23daVinci/CFPB_Complaints huggingface dataset:
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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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.
Product: Mortgage

In the beginning of XXXX, I purchased a home that I planned to renovate and resell. I reached out to XXXXXXXX XXXX XXXXXXXX, XXXX and spoke with a XXXX XXXX. We went over all my qualifications and ran my credit. He came back and said INSTALEND has approved me and I have to begin the process of sending in my personal and business financial information. 

During the process XXXX XXXX of Instalend would ask for several pieces of additional information, and once I turned it in to them, they continually asked for other irrelevant stuff and kept pushing back the funding for no reason. After WEEKS went by and absolutely no word from Instalend, XXXX XXXX and I were baffled because the company just stopped communicating all together. 

Because of their suspicious activity, I looked them up and they have a judgement against them with the SEC. Once I brought this to XXXX XXXX 's attention he told me that they have severed ties with the company. This left me in " Nomads '' land for several weeks because I HEARD ABSOLUTELY NOTHING FROM BOTH SIDES! 

I finally called Instalend and spoke to XXXX and I asked for a refund for the appraisal because they are not going to fund the deal even though they gave a pre-approval and requested TONS of financial information. The guy was EXTREMELY rude and said he will not refund my appraisal fee because he said my credit score did not qualify to do the deal ( which should have been a denial from the beginning ). I asked him, how is that so? You gave a pre-approval, you asked for my financial statements, and THEY HAVE NEVER SENT ME A DENIAL LETTER OR ANY OTHER COMMUNICATION! 

So now I am extremely worried because these guys are shady and they have access to my personal and business information and I have no clue who these guys are. 3 months has passed and till this day I have yet to receive any type of denial letter, follow up letter, refund etc, NOTHING. Not from XXXX XXXX of XXXXXXXX XXXX XXXXXXXX or Instalend.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX had credit limit of {$1700.00} and paid full amount and have {$0.00} balance and don't have XXXX Credit  card anymore. its paid and will like to remove please. reached out to company and still haven't removed from credit reporting agency 's. 

On XX/XX/XXXX had Credit limit of {$1700.00} on YNCB/Belk Credit  card. Balance paid in full and nothing owed. Don't have credit card anymore and will like to have removed from credit report, disputed charge and still haven't been removed from credit reporting agency 's. 

On XX/XX/XXXX opened credit card with XXXX XXXX/XXXX   XXXX  and account is closed and paid of {$81.00}. Will like to have removed from credit reporting agency 's. disputed to have removed off account and still showing on credit. 

On XX/XX/XXXX got an auto loan with XXXX XXXX XXXX XXXX. Made last Payment on XX/XX/XXXX and no longer owe on my car and will like to have removed from credit reporting agency 's. reached out to company and still haven't been removed
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my XXXX credit report on XXXX XXXX2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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.
Product: Mortgage

XXXX  ENCLOSED EVIDENCE OF THE INDUCEMENT OF FRAUD BY CROSSCOUNTRY MORTGAGE, LLC. THIS LOAN ORIGINATOR CONVERTED BY TRES PASS THE AJUSTABLE RATE NOTE INTO A MONEY ORDER BY ENDORSING AN ALLONGE TO NOTE, AND CLAIM INSURANCE, WHICH IS ADDITIONAL FRAUD BY UNFAIR DECEPTIVE BUSINESS PRACTICE, CROSSCOUNTRY MORTGAGE, LLC CLAIMED A FALSE TAX RETURN BY SUBMITTING A FALSE 1098 AND 1099A, THAT IS ATTATCHED TO THE AFFIDAVIT AND MISUSED MY SSN FOR UNJUST ENRICHMENT BENEFIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. XXXX XXXX XXXX XX/XX/2015 {$550.00}, XXXX XXXX XX/XX/2015 {$2800.00}.
Product: Bank account or service

ON XXXX/XXXX/2015 I PURCHASED A KEY POSSIBILITIES PREPAID DEBIT CARD. AT THE KEY BANK IN XXXX, VT. XXXX. 2 HOURS LATER I LOST THE CARD. ORIGINALLY IT HAD {$400.00}. I CALLED THE BANK IMMEDIATELY AND REPORTED IT LOST. I WAS TOLD I HAVE A BALANCE OF {$210.00} AND A CHECK WILL BE MAILED TO ME FOR {$210.00}. TODAY XX/XX/2015 I CALLED KEY BANK AND THEY SAID I HAD A BALANCE OF {$.00}. THEY MADE A ERROR AND AS IT STAND 'S I AM OUT $ XXXX DID THE RIGHT THING AND REPORTED IT LOST. THE CARD NO. IS XXXX. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, VT. XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : XXXX. The following personal information is incorrect DATE OF BIRTH : XXXX XXXX. The following personal information is incorrect CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect CURRENT ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XX/XX/XXXX XXXX. Sample Reason XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Sample Reason XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Sample Reason XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The status is incorrect for the following account XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX  XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby demand that these items be thoroughly investigated and promptly removed from my credit report. It is my understanding that you are required to verify these items with the relevant creditor. I kindly request that any information the creditor is unable to verify be deleted. I am aware that, under 15 U.S.C. Sec. 1681i ( a ), you are obligated to complete this reinvestigation within 30 days of receiving this letter. 

Please send an updated copy of my credit report to the address provided above. According to the law, no fee should be charged for this updated report. Additionally, I would like to request that you notify any recipients of my credit report in the past six months about the corrections made. 

Thank you for your attention and assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my credit reports ( XXXX, XXXX, and XXXX ). The credit report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all three credit bureau agencies because it is making it very difficult for me to acquire credit. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please remove these inquiries from my credit reports immediately.
Product: Student loan

XX/XX/XXXX Greetings, I am writing to request assistance with Navient XXXX XXXX XXXX. I am aware of the recent lawsuit, which I believe and will fully explain why I think we ( my son and me as co-signer ) are eligible for loan forgiveness. My son took out a student loan in XXXX ( disbursement date XXXX/XXXX/XXXX ) in the amount of {$16000.00} to cover tuition at XXXX XXXX University in New Jersey. My son was not able to continue due to serious health issues. He has a XXXX disorder ( XXXX ) which became very severe and difficult to control. As a result, it was extremely difficult to for him to focus as he was having a several XXXX a day, and he could not continue in school ( documentation can be provided ). After a 5 day hospitalization in XXXX, doctors were able to customize his medication and control the XXXX ( documentation can be provided ). During all of this time, he tried to keep up with the loan payments, but the monthly amount was prohibitive. In XXXX, he requested a lower monthly payment. Navient refused, and advised him to go into forbearance for 18 months, not explaining that the interest would continue to accrue, a practice I know is unethical and covered under the lawsuit. This has now resulted in a balance larger than the initial loan amount. 
I have written to Navient several times since XX/XX/XXXX. They have not responded to my request, and also refuse to release me as co-signer, indicating that I have to provide proof of program completion. As explained above, my son could not continue school due to medical issues, and was unable to complete his program. 
Yesterday ( XX/XX/XXXX ), we found out that Navient has reported both of us to the credit bureaus, which has seriously negatively impacted our credit score. I have written to Navient many times, and have reported this to several agencies, but no one has helped. I write today to desperately request your assistance. The loan information is below :
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX # XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was never late. Thanks. 

In accordance to the fair credit reporting ( FCRA ) act Experian has violated my rights in pursuant to 15 USC 1681 section 602 A states I have the right to privacy. Also violated 15 USC 1681 section 604 A section 2, states a consumer reporting agency can not furnish an account without my written or oral consent/instructions. The FCRA is a federal law that regulates credit reporting agencies and compels them to insure the information they gather and distribute is fair and accurate. Experian is inconsistent with several accounts across the three credit reporting agencies and the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I disputed the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX , XXXX, & Transunion and they have yet to respond in the time allowed by the FCRA. Transunion, XXXX, & XXXX are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( 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 XXXX XXXX XXXX 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/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 OF XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXXXXXX XX/XX/XXXX : XXXX XXXX XXXX XXXXXX/XX/XXXX :
Product: Vehicle loan or lease

A used car that was being financed by Capital one with perfect payment history was totaled out. My Gap insurnace provider XXXX XXXX did not pay the remainder of the car loan due to COVID 19. Capital one charged my account balanced off. The balance was paid in full by me. This is reporting as a charge off. This is incorrect. Due to COVID the due process for the loan repayment process was not followe correctly.
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 items : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters in writing asking for corrections on my credit report with Equifax. I have ask Equifax to remove address that are obsolete and incorrect. I have asked Equifax to correct the information regarding my address and employment information. I am not self-employed or retired. I am XXXX  XXXX and have been for over 10 years now. I have sent proof that I have had identity theft and I I have not received any updated letter or email correction of that information. I am login to the my.equifax.com website with out receiving an error message several times before being able to reach my report screen. I have only been able to reach a customer service representative once early this year in XXXX or XX/XX/2020. I have been disputing information the information on my credit report via online and in writing for seven months and they only keep returning that the information is valid and not removed the incorrect information. They have not provided any variable information to me only an update online when I am able to get to my report screen.
Product: Credit reporting or other personal consumer reports

Barclays Bank reported a 30 day late payment to the 3 major credit bureaus XXXX XXXX and XXXX for the month of XXXX of XXXX. Since XXXX of XXXX I was XXXX  due to a terrible car accident which my wallet was lost and stolen. Due to my wallet being stolen my social security number along with all my credit card were compromised and used. There were fraudulent transactions that were done on my Barclays rewards card from XX/XX/XXXX up until XX/XX/XXXX. I have recently been XXXX a couple weeks now and I have disputed all the fraud transactions. Due the fraud transactions I should not be held responsible for the 30 day late payment and Barclays should remove it because I did not once get a fraud alert that my discover card was being used without my knowledge. Barclays Bank failed to report fraud transactions to me which resulted in the account to go 30 days past due and report to the bureaus. If this issue is not resolved and the 30 day late payment is not removed from my credit reports I will be filing a law suit against Barclays Bank in the small courts claim where I have all proof to show Barclays Bank is breaking FCRA laws. I have been with Barclays Bank since XXXX that is 12 years! and I have never had an issue such as this. Please resolve this problem in a timely manner. Thank you!
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$3100.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - late/Closed XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2900.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$24000.00} - Late/Open XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3700.00} - Late/Open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 the following companies made inquires into my credit without my permission. 

Wells Fargo XXXX XXXX XXXX
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 Account XXXX has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 

The issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

The ONLY time Experian responded to my request was to delete and address that I never lived at and they made sure to do nothing else. 
ALL my other complaints just linger. They put out an email stating their investigation has been completed and of course they ALWAYS find themselves in the right. However they can not be bothered to even do that instead they have a shoddy robot spit emails out almost the instant they " receive '' a complaint. They not only refuse to adjust my credit score back to it's XXXX where it rightfully belongs since in no way whatsoever did I do anything " wrong ''. Not only do they refuse to address just why XXXX has so much power but they removed the request for credit which was the cause of my drop in score yet they refuse anything has happened and their only response has been to the erroneous address and nothing else. Why don't you do something about these awful corporations who are a threat to us all?