23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied to the XXXX Homeowners Assistance Fund ( HAF ) for help with my mortgage payments. Last week I received an award notice from HAF indicating they would provide funds to pay my mortgage for XXXX months. 
I also received an email last week dated XX/XX/XXXX from HAF indicating they have deposited {$5700.00} into the JP Morgan Chase account sent via wire. It was mentioned in the email that I should call Chase to make certain the funds were in the account. I called Chase last Friday and the person I spoke to said that it should take a few days for the funds to be deposited. 
Today I spoke to someone who said it should now take up to ten business days for the money to be transferred.

As usual Chase is giving me the run around. They have treated me in the last few years abusively. I need these funds sent by HAF to pay my mortgage. I can not take Chase stonewalling me.

Please tell Chase to abide by the law. These are Federal Funds that were sent to Chase. Tell them to release these funds in which HAF has told me they are already in Chases account. HAF even gave me the account number. I am XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. Right now, I'm not certain that you followed all of the Fair Credit Reporting Act 's criteria when conducting your investigation. This was already included in my prior COMPLAINT Numbers : XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX XXXX : {$89.00}
Product: Credit card or prepaid card

I noticed a withdrawal for almost {$500.00} from my bank account ( not a Capital One bank account ). The withdrawal was made by Capital One Credit Card. Neither my wife nor I ( the only two owners on our  bank account ) has or have ever had a Capital One credit card. This is a fraudulent charge. I contacted my bank, and they were able to credit back my bank account and change my account number, as the account information appeared to have been compromised. I called Capital One, as I would like to know the name of the individual or entity whose credit card bill was paid with this fraudulent withdrawal from my bank account. I could not get through to speak to a representative.
Product: Credit reporting or other personal consumer reports

A careful review of my credit record revealed concerning late payment entries that remain unresolved despite my previous attempts to address them. More than 30 days have passed since I sent letters requesting validation of these entries, yet I have received no response or satisfactory explanation. This lack of communication and proper validation raises serious questions about the accuracy of these reported late payments.
Product: Checking or savings account

Deposited cashiers check of {$1900.00} on XX/XX/XXXX to my checking account at USBank in XXXX CO. Check was immediately cleared and funds available in account until XX/XX/XXXX. On XX/XX/XXXX, the check deposit was reversed without explanation. I realized then that the cashiers check I deposited on XX/XX/XXXX was fraudulent and I was a victim of a scam that has cost me {$1900.00}. 
I reported this fraudulent check and scam to USBank fraud liaison department on XX/XX/XXXX in an attempt to catch the perpetrators and recover lost funds, but to date ( XX/XX/XXXX ), I have not received any response from the bank.
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 U.S.C. 1681 XXXX XXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXX XXXXXXXX XXXX ACCOUNT # 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, STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C. 1681c. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINTING ANY OF THE FOLLOWING ITEMS OF INFORMATION, ANY OTHER THAN RECORDS OF CONVICTINS AND CRIMES WHICH ANTEDATES THE REPORT BY 7 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 RESONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE TO ALL ACCOUNTS.. 

ALL THREE CREDIT BUREAUS ARE COMMITTING FRAUD BY USING AND SHARING MY INFORMATION WITHOUT MY PERMISSION AND WITHOUT MY WRITTEN PERMISSION .. BY LAW.. 

XXXX XXXX FORM SELLING SECURITIES THEY DID NOT GET MY PERMISSION TO PULL MY SOCIAL SECURITY ALL THREE CREDIT BUREAUS COMMITTING SECURITIES FRAUD THEY DIDNOT GET MY PERMISSION TO USE MY SOCIAL SECURITY. IF THEY DID WHERE IS THE FORM TO PROVE I GAVE THEM PERMISSION!!
Product: Mortgage

- On XX/XX/XXXX, I called Mr. Cooper to make my XXXX mortgage payment. - I was told by the representative that their system can not accept my payment because there is a foreclosure sale date of XX/XX/XXXX. - I was told that I forfeited the property. - I am in active bankruptcy and no notification was sent to my bankruptcy attorney. - I was told that I was in arrears for over {$10000.00} - This is not the case. I pay my mortgage every month. - I contacted my attorney and they contacted Mr. Cooper who said that their records show that I missed several payments. - I provided my attorney with bank statements showing debits to Mr. Cooper for the periods in question - I also provided email confirmations from Mr Cooper stating the my payments were posted to the account. - This problem happened in XXXX of this year but Mr. Cooper sent notice to my attorney that I was in default. - We submitted proof to Mr. Cooper of all payments made each month along with their email confirmations stating that my payments were scheduled and posted. - I am being threatened again but this time I am being foreclosed on. And my attorney 's were not notified. - In XX/XX/XXXX I called Mr. Cooper to make my XXXX mortgage payment and the billing recording stated that I was in arrears. I bypassed the recording to speak to a representative and told her what the recording said and that it was incorrect. She confirmed that it was incorrect and my account was current. She then accepted my XXXX mortgage payment - I received a notice dated XX/XX/XXXX stating that I needed to pay {$8200.00} to bring my account current. I dismissed this as a mistake because the representative in XXXX said that I was current. - Mr. Cooper had a cyber breach in XX/XX/XXXX and shut down their system. Their records are not accurate and I am being threatened with foreclosure and I have proved multiple times that I have paid my mortgage each month and have not missed a payment. - I need to pay my XXXX mortgage payment but can not until they get their records straight. 

As of XX/XX/XXXX, I have been told by my attorneys who are in contact with Mr. Cooper that my account was current and I only owe for XXXX and XX/XX/XXXX ( which is true ) but the bill payment system still has my account in foreclosure status and will not accept my XXXX and XXXX mortgage payments and are proceeding with foreclosure on false information. I do not know how to make my payments! Please help.
Product: Payday loan, title loan, or personal loan

I have tried submitting this complaint but it was confused for a separate complaint I made at previous time. There has been nothing but issues when working with Chase bank in regards to the Paycheck Protection Program loan that I received for my business. This complaint is in regards to the servicing of the loan. After having part of the loan forgiven, Chase failed to update the loan term extension I requested that they offered for the loan balance. I was billed a much larger monthly bill under the 2 year loan term instead of the lower monthly payment amount under the 5 year term I agreed to. After calling and being transferred to several different departments I finally was told that I needed to speak to my local branch account representative, who also is unable to help. I was told initially that I would not be held responsible for the payment under the 2 year term but I am now being required to pay both balances. Not a single person was able to assist me and it seemed that the " correct department '' they transferred me to had no idea how to help either. I can not make the larger payment amount while my business is still recovering from the affects of the Pandemic and need this error to be corrected.
Product: Credit reporting or other personal consumer reports

I am very distressed that your company continues to include information on my credit file and has not maintained reasonable procedures in your operations to assure the maximum possible accuracy with the reports you publish. 

You have continually failed with every dispute I submitted to your company and your neglect has violated my rights. I have disputed these accounts numerous times with the same inaccurate information being reported and not being deleted for inaccuracies. 

Since it is apparently clear that you are unable to investigate and re-investigate properly I will assist. 

Three activities from XXXXXXXX XXXX have been reporting inaccurate information within the three credit bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I submitted the first dispute regarding this account it has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NO'T include an active payment history. This inaccurate information falsely manipulates the statute of limitations. 
INACCURATE YOU MUST DELETE Under 15 U.S.Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Your improper procedures are highly damaging to my credit score.

INACCURATE YOU MUST DELETE Not only the aforementioned this inaccurate account is reporting inaccurate and reporting inconsistent balances across bureaus which includes the 1. Inaccurate Balance information 2. Inaccurate Payment History 3. Inaccurate Date of last payment 4. Inaccurate Date of last activity 5. Inaccurate Date of opening 6. Inaccurate credit limit I could go on and on with additional numbers of inaccurate information that you failed to investigate but I will leave the rest for you. 

I have spoken to representatives in your company and was informed on a recorded line that if I want additional information from your company regarding the accuracy of the account and proof that I was to contact the creditor directly. Please explain how your company is reporting inaccurate information furnished by the creditor and the same inaccurate information is being reported to other bureaus. Please explain how you are illegally violating the rules of the Fair Credit Reporting Act by allowing this to continue. 

Please review attached document of side by side view of the inaccuracies that this alleged account is reporting to other bureaus. 

No need to provide this inaccurate information to the creditor so then can now update the inaccurate and inconsistencies that you have allowed them to report to you company falsely manipulating my credit file. 

It is your responsibility to ensure XXXX percent accuracy which you have failed to do so. 

I demand these inaccurate accounts to be permanently deleted from my credit file. Disputes from XXXX, XXXX and XX/XX/2024 have all come back inaccurate you must delete. 

This accounts date of first delinquency illegally being changed to manipulate the statue of limitations Please review attached documents.
Product: Credit reporting or other personal consumer reports

Grain Credit sent incorrect reporting of a late payment of {$45.00} to bureaus for the month of XXXX, on the XXXX day of the month. I have called and sent in online request to have the discrepancy removed with no answer or response. I have attached my bank statement showing my bank account debited on XX/XX/XXXX, in the amount of {$44.00}.
Product: Student loan

I contacted Nelnet XX/XX/2023 and Im a XXXX XXXX for the state of ga and my student loan should be forgiving and it has not
Product: Credit reporting or other personal consumer reports

XXXX has 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 unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed items. ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian 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 Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are inaccurate, this should not be on my credit report, I demand it be deleted.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear sir, I have received another letter prepared on XXXX XXXX or 2024 from your company telling me how to initiate the security freeze and locate a credit file. I have received the same letter over and over more than half a year after I notified your company that I am a victim of identity theft. Sometimes, because of these letters from your company, I doubt myself whether I am a victim or not and realize again the unbelievable financial incident from the viewpoints traditional and conservative Japanese viewpoints. I know your company will send me another letter what the next action as a victim of identity theft is ; even though I believe myself I have registered as a victim by your country federal government. I sometimes wonder what might happen if I happen to return to Japan now. Maybe, somebody will ask your company my credit file and steal my information your secure data bank ; then, I might have difficulty to enter the United States since there is another XXXX XXXX, and unable to meet my family. Maybe, they might be disappeared from my view by moving unknown place. It might be different, but I remember one incident of my childhood news that one Japanese lady had difficulty to return to Japan by the identity theft and became national broadcast when she returned. From the beginning, maybe the notification of settlement which I received long time ago might be the faked story same as some financial incidents which continue to happen to me. Anyway, I just notify to your company I received another embarrassing letter of reality which shows your company does not care the victim. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the Credit Bureau to do verification of everything on my Credit report from a XXXX XXXX XXXX XXXX XXXX Account # XXXX. they have stated that everything was accurate but I have done a thorough research myself and have found improper inaccuracies on the Credit report. 

In accordance with the Fair Reporting act XXXX XXXX XXXX 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 agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

After discussing my problem with Experian, I notified XXXX of which the customer service representative informed me that there was no file on me. In addition, they would send me a way to access my report with a PIN. I received the letter which was dated for XX/XX/2023. In the meantime, all 3 credit reporting agencies notified me that information regarding my credit worthiness included information from XXXX. I have attempted 3 times to access the report and can not review it. In addition, when I spoke to XXXXXXXX XXXX XXXXXXXX they offered no assistance or resolution. 
Last year I was a victim of identity theft and fraud and with the assistance of the local, state and federal police we was finally able to get a alert on my credit files. No consumer should have to go through the incident and then deal with these reporting agencies. 
Your assistance is greatly appreciated. 
XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Student loan

I previously submitted a complaint regarding the unauthorized access of my federal student loan records ( Case # XXXX ), but the response provided by Nelnet failed to address my concerns. Nelnet issued a generic response about compliance laws but did not confirm or deny whether my student loan records were accessed, altered, or transferred without my authorization. 

Key Issues in the Original Response : Nelnet did not provide an access log showing whether unauthorized access occurred.

Nelnet did not confirm or deny whether my records were accessed without my consent. 
Nelnet did not outline any investigation into potential unauthorized access. 
Given the seriousness of a potential breach of my personal and financial data, I am formally requesting the CFPB re-open my complaint and require Nelnet to provide specific answers to the following : Was my student loan data accessed or modified by an unauthorized party? 
Provide a detailed log of all access attempts to my loan records. 
What investigation, if any, has Nelnet conducted into this potential breach? 
What safeguards has Nelnet implemented to ensure my private data is protected moving forward? 
Additionally, I request that the Department of Education investigate Nelnets handling of my records and determine whether a data breach occurred. If Nelnet is unwilling to provide this information, I will escalate my concerns to the XXXX  XXXX XXXX XXXX of XXXX XXXX ( XXXX ) and the Federal Trade Commission ( FTC ). 

This issue requires immediate attention, and I request a full investigation and response within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have a credit card name XXXX on my credit report which is not opened by me its and fradulent account that shows on my credit report. Please remove the fradulent XXXX credit card account.XXXX credit card is fradulent account opened on my name
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed false reporting XXXX  inquiries I have not inquired about, on my credit report. I have mailed a request XXXX  XXXX XXXX  WFDS XXXX  have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/2021, XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out several times and summitted complaints regarding the inaccuracy of this account, its coming back verify. Sending me a copy of a bill isn't validating anything. I've reached out to XXXX XXXX  many of times and i was told they don't have assess to this account and it was sold so to a collection company, which XXXX is still report.But CFPB send me a email that their wasnt going to investigate. I spoken to some higher up and i received a email which I'm submitting for prove which he stated over the phone it was a mistake and he was submitting it to be removed and also a copy of my credit report which you can see the information is inaccuracy, XXXX XXXX removed the inaccurate account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedingthe account is accurate, without providing any evidence di a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 


These are the accounts I have marked as inaccurate CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX This is a cease to exist order. These accounts must be removed immediately being that they are fraudulent and inaccurate. 

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


I have hired a lawyer and fraud speciiast to now look at my XXXX. I have frozen every report on all 3 credit bureaus. Im really taking a hold of my credit now being that I see the power. These accounts are fraudulent and were unauthorized in my name. PLease remove these asap. 


XXXX XXXX {$370.00} XX/XX/XXXX XXXX {$520.00} XX/XX/XXXX XXXX XXXX XXXX {$1500.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX