23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I researched XXXX located on the disclosures from XXXX XXXX apparently lender XXXXXXXX XXXX that number disclosures for XXXX comes up those disclosures are from them and administered by chemical bank I was also given applications from XXXX XXXX not located in the geographic area and or state for a federal guarantee of student loans I have screen shots of the law with the US Department of Education XXXX I am attaching the laws including the departure date located on the assignment to the Department of education I was a chemical bank credit card holder at the time these disclosures were given what's missing is the disbursement that the admister of loans did keep track of including XXXX XXXX college now XXXX university. Lack of disclosure of type of loans and not supposed to be issued these loans at all in the state of Illinois
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX have been dealing with a credit bureau ( s ) issue for over one-year. The problem resides in my inability to obtain a credit FICO score  on XXXX XXXX and Equifax respectfully. In addition, there are no registered accounts on any of these bureaus except there is account information posted on my XXXX  credit report. There is a possibility that at one time a fraud alert was posted on both bureaus, but that should not block my creditors from posting my account information and payment histories o each bureau. Accordingly, I am requesting a full reinvestigation from each credit reporting agency and each account trade line to guarantee that soon I will be able to have a FICO score with each bureau. Therefore, my complaint is two-fold : 1 ) I request a full review from each creditor to check the status of my account, and to submit to each respective bureau the criteria such as date account opened, account balance, and most importantly account payment history. 
2 ) I request a review from XXXX XXXX and Equifax the reason why there is a block on my bureau information, and a release for each creditor to post the aforementioned criteria monthly. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a complaint to the CFPB under Complaint ID XXXX regarding an unauthorized XXXX XXXX  account. Despite providing an FTC report as evidence, Equifax improperly verified the account, while both XXXX and XXXX rightfully removed it. Additionally, there is an unauthorized XXXX  account that Equifax initially deleted but later reinserted, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, if a previously deleted item is reinserted into a credit file, the credit bureau is required to notify the consumer in writing within five days of reinsertion. I have not received any such notification, meaning Equifax has failed to comply with federal law. Given these clear violations, I formally request the immediate deletion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for the harp loan program with PNC bank made all my payments on time then all of a sudden was out program for no reason
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX   XXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX   XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have already attempted to resolve this matter directly with the credit bureaus by submitting disputes through their online platforms. I have requested that they provide proof of the accuracy of the information in question, but unfortunately, I have not received a satisfactory response. As a result, I am seeking assistance through this complaint to ensure that the matter is addressed appropriately. 

This response tactfully conveys that youve already made efforts to resolve the issue and are now escalating the matter for further resolution.
Product: Bank account or service

I had moved to another city XXXX XXXX - XXXX XXXX with minimum U.S Bank branches. I had called to close my bank account with U.S Bank. The Bank continued to charge my account with bank charges and overdrew my account and sent my account to collections for {$80.00} even when my account had been fraudulently used.
Product: Credit reporting or other personal consumer reports

My account wXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital one 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 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! 

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Credit Bureaus are reporting inaccurate information. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate properly and remove them from my personal credit file. These are the following items : XXXXXXXX XXXX  ; XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$2200.00} ; XXXX XXXX XXXXXX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX R XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2200.00} ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX, XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Unpaid Balance {$2200.00} ; XXXX XXXX XXXX XXXXXX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Mortgage

On XX/XX/2019, I signed a 'Borrower 's Authorization emailed to me by a Ms. XXXX XXXX of New American Funding who stated to me that my credit score was high enough to obtain a {$120000.00} mortgage. All was well until Ms. XXXX informed me that she would be handing me over to a Mrs. XXXX XXXX, of the same lender but located in the state where I reside, Alabama. Ms. XXXX informed me that All documentation asked for was uploaded by me and that I would have to inform Mrs. XXXX my realtor 's logistic information and that he/she would have to inform Mrs. XXXX of the home I was interested in and the amount of the home. On XX/XX/2019, Mrs. XXXX and I finally spoke over the phone with me asking if she needed any additional information in order for me to obtain the mortgage, she said she'd received the application from California and Ms. XXXX and she would go over it and get back to me. On XX/XX/2019, Mrs. XXXX sent me an email requesting I have a cosigner for my mortgage, another application for my cosigner to fill out she asked him over the phone, would it be okay to pull his credit, he agreed. When I emailed Mrs. XXXX information about low-income borrowers, ( DTI ) ratios, down payment assistant programs in our State, Mrs. XXXX commenced becoming angry, sent a demeaning email to me about FICO scores, my ( DTI ) ratio is okay but that my cosigner 's middle credit number was too low, and then at the end of her email she said that the company lenders Would Not Be Able To Offer Me A Mortgage. I feel that Mrs. XXXX XXXX XXXX was committing a " racially restrictive covenant on deeds to keep people of XXXX from buying homes ''. I thought the U.S. Supreme Court Banned Housing Discrimination in All States Including Alabama.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 53 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M A VICTIM OF IDENTITY THEFT. THIS IS MY THIRD REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became delinquent on a private student loan through XXXX XXXX XXXX XXXX in XXXX and this resulted in a charge off of my account. The account was forwarded to a third party agency, XXXX XXXX, XXXX. I completed a settlement agreement with the agency for a total of {$8100.00} and a letter confirming the settlement was sent to me on XX/XX/XXXX. In XX/XX/XXXX, I discovered this was incorrect on my credit report and spoke to a XXXX XXXX representative and they informed me this would be corrected. On XX/XX/XXXX, my husband and I made the decision to review our credit reports and discovered the account was still reflecting as past due on both our Equifax and XXXX accounts, so we submitted disputes to both companies with a copy of the settlement letter. During the investigation, XXXX XXXX stated the information they were reporting was correct and even changed the transunion report to reflect as a full balance of {$9300.00} was due, but only on my husband, XXXX XXXX XXXX report. I reached out to the bureaus to discuss and they informed me they can only report what the company provides them, regardless if my document provided proves otherwise. I reached out to XXXX XXXX XXXX XXXX on XX/XX/XXXX and was informed they would investigate, but the account would reflect as open because it had become charged off, regardless of a settlement agreement. I disagreed with the representative and she informed me she would submit my account for review and return my call the following Monday, XX/XX/XXXX. I never received a phone call from the representative or XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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

To whom it may concern : This is to let you know that EXPERIAN has re-inserted a previously DELETED record into my credit report. I have a daily credit monitoring service and I discovered this illegal re-insertion in XX/XX/XXXX. The record is by " XXXX '' - a debt collection company trying to illegally collect on a {$6400.00} debt ( that is beyond the statute of limitations in XXXX & XXXX ). I have never acknowledged this debt. The original creditor is XXXX XXXX. The first date of delinquency on the XXXX account is PRIOR to XX/XX/XXXX. The XXXX XXXX. account appeared on my credit report for 7+ years after the date of first delinquency and was deleted as mandated by FCRA regulations on all my credit reports ( XXXX , XXXX XXXX Experian ). However, XXXX XXXX XXXX XXXX XXXX acquired this debt and has posted it on my credit report with an open date ( status date ) of XX/XX/XXXX. They are attempting to re-age the debt, and such make a case to have it in my credit report. This is ILLEGAL. 
EXPERIAN should IMMEDIATELY delete this item as it violates Fair Credit Reporting act. 
Furthermore, Experian is required to notify me within FIVE days when a previously deleted record is reinserted in my credit report. Experian has failed to do so. Experian has also failed to validate or verify this record ( and associated XXXX XXXX. record ). As a result, Experian should immediately delete this record. I have notified the State Attorney General of Pennsylvania, and if this is not handled immediately, I will initiate a lawsuit against Experian for FCRA violation and character defamation.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account Number : XXXX or XXXX Original Creditor : Bank of America XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to open a checking account and found out it was a account reporting to the XXXX from XXXX XXXX XXXX. I never had a account with the company and asked for it to be removed, I faxed in my police report to XXXX and it hasnt been removed.
Product: Payday loan, title loan, or personal loan

Please see attached document / note from our boat AND trailer loan. 

We have been requesting the title for both of these items for over TWO YEARS. 

Why is this confusing for the CFPB and for Keybank? 

We have made multiple complaints, all unrsolved. 

This company financed BOTH the trailer and the boat for us, we paid it off, we need the title for both the trailer and the boat. 

We have been sent the boat title twice. 

Send the title to the trailer, we have a letter from Keybank stating they did not finance the trailer so that is a lie. 

What is the CFPB going to do regarding situations like this, we deserve compensation for this situation and want the name, address, phone for the registered agent for Keybank and the title to our boat.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding the inaccurate reporting of late payments on my credit report by credit reporting agency about XXXX XXXX XXXX XXXX. The credit reporting agency is reporting late payments for XXXX XXXX XXXX XXXX ( Balance : {$2200.00} ), including a 3059-day late payment mark. This reporting violates 15 U.S.C. 1666b ( a ) of the Consumer Credit Protection Act, which explicitly states that a creditor may not treat a payment on a credit card account as late unless reasonable procedures have been adopted to ensure the periodic statement is mailed or delivered at least 21 days before the payment due date. XXXX XXXX XXXX XXXX has failed to meet this standard, making this late payment mark unlawful. Despite my repeated disputes, the credit reporting agency has failed to properly respond or adequately investigate and correct these errors. Under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information and delete or correct inaccuracies promptly. The credit reporting agency 's continued failure to comply with these obligations has caused damage to my credit reputation and financial well-being. The credit reporting agency has my personal information on file and therefore knows my identity. There is no valid reason for this failure to take appropriate corrective actions.
Product: Credit card or prepaid card

Someone opened a credit card with capital one under my personal information because it appears on my XXXX XXXX. It appears they paying on time but affects me because I dont have a credit card and its unfair someone is using my personal info to use a credit card. Bank is Capital One limit of {$1500.00}. I called bank and states cant find no info so no help can be provided.
Product: Debt collection

I took out a loan for XXXX. I paid regularly, and switched jobs. I had an issue with direct deposit. Company didn't have option to pay online. 

I did have a few weeks payment wasn't made. Last time I spoke with mobiloans, I believe in XX/XX/2022, was told I owed XXXX. 

I mailed payment in XX/XX/2022 for XXXX. In the form of money order. I sent XXXX to cover any added interest that may have potentially occured. 

XXXX is the USPS tracking number where payment for {$2400.00} I have asked multiple times for a statement by mail and it's as though they are refusing at this point. 

I've paid them more than I was even told I owed them. I'm really trying to do my part. The payment was delivered 12 days ago. I still haven't gotten any record or confirmation of this, and any electronic communication is ignored.
Product: Checking or savings account

Relative to complaint # XXXX SUBMITTED ON XX/XX/2023 Relating to Bank of America sending my monies to an erroneous address on my Checking account. 
I have receive my XXXX monies in XXXX but Babk of America has not addressed the lack of security nor the late fees I was charged for rent subsequent to the administrative error on behalf of Bank of America. The bank error cost me financial damages which I addresssed in my initial complaint. But due to the BoA error. I was charged an additional {$270.00} per month in late fees because of the retention and mishandling of my wages. My expectation is that I be compensated for the late fees incurred from Bank of Americas negligence. For the months of XXXX, XXXX, XXXX and XXXX, I would like those monies reimbursed for the bank error in addition to my withheld funds. If my monies were sent to me at the proper mailing address, I would not have incurred the late fees.