23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Had my loan transferred from XXXX to LoanCare. 

During the first payment cycle, I sent a physical check and remit slip that came from LoanCare, to their payment center. Check was sent on XX/XX/2019. XXXX XXXX shows received on XX/XX/2019 and cashed XX/XX/2019. LoanCare " can't find '' the payment and has been investigating for 4 weeks now with no resolution. 
Each week I have been calling to check in and the answer is the same thing each time : " we're working towards a resolution and I'd recommend giving it another week. '' I have tried to work out how to make my other payments while this one is investigated and each time I explain the issue with my escrow evaluation changing payment amounts between XXXX and XXXX, the reps mention that their system won't process the payments correctly until XXXX is paid. 

I don't feel like I should have to hold a company 's hand to this extent when I am trying to make my payments as normal. 

Starting on XX/XX/2019 : I started receiving pre-foreclosure letters because of missed payments. I am at a loss of words over this since I am doing everything I can to resolve the situation and get the payments made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS A VICTIM OF IDENTITY THEFT, THE RESULT OF THAT SEVERAL ACCOUNT WERE OPEN UNDER MY NAME. 
ALLIANT CREDIT UNION # XXXX ... XX/XX/XXXXXXXX XXXX XX/XX/XXXX# XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX. 
XXXX XXXX # XXXX,XX/XX/XXXX # XXXX. 
XX/XX/XXXX XXXX # XXXX ... .XX/XX/XXXXXXXX XXXX XXXX XXXX 
XXXX XXXX XXXX # XXXX XX/XX/XXXX # XXXXXX/XX/XXXX # XXXX ... XX/XX/XXXX# XXXX ... 
XXXX XXXXXX/XX/XXXX XXXX # XXXX,,, XXXX XXXXXX/XX/XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with NORDSTROM/TD BANK USA. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called NORDSTROM/TD BANK USA and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX and NORDSTROM/TD BANK USA with no successful resolution. XXXX   only reporting me 30 days late. There was an error on their part. I was never 30 days late.
Product: Credit reporting 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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

Im dealing with a dispute on a big purchase that was done on my AMAZON credit card. They ask me to send them incident reports for each item that was ordered. I send incident reports multiple times with all the information required. This issue has been going on for months with no resolution.
Product: Vehicle loan or lease

Ever since I have gotten the loan if I go one or more than 5 days past due they come at me with threats of taking my car .I have texts showing them just recently trying to take payment out multiple times in a 24 hr period off my debit card and also my wife 's debit card and I have voice mails of them threatening of repossession every time. I have kept in contact with them the best way I can and have done. In conversations with them I have told them situations of any late payment and they have lead me to think that they understand and that they will work with me and never do. The reviews I have read on the XXXX XXXX XXXX there are so many complaints on this company with the same thing that happened to others.
Product: Credit reporting or other personal consumer reports

Request for Deletion of 30-Day Late Payment from Credit Report Transunion I am writing to formally request the removal of a 60-day late payment entry from my credit report, as provided for by the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit report, I noticed that there is a record of a late payment that occurred on XX/XX/2021. As you can check I would like to bring to your attention that this late payment was an isolated incident and does not accurately reflect my creditworthiness. I have been a responsible borrower and have consistently made timely payments on all my accounts except for this one instance.

According to the FCRA, consumers have the right to dispute inaccurate or incomplete information on their credit reports. The law also requires credit reporting agencies to investigate disputed items and remove any information that can not be verified within a reasonable time frame.

I kindly request that you conduct a thorough investigation into the accuracy of the late payment entry in question. If you are unable to verify the accuracy of this information within the legally mandated time frame, I ask that you promptly remove it from my credit report.

I appreciate your prompt attention to this matter and request that you inform me in writing of the results of your investigation and any actions taken to remove the inaccurate information from my credit report.

Thank you for your cooperation and assistance in resolving this issue. 

Sincerely, XXXXXX/XX/XXXXXXXX
Product: Credit card or prepaid card

I have been a US Bank customer & have had a credit card account with them for the past 10 years. US Bank decided to take action & close my credit card account. On XX/XX/2019 I called US Bank & requested a new card be mailed to me because my previous card was damaged. When the new card was delivered at my residence I was overseas due to work. I was not able to get the card because I was overseas, & the card got RETURNED via mail to US Bank. US Bank assumed I didnt live at that address or it was ordered fraudulently. US Bank decided to shut down my credit card account without calling or contacting me to verify. I called US Bank stating my case to tell them what happened. US Bank instructed me to write a letter stating I want to keep this account open. I wrote them a letter & sent it to US Bank by fax, & they claim they never got it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items that have been reported on my credit report. Upon reviewing my credit report, I have noticed several unauthorized inquiries that I believe to be fraudulent. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request that these inquiries be removed from my credit report immediately. 

The unauthorized inquiries are as follows : XXXX - Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXXT - Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX  XXXX - Date of Inquiry : XX/XX/XXXXXXXX XXXX - Date of Inquiry : XX/XX/XXXX As per the FCRA, I have the right to dispute any information on my credit report that I believe to be inaccurate or fraudulent. I do not recall authorizing any of these inquiries and suspect that they may be fraudulent. I am concerned that these inquiries have negatively impacted my credit score and ability to secure loans and other financial services. 

I kindly request that you investigate these inquiries and remove them from my credit report. According to the FCRA, you are required to conduct a reasonable investigation into any dispute and respond within 30 days of receipt of the dispute. I request that you provide me with written confirmation of the removal of these items from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

Great Lakes was my loan servicer and now NelNet is my student loan servicer. Approximately XXXX years ago, I began attempting to enroll in the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX program. Each time I contacted Great Lakes, they incorrectly informed me that I did not qualify for XXXX. Similarly, NelNet provided the same misinformation as recently as a few weeks ago and again today, XX/XX/2024. 

It is my understanding that there may be financial incentives for loan servicers to maintain outstanding loan balances. However, I find it concerning that both Great Lakes and NelNet have insisted I am ineligible for loan forgiveness or pressured me to pay all accrued interest before applying, despite my XXXX years of employment with the Federal Government, which should qualify me for XXXX under the program 's guidelines.
Product: Debt collection

The inquiries on my credit reports, XXXX  XXXX, TransUnion I have no knowledge of.. U.S.C. 15 1662 15 U.S.C. 1681 states that any inquiries soft or hard or collections on my credit report from any major 3 bureaus without my written consent or me notifying you verbally shall come off until a full and complete investigation is done.. I would like all inquiries from each bureaus to be erased or I will seek further damages that are greater than a {$1000.00}
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to formally dispute the continued credit reporting of XXXX or more accounts associated with XXXX XXXX XXXX  that I believe are no longer eligible for reporting under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX  is currently furnishing account information to XXXX or more credit bureaus that appears to be outdated and beyond the legal reporting period allowed under the FCRA. These accounts are negatively impacting my credit report, and I believe their continued reporting is both inaccurate and unfair. 

I have contacted XXXX XXXX XXXX  directly and requested they : XXXX. Verify the validity and accuracy of the accounts in question. 
XXXX. Provide documentation proving the accounts are still legally reportable. 
XXXX. Cease reporting any accounts that are too old or unverifiable. 

To date, I have not received adequate resolution or proof that the reporting is compliant with federal regulations. Therefore, I am requesting the CFPB investigate this matter to ensure my rights are protected and that XXXX XXXX XXXX  is held accountable for any improper reporting practices. 

I have enclosed relevant documentation ( if available ) to support my claim and welcome any further requests for information needed to assist with your investigation. 

Thank you for your time and attention to this matter. I trust the CFPB will assist in resolving this issue promptly.
Product: Credit reporting

I am a victim of the TransUnion Inquiry Issue and when I called the TransUnion ( XXXX ) the customer service representative would not help and take care of the negative inquiries reporting on my credit report.
Product: Mortgage

To CFPB, I would like for you organization to start entire investigation on my case, the said complained XXXX XXXX XXXX. as Trustee for Merill Lynch first Franklin Financial Mortgage Corporation with the loan XXXX they have try to show legal standing close action again me, and or XXXX XXXX XXXX XXXX, XXXX, Florida XXXX. The bank must show the original documents, mortgage and promissory note, the bank also have to show a proper shine of title recorded on the country where the property is located, is required by law, the bank must show assignments of mortgage and endorsements notaries with acknowledgments and the penalty of perjury.
Product: Credit reporting or other personal consumer reports

I need to sign into my experian account urgently. 
When trying to sign in, the webpage ALWAYS, even on different times, days and several attempts, responds with this : Oops, we're sorry! 
We are currently unable to process your request. 
We've been notified and will actively work on fixing the issue. If you can, please report the details of the issue you experienced below. 
Call us toll-free at XXXX When calling, the AI refuses to connect the call to an agent and either says to consult the website ( which is not working ) or to call back later and just hangs up. 

This is totally unacceptable. There must be a way to talk to a real person.
Product: Credit card or prepaid card

I have had my bluebird card for awhile now and have been getting stimulus payments and my child tax credits on it and I withdraw money from another card to add onto my bluebird account and today it tells me my account has been permanently suspended and I cant get ahold of them the automated message just hangs up on me and tells me to write them
Product: Credit card

USAA sent me an American Express credit card that I did not apply for in XX/XX/XXXX. I called to let them know and they said it was taken care of. XX/XX/XXXX I received communication from USAA regarding the address on my XXXX  account so I called again on XX/XX/XXXX and after multiple phone transfers including a fraud specialist ( XXXX  ) and someone in XXXX  XXXX  ( XXXX ) I was told again it was taken care of. XX/XX/XXXX I received communication from USAA regarding New Benefits applicable to my credit card so I called again. I did not note the name of the person i talked to but was assured the account was closed and the only mail going forward would be in regards to the account closing or fraud. I was never informed that charges had been made to the card or that there was a balance. I also did not receive any statements for the credit card. XX/XX/XXXX I received a call from a collection agency regarding my USAA Credit Card account with a balance of {$9800.00} that had been " charged off ''. The collection agency indicated there was a Florida address connected to my account and I have never lived anywhere in Florida. I called USAA again and after XXXX hours on the phone and talking to XXXX different people it is still not resolved. I have tried to log into USAA online to change any password information and the account is locked. This debt is on my credit report and it is not mine. This account was opened fraudulently in my name. I have frozen my credit reports to prevent further fraud. This fraudulent account needs to be removed from my credit report as it is having a negative impact on my credit. I have filed a report with the local authorities and my identity theft insurance. I have received nothing from USAA to even indicate that they are investigating this situation.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax is reporting inaccurate information on my consumer report. My name is XXXX XXXX there should be no other name listed on my consumer report. My address is XXXXXXXX XXXX XXXX XXXXXXXX TX XXXX there should be no other address listed on my consumer report. Each credit bureau is listing different information other than whats correct. The below information needs to be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 


I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 according to XXXX5 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

There was suspicious activity on my account. A Bank Of America representative contacted me and told me to contact them, So I called Bank Of America and told them what was going on, so the representative asked me what kind of phone I had and I told her an XXXX XXXX, so she asked if I had given out my passcode to anyone I said No. then she told me that someone with an XXXX phone was trying to access my account and that they were gon na have to close my account, So I asked her about my direct deposits that I had coming to my account would go back to the sender and any remaining balance would be mailed to me, And she said because of the activity on my account I am a risk to them and their safety. I have been a Bank Of America customer for years and they do this.
Product: Mortgage

On, XX/XX/2022, an advertisement was sent via email from Rocket Mortgage stating I was pre-approved for a mortgage. After clicking on the email ; my personal information was required to see what I qualified for. Moments later I receive an adverse action rejecting me of such credit due to hearsay from third party. Rocket Mortgage advertisement is misleading and deceptive. I received no benefit in the transaction that stole my personal information for personal gain. Rocket Mortgage is to be held liable for invading my personal choice and consent. Rocket Mortgage has violated my consumer rights pursuant 15 USC 1692 as well as third parties where they retrieved false information regarding my personal character. I am now left with an inquiry and higher rates than before to qualify to buy my family a home.
Product: Mortgage

I was shocked when I reviewed my credit report and found late payment on the dates below : 180 days past due as of XXXX XXXX, XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX to XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX 60 days past due as of XXXX XXXX to XXXX XXXX, XXXX XXXX, XXXX XXXX to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX to XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX to XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. I was in a loan modification program and was not aware that any late payments would appear on my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have discovered fraudulent accounts and unauthorized inquiries on my credit report that I did not authorize. 

Fraudulent Account : XXXX XXXX  I - Account Number : XXXX Unauthorized Inquiries : XXXX - Inquiry Date : XX/XX/year> XXXX - Inquiry Date : XX/XX/year> XXXX  - Inquiry Date : XX/XX/year> I have no association with this account or these inquiries. These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), which mandates that credit reporting agencies block information resulting from identity theft upon proper documentation.

I have provided an identity theft report and affidavit to support this dispute and request the immediate removal of the fraudulent account and unauthorized inquiries from my credit report.