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

Have a veterans loan with Veterans United. Veterans United automated payment processing system failed and is flawed. This resulted in missing several payments. I found out my accident that the payments had not been made. VU never completed a phone call or mail notification of the problem. VU removed the late fees and corrected the problem. 

The exact problem happened again. Again no phone calls or written notification of problem. Until I received a default/foreclosure notice in the mail. I immeadiately started working with VU for weeks to correct the problem. However VU and its processor did not have a working phone system or answering machines. They also do not have a method for email communications. I eventually pretended I was a new customer and was able to contact them by phone. They worked on it for weeks but never found a problem. They never suggested an alternate method of payment. 

When I made manual online payments, the system showed I made the payments, even when checking days later. However after a week or so the payments would be reversed because their payment system is horribly flawed. 

I finally mailed them a check because I didn't want the foreclosure process to continue. 

The account is up to date now and they have removed late fees and penalties. However, my credit report is ruined as they reported to three credit agencies that I had late payments. So now I can not refinance or take out a car loan. They still do not have a way to contact customers about issues, via phone, email, or US mail. They have not corrected the credit reporting problems
Product: Student loan

FedLoan Servicing ( PHEAA ) has begun ignoring my payment instructions yet again. This is the fifth CFPB complaint I have had to file because this company refuses to follow my payment instructions. My standing payment instructions were attached to a previous CFPB complaint, and FedLoan Servicing has acknowledged receiving these instructions and agreed to follow them as part of that complaint. The most recent example of incorrectly applied payments is my XX/XX/XXXX payment for {$360.00} that was applied to my loans on XX/XX/XXXX. This payment should have been applied to the loan with a disbursement date of XX/XX/XXXX and interest rate of 4.45 % but it was instead applied to a loan with a lower interest rate. I have attached a screen capture showing my two most recent payments that have not been applied correctly.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft, while in XXXX, Ohio. I had my wallet, and XXXX XXXX. The individual or group that stole my belongings, were able to access my checking account information, credit cards, passport information, and information about my mortgage. Being a victim of Identity Theft has caused several issues on my accounts, due to Thousands of dollars coming out of my checking account. This account was open in XXXX of XXXX, and is reflecting late payments in XXXX, XXXX, and XXXX. I explained my situation to the customer service manager, and he stated there would be no late payments reported and that we will work with you regarding this matter. I have worked very hard through school and in my career, and if the company is not able to honor the police report, and police officer statement, and remove the late payments reporting for the months of XXXX, XXXX, XXXX of XXXX. I will file bankruptcy on this account. I would like a response in 30 days, in order to proceed with filing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Debt collection

You have me owing them {$220.00}. I have never used their services in my life. I do not know who they are. I have never dealt with them and they have not sent me any proof of verification showing that its me. I want this removed I already complained to all the credit bureaus two of them have taken it off except XXXX XXXX says that they verified. How could you verify something without some kind of proof so Im trying to find this
Product: Credit reporting

Credit.con is doing something sneaky with my account. They wo n't let me access my credit score and when I tried to delete my account with them they tell me I 'm suspended! They must be up to no good and I ca n't do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Hello, I tried to get access my credit score and reports through several online tools, such as XXXX and XXXX but they can't access my data and unable to obtain my credit report and score. They said that it might be issues on the redit Bureau level. 

The message I received when trying to get the report on XXXX : " We are temporarily unable to obtain your credit report. We are currently experiencing technical problems. '' What does that mean? Does it mean that my online request is rejected and I should request free report through the U.S. Postal Service? 
Do you have any recommendations what should be my next steps to get it online? 

Thanks a lot, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im having difficulties disputing with Equifax. I get the following screen ( see attached ). This has been a problem for 3 years and no one knows how to fix the issue. Yet continues to post false information on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act XXXX Account : 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. 


XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

Account : XXXX XXXX Months and Years of Late Payments : As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent certified dispute letters to XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) and the original creditor, XXXX XXXXXXXX, regarding medical collection accounts that have been improperly reported on my credit report. These accounts include the following : Amount : {$670.00} Date Opened : XX/XX/2024 Status : Collection/Charge-off Despite my formal dispute and the accompanying documentation, these accounts remain on my credit report. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting agency and the collection agency to validate the debt and investigate disputes promptly. 

Additionally, this medical collection involves sensitive information protected under the Health Insurance Portability and Accountability Act ( HIPAA ). No authorization has been provided for the disclosure of my medical debt to third parties or the inclusion of this information in credit reports, which constitutes a breach of my protected health information rights under HIPAA. 

Furthermore, my personal information has been sold without my consent to third-party entities for the purpose of collection. This unauthorized sale of my information is illegal and has resulted in identity theft. I have filed an identity theft affidavit and dispute claims with the credit bureaus, but the collection accounts have not been removed. 

Actions Taken : On XX/XX/2024, I sent certified dispute letters to XXXX XXXX XXXX XXXX XXXX and the original creditor. 
I filed identity theft affidavits to address the misuse of my personal information. 
Despite these efforts, the collection remains on my report, and no resolution has been provided. 
Impact : These actions have caused significant harm, including damage to my credit score and the unauthorized exposure of my private medical information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  and Experian previously and asked them to remove this account from my report as it does not accurately state any information at all. 
I have notified XXXX as well as XXXX XXXX County of this reporting and both state that they do not report to any credit bureaus and that they are falsely reporting this information. 
Each time I have reported this and made a complaint, it is closed with no real investigation. 
You are violating my rights by reporting false information. 

Please remove this account from my reports.
Product: Credit reporting or other personal consumer reports

After reviewing my Transunion report, I have found some issues. I have requested an update for more than 60 days and it still hasn't been updated. This is against the law ( FTC ). This lack of updating my credit has hurt me financially and my next step will be to sue Transunion. 

XXXX XXXX Reported : XXXX. XXXX, 2025 - {$3900.00} In good standing XXXX XXXX Reported : XXXX XXXX, 2025 + {$6700.00} In good standing XXXX Reported : XXXX XXXX XXXX + {$1400.00} In good standing TBOM/CONTFIN Reported : XXXX XXXX, XXXX - {$280.00} In good standing
Product: Debt collection

XXXX XXXX XXXX is trying to charge me illegal made-up late fees. I do not owe this company $ XXXXThe remaining balance of my account is {$110.00}. I have enclosed copies of all of my receipts paid and reference ID numbers and dates of my past complaints.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1692G - VALIDATION OF XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON XX/XX/XXXX AND XX/XX/XXXX ON MY XXXX XXXX XXXX. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNT FOR I HAVE BEEN A XXXX XXXX XXXX MEMBER SINCE XXXX.
Product: Mortgage

I haven't received my XX/XX/XXXX mortgage statement from Shellpoint Mortgage servicing so I went online to get a copy of my statement ( statement date XX/XX/XXXX ). In the 'transaction activity ' section it stated that on XX/XX/XXXX I was charged a {$79.00} Late Charge due to not making a full payment by XX/XX/XXXX. Yet the same 'transaction activity ' section shows that they got a payment on XX/XX/XXXX a day before it was due. I called the XXXX phone number to speak with someone about why I was being charged a late fee and why my statement said I owed {$3700.00}. She looking into it and re-assigned my XX/XX/XXXX 'Principal Only Payment ' to a 'Regular Payment ' she also claimed to have taken the late charge off my account. She then asked me to check my account online and said it would show the changes she had made. As requested I checked my online statement which still showed that I had not made an XX/XX/XXXX payment and that I was late. She then told me it could take a few months for the change she requested to show up on my account. I then asked if I did in fact owe {$3700.00} as per my XX/XX/XXXX statement and she told me know due to the changes she had requested I should only owe my normal payment. I then asked if they would then issue a new statement to reflect that I didn't owe {$3700.00}, and she said no. I then asked if I could get something in writing stating that I didn't owe {$3700.00} on XX/XX/XXXX and she again said no. We also spoke of the fact that they had sent me a bill for {$120.00} in additional escrow owed in XX/XX/XXXX but for which they didn't cash my check till 3 months later in XXXX. She explained that it probably got lost in the mail. Ever since my mortgage servicing was changed from Greentree to Ditech to Shellpoint I have had problems with them properly posting my payments. They are always late and often mis-assign the over payments ( extra principal payment ) that I have made every single payment since the origination of this loan. I have over paid for almost 16 years now. I now have an XXXX FICO score and don't need a late payment on my credit rating due to Shellpoint mortgage improperly assigning my on-time payment.
Product: Mortgage

My monthly mortgage payment has gone up from {$600.00} per month to {$620.00} per month. When I called Nationstar asking why, I was told that my condo had a newly assessed value. I am assuming that the newly assessed value and increase in my payment is direct retaliation for the filing of my last complaint with the CFPB about this shady company. 

My old {$600.00} monthly payment was broken down as follows : Principal $ XXXX $ XXXX Amount ( for Taxes & Insurance XXXX XXXX XXXX Monthly Payment $ XXXX new monthly payment is broken down as follows : Principal $ XXXX $ XXXX Amount ( for Taxes {$63.00} per month & Insurance {$37.00} per month ) = $ XXXX Monthly Payment {$610.00}. 

However, I am being billed {$620.00} per month, starting XXXX XXXX, 2015, not {$610.00} per month. 

When I inquired about the increase in payment, I was not given the current value of the property that the tax amount is based upon, and in addition, I was told that Nationstar has some goofy rule that allows them to keep up to two months of tax payments in the account even though they do not go to the taxing authority. I was told that this was also the reason why my payment has gone up. When I ask these questions, I either get someone on the phone who does not understand the question, and/or I get transferred all over the place. 

Here is what I want : The value of the property that Nationstar is basing their taxes on. They keep pushing me to the taxing authority to get this value yet Nationstar has that information readily available, otherwise they would not be able to generate the tax amount. 

The law or rule in Nationstar 's possession that gives them the authority to withhold XXXX months of tax payments. The law or rule that says they can not give me the value of my condo from their perspective. 

An explanation as to why my payment went up from {$600.00} per month to {$620.00} per month. 

It is this sort of shadiness that makes people wary of the mortgage business. It is time this behavior stopped.
Product: Credit card or prepaid card

Hello just the other day TransUnion took XXXX dollars out my account and I need my account took off of TransUnion because I did not sign up to spend XXXX dollars a month on something I do not use
Product: Consumer Loan

I obtained a loan through XXXX to purchase a vehicle. Approximately one year into the loan my account was transferred to Santander Consumer. Once Santander obtained my loan, they modified how my payments were being allocated and as a result my loan has been extended and my pay off amount never seems to change despite my payments. I asked for Santander to send me a breakdown of how my payments were being allocated. They refused. They began harassing me at work despite the fact I asked them to never call my job. I reported the harassment to the XXXX and that prompted Santander to stop sending me any statements at all. Each time I called they transferred me to the bankruptcy department, the office of the president, the charge off department, to XXXX, every where but to someone who could help me. I was told that they can only communicate with my attorney to which I told them numerous times I did not have. They keep repossessing my vehicle as a means to pad my account with charges since I have been questioning how I could possibly owe half of the loan six years into owning the vehicle and paying on it. Each time I call I get different information all amounting to nothing. They have ruined the credit I have been trying to rebuild. Santander is not operating with good business practice by no means. I now too many people having the same issue with how Santander applies payments. They have now repossessed my vehicle for the fourth time in a year. I am seeking some relief and plan on suing them in court. Santander claims that I asked for a cease and desist which I NEVER did at any point. I asked them to obey the law and not cal l my place of employment. Words can not express the level of frustration, embarrassment, and harassment that this company has put me through with their unscrupulous business practices. It is as though this bank is operating under it 's own guidelines without much respect for anything legal. This bank is failing, and they plan on staying afloat by manipulating the poor those of us trying to rebuild such as myself. Who is policing this bank? Is the government going to allow the same thing that happened at XXXX XXXX to go on indefinitely at Santander. At one point when I asked the representative to stop calling my job she kept asking me to give her the number that I do n't wish to be contacted. I refused to repeat that number because they digitally record the phone conversations then manipulate the recording to make it sound as though I am giving the phone number as a contact point. When I said to her, these are the only two numbers at which I can be contacted, then gave her my home and cell numbers, she called me dense for not wanting to repeat the number where I did not want them calling. These are the underhanded tactics they employ at Santander. They also do business with other unscrupulous businesses. The second time the took my vehicle, the repo company damaged and stole my XXXX from my vehicle. Santander has stuck me with the bill of repairing my vehicle. I hope someone here can assist me or at least point me in the direction of where I can get some relief from these thieves.
Product: Debt collection

They have been calling my job saying that need to serve me documents and they tried discussing this matter with HR or an office manager and were very persistent. I told them to reach me at home and provided an updated address.
Product: Debt collection

Trygrain.com I have had an issue paying this company. I was in constant communication with them that their digital platform wouldn't allow me to make a payment. They kept resetting my account according to them and it just wouldn't budge. I am very tech savvy so I know the issue was not with me. This company never gave me another option to make my payment such as a payment address. I am going to attach all of the emails I had with them in regards to this matter. I am very at them because they me up for failure and now it is hurting my Credit Reports and Scores when the issue was and never has been me. I am very furious as I am writing this. I have tried to get this error corrected with them and have had no success. I tried my very best to pay this account with them but now I see that they are reporting it is a negative account on my credit reports. The audacity they have to report my account like that is what really makes me furious when I have tried to pay them. If I didn't want to pay them then I would just take the negative on my Credit Reports and not be writing you the CFPB. I am very frustrated at this matter.
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 XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX  XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report RESIDENT VERIFY XX/XX/XXXX RESIDENT VERIFY XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX 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 XXXX 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.