23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was billed in XX/XX/XXXX and XX/XX/XXXX for the months of XXXX, XXXX, XXXX and XXXX, XXXX,XX/XX/XXXX. I was attending school during the time of XX/XX/XXXX - XX/XX/XXXX full time qualifying as in school deferment. Somehow I was n't reported being in school at time that led up to fed loan billing me for those months. I did n't realize it until I checked my credit score to make sure it was good enough to apply for a XXXX XXXX with the XXXX XXXX considering that 's what I majored in. Fed loan had reported to the credit bureau as having 2 late/missed 90 day payments which damaged my credit report substantially. I been going back and forth with fed loan for about 3 months now and filing disputes with all 3 credit bureau to please remove the 2 late/missed payments due to an error, misunderstanding or late communication threw fed loan and the school. I have been denied 2wice with credit bureau and this 3rd time I mailed all my school documents and proof of school enrollment and an explanation that caused this error with fed loan, I still was not granted my removal from the credit bureau and at the same time when I was disputing this error I was going back in fourth with fed loan agencies.XX/XX/XXXX I spoke to XXXX his id # XXXX on a recorded line, after going over my account he assured me that within 7-10 days my account would be corrected and I should have not been billed for those months.. ( no change accurred ) XX/XX/XXXX I called back and spoke with XXXX I 'd # XXXX on a recorded line same process again, she said she do n't know why my account was n't updated, she said she will send it to review and tell them to update and removal the late payments and that I should see the changes by the end of the month when they do their reporting to the credit bureau. Still no removal of the late payments but instead fed loan removed my forbearance and deferments from my account and granted me an in school deferment for XX/XX/XXXX-XX/XX/XXXX. Fed loan took deleted a lot of my pay as agreeds and still did n't remove the late payments and when fed loan deleted my previous pay as agreed it dropped my score by XXXX more points making it fall from fair to bad.. So my score was affected twice due to errors and I do n't think that right and they should not be able to control people credit report like that. So now fed loan is saying I was under half time. I took 4 classes in XX/XX/XXXX -XX/XX/XXXX putting me at 12 hours full time, I dropped one of my classes making it 9 hours and at the end of the semester the school reported I was half time but I did n't return to school the next semester so therefore they trying to say I was half time. I did n't register for the next semester so they do n't know if I was registering for full time hours or half time hours. Fed loan is so difficult to deal with and want try to help you in at all. They want admitt to their mistakes and keep giving you the run around and making excuses to fix their mess up. I have all my documents and can prove my request.
Product: Credit reporting

I received my discharge for my bankruptcy on XXXX/XXXX/2016. None of what was included in my bankruptcy, which was everything on my credit reports, were removed from my report. I understand they stay on there and are just marked as discharged, but there are roughly XXXX things left on there that are not marked discharged, that in fact were discharged. The only active thing on my credit report should be a paid off car loan that was obtained after the bankruptcy and is now paid off. i was givin this information by XXXX bank when trying to obtain a new loan to start rebuilding my credit. I need this taken care of immediately.
Product: Credit reporting or other personal consumer reports

I RECEIVED COPY OF MY CREDIT REPORT AND FOUND THIS FRAUD XXXX XXXX XXXX  ACCOUNT OPENED UNDER MY NAME WITHOUT MY KNOWLEDGE. 

THIS FRAUD ACCOUNT NUMBER XXXX SHALL DELETE FROM MY CREDIT REPORT BY LAW. 

THIS FRAUD ACCOUNT BALANCE IS {$5200.00} AND I BEEN IN TOUCH WITH THE CREDITOR AND THEY AGREED TO DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. 

DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan with a company that i have never been late on and they are showing a 30 day late pay on my credit report. I paid the amount that was due over the phone and they assured me that it was on time and not late and would not report as a 30 day late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies are reporting false and misleading information. They do not have the proof or documentation to prove that the account that they are reporting as late is late. You have violated my rights on many occasions within this incident. I would like the late payments to be removed immediately or litigation will filed in small claims court.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

A collection appeared on my credit report from XXXX XXXX XXXXXXXX months ago about a collection from an a apartment complex in Washington. I filed a dispute with Experian I do not live in Washington asking for a statement or what this collection was for they just verified the collection and gave me no information as to why or what this is for
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. 

XXXX XXXX XXXXXXXX I told Transunion, and XXXX to reinvestigate this account repeatedly .However the entire report is fraudulent and inaccurate. But how is this report verified with all the inaccuracy? open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

Falsely reporting on the legend 2year history. I uploaded the proof this entire account is inaccurate and must be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXXXXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX Balance Owed : {$330.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance Owed : {$24.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$84.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Owed : {$3600.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX****Balance Owed : {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of XXXX I began the first time buyers process. On XX/XX/XXXX I submitted a mortgage loan request to a company called Better. Prior to submitting the report I checked with all 3 credit bureaus, who listed me above a XXXX score, so I was in the range from XXXX. However if you read the attachment from Better, they used a company called XXXX XXXX, without my consent who has a score of XXXX. I contacted this company and have asked for the file they have on me, since I have never heard of them. On XX/XX/XXXX I processed an application with XXXX XXXX who just a day later came back with a score from XXXX  of XXXX. So I contacted all 3 credit bureaus and not one of them have me listed with a score in the XXXX range. Ive attached XXXX/XXXX  and these are the scores as of XX/XX/XXXX. Ive also attached XXXX. I utilize XXXX XXXX and also have gone to the websites of these 3 credit bureaus. Across the board this is unfair and makes me think that once I give my demographic information, then an algorithm is programmed to present incorrect information about my credit score. What other reason could there be for this major discrepancy across all agencies. This is a major systemic problem and could possibly be associated with the people who set the standard. It is clear that it is unfair and feels more like a sham or parody, there is no American dream in it at all.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. XX/XX/year>XXXX XXXX
Product: Mortgage

In XXXX received a VA home loan through United Wholesale Mortgage. In XXXX I attempted to do a refi through the VA but was told by XXXX   XXXX  that the gaurentees were never attached to the VA loan. Again, in XXXX I attempted to do a VA refi and found the guarantee was still on a house at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX because of a assumption of my loan with a non veteran. That loan was refinanced and the guarantees were released. 
XXXX XXXX  for the XXXX home never submitted the refi to the VA and UWM never attempted to place the loan with the VA. 
I was advised to have UWM, the original loan holder on XXXX XXXX XXXX XXXX, Mi. XXXX. This was submitted to UWM on XX/XX/XXXX. I haven't received any updates and my calls to UWM just leads to confusion on the part of UWM. I'm told it is with the research division and I should get an update within 24-48 hours ... it has been 12 days with no update or no one to contact. 
I have been attempting to do this refi for almost 2 months now. This is costing me considerable money due to the current rates in the 2.5 % range and the current mortgage rate is 5.25 %. This should have never happened and I'm feeling as if the mortgage company is trying to avoid correcting their error.
Product: Mortgage

Please help with this matter. I will go into detail, sharing how we arrived at this point. 

I suffered a physical attack at work in XXXX XXXX XXXX. After that, my company put me on leave for a while without pay and for sometime. In any case, my spouse 's work had placed him on medical leave at the time because of XXXX XXXX, and he was also very sick. I was determined to return to work at another location, but my boss was extremely vindictive and prevented me from working. She continues to call and advise people not to hire me even now. 

Well, at the time, my mortgage company, CM, contacted us, asking what the issue was. I shared what had happened to me with Carrington Mortgage, and they told me that they could help us. After, we finished the items they sent, they informed us that it would not have an impact on us. Additionally, if my memory serves me well, they stated that the mortgage increase would keep us covered until the loan 's expiration. 

We just attempted to obtain approval for the money needed to have work done on our house. Everything was going smoothly until the loan officer got in touch with us and told us we couldn't get the loan. Since Carrington did not inform us that they were requesting the funds in the amount from HUD of {$69000.00} we are crushed. How can that be when we are paying more on our mortgage. Is this right can you please help us as they did not tell us correctly. Now we can not have our home repaired as needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit reporting act XXXX  account # XXXX has violated my rights 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 treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

reference : CFPB # XXXX / XX/XX/XXXX Debt was disputed and removed from my credit history. CitiBank resold this " again '' ~XX/XX/XXXX despite the resolution in XX/XX/XXXX. Now showing on my credit as NEW in XX/XX/XXXX ; which is, in my opinion, inaccurate and inappropriate. This is a complaint against CitiBank and the current collection company. XXXX XXXX XXXX. Please remove from credit history and collections. It is wrong to close and remove then reopen as NEW. Once closed, it was resolve. Feeling harassed.
Product: Credit reporting or other personal consumer reports

I was a victim again of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RISE Fraudulent activity on my credit report {$1500.00} Reported balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX  XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record XXXX  XXXX bankruptcy XXXX Please remove this bankruptcy from my Public record XXXX  XXXX bankruptcy XXXX Please remove this bankruptcy from my Public record
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts : XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Bank statement, Passport ID and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking these accounts is inadvertently resulting in me being extorted.
Product: Money transfer, virtual currency, or money service

I had unauthorized transfer on my account. My account only shows the last few so I don't have the screenshot of it. Very odd. But it was never resolved. I gave up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to TransUnion that they are reporting XXXX XXXX account as on time in XX/XX/XXXX, then in XX/XX/XXXX they are reporting 90 day late, XX/XX/XXXX as 120 day late, XXXX and XXXX of XXXX as 120 day late each. How can you go from on time to 90 day late, then 120 day late and 120 day late. This is not possible. TransUnion is required to report only accurate information!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a vehicle loan with XXXX XXXX XXXX that was taken in XXXX. It has been XXXX months and the loan does not appear in my credit reports. I called them and they say they have reported and it's not a problem on their end.
Product: Debt collection

i keep receiving phone calls from XXXX claiming to be ERC collections wanting me to pay about {$1200.00} for a phone bill from XXXXXXXX XXXX XXXX i have never had a account with XXXX XXXX XXXX and when i call XXXX XXXX XXXX they tell me that i do not owe them any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i sent ceryified letters to all XXXX  credit bureaus disputing several inaccuracies on my reports ( I'm a victim of idenity theft since XXXX ) and wanting proof of any verification. I got no responce. Then on XX/XX/XXXX i sent XXXX more certified letters to all XXXX  credit bureaus about why i recieved no responce and it was well past thirty days. As of today i still havent recieved a responce or any verifications for any of it i am uploading these letters. I need these accounts removed because i am trying to purchase a home for my son and i. Thank you
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 XXXX Account Number : 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.