. 
XXXX retrieved my name from the collection agency XX/XX/XXXX and removed the collection from XXXX before XX/XX/XXXX. As result I lost XXXX points on my credit score from XXXX. However, it was not removed from XXXX. The confirmation# XXXX for my dispute is XXXX 
XXXX did not contact me in regards to the charges ($448), but due to the length of time my name was at the collection agency, I lost many points. 
All my efforts to contact the billing department were not successful. Today, XX/XX/XXXX after being transferred seven times I spoke with a person that confirmed my name was removed from the collection agency and that my case is escalated. I have no way of recuperating the points lost due to this mistake made XXXX. As result of this mistake I got a denial on credit card application and I cannot apply for a new credit to buy a house.
I would need help in recuperating the point lost on my credit score for all XXXX credit agencies, please.
Product: Credit card

I am writing this because my credit card was used without my permission and XXXX XXXX didnt fix it.