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

During the year of the XXXX XXXX pandemic I lost employment due to the severity of the impact. 
I did not have an income and therefore XXXX XXXX  reported my Credit card payments late even though mentioned they would have relief for affected individuals due to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX Equifax removed a charged off account from XXXX XXXX from my credit file. On XXXX XXXX, XXXX Equifax reinserted the information on my credit file without providing me a written notice within 5 business days. This is a clear violation of the fair credit reporting act which states : ( B ) REQUIREMENTS RELATING TO REINSERTION OF PREVIOUSLY DELETED MATERIAL. -- ( i ) CERTIFICATION OF ACCURACY OF INFORMATION. -- If  any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) NOTICE TO CONSUMER. -- If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Product: Debt collection

This was over XXXX cell phones. The amount is $ XXXX sent them back XXXX. They could not find them in the wear house. Then they found that I sent the wrong XXXX. I ask them to except them as my return they said it had been too long. I called every month starting in XXXX of XXXX and they found the phones in XXXX. They said it had been to long that they couldn't write it off because it had been so long. But I had been calling then every month since XXXX. Now this is Team- mobile. I ended up with XXXX phones because of XXXX XXXX I opened up an account with XXXX with XXXX phones for me and my son. Okay I received a letter a few days later saying that I could get a senior account so I called them and they sent me XXXX more phones to change over I don't know why and then I was supposed to mail the others back I got all confused I ended up sending the wrong phones back this is XXXX 's fault I should have never been mailed the XXXX phones now I have this on my credit report I argued with them for XXXX months if they're going to leave this on my credit report they need to mail me them XXXX phones back. Please help me get this off my credit report.
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 U.S.C 1681 15 U.S.C 1681 section 602 A. States i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 also states a consumer reporting agency can not furnish a account without my instruction 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, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 


XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX, XXXX XXXX  Inquiry date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX, my DOB XX/XX/1966 My address is XXXX XXXX XXXX XXXX pa XXXX My XXXX XXXX XXXX  card no : XXXX I have a vacation in Hawaii so I don't know who using my Paypal to buy something at XXXX XXXX with the amount XXXX $ but not in my area. I called for the PayPal service and they try to figure out and respond as soon as possible. But I want to alert you guys please, check my bank account, and its transaction still pending. Don't let anyone push into my card. Thanks. I will close my Paypal after you guys solve this issue. I am afraid to add any bank to Paypal. XXXX so noise my vacation. Please help me cause I don't have time to confirm and call back again while I enjoy my days.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment with the ongoing issue concerning the removal of fraudulent items from my record, despite my fifth attempt to rectify the situation. Despite providing comprehensive evidence and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove the items : XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

About three years ago I purchased a mattress from Sleepy 's. The cost was about {$3500.00}. Since this was a new memory foam mattress, Sleepy 's did not discount the price but I was told that, as long as my credit checked out, the 'loan would be interest free, ' as long as I made my payments on time, I was given a Synchrony Bank credit card, and I put the payment schedule on my XXXX On-Line Banking account to ensure that the payments were made in plenty of time to meet the deadlines and I would never be late making a payment. 
Recently I opened one of my statements for this account and noticed that I was being charged nearly {$1800.00} in interest. In calling Synchrony and asking how this was possible since I had made all the payments on time, I was informed that I had failed to repay the principle by the end of the 'holiday period ' and therefore was being charged interest at the rate of 29.9 % retroactively from the time I bought the mattress, a fact that I was totally unaware of when I bought the mattress. 
I am XXXX years old and have been a XXXX for over 50 years. I also have a XXXX income and a XXXX net worth so the amount of money involved is almost immaterial to me. However at the same time this type of behavior totally incenses me. It is bald faced trickery. The only excuse for making this type of loan in the first place is to collect 29,9 % interest from people who have little or no credit risk. I am sure somewhere in the 'fine print ' of the original contract this fact ( the 'loan holiday ) was described, probably in great detail but how many people in my business especially have time to read contracts like these, and how many poorer people can understand them?
Product: Money transfer, virtual currency, or money service

I was scammed through facebook of the group page XXXX XXXX XXXX XXXX for adoption. I was offered to be delivered a puppy with the charge of total {$1300.00}. The adoption fee is {$800.00}, deliver fee is {$100.00} and the insurance is {$500.00}. I transferred the money with XXXX to the person name Et XXXX XXXX and XXXX XXXX. Their email are XXXX and XXXX There are total of 3 transactions on XXXX XXXX and XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a XXXX party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous XXXX, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX XXXX  XXXX ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) Procedure in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. You have XXXX XXXX to correct the account listed below : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently refinanced a 1st mortgage with Nationstar ( now Mr Cooper ) and a LOC with XXXX into a single mortgage. Being in Florida, and having suffered damage due to Hurricane Irma, I took advantage of the XXXX XXXX loan forbearance on the Nationstar mortgage and was in the process of deferring my XXXX, XXXX, and XXXX loan payments. I was told that we would then discuss what would be done and either pay all to bring it up to date or somehow adjust the payments going forward. The refinance process took forever. We started the first week in XXXX and the loan didn't fund until XX/XX/XXXX. Herein lies the problem. Nationstar was greatly responsible for the delay in the refinance as they were not able to reply or get paperwork out in a timely manner. NOW Nationstar is reporting to XXXX  that I had a 90 day past due payment. They are saying the entire amount of the 3 payments was due on XX/XX/XXXX. My ex-wife was still on the loan with me and they are reporting the same on her credit. Each of us had excellent credit before this ( over 750 ) and now have credit in the low 600s. Nationstar is not replying to complaints that we have filed and is not returning phone calls. ADDITIONALLY, they did not send me my escrow balance until I had to call and ask for it, 2 months after the refinance funded. We just need someone to help us. I plan on buying a car in the next few months and this credit error is going to make that more difficult.
Product: Credit reporting or other personal consumer reports

An accordance with the fair credit reporting act the this account below Has violated my federally protected consumer rights to privacy and confidentially under under USC 1681 section 602 a. Account name department of education XXXX has violated my rights 15 USC 1681 section 602 a States I have the rights to privacy 15 USC section 609 a section 2 Also states a consumer reporting agency can not furnish a account With out my written instruction. 15 USC 168c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other then records of conviction of crimes which antedates the report by more than seven years. 15 USC 1681 s-2 ( a ) ( 1 ) a A person shall not furnish any information relating to consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate
Product: Student loan

Good morning. 

I receive a loan to go to a film school. The amount of said loan was supposed to be {$12000.00} dollars. Unbeknownst to me the actual loan amount was {$18000.00} dollars with an interest rate of XXXX XXXX and {$5900.00} in what they call interest+fees. 

{$12000.00} with the interest rate of XXXX XXXX across 60 months or 5 years is a total of {$280.00} month. When I started i was paying $ XXXX {$140.00} up until recently. It has now jumped to {$350.00} a month. 

In order to have {$350.00} a month payments, the actual interest that is being dealt is XXXX XXXX. {$12000.00} across 60 months with an interest rate of XXXX XXXX is exactly XXXX. This is predatory lending and they are getting away with because people want to purse their dreams and goal in the college or educational programs and institutions of their choosing. This is blatantly illegal and not to mention blasphemous.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possibleXXXX 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, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the inquiry that is still reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX
Product: Vehicle loan or lease

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 


XXXX. XXXX Account XXXX : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX doesn't belong to me on all the 3 credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete the one accounts and the inquires.
Product: Student loan

In XX/XX/XXXX, nelnet sent me a follow up email where they recommend and steered me towards in school deferment. Had I not agreed to in school deferment and instead went into forbearance or different deferment ( months that would/should count ) I would be forgiven with pslf in XX/XX/XXXXXXXX XXXX 

I did not go back into repayment with nelnet until XX/XX/XXXXXXXX This is about 4 years I have lost because of this servicer giving me bad information and advice again steering me into school deferment.I am missing XXXX. These months do not show up at all on my count tracker with XXXX who now handles PSLF. 

Please note that this was not an automatic process, I did not get put into in school deferment automatically. I had to go back and forth with my college registrar office as my college needed to fill out a form and send it back to Nelnet. My college recommended that Nelnet use the XXXX XXXX XXXXXXXX XXXX to verify my in school status. 

I was told by Nelnet that they did not use the XXXX XXXX XXXX XXXX, which I find rather odd as servicers should be using the same national database to verify a students status. 

Both I and my college had to do legwork/paperwork to get into in school deferment status. My college physically had to fill out this paperwork and send it to Nelnet. 

I have also sent this matter to the office of consumer advocacy PHEAA.
Product: Credit reporting or other personal consumer reports

I asked to verify it belongs to Me and they said they do belong to me with no real proof names on the account are not the same
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

First let me make clear that I am not using ANY credit repair company! I am a regular person who is tired of getting the same reply to my letters no addressing the information requested. I have been requesting that this company validate all the collection notations they have been submitting to the three major credit reporting agencies using account numbers XXXX, XXXX and XXXX. They continue reporting inaccurate information. It's like they don't care. On my last letter, I demanded validation and requested to be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I attempted to withdraw from a BMO ATM {$120.00} as follows : XXXX. The ATM dispensed XXXX, which is {$30.00}. I went inside the bank immediately. A bank representative confirmed that {$120.00} shows as withdrawn from my account through this ATM. A claim for the disputed amount of {$90.00} was filed. On XX/XX/year>, I received a letter notifying me that the disputed amount has been denied due to the following reason : the investigation of the ATM activity found no discrepancy with the withdrawal ( Dispute ID XXXX, Claim # XXXX ) ). As a result, this complaint has been filed.
Product: Credit reporting or other personal consumer reports

I asked XXXX XXXX and equifax to delete the fraudulent inquires on my credit report but it has not been done. 

XXXXXXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX equifax mortgage XXXX XX/XX/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 reported XXXX XXXX XXXX XXXX amount : {$610.00}
Product: Bank account or service

We used Umqua bank bill pay at the beginning of this year. I have submitted a complaint before earlier this month. Umqua never called me and only looked at XX/XX/XXXX of this year. A late payment on our credit would not show up this fast. I have called the bank twice with no return call. XXXX of the payments we used Umqua 's bill pay for was over XXXX days late. We had this figured out earlier this year between the XXXX banks. When XXXX puts their full faith in bank to do the right thing and they do n't and make a mistake, XXXX expects them to make it right. They did not even call us to get our side, They just did nothing but look at the last month and close the case. I can not even get a return phone call.If we had known that Umqua writes a check and then puts it in the mail instead of an electronic transfer of funds we would not have used it. Again my concerns were not addressed and I was not even contacted by Umqua bank. I went with them because they took no TARP money and I was told their service was top notch, I am beginning to wonder now if my faith is placed correctly
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card through XXXX XXXX but was denied and received a letter from Synchrony Bank saying the credit report provided by XXXX provided 4 possible reasons and outlined them to me in a letter dated XX/XX/2018, none of which apply to me. After a lot of run around from XXXX and Synchrony, I requested my credit report and received that on XX/XX/XXXX from XXXX. None of the 4 reasons  applied per my credit report either. I also noticed there was an incorrect phone number so I requested that be changed and requested further information as to why I was denied a credit card. Then, I received a letter from Synchrony saying all of the info matched and nothing would be expunged. And also, I still have no reason for why I was denied a credit card. Throughout this whole process, XXXX has given me the run-around and Synchrony Bank has been unclear with the reason I have been denied. I am concerned about my credit but do not want multiple inquiries on my record.