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

XX/XX/2019 XXXX, Transunion, XXXX all refuse to give online annual free credit report as mandated by law, through the website XXXX XXXX XXXX.action with no options or helpful information to make the online option work. 
Instead they ask for sensitive information to be sent through postal mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treaty payment on a credit card account under an open end consumer credit plan as late for purpose.

this is exactly what it say. a
Product: Student loan

On XX/XX/XXXX I filed a borrower defense application with the Department of Education, the application was initially denied, I then sent a request for a reconsideration and the Department of Education Borrower Defense Team reopened my initial application that was denied. In XX/XX/XXXX almost 6 years after my initial application was filed my Borrower Defense application was approved. I was advised by a representative of the Borrower Defense Team and also by XXXX my current loan servicer that my loans would be completely discharged and I would get reimbursed back any amount that I paid on these loans, on the day that I contacted XXXX and was advised of this by a XXXX representative I was then sent a letter by XXXX that I was only going to be discharged in the amount of {$10000.00} and not the full balance like I had been advised previously. I then filed a complaint against the Department of Education with the CFBP and was sent a letter by XXXX that the total amount that was discharged by them was {$110000.00}. I called XXXX and asked them why my loans were not discharged and they advised to me did I have loans with a separate servicer, but this answer was no, the loans that I had that are now serviced by XXXX were once serviced by XXXX or XXXX  and then transferred over to XXXX XXXX and then XXXX XXXX transferred the loans over to XXXX, however the Borrower Defense Team and XXXX refuse to discharge my loans as per the letter attached from XXXX has advised that they should be, when I have tried to reach out to the Department of Education, the Borrower Defense Team, or XXXX I am constantly getting the runaround as they do not want to discharge my student loans as per my approved borrower defense application. This is not only unfair but also fraud and I will have no other choice to consult with an attorney should I not get some results
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a 30-60 days late reporting on credit reports from Chase Bank. The late payment was on my chase freedom unlimited credit card. After changing my address via Chase 's mobile app, my statements continued to be sent to my old address for multiple months. When our monthly payment amount changed, we did not receive a statement from the bank, and we believe Chase was still sending them to our old address. Because of this, we received a late payment report in XXXX of 2018. When our address was eventually changed in XXXX, we received our first statement in months, showing that we were late. We paid the required amount at this time and called Chase bank to inform them of the error. After their initial investigation they concluded no bank error was made, even though the statement were not being received, and we tried multiple times to request statements by changing our address on their mobile app. Now we have attached our credit card to our online banking, and so can see our statements online. I can attach them showing that they were being sent to an old address for months after we requested a change of address via their mobile app. I contacted them today ( XX/XX/2018 ) to ask that the item be removed, and to discuss in good faith before filing a complaint. They did not change their original ruling. They have concluded that there was no bank error, and that they do not have the capacity to remove the late payment unless a bank error was committed. However, its a fact that banks have utilized their access to XXXX reporting to remove credit reporting issues in the past, without specifically being required to prove bank error. I believe their explanation as to why they can not remove the credit reporting is false and meant to discourage me from pursuing further my endevours to reverse this ruling on my credit report. Possibly this claim, if false, could be considered unethical as it discourages those with legitimate disputes from pursuing further action based on incorrect information provided by the credit department at Chase.
Product: Credit card or prepaid card

I was notified of a return payment from my bank and resubmitted the payment to the card issuer. Then subsequently was notified by the bank that they did not submit the payment. After which a payment was made and satisfied the balance on the card. Shortly thereafter the card company closes the account without notice. When I contacted them they said it 's because there were two return payments. I let them know it was a bank error. The most disgusting thing is that they closed the account after it was paid in full thereby damaging my credit score and saying that it ca n't be reopened. All with no written notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act 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 has Violating my rights 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A section 2 : It also states that I consumer reporting agency can not furnish an account without my Written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX opened on XX/XX/XXXX XXXX which was closed around XX/XX/XXXX i believe the date was. To make a long story short XXXX had agreed to remove this card completely off my credit file. It is still showing on my closed accounts. I had called them early XXXX and a few other times in XXXX about this & they said on the phone each time it would be taken care of. I am currently looking at my credit report and still see it there. Which is why I am coming to you guys. I just want them to honor what they said and remove this from file. I have an attached screen shot of the account. Again all I am looking for is for XXXX to honor what they said they were going to do and remove this closed account from my file. Thank you
Product: Debt collection

I was advised that debt was no longer owed because it was included in XXXX. The company keeps attempting to collect debt by garnishing wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report an saw several account that did not belong to me, so i got in contact with the companies to let them know that these accounts were not mines. I also provided my drivers license and social security card to prove that the accounts were not mines but they refused to investigate them. So i decided to file the necessary documents to show that i have been a victim of identity thief to the best of my knowledge. The following accounts are not mines : XXXX XXXX XXXX # XXXX XX/XX/XXXX {$730.00} XXXX # XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX # XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX {$730.00} XXXX XXXX # XXXX XX/XX/XXXX {$1000.00} XXXX XXXX # XXXX XX/XX/XXXX {$1700.00} XXXX XXXX # XXXX XX/XX/XXXX {$500.00} XXXX XXXX XX/XX/XXXX XXXX {$2200.00}
Product: Debt collection

XXXX, XXXX and XXXX have failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, and XXXX alleging systemic issues such as failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor 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 XXXX 's inaction violates federal law and my rights.
Product: Credit reporting or other personal consumer reports

Pursuant 18 U.S.C. 8 I dont own any debt this company is violating my consumer rights to privacy. 

Account name XXXX. XXXX  XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX, Account # XXXX XXXX XXXXXXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXX Bankruptcy XXXX XXXX-dismissed, Account XXXX, have 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the incomplete reporting of my credit accounts under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance guidelines. The following accounts are inaccurately omitted from my consumer report with TransUnion and XXXX, while XXXX is properly reporting them. This omission is negatively affecting my credit profile by failing to reflect my established payment history and available credit. 

Accounts in Question : 1. XXXX ( Authorized User ) Credit Limit : {$10000.00} Balance : {$510.00} ( Updated : XX/XX/XXXX ) Credit Usage : 5 % Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX  ( Authorized User ) Credit Limit : {$2000.00} Balance : {$770.00} ( Updated : XX/XX/XXXX ) Credit Usage : 38 % Date Opened : XX/XX/XXXX Violation of Consumer Rights and Metro 2 Compliance : Pursuant to 15 U.S. Code 1681i ( Procedure in case of disputed accuracy ) and 15 U.S. Code 1681e ( b ) ( Requirement to ensure maximum possible accuracy ), the failure to report these accounts completely and accurately constitutes non-compliance. Additionally, under Metro 2 reporting guidelines, all furnished data must be complete, accurate, and up-to-date across all consumer reporting agencies.

These accounts are essential to my credit history, demonstrating responsible usage and timely payments. The exclusion of this information skews my credit profile and affects my ability to obtain fair lending terms.
Product: Debt collection

My wallet was stolen out of my car in XXXX. It contain my lD and SS card and other docs.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the companies listed have violated my rights. 

XXXX XXXX Account # XXXX Reporting to XXXX and Equifax Only! They are violating my rights! 

XXXX XXXX Account # XXXX Reporting inaccurate information to all 3 credit bureaus. Reporting different amounts and dates! They are violating my rights! 

XXXX XXXX XXXX XXXX Account # XXXX Reporting inaccurate information to XXXX and Equifax ! They are violating my rights! 

XXXX Account # XXXX Reporting to XXXX and XXXX Only! Violating my rights! 

XXXX Account # XXXX Reporting to XXXX  Only! Violating my rights! 

XXXX Account # XXXX Reporting to all 3 credit bureaus! Violating my rights! 

XXXX Account # XXXX XXXX to XXXX  Only! Violating my rights! 

XXXX XXXX Account # XXXX Reporting to Equifax and XXXX Only! Violating my rights! 

XXXX XXXX XXXXXXXX Account # XXXX Reporting inaccurate information to XXXX and Equifax ! They are violating my rights! 

Untitled {, Collection/Chargeoff, Consumer disputes this account information XXXX Subject has not satisfied debt. } Account # XXXX Company is untitled and does not have a name! Reporting to Equifax OnlyThey are in violation of my rights! 

Untitled {, Collection/Chargeoff, Consumer disputes this account information XXXX Subject has not satisfied debt. } Account # XXXX Company is untitled and does not have a name! Reporting to Equifax XXXX are in violation of my rights! 

XXXX XXXX XXXX  Account # XXXX Reporting inaccurate information to XXXX and Equifax ! They are violating 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 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

1 ) Dual Tracking : In XX/XX/XXXX, Wellsfargo was processing our loan modification without removing our property foreclosure. Agent were telling  us documents to fax in which we did but foreclosure sale date was not moved or stopped. As foreclosure sale date was set, I was quoted {$120000.00} to reinstate the loan, take care of escrow balance ; attorney fees and all other delinquency fees. Provided Wells Fargo proof of funds from the bank to extend sale date or remove sale date but Wells Fargo proceeded to sell my property on XX/XX/XXXX, after speaking to my bank manager who confirmed availabity of funds. 

2 ) We trained an attorney who sued Wells Fargo but Wells Fargo reached an agreement that if we should agree to dismiss the lawsuit without prejudice, Wells Fargo will reinstate the loan as it was and credit all payments, past due escrow balance, taxes and insurance to bring account current with no extra charges. A payment of {$130000.00} as settlement amount. 

3 ) On XX/XX/XXXX, Wells Fargo signed the settlement agreement upon the receipt of {$130000.00} in lieu of rescind the sale, reinstate the loan to current status, take care of escrow account and resume account activities. 

4 ) Wells fargo did not keep up their side of the deal because the payment of {$130000.00} was not properly credited to the account to take care past due escrow, payments, taxes, and insurance as was listed in the the detailed statement that was sent to us in XX/XX/XXXX regarding why {$130000.00}. 

5 ) Wells Fargo did not reinstate the loan as it was where Wells Fargo pays our taxes and insurance as we had requested and how it was prior to settlement of lawsuit but instead Wells Fargo added forced escrow to our loan and did not provide detailed account of how and our payment of {$130000.00} was disbursed. This caused them to do wrongful escrow analysis on our loan thereby tripling our mortgage payments and making it unable for us to make our payments. 

6 ) Wells Fargo also falsified interest only modification which we never requested and stated that our loan was an interest only loan when statements that was provided by Wells Fargo attorneys during lawsuit settlement in XX/XX/XXXX clearly showed our property as ARM and not interest only. 

7 ) Our original loan was taking out in the year XX/XX/XXXX in the amount of {$240000.00}. As of today, Wells Fargo has turned our lives to a nightmare with the falsified interest only modification which puts our payoff amount to {$350000.00}, our monthly payment form {$1200.00} to {$5600.00}. We have asked wellsfargo to let us know what our monthly payment was before the modification and how many payments were we past due to have requested interest only loan from an arm and how much difference was our payments before interest only and after interest only loan because we never signed for interest only modification, it is falsified. We have lived in our home for 18 years, have XXXX children here. It is not an investment property to be interest only.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've never even been contacted by this people in the past. I have no idea who they are and never did any business with them ... Please delete this account and tell the company to be more careful on how they handle their reporting XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to Equifax regarding this account. I've contacted FTC. I've contacted XXXX XXXX. This account is entirely inaccurate and shouldnt be listed on my credit report. I have no obligation to this account. Furthermore, Equifax never notifies of the results or provides investigation procedures when requested. Im highly disappointed in this situation and the system that allows for this. Equifax is the only company that does not thoroughly investigate into the account and continues to report inaccurate data monthly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I came to know about the Hard inquiry on my credit score from XXXX XXXX XXXX XXXX on XX/XX/2018. It is wrong information. 

Secondly, I found another wrong Hard inquiry on my credit score from Jpmcb card service dated XX/XX/2018. 

Kindly remove both wrong information and increase my credit score accordingly.
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 Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

To whom it may concern, I, XXXX XXXX have a credit issue I'd like to fix. I have contacted XXXX   numerous times and have gotten different responses each time. I am a stay at home mom, with a XXXX year old who homeschools my children, as well as help my grand parents get their needs met. I was unaware I had to apply monthly, or tri-monthly. One rep said today XX/XX/19 I had to apply monthly, and the other said every 3 months. I was unaware the policies changed. I had spoken to another rep in the beggining of XXXX and he told me I was fine and to not worry and that they would dispute my credit problems. Then today was turned down. As you can see the confusion and miscommunication I'm dealing with esp with all of the sudden recieving a bill. Which once was recieved it was too late, my credit score dropped tremendously over my XXXX. I need help. I keep getting told different things and all because of miscommunication on their end my credit sucks.its upsetting and discouraging. Please help. My contact is ( XXXX ) XXXX or you may email me at XXXX. Any help is highly appreciated. 

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

Please remove fraudulent accounts and hard inquiries off my credit file from Experian, XXXX, XXXX XXXX immediately. 

XXXX ( FINANCE ) XXXX XXXX XXXX ( FINANCE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A 1099-C cancellation of debt was sent to the alleged account holder from XXXX XXXX XXXX XXXX for charge off debt to be filed on tax return as earned income. By law, it can not be listed on alleged account holders credit report as a debt. According to the FCRA, this is an inaccurate account. Income filed on tax returns can not be deemed as debt. This account should be removed from the credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

bad warranty, both companies have violated my rights per the FCRA : they have violated the truth in lending act, consumer laws : it's being reported to all three credit reporting agencies in their affiliated third party agencies : XXXX XXXX XXXX XXXX XXXX XXXX, has continued to charge illegal fees, reporting amount, not accurate. From charge-off in XX/XX/XXXX, then change to ( open ) status past due {$14000.00} when vehicle was involved in accidenXXXX XXXX XXXX has reported each month from XX/XX/XXXX as past due with {$0.00} amount due each month, updated balance from {$14000.00} XX/XX/XXXX - XX/XX/XXXX, increasing by {$10.00} to {$14000.00}. As of XX/XX/XXXX balance increased to {$14000.00} to allow the loan to remain as a open status on all three credit reporting agencies reports. Once a loan reports as a charge-off in sold to a third party lender, it can not report as ( open ) on any report. This account has been issued to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX. 

XXXX XXXX Bank credit card was not open by myself, they continue to report to all three credit reporting agencies and their affiliates inaccurate information, fraudulent company names to each reporting agencies. 
They are listed as : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  sold to XXXX XXXX XXXX XXXX each company uses the samXXXX account loan #, but with different open dates balance of {$440.00}. 

FCRA promotes the accuracy, fairness, and privacy of information in the files. Under these laws as a consumer all my rights was violated.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : Account : 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 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: Mortgage

I lost my job and applied for a forbearance plan on XX/XX/XXXX. The forbearance was not approved until XX/XX/XXXX... Loancare sent a letter dated XX/XX/XXXX asking me to contact them regarding missed mortgage payments. Additionally, Loancare reported me as delinquent to the credit bureaus, AFTER they allegedly approved me for the forbearance. And, I'm receiving calls and letters regarding the delinquent account. What is the point of a forbearance if if the company doesn't abide by their own agreement and my credit ends up ruined anyway?