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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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: Student loan

In XX/XX/XXXX I submitted my annual IDR recertification along with providing tax records for income verification. Starting in XX/XX/XXXX I started receiving notices of payment due under a standard repayment plan. I contacted Mohela and was told my loans would be reinstated to my IDR plan. In XX/XX/XXXX I again received notice of payment due under a standard plan. I contacted Mohela on XX/XX/XXXX to inquire why my IDR plan was not reinstated and was this time told my XX/XX/XXXX recertification was denied due to supporting documents being greater than 90 days old. The supporting documents were my tax records pulled directly from the IRS and provided to Mohela. I was never notified of this denial until the phone call on XX/XX/XXXX. Mohela mishandled my annual recertification and has caused my loans to be removed from an IDR plan, which is also disrupting my PSLF payment count. This needs to be resolved to restore my IDR plan dating back to XX/XX/XXXX, as I completed the required process and Mohela did not do their part correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request 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 XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Balance : {$210.00} ; XXXX XXXX XXXX : {$3900.00} ; XXXX XXXX XXXX : {$470.00} ; XXXX XXXX XXXXXXXX Balance XXXX {$880.00} ; XXXXXXXX XXXX XXXXXXXX Balance XXXX {$730.00} ; XXXX XXXX XXXXXXXX Balance XXXX {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7600.00}.
Product: Checking or savings account

I am the executor for an estate. I've been attempting to retrieve the contents of a safe deposit box for some time. I've provided the information requested, but I am unable to get the bank to cooperate and hand over the safe deposit box contents. I provided updated letters from the court as requested, but the still will not respond. I've also had a XXXX way conversation with Bank and my attorney on XX/XX/2024 which has not yielded satisfactory results. TD BANK XXXX XXXX XXXX has stalled this process.
Product: Mortgage

good faith estimate changed 3 times and interest changed right before closing. My funds to close went from XXXX-XXXX then to finally close with the total needed XXXX need to know why on a low money down loan with 6 % seller assist I needed that much money to close and why I did not get credit for the appraisal I paid for when I was told that I would. I feel that Quicken loans overcharged me by XXXX and changed my interest rate from 3.85 to 4.125 when they claimed the lock in had expired. This loan was a nightmare to close and almost cost me the sale of my mobile home and the purchase of this house in the process.
Product: Credit card or prepaid card

Lowes Credit Card. 
Back in XXXX XXXX XXXX I was late with a payment because I never received the bill. On XXXX XXXX XXXX  I called to see if they would waive the late fee of {$40.00} which they did. Since this date, the {$40.00} was never removed and it is accruing interest of {$2.00} each month. In XXXX XXXX XXXX, I called them and they refunded {$40.00} plus {$4.00} and then charged me another {$2.00} for XXXX and XXXX. I called again in XXXX and only refunded me {$2.00} on XX/XX/XXXX and charged me another {$2.00} on XX/XX/XXXX. On XX/XX/XXXX, I spoke with an account manager, XXXX who assured me this would be taken care instead they deducted the {$44.00} plus {$6.00}, and then re-added the {$44.00} on the same day I called and another {$2.00} on XX/XX/XXXX. In XXXX, I spoke with another account manager, XXXX, and also assured me that this error would be corrected. As of today, I received the XXXX statement and they deducted the {$44.00} plus {$2.00} but it is still being carried on my account summary and accruing interest. No interest and no late fee should be showing on my account summary nor should it be on the bill since they waived it in XXXX of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was searching for a home loan and they added all of them lowing my score to were I dont get the loan now they are to combined home loan inquiries if between a setan time and they didnt and refused to fix it because they told me they are a privately owned company and the government cant do nothing about it so I tried to dispute them because some of the hard inquires the companies said they do nothing by there policy I have to contact the credit reporting agency to dispute so now the credit reporting agency said they will do nothing and now I ma blocked from writing calling and online disputing or any information and I have proof of everything. And some inquirers when you call them there number is disconnected then I called the credit reporting agency and they said they dont care. 
I cant attach any information because its all online and when you try to print it the credit reporting agency 's web page errors out
Product: Debt collection

After receiving a call for the first time, was told they called me XXXX times however never sent me anything by mail so it was the first time I was hearing no messages on voicemail nothing. I was asked for my banking info to pay the debt, I refused and asked for documentation of this debt to make a settlement or payment arrangement. I was told I would receive it that day two weeks went by and nothing. Today I received another call the caller was intimidating and threatening to take action and judgement against me and he could n't send me anything because the law did not allow. I know this to not be true as I have settled a few account with collection agencies. I demanded to speak to a manager who then told me he could email me something pertaining to arrangements I would like to make to pay this debt off, but as soon as I received it there is no letterhead, no signature name. This just seems really odd and suspicious to me.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to Equifaxs repeated mishandling of my credit report. Previously, fraudulent accounts tied to identity theft were removed after I provided an FTC Identity Theft Report. However, these accounts have since reappeared, along with accounts for which I was only an authorized user and not financially responsible. Despite providing sufficient evidence, this issue persists, severely damaging my credit score, dropping it from XXXX to XXXX. 

I am attaching my FTC Identity Theft Report and Equifaxs prior correspondence confirming the removal of these accounts. Under FCRA guidelines, I am requesting Equifax permanently delete these accounts and ensure they do not reappear. Their failure to maintain accurate reporting has caused unnecessary stress and financial hardship. 

I trust the CFPB to address this issue promptly and ensure Equifax complies with the law, protecting my rights as a consumer. 

Attachments : 1. FTC Identity Theft Report 2. Equifaxs letter confirming prior removal of accounts
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/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting 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 Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : 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

I send a request to have the fraud alert removed from all 3 credit bureau but Equifax removed the fraud alert and then send a request to have a fraud alert added to XXXX & XXXX by eletronic notice I did not ask them to do so I have enclosed a letter from Equifax where there admitting that they did this
Product: Mortgage

Since my mortgage was sold to NationStar in XX/XX/XXXX, I've had multiple problems with the way that they have serviced my loan and mis-managed my escrow account. 

In XX/XX/XXXX, I made two large principle payments and gave specific instructions that I did NOT want to pay off my loan until mid-XXXX. Against my instructions, NationStar paid off my loan using escrow funds and refused to send my XXXX real estate tax payment to my county.

Since then I have been begging for a final statement of my mortgage and escrow accounts but NationStar has steadfastly refused to provide either of those documents, even after I filed a complaint with CFPB. CFPB closed my complaint without resolution. 
In XX/XX/XXXX, Nationstar finally admitted that they had botched the posting of several payments and sent me a check for {$710.00}, yet, they continue to refuse to provide any explanation of how they arrived at that amount, how my payments were applied, or how much interest I paid in XXXX. They have also refused to pay interest on the funds that were kept from me for over 7 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information for this account is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

US BANK Credit Card closed XXXX of my credit cards that I havent been using in the last XXXX years which affected my credit score. I have over XXXX years of credit history, NEVER late on any payments, no XXXX.Maintained perfect XXXX cs for XXXX year. Now all of a sudden it drops to fair. Due to the fact that the bank decided to close my Credit card due to an inactivity and my credit score dropped by XXXX points due to that. XXXX points because US bank auto-closed my account ( not me ). 
Please help to restore my excellent XXXX credit score as this is unfair. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT. 
I am XXXX XXXX XXXX and I am writing this complaint myself. There is no third party involved. 
This is a final DEMAND TO COMPLY after multiple previous attempts to resolve this matter. For committing identity theft, violation and deprivation of my privacy, for causing me defamation of character, pain & suffering and for impermissible purposes, I am demanding remedy in the amount of {$3000.00} pursuant to 15 USC 1681n and 15 USC 1681o. I have mailed Equifax this DEMAND TO COMPLY in a letter via certified mail, tracking # XXXX XXXX XXXX XXXX XXXX, along with a copy of my SSN card and my state ID for identity verification purposes. Delivery is expected latest by XX/XX/XXXX. I have attached a copy of said letter. 

After accessing a copy of my consumer credit report from Equifax and noticing fraudulent accounts and information being reported without permissible purpose pursuant to 15 USC 1681b, I mailed Equifax a written dispute in regards to the fraudulent information via certified mail # XXXX XXXX XXXX XXXX XXXX XXXX. It was received on XX/XX/XXXX. 

Since then, Equifax failed to respond to my dispute pursuant to 15 USC 1681i-Procedure in case of disputed accuracy. When I called to ask about a follow up 30 days later, agents stated that there was no dispute on record. Equifax willfully and negligently handled my dispute reporting fraudulent and unverified information and failed to follow up with me via written mail with any update or resolution. Equifaxs violations of 15 USC 1681 and 18 USC 1028A have deprived me of my right to privacy, caused me defamation of character, pain & suffering as well as monetary struggle and marital instability while being a victim of identity theft as defined by 12 CFR 1022.3 ; Identity theft is a fraud committed or attempted using the identifying information of another person without authority.

Equifax is liable to me, the natural person and consumer for {$1000.00} per fraudulent item of information pursuant to 15 USC 1681n and actual damages pursuant to 15 USC 1681o. I have been denied for extensions of consumer credit based on the report furnished by Equifax which has put my family through extreme hardship this past year. I am demanding the deletion of 2 closed charged off accounts, 2 inquiries and 1 collection account immediately and remedy in the non negotiable amount of {$3000.00}. Actual damages amount to a higher amount, {$3000.00} is my settlement offer. Details of deletion demands can be found in the attached Demand for Compliance letter.
Product: Checking or savings account

After closing my account due to fraudulent charges on XX/XX/XXXX, I was told I would receive my lost money in 7-10 business days in the form of a check. As of XX/XX/XXXX I still have not received a check or any forms of communication about the fraudulent charges inquiry. I also have transactions that were refunded via XXXX to this account that I have also not received compensation for. At this point the fraudulent charges total {$72.00} and the refunds via XXXX transactions total XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Equifax informing me that they received information from XXXX XXXX XXXX XXXX that there is a Bankruptcy under case ID XXXX in my name. I check with the Bankruptcy Courts in XXXX Florida and was informed that there is no Bankruptcy being reported under my social security number. 

I'm requesting that XXXX XXXX XXXX XXXX and Equifax remove the information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX account reference # XXXX bankruptcy, has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

the bankruptcy court did not furnish this information to the credit bureaus
Product: Credit card

Company is charging me late fees and interest for an issue that I had talked with them over with last year. The credit card was canceled ( by them ) 2 years prior and yet they still share my info with third party merchants. I already tried canceled with the 3rd party but they are not acting in good faith and now I have an issue with this TD CC. I was told my account was closed so this is not something I was expecting. Now I come to find I have late fees and interest charges. This amount is not much to most but I am currently struggling financially and the credit card company ( TD ) is taking advantage and sharing information on an account ( mine ) that they themselves closed. As it was closed I did not expect to see these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX  XXXX  / XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA. 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 # XXXX Account name XXXX XXXX  : Account XXXX XXXX  has violated my rights. ( List all negative accounts ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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 of convictions of crimes which antedates the repot by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  notified me via email that my dispute was open, however, I was not immediately able to access the dispute and further there is consideration that all three credit report ( s ) are being dispute with knowledge that I have not been able to fully view Equifax Credit Report and the sites only allow limited space to refute information and/or allow a blanket statement. Therefore, I am attaching my full statement as it pertains to the dispute on my credit report ( s ), et al. in addition to my past credit reports that have already been submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't any investigation results.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presumed that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist.. ( please remove this account before I seek litigation for defamation of character ) 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

I have tried to find out why an auto loan is still on my Equifax credit report that was paid off XX/XX/XXXX. The two companies on my Equifax report are XXXX XXXX and XXXX XXXX. I called both companies and neither has a record of the purchase made in XX/XX/XXXX and paid in full in XX/XX/XXXX. The truck was repossessed in XX/XX/XXXX but I quickly paid the past payments and regained it again. When I called Equifax ( twice ) I couldn't pass the security questions so Equifax told me to write a letter with a copy of my driver 's license and social security card which I did. Equifax sent me a copy of my credit report but no explanation as to why this loan is still on my report. So I called again today, waited 30 minutes to get a representative but I couldn't pass the security questions again so they wouldn't help me therefore I can not get any answers. I would like to know if the repossession has kept this loan on my credit report if NOT I want it removed from my report. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion credit bureau with a dispute letter about XXXX accounts that are not mine. I sent a letter and I called them directly. These are not my accounts and I asked them to provide me the original signatures from the companies that are reporting that I owe something. When I called they told me to call the companies but how can I call a company that I don't know and what am I supposed to say? I looked up the FCRA laws and it says that the credit bureau reporting this information must provide the original copy of the contract agreement or anything showing that it is my account. TransUnion keeps telling me to call someone when they are reporting the incorrect information and they will not provide the original contract as requested because there is no contract because I never did any had an account with these companies. Everting I called I get passed around to numerous people and no one will provide any evidence that those are my accounts. They just say call the companies and hang up. I can't call someone I do not know but since they are reporting the incorrect information they should provide some type of evidence or proff other than just saying call someone. 

I sent certified mail on XX/XX/XXXX and when I call they said even though the delivery was confirmed they need 5 days to pick up the mail. When I called back they said call the companies reporting this information but I dont know who they are nor do I have there phone number and would know what to say.
Product: Credit reporting or other personal consumer reports

I have tried to open a XXXX XXXX and a XXXX XXXX account to review my credit report and its always giving me a problem with my information as if I don't exist and honestly it's scary. 
this is my information but please note I will not provide my full SSN only my last XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX employed at XXXXXXXX XXXX XXXX XXXX