23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Years ago I permanently opted out of credit card offers with the Opt-out toll free number provided by the XXXX XXXX credit bureaus. My home mail is frequently misdirected and I do not want to give identity thieves any opportunity. American Express has been sending promotional offers for the past XXXX months to my home. I have called them repeatedly demanding that they quit, and I have marked the junk as refused and sent it back. Nothing seems to work. They are sending it addressed to my business name ( not my personal name ), but my home address. By business is separate from my home address, XXXX miles from my home. This seems to be some loophole the big junk mailers can use to get around the OPT OUT law. Simply don't address it to the individual name and you can XXXX XXXX their home address. I have told all clients that I no longer accept American Express cards, so they have all changed their payment methods. That is the only power I have when dealing with American Express. Still the junk XXXX continues. XXXX mostly.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX - XXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Opened the platinum checking account on XX/XX/XXXX in branch. The banker assured me that once the requirement completed. I will receive the {$400.00} bonus. Received a direct deposit of $ 1,000+ within 60 days of account opening. Already contacted the customer service. The {$400.00} bonus has not been posted yet. I do received an offer code XXXX.
Product: Mortgage

The have had an incorrect Deed - and have been sending me correspondence for 6 years with my Ex Wifes name on it even though she is no longer on the deed or mortgage. Ice send numerous emails over the past few years. Hours upon hours of my time over numerous occasions.. I have emails to support this - no one ever helped Id speak to someone and then nothing would change.. I called again and again and again - 6 years. 
We got a forbearance and Im XXXX were sent documents for a partial claim to resume our mortgage payments. The ex wifes name still on there - I called at least five times since then to fix this - being promised every time it would get resolved. I always call back because I never hear back from them. They didnt fix the problem in time for the partial claim window and now Ive received foreclosure papers for the end of the month. I dont know what else to do. They dont seem to be able to fix the problem and Ive had multiple people not know how to read a deed including supervisors. Please help
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the continued inaccurate reporting of late open accounts on my credit report, despite multiple attempts to correct this issue. This ongoing error is causing significant harm to my creditworthiness and financial well-being. I respectfully request your immediate attention and resolution to this matter. 

I first identified this discrepancy on my credit report. Despite my consistent and timely payments for these accounts since their inception, they have been inaccurately reported as late, negatively affecting my credit score. 

My attempts to rectify this issue have been as follows : I submitted a written dispute to Credit Bureaus, outlining the incorrect reporting of late payments and providing all relevant documents as evidence of my timely payments, including bank statements and payment records. 

I followed up with [ Credit Bureau Name ] via phone to inquire about the status of the investigation and the correction of the late payment reporting. I was informed that an investigation was underway. 

As the late open accounts continued to be inaccurately reported, I sent a second dispute letter on [ Date of Second Dispute ], reiterating my concerns and emphasizing the urgency of resolving this issue. 

To date, I have not received any response or resolution regarding the correction of the late open accounts on my credit report. 

The ongoing presence of these inaccuracies is causing severe harm to my creditworthiness and financial stability. I kindly request that Credit Bureaus conducts a thorough investigation into this matter and promptly corrects the erroneous reporting of late payments on my credit report. 

Enclosed with this letter, please find copies of all relevant documents, including : Copies of my dispute letters and correspondence with Credit Bureaus Bank statements and payment records demonstrating timely payments Any other supporting documentation I request that Credit Bureaus investigates this matter promptly and provides me with a written response within 30 days, in accordance with the Fair Credit Reporting Act ( FCRA ). If the investigation confirms the error, please ensure the immediate correction of my credit report. Kindly help me correct these late open accounts : XXXX  XXXX XXXX Balance Owed : {$2100.00} ; XXXX  XXXX XXXX Balance Owed : {$1000.00}.
Product: Mortgage

I loss my home due to a fire XX/XX/2020, I sent a insurance check to PHH Mortgage XX/XX/2020. the loan has been paid in full since XX/XX/2020. the refund amount owed to me is {$84000.00}, and they are yet to release the balance. They have lied to me left me on hold promise to call me back and they can not give me a competent answer on why they have not released my funds. I was suppose to close on my new home XX/XX/2020 at XXXX, however I can not because they are still holding on to the funds. I am staying at a hotel that XXXX XXXX XXXX is paying for.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting Act, this creditor Experian, and XXXX has violated my rights Under 15 UCC 1681 section 602 states that I have the right to privacy. 15 USC 1681-section 604a- section 2 states that a consumer reporting agency can not furnish an account without my written instructions. under 15 USC-1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Checking or savings account

The entire balance and debt I owed Bank of America was discharged under Chapter XXXX by the United States District Court-District of Minnesota on XX/XX/2020. Bank of America received a copy of my bankruptcy discharge notice. Bank of America is violating The Equal Credit Opportunity Act ( ECOA ) by discriminating against me, by not allowing me to open up a Bank of America checking account.
Product: Debt collection

I have been fighting Student Loan Collection company National Recoveries for years, I have asked for proof of the loan, because I didn't sign for a loan. They have bullied me into making payment to keep from garnishing my wages, and now have sent a garnishment letter. If they garnish my wages, it will cause extreme financial difficulty, as I am caring for a child  and my wife who can not work at this time. We barely make ends meet. I was told to contact you.
Product: Mortgage

Ditech refuses to remove my PMI, although they say I am eligible if my home appraised differently. I have spent 9 months ask them to remove it based on an appraisal ordered by DITECH in late XX/XX/2017. That appraisal was XXXX. The market is hot & Ive added an additional floor of finished space since then. Finally, very apologetically, XXXX XXXX, a lawyer for them sent out another appraiser. Suddenly, my house is worth 280k. I have NEVER made a late payment, my mortgage balance is around 26Ok. 
They agreed ( via emails ) I have that the appraisal was strange and reestimated in their PMI Dept ( I think they just guessed ) that it was worth XXXX. Oddly, still not enough to remove PMI. 
At this point, I have paid 280 $ a month for 8 months of asking for it to be removed. I have all emails and both appraisals in hand. Im very upset. This is like a bunch of bullies robbing me, because they can. I cant refuse to pay. They are taking advantage of someone who cares about their credit. 
Please help. I dont know where to turn. 
Thank you.
Product: Student loan

I have a lone through Navient this loan is a XXXX XXXX XXXX. The loan is over {$100000.00} Even though the loan is in my name my son pays it monthly. he can only afford to pay the very minimum which is {$680.00} monthly. He has been steadily paying for two years. The loan keeps going up. Last year in XX/XX/XXXX it was at {$100000.00}. Now it is up to the {$100000.00}. This is completely insane. The loan is now almost double what his actually education cost. At this rate he will never be able to pay it off. We are looking to resolve this. There needs to be a light at the end of the tunnel. In two years he has paid {$16000.00}. When my son signed applied for the school we were told we had to apply for a XXXX XXXX XXXX to assist with the cost of the school. I had know idea that it would be this costly. This is a racket. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX loan trade line on my Transunion credit report needs to be removed from my credit report. It is an illegal loan in the state that I reside in ( Indiana ). The XXXX   XXXX XXXX is not a licensed consumer loan, small loan, or payday loan lender thru the Indiana Department of Financial Institutions. Any loan that is originated in the state of Indiana without the proper Indiana loan license are to be considered null and void, and as a result, are uncollectable. 

I have attached the Cease and Desist Letter that the Indiana State of Indiana Department of Financial Institutions has posted on their public website XXXX. I have also attached the list of the 30 licensed small loan lenders for the state of Indiana that shows XXXX XXXX XXXX does not have a license to lend in Indiana. 
Please remove the trade line on my credit report from XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries from XXXX XXXX XXXX XXXX XXXX  Both XXXX XXXX Explicit written consent was not given to these entities to run my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX CARD XXXX XX/XX/XXXX XXXX CARD XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized and fraudulent accounts that has been opened in my name. I recently discovered these fraudulent accounts on my credit report and upon further investigation, it is evident that these accounts were opened without my knowledge or consent. Below are the details of the fraudulent account : Account Type : XXXX XXXX XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Account Type : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Account Type : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX I reviewed my credit report and noticed the presence of an account that I did not recognize. Upon further investigation, it became clear that these accounts were fraudulently opened in my name. I have never applied for any accounts and I have no association with these account whatsoever. In light of this fraudulent activity, I am requesting the following actions be taken immediately : Remove the account from my credit report : Ensure that this fraudulent account is removed from my credit report with all major credit bureaus. To assist in your investigation, I have attached the following documents : A copy of my identity theft report from the FTC. A copy of the police report. A copy of my driver 's license or government-issued ID. Please consider this matter with the utmost urgency. The fraudulent account is negatively impacting my credit score and causing significant distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. XXXX XXXX  XXXX, XXXX XXXX. I have contacted the FTC and my local police and I am doing this all on my own. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX.
Product: Debt collection

I noticed an account that appeared on my credit report earlier this year from XXXX XXXX XXXX XXXX XXXX XXXX it was listed as a collection from XXXX for nearly {$1600.00}. I haven't had an account with XXXX for nearly 6 years and when I closed my account I didn't have a balance this high. I have attempted to dispute this amount with the credit bureaus because I do believe this information is not correct but they have been unable to help me.
Product: Student loan

I want to file a complaint against Great Lakes Loans servicer ( mygreatlakes.org ). I paid on my school loan during the COVID pause even when I didnt have to from XX/XX/XXXX all the way up to early XX/XX/XXXX of this year. I learned in late XXXX of this year that per the Covid CARES Act I could request a refund for the payments I made during that period so I jumped on that ASAP. 

On XX/XX/XXXX I called and requested a refund with Great Lakes Loans. The man l spoke to on the phone told me I was eligible for at least $ XXXX back and he told me my refund should be processed and available in my bank account in about 30-40 days. Once we got off the phone I waited and after that time period had passed I still didnt see any changes on my account with them ( not even a balance update ) so I called again to make sure my refund request went through and this time they told me Id have to wait 60 days. 

As of today ( XX/XX/XXXX ) its been at least 60 days now and I still dont even have a balance update on my account with them. Im losing patience because it doesnt seem like my request is actually getting processed and the White House just released the Student Loan Forgiveness Application ( and Ive been holding off on applying because my student loan account still hasnt been updated ). Online Im seeing a lot of people who applied for a refund with Great Lakes Loans in XXXX and XXXX getting their refunds way earlier than me while Ive been trying to be patient this whole time. Please help me speed up this process with my account so that I can finally apply to the Student Loan Forgiveness program before its too late. Great Lakes Loans customer support has been useless and I dont know what else to do
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is wrong and previous addresses are not mine this is the second attempt to correct
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting two addresses I never lived at and would like removed from my file. XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX I never lived at and XXXX XXXX XXXX XXXX XXXX New York XXXX
Product: Credit reporting or other personal consumer reports

I had contacted XXXX in a letter sometime at the end of last year 2023. 
I asked that if I have the Bankruptcy on my credit report, it always states that if you have rebuilt your credit, and everything is good and if you are getting close to the 10 years of it on your record, they could remove it due to your credit history. 

My credit is good, and I only have 8 more months to go and asked if it could be removed. Well I am still waiting and have no answer. 

This proves that people can become over burden with debt and mine was due to medical expense. 

I feel as good as my credit is now, would 8 months be that concerning for them not to remove it?????
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report on XX/XX/XXXX, and identified several hard inquiries that appear to lack a permissible purpose under the law. I have attached evidence to support my findings. XXXX. XXXX XXXX 's XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX XXXX.
Product: Mortgage

REQUESTING COPIES OF ALL PAYMENTS APPLIED TO XXXX XXXX XXXX XXXX XXXX. GA XXXX XXXX XXXX ALSO REQUESTING COPIES OF ALL DOCUMENTS PERTAINING TO THE ABOVE ADDRESS
Product: Debt collection

I am not liable for this collection on showing on my credit report. I am a victim of identity theft and need this collection REMOVED. I never paid on this collection because I didnt recognize this account. I have no knowledge of this account. Please remove immediately. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX Amount : {$980.00}
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Compliance with Federal and Texas FCRA Identity Theft Laws Dear LVNV, I am writing to address the unauthorized reporting of information to my credit report, in clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Texas identity theft and finance laws. This unauthorized action by LVNV has been executed without my explicit consent, directly violating Section 1681b ( a ) ( 2 ) of the FCRA, Sections 392.301 and 392.305 of the Texas Finance Code, and the Texas Penal Code Section 32.51 on identity theft.

Under federal law, Section 1681b ( a ) ( 2 ) of the FCRA mandates that consumer consent is a non-negotiable requirement for any entity reporting information to a credit bureau. Texas state law aligns with these protections, with Section 392.301 of the Texas Finance Code reinforcing the necessity of consumer authorization in all reporting actions, while Section 392.305 further delineates the standards for lawful credit reporting practices. Moreover, Texas Penal Code Section 32.51 underscores the criminal implications of unauthorized access and misuse of personal information, marking this as a serious offense under state identity theft statutes.

I firmly assert that I have not given consent for LVNV to report any information to my credit profile, making this unauthorized reporting a blatant violation of my rights. Such disregard for legal standards has not only compromised my credit integrity but also exposed LVNV to accountability under both federal and Texas laws.

I am demanding the immediate cessation of any further reporting activity by LVNV to my credit report. LVNV must comply with federal and Texas statutes requiring explicit consumer consent, as stated under Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Should there be failure to address this within the required 30-day period, I will interpret this as deliberate noncompliance, subject to legal penalties, including those outlined in Texas identity theft laws.

Consent is not discretionary in these mattersit is a legal obligation. I expect LVNV to act in strict adherence to these laws and to uphold my rights as a consumer protected under federal and Texas law.
Product: Credit reporting or other personal consumer reports

I sent dispute letter XX/XX/year> about deletion of XXXX XXXX still reporting on my credit report. The loan/lease is paid in full on XX/XX/year>. I have title to vehicle and verified letter of ownership. Attach included. I received letter from XXXX XXXX stating that I do not have enough information for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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  XX/XX/XXXX