23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX is reporting inaccurate student loans on my credit profile. I have addressed this issue with them on numerous of occasions and they are refusing to resolve this isssue. This matter is causing my credit to plummet and I am being denying for everything Im applying because of transunion and XXXX inaccurate reporting. Below I have attached proof that transunion and XXXX are reporting inaccuracies across the board on serval student loan accounts. Transunion, XXXX, and XXXX is also reporting. Transunion and XXXX are reporting different account status, date opened, last reported, comments, and date last active on all the student loan accounts in question. There is also a duplicate account for each student loan account, the duplicate accounts are reporting a different high limit under the same account number. The XXXX credit bureaus are falsely claiming the accounts meets FCRA guidelines but they clearly DO NOT. FCRA website states that all information on accounts must be the same across the board and must meet FCRA guidelines. XXXX has atleast deleted these inaccuracies and XXXX and transunion must follow suit. I am asking for reputations of {$1000.00} dollars for this violation of my consumer rights. I have attached proof of all accounts and every inaccuracy that the bureaus are reporting.
Product: Credit reporting or other personal consumer reports

I am contacting you as a victim of identity theft and request the immediate blocking and deletion of fraudulent accounts appearing on my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my right to have these specific accounts removed from my credit file, as they were not authorized by me and are a result of identity theft. 
The fraudulent accounts in question are : Accounts to be Deleted : XXXX XXXX XXXX - XXXX - XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XXXX - {$270.00} XXXX XXXX - XXXX XXXX XXXX - {$750.00} XXXX XXXX - XXXX - XXXX XXXX {$5000.00} Inquiries to be Removed : XXXX XXXX XXXX XXXX XXXX XXXX  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: Mortgage

OCWEN was my loan provider in XXXX and XXXX ( loan number XXXX ). In XXXX I purchased new hazard insurance for my house. When I sent OCWEN the documents for this XXXX insurance ( price {$1200.00} ), an OCWEN representative called me to tell me that the insurance had to cover 80 % of the remaining loan amount. Thus, I adjusted the insurance with XXXX to meet OCWEN 's demand ( price {$1400.00} ). My loan was sold to XXXX in XXXX and recently my monthly premium was raised by XXXX. Thus, I went back over my loan information to determine why my rate had increased. What I found out was that OCWEN had taken XXXX the {$1200.00} payment and the {$1400.00} payment from my escrow, which were claimed to be sent in the form of Insurance Disbursement checks to XXXX ( XXXX XXXX XXXX VIRGINIA or XXXX XXXX XXXX XXXX. Interestingly, however, XXXX never received the payment from OCWEN for the {$1200.00}. Therefore, OCWEN took {$1200.00} from my escrow that was not used for insurance and never returned to me or my escrow account. What concerns me is that I believe OCWEN representatives may be doing this to many loan customers, double charging for insurance from the borrowers escrow account and only paying the insurance company once. It would be easy for you to look at some OCWEN customer loans from XXXX and determine if there are a lot of double insurance charges in this year. If there were then I believe this may be a fraudulent activity that OCWEN is involved in.
Product: Checking or savings account

My name is XXXX XXXX I own a XXXX XXXX called XXXX XXXX. I believe Citi bank XXXX discriminated against me. I am a legal business owner I promote events and XXXX XXXX XXXX XXXX XXXXXXXX for a fee. My business account is with XXXXXXXX XXXX  and it is also linked to my personal Citi bank account. I had 2 clients deposit money into my personal account because they are located in Florida and XXXX XXXXXXXX do not have a branch in Florida. So my clients had to deposit funds into my personal account. My XXXX XXXX  business account is linked to my Citi bank personal account. When i tried to make a transfer it said that the funds would be available in 1 to 3 days. So walked into the bank to withdraw money from my account and I felt like I was being racially discriminated against then I spoke to a banker that was very dismissive and gave me NO information only that I have to call customer service. When I called customer service they just said we have closed your account because the amount of money I tried to withdraw. Now my clients money is stuck and my personal money to pay my bills is stuck because the said the cashiers check did not clear which is a LIE. please help me
Product: Credit card or prepaid card

In XX/XX/2022 through a promotional offer, I accepted and applied for a VISA card at Wells Fargo Bank XXXX. This application led to an inquiry logged on my XXXX credit file, this resulted in my XXXX XXXX moving down from XXXX XXXX. 
I received an email from Wells Fargo giving me a reference number, XXXX, stating I should receive a card in 7 days or a reason for not granting me credit. 
Received a letter XXXX XXXX weeks later dated XXXX XXXX XXXX Wells Fargo stating that identity can't be verified, with same reference number and an XXXX # to call. 
I called the XXXX number and a XXXX said send a Government ID, and proof of residence to XXXX. This representative from Wells was talking to another person as we were disconnecting and stated that she was telling some old man to send documents and saying he thinks he is going to get a card, laughing as disconnection finished. That same day I faxed my USA Passport, my XXXX utility bill and my XXXX cable bill. The faxed was confirmed received by Wells Fargo XXXX. 

Again I faxed the same XXXX # on XXXX XX/XX/2022 asking about my application and requesting an answer, yes or no. To this day, XXXX XX/XX/2022 I have heard nothing from Wells Fargo, and I believe this is a overt act of discrimination as well as disparate treatment of a senior citizen. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested an updated amount from the collection agency and for them to investigate the correct amount with the school. I also requested the school 's " drop '' policy, which the gentleman said that I could request and get that myself. They neve made any attempt to investigate the validity of the amount that they have placed for collection. I never attended these classes and should have been dropped from the classes with a full refund, since I didn't go within the first 3 days of class starting. No attempt was made, other than harassing emails and phone calls from the collection company. 

XXXX XXXX XXXX ( XXXX XXXX  )
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
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 Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number: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 file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fee fees to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal credit union for similar practices, where transactions settled with insufficient balances, despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Trying to dispute again they can't provide any accuracy. Effecting my credit n housing stability have XXXX diff collections. Need access to discuss they can't give me no info without attorney.everytine I dispute they come bk with no change. No info is correct they can't prove no accounts that's Accurate
Product: Mortgage

We received a loan modification agreement from Nationstar mortgage. We made the monthly payments according what we perceived the payments to be ( the mortgage company never sent any information to us after repeated attempts from customer service ). We received notification from Nationstar that we were behind, because we were only paying the principle and interest, and not the taxes and insurance. We requested information in writing regarding this and have made several attempts with the mortgage company to pay the past-due amount to cure our mortgage. We have received nothing but inflated amounts that is always higher than when we contacted them in XXXX 2015, but nothing in writing. Nationstar has sent nothing that would be a positive step in correcting the error and bringing our mortgage current. We are at the belief that this company has predatory lending practices, and is intentionally trying to foreclose our property.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/year> I received a call from XXXX, and they said they were from XXXX  XXXX XXXX and that they were calling because someone had used my information to make payments through XXXX. They said they had used an old address of mine and my current phone number. There had been two transactions, one for {$990.00} and one for {$1300.00}. The woman on the line gave me a case number XXXX and a confirmation number XXXX. She then transferred me to someone who worked on their XXXX team to help me reverse the charges. He got me to log into my bank and send XXXX payments to XXXX XXXX using the case number as the contact number so that XXXX would refund those payments to me. I thought I was requesting a refund, not sending money. The first went through as {$990.00}, but the second payment was above the limit so he had me put it through at {$950.00}. He kept pressuring me and I kept hesitating so he pushed harder and made me feel as though I would lose all of my money if I didn't do this immediately and follow his instructions exactly. I asked for his name and some form of identification, and he said that he was XXXX XXXX and that his ID was XXXX. He told me to look at the number on my screen and said that it was verifiable as the XXXX  XXXX XXXX help line, so I didn't need to worry. He said I wasn't seeing the return of the funds because we'd made an error in the memo, and so the third time he had me send {$50.00} and write void instead of cancel in the memo. I was pushing back on him a lot because all of the alarm bells were ringing in my head but he had me so scared that I was still going along with it. He transferred me to his manager, who tried to reassure me and then said that now we'd wrapped up the XXXX issue there were other accounts my phone number was tied to and he needed to help me protect those. He asked me to open my XXXX app  and that's when I realized exactly what was happening. I kept him on the line while googling the number and saw that it was a scam. 
I called XXXX immediately but could not get through, nor could I on any subsequent attempts. I called Chase bank next and they explained that I had authorized the transactions so they were not responsible and there was nothing they could do. I called again later after I read that banks had begun reimbursing victims of imposter scams through XXXX, and they said they hadn't heard that, and reminded me that they were not responsible as I had authorized the payments.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX. I received a phone call from a debt collector a few weeks about attempting to close an account for non payment. They were really rude and disgusting and threatening me. I informed them I had no clue what they were talking about, as I did not open any accounts with them. After this phone call. I found out that there are more accounts and that I am a victim of Identity theft. I couldn't believe that someone would do this to me. I am a single dad, I loss my wife XXXX XXXX XXXXXXXX after the birth of our XXXX  daughter and things have been really tough for me and my girls and to find out I have this now on my list is really heart breaking. I contacted the company about these accounts and they have not deleted these items. I am asking that you please deleted these items off my credit report. I did not make the charges.
Product: Credit card

XX/XX/XXXX for {$6.00} ; XX/XX/XXXX for {$11.00} ; XX/XX/XXXX for {$11.00} ; XX/XX/XXXX for {$53.00} ; XX/XX/XXXX for {$11.00} & XX/XX/XXXX for {$11.00} I called Capital One in XXXX and disputed the charges. The representative did a purchase adjustment totaling {$190.00} and blocked XXXX XXXX from taking funds from my credit card. 

Some time in XXXX I noticed charges on my statement from XX/XX/XXXX for {$190.00} and on XX/XX/XXXX for {$53.00} from XXXX XXXX XXXX. I immediately called Capital One. The representative stated that unfortunately XXXX XXXX created a virtual credit card and changed their name and obtain funds from my credit card that way. 

I have been disputing ever since directly with Capital One. Theyre dismissing me. I filed an Identity Theft Report, but havent heard anything back. Im constantly receding a bill with additional higher late fees. I filed a complaint recently with BBB also.
Product: Mortgage

I applied for a refinance of my home mortgage with Freedom Mortgage on XXXX/XXXX/2016. Finally closed on XXXX/XXXX/2016. I received numerous requests for the same information. Delay after delay. Incorrect information on documents sent to me numerous times. A request for a letter of explanation from my employer for an error caused by Freedom Mortgage. I sensed a delay in wanting me to get frustrated and walk away from the refi due to the slightly lower interest rate and my adding cash at close in order to increase my equity and eliminate the need to pay for mortgage insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX XXXXXXXX BALANCED {$88.00} XXXX XXXX XXXX XXXXXXXX BALANCED {$11000.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Student loan

Since XXXX I have had a crefit balance they said a few months it's been 4 months and they have not disbursed our borrows defence pay back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, illegally repossessed XXXX. Did not send proper notice, did not respond to certified letter or calls. Continue to report repossession to credit bureaus when the XXXX was already sold over my contract balance satisfying amount and refund due to me. XXXXl XXXX refused to refund amount recovered after illegal sell and did not tell me where my vehicle was held or did not allow me to recover my personal items totaled over {$1000.00}. Illegal Violations
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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
Product: Credit card

My credit card account was placed under an online freeze due to fraudulent activities on my account. The first week of XXXX I contacted Capital One to request the balance due on the account and an address to send payment in full. I was told that I needed to provide them with a copy of my drivers license, social security card and verification of my address. I sent this information in to Capital One on a secured email link. They said the drivers license had a shine on the copy so I resent the license. They then told me there was an issue with one of the items but they would not tell me which one. They also would not tell me my account balance or an address to send a payment to because the account was restricted. I received a letter dated XX/XX/XXXX stating they had placed a hold on my account and that it was important that we speak as soon as possible to clear up concerns around possible fraud. I called and was told I needed to resubmit my drivers license, SS card and my utilities form. The first week of XXXX I called again and they would not talk with me. They said the account was restricted and a letter from Capital One was being sent to me. I did not receive a letter so I called on XX/XX/XXXX and asked to speak to management. Now they told me the balance on the account and an address to send in a payment. They will not tell me how much in late fees and interest has been charged since XXXX nor will they send me a statement because the account is restricted and they dont know why I was not given the balance and address in XXXX. The company did not give me information needed to make a payment in XXXX or XXXX, therefore I should not be responsible for late fees and interest accrued. They continue to not provide me with a detailed statement with a breakdown in fees owed.
Product: Credit card or prepaid card

The post office took four weeks to deliver my credit card check to the credit card company. The credit card company charged me late fees and interest. I called the credit card company and they removed the fees this one time as a courtesy and wont do it again. I asked them why they werent they using the date on the envelope when the check was mailed and not when it was received. They say its when its received. The reason it was late is because the post office took four weeks to deliver the check and the charge card company took to long to post the payment to the account. A federal law needs to be passed that no late fees or interest can be charged during the COVID 19 pandemic as long as the payment is mailed before the due date and not when the payment is received. The law should include nothing can be reported to credit agencies either. Thank you. XXXX XXXX