23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I purchased a condo in XXXX of XXXX using a VA loan. By the end of XXXX, the tax appraisal office had still not divided the lot into each individual unit. When my mortgage company received the parcel from the tax office they proceeded to hold me liable for the entirety of the property taxes of the lot even though the parcel received still had the builder listed as the owner and not myself. I was aware that the condo was still listed under the builder and contacted the tax office months in advance. They assured me that once my lender received the parcel with the builder 's information listed as the owner, they would not attempt to collect any of the taxes from me. As the end of XXXX approached I noticed that my payment in XXXX of XXXX was raised from {$2100.00} to {$7200.00}. I contacted my lender and was told that this is what the tax office had alerted them to do. My lender stated that the tax office had my name listed as the owner for the entire lot. I submitted the tax statement to my lender that is available to the public because it lists the builder as the owner and not myself, but I was told that this would not be accepted as proper supporting documentation and that on the XXXX of XXXX I would be automatically billed for the {$7200.00}. I immediately contacted my loan officer that helped me close and he sent me to voicemail, texted me he was busy, and then never returned my phone calls. I was forced to contact my bank to place a stop payment in effect. I spoke to my lender 's customer service center several times and was told repeatedly that there was nothing that could be done and that the only thing that would change this was if the tax appraisal office contacted them directly. Because it was so close to the new year, the tax office had closed early. When they opened after the new year I went in person and was told that there was no supporting documentation that they could provide as the tax statement that I had already submitted to my lender should have been enough. I contacted my lender 's customer service center again and was finally able to speak to a supervisor who informed me that they had in fact made the initial mistake by holding me liable when the parcel they received from the tax office clearly had the builder as the owner. Because of the error that they made, I have been billed {$7200.00} for the month of XXXX and XXXX of XXXX, which I can not afford. I am furious that I spoke to several representatives that explained to me that I was wrong and that nothing could be done and that my loan officer failed to ever make contact with me. It took days of communicating with my lender before a representative finally admitted fault. Attached below is the tax statement that was received by my lender, which clearly shows XXXX Lots as the responsible party and not myself. This is a gross error in which the blame was redirected toward myself several times.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 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 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: Student loan

I had student loans from the 1990 's. I believe I was steered into costly forbearances, instead of income based repayment plans. I have been denied loan forgiveness, despite having worked for the XXXX XXXX for 14 years. Additionally, please find the uploaded document about money taken by Sallie Mae, Navient, XXXX. Despite having paid $ XXXX ( approximately ), I have had {$0.00} applied to the principal. My loans have now been passed off to XXXX to the tune of {$220000.00}.
Product: Credit card

my account has been closed and paid out and ive been waiting for it to be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX : {$81000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX  XXXX Balance : {$250.00} XXXX XXXX Balance : {$190.00} XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card

On XXXX I went to JcPenney and while checking out, the cashier asked if I wanted to apply for a credit card. I specifically asked if it would be a hard inquiry or soft inquiry but I did not get a response and she ran my information without my knowledge. I did not receive any paperwork or a denial or approval for the credit card. After not receiving anything in the mail, I returned to JcPenney and asked for a brochure outlining the terms and conditions of their store credit and I was given a brochure in Spanish. I do not speak Spanish and did not understand what I was given. I reviewed my credit report and it shows as a hard inquiry. I want them to correct this inquiry by removing it from my report as I was not made aware that it would impact my credit score.
Product: Debt or credit management

This company bought my information from XXXX XXXX XXXX and I did not give the credit card service provider any permission to sale my information. XXXX XXXX XXXX has wrote it off and insurance paid for it. There's no reason to sale. I checked the box do not sell my information while applying
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer report and noticed a charge off from XXXX  XXXX the open and close dates are different across all accounts the dates will be provided in attachment. The information has not been verified and it has not been permitted by me nor does it have a signature to be placed on their platform below I will send you a printout of the account on my report showing all the wrong information and is completely inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Breaking federal law by not using my identity theft report to remove fraudulent items from my credit report
Product: Student loan

Loan provider Navient keeps removing address from their records. This results in not receiving the monthly bill and the servicer then charging late fees and negatively affecting my credit.
Product: Debt collection

I sent a written request to XXXX XXXX at : UNITED CREDIT & COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX Requesting proof that I am legally liable for the debt listed below ; and they have the legal right to collect from me. I haven't received any type of documentation from this debt collector. 

UNITED CREDIT & COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, MO XXXX ( XXXX ) XXXX United Credit & Collecti Opened XX/XX/2013 {$1300.00} Original creditor : XXXX XXXX XXXX   After UNITED CREDIT & COLLECTIONS did not answer my request I submitted a dispute to the three major credit reporting agencies. XXXX and XXXXXXXX removed the info from my CBR permanently. XXXX removed the info then added it back to my CBR after a couple months.
Product: Credit card or prepaid card

Capital One denied an application dated XX/XX/19 that I never even applied for this account and it says I have to wait 90 days to reapply. But I never even applied. 

Application ID : XXXX
Product: Vehicle loan or lease

when i check my credit report you guys are saying my monthly payments are {$370.00} but then you are making me pay {$390.00} please update my payments to the right amount.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/2024 Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX . I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payment for XX/XX/2024 was made on time, which falls well within XXXX 's 15-day grace period. The payment was not 30 days late, and therefore, it should not have been reported as such. 
Clerical error by XXXX : The creditor processed my payment on time, but due to an internal system error, the payment was incorrectly marked as late. This caused an inaccurate 30-day late report to the credit bureaus, despite timely payment.

Evidence provided : I have attached the bank statements and payment confirmation emails, which clearly show that the payment was processed on time. This evidence confirms that no delinquency occurred.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting on unauthorized inquiry my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Yo offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You hav transferred, possessed, or used, without lawful authority, a means of identification Is a felony punishable with Lip to 2 years of imprisonment, in addition to civil liability By obtaining my CREDIT BUREAU consumer credit report on DATE Without my permission or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( 'FCRA '' ) codified at 15 U.S.C XXXX XXXX XXXX XXXX XXXX  ( XXXX. XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my consumer report, I have found that there are fraudulent items listed. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following fraudulent items I wish to dispute on my credit report : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. By Federal law you are requested to list complete accurate information and you are listing XXXX fraudulent items. I have never lived at the properties listed. I have lived at my current apartment for over XXXX years. I have attached a copy of my Identity Theft report, State ID and social Security Card.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I purchased a program from XXXX XXXX XXXX XXXX for {$6500.00} using Klarnas 24-month payment plan. Shortly after the purchase, I realized the merchant had failed to disclose their strict no refunds policy or terms and conditions prior to the transaction. Facing unexpected financial hardship, including a burst pipe in my home, I contacted the merchant within 12 hours to request a cancellation and refund. The merchant refused to cancel the transaction, citing terms that were only provided after my purchase. 

I filed a dispute with Klarna, explaining that my issue was not about the product being delivered, but about the merchants lack of upfront transparency regarding their refund policy and terms. However, Klarna misrepresented my dispute as order not received and denied my claim based on evidence that the product was delivered to my emailsomething I never disputed. 

Despite multiple attempts to clarify the actual issue, Klarna continued to ignore the evidence I submitted, and their decision failed to address the merchants unfair practices. This mishandling of my dispute has caused significant financial strain, as I am now responsible for the full amount of the payment plan, along with unexpected additional costs for van repairs and home maintenance.

I am requesting that Klarna reopen my dispute, review the evidence under the correct context ( lack of disclosure and refund refusal ), and grant a refund of {$6500.00}. I also request that Klarna improve its dispute resolution process to ensure disputes are properly categorized and reviewed fairly.
Product: Student loan

Repayment on my private student loan with Navient was supposed to start repayment on XX/XX/2009 ( date found on Navient current website ) but I never received any notice that it was in repayment until after it was in default. The only way I found out that it was in default was through my credit report. I received no letters, phone calls, emails, nothing and neither did my co signer. On a {$15000.00} loan, I now owe {$43000.00}.
Product: Credit reporting, credit repair services, 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 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, 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 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: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute for a Bankruptcy listed on my credit report and asked Experian to verify the public record. Experian has not verified how this was verified. Lastly, I received a letter from United States Bankruptcy Court-XXXX XXXX of Illinois confirming what I thought- they do not verify or provide any personal information. I am requesting that if Experian can not show how they verified this public record Remove this entry from my credit report.
Product: Money transfer, virtual currency, or money service

I transfered amount of money to international. When i fill the form they just showed that i have to pay {$25.00} for the transfer fee. But when the amount of money come to my recipient 's bank they told that when we fill the form we choose the sharing fee with the recipient. But i didn't do that. Why the recipient 's bank told that to recipient? What happened with my amount of money?
Product: Student loan

Applied to consolidate loans through Aidvantage for the sole purpose of qualifying for XXXX. Aidvantage has processed the consolidation with higher interest rates but applied an Equal payment plan. This is not acceptable and resulted in higher payments than I had before consolidation, while I qualify for XXXX. I need this applied before payments resume and the person on the phone couldnt really give me any solid information and said I can wait to call back.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX continue to report my information incorrectly. My name is XXXX XXXX and my only address is XXXX XXXX XXXX XXXX XXXX  XXXX there should be no other names or addresses listed on my report. I have provided all required documents to the consumer agencies to verify this information.
Product: Money transfer, virtual currency, or money service

A last month rent/damage deposit refund of {$7100.00} e-mail for my condo tenant was hacked. Rather than to refund by check but was requested wire transfer instead. Wire transfer was completed. 

Event happened on XX/XX/XXXX to XX/XX/2023 Please see the attached e-mail trails for the event details.
Product: Student loan

I called on XX/XX/year> to request information about student loan discharge. I shared that as part of the Department of Education discharge for loans taken out for my time at XXXX XXXX XXXXXXXX, I would request a loan discharge for the private loans I had to take out with Sofi. They told me they do not support a student loan discharge based on these reasons, only for those that are totally XXXX. I shared that I am not looking for a refund, just a discharge of my remaining loans on the account since it is still a hefty sum that I still need to pay off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim 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. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 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

In 2015, I ordered workout items from XXXX. They offered to open a account. I accepted. XXXX later sold the account to XXXX. 
They sent a credit card from their bank. I refused the card and paid the account off to XXXX. The Bank continued to send statements and enrolled me in their VIP program for {$14.00} a month. I immediately called XXXX to cancel this card and program again. XXXX continued sending bills and adding extra charges. Their card was never activated. I refused to pay. Never signed for their card ; This seems to be a rip-off, and much like XXXX XXXX was convicted of, to open new accounts. In the mean time since I refused to pay these VIP charges, they turned this account over to a collection agency : XXXX XXXX. They continue to hassall my family with no documentation, which I have requested from XXXX, since that is where this account originated. They refused to help since they sold the account to XXXX. In the mean time they have reported to have this placed on our credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX XXXX XXXX : {$1700.00} KIKOFF XXXX Balance : {$60.00} XXXX XXXX Balance : {$9900.00} XXXX XXXX XXXX XXXX Balance {$350.00} XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car in XXXX from XXXX XXXX, in XX/XX/XXXX it was totaled in a accident, and I was rushed to the XXXX center. I was in the XXXX center at XXXX in XXXX XXXX for my XXXX  XXXX from XXXX to XXXX. The car was paid off, through me gap, and my insruance company XXXX XXXX. Payments were made on time, and the account was closed paid as agreed. XXXX sent me a letter stating they were going to update the credit compines, they did then XXXX added 30 days late 60 days late 90 days late. I have proof from XXXX stating they reported no days late.