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

While trying to qualify for a mortgage, my lender indicated that there were several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me I am not familiar with and I have no idea what these negative items are about.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent XXXX & XXXX and Debt Validation to NELNET and certified mail w/signature was signed and dated for XX/XX/2022, signed by " XXXX XXXX XXXX XXXX Received an email on XX/XX/XXXX from XXXX XXXX XXXX XXXX advising me of receipt and they will be working on my correspondence within 30 days. On XX/XX/XXXX, sent a reply to XXXX requesting for the reply since it was well over the 30 days. No one replied up until XX/XX/XXXX, from " XXXX XXXX '' requesting I verify information by giving them my Nelnet acct number, or social security number, DOB and First and Last Name. Also, I should restate question and concern. 

On XX/XX/XXXX, I received a message stating the NELNET account has been closed and the amount has decreased. Still no update from NELNET. 

NELNET has destroyed my credit report along with my reputation to gain additional credit since this reporting is derogatory on many levels. 

I am demanding this account deleted from all CRAs including but not limited to, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I assert that I do not owe any debt to the aforementioned creditor or collection agency and believe that my rights under federal law have been violated. The following regulations have not been adhered to : 1. 12 CFR 1006.34 ( bX5 ) : This regulation requires that the debt collector provide the name of the current creditor to whom the debt is owed. The information I have received does not comply with this requirement, and I am questioning the validity of this account. 2. 12 CFR 1006.34 ( c 4X ) : The regulation mandates that debt collectors clearly communicate the consumer 's right to dispute the debt. This was not adequately communicated to me, which is a violation of my rights. 3. 12 CFR 1006.34 ( d ) : Debt collectors are required to provide validation information within five days of initial communication. I have not received proper validation of this alleged debt, as required by law. 4. 15 USC 1681-S2 ( 7XA ) : Under the Fair Credit Reporting Act ( FCRA ), furnishers of information must ensure the accuracy and completeness of the information provided to credit reporting agencies. The information reported in this case is inaccurate and incomplete
Product: Mortgage

360 Mortgage has made several billing errors regarding my loan XXXX. The mortgage company is reporting various amounts due in the past 5 months. The company has violated the Fair Billing Act and Fair Credit Reporting Act. The company has added default cost of {$390.00} and " Other Charges and Fees of {$120.00} ''. The company denied me a refinance under the VA refinance loan program or the ability to modify my loan after I submitted multiple applications and request after having a financial hardship and the death of my mother in XX/XX/2016 of XXXX. The after speaking with me initially about my hardship the representative XXXX, who would initially ask me to submit an application ; which I did and she would in turn state I had 15 days to complete and return it with supporting documents such as bank statements. This happened 3 times ; which put my account further behind. XXXX and her Manager XXXX She then requested on the XXXX day into the process to circle all debits and withdrawals that went towards my mortgage and expenses. This information was seen in the monthly statement as debit or withdrawal. This was a tactic that was unethical, racist, and deceptive to compound cost to have my account in a default state to obtain monies in a deceptive manner. The company has violated the Fair Housing Act by imposing overly restrictive rules because I have children and am XXXX. Since I am a veteran I contacted my VA loan representative which monitors my loan XXXX. The company has stated my funds were being held in escrow to pay for insurance and taxes. The company refused to allow me to independently pay my taxes and insurance. Which is now not fully paid as agreed on the Mortgage Note in my Loan Contract and my Insurance was paid before my annual taxes which should have been paid monthly due to my insurance service contract. The company sent me an agreement ( payment arrangement ) for my loan and stated my loan could not be modified and brought current even though I was 4 months behind at the time. The company has charged me " Default Related Charges and Other Charges and Fees '' even though this payment plan included all other fees.
Product: Credit reporting or other personal consumer reports

i recently review a copy of my credit report and i notice i had fraudulent accounts on my report. please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Debt collection

true accord fraudulently open a credit card account in my name, set up online banking to true accord, and utilized the card without my knowledge until i tried to refinance my house and i received a email from XXXX @ support true accord, stating the balance, and they was no longer collecting the balance on the account and that they forward the account back to XXXX XXXX, which i never applied and used the card at all..but i was informed from my credit report about this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX XXXXXXXX & they told me I've never missed a payment, yet Experian and XXXX refuses to remove me from being listed as late on XX/XX/XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experian and XXXX job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX2019 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There are numerous accounts listed on my report that I have no knowledge of. The accounts listed were a result of fraud or malpractice.
Product: Credit card

I paid off my account and wasn't informed there would be a final interest payment. There was a small interest charge, less than {$2.00}, so I was assessed a minimum interest charge of {$2.00}. I received a statement, but didn't look at it because I thought it was just verification of my closed account. I became aware of the problem when I received another statement. I was assessed another minimum interest charge of {$2.00} and a {$2.00} late fee. I now owe {$6.00} on a balance that was only a small amount of residual interest. I know the dollar amount is small, but the policies that more than trippled what owed seem onerous.
Product: Credit card or prepaid card

I DISPUTED CHARGES FROM XXXX. I do owe XXXX money but not the amount of money I being charged. Opened the claim XXXX XXXX. XX/XX/2021 XXXX XXXX Credit Card Company put the amount back on my card based on information they received from XXXX. Using that same information I again disputed the charge because I am being overcharged by XXXX. I was told the charge would go back into dispute. Today I received a letter dated XX/XX/2021 that the charges are back on my card card because I did not provide proof. I sent them all the proof they need and everything they asked for. They have the proof because they sent it to me. All they need to do is ADD the charges. The charges add up to {XXXX} plus {XXXX  tax for a total of {XXXX less a credit of {XXXX}, less a credit of {XXXX for a total owed {XXXX}. XXXX is charging me {XXXX. I keep asking the credit card company and XXXX where they are getting this amount and it simply can not be explained. I am willing to pay what I owe XXXX  but not for amounts that I do not know and can not be explained to me.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act XXXX XXXX ( a ) ( XXXX ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section XXXX ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. CODE 1692G - VALIDATION OF DEBTXXXX XXXX XXXX XXXX  Account Number : **** Delete this account. 

2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

ON XX/XX/2021 I submitted an application for a home refinance to Rocket Mortgage LLC. Adverse action was taken against me I received no benefit from this use of my social security card. I have been damaged by your refusal to grant my extension of credit.
Product: Payday loan, title loan, personal loan, or advance loan

So I had this loan through today cash. I then became unemployed and told them. They continue to call me daily and send threatening emails. They said if I dont pay them in XXXX  days they will contact my work. I told them that was against the law in XXXX  and they said they dont have to follow XXXX law. They claim I signed some form to allows them to call my work which if so it was hidden in their paperwork and nobody at any point reviewed the paperwork with me. They just deposited in my account no phone call or anything. This isnt right. They are trying to threaten me while I am unemployed and claiming they are above the law
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a dealership to apply for a car they advised they would only run my credit for XXXX XXXX  but they ran my credit through numerous companies. these are the inquries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Kickoff lending XXXX $ late payment not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete immediately : Wrong Date of Birth : 1984
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX violated the FCRA laws whee states you must give a customer most recent updated credit score : see attachments for violations maybe hire people in AMERICA that actual know how to read credit and use it not some 3rd world country : thanks below youll see the date and the credit report they provided me ONLINE as evidence
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant Information : Full Name : XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Identity Theft Report Number : XXXX Report Number : XXXX Complaint Against : [ Insert Name of Collection Agency or Credit Bureau ] Nature of the Complaint : I am filing this complaint to request the immediate blocking and removal of fraudulent information from my credit report due to identity theft. Despite multiple attempts to update my personal information and dispute fraudulent accounts, the reporting agencies have failed to comply with my requests as mandated under the Fair Credit Reporting Act ( FCRA ). 

Issues : Fraudulent Accounts : Unauthorized accounts have been opened in my name, which I have disputed multiple times. However, they remain on my credit report.

Personal Information Inaccuracy : The agencies have failed to update my personal information despite numerous requests. My correct information is as follows : Full Legal Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( All other addresses must be removed ) Phone Numbers : Request for deletion of all incorrect phone numbers Social Security Number & Date of Birth : Request for privacy protection and removal from public display Employer Information : Request for removal of all outdated employer details Failure to Block Fraudulent Information : Under 15 U.S.C. 1681c-2, agencies are required to block fraudulent data upon request. They have failed to do so.

Failure to Provide Method of Verification : Under 15 U.S.C. 1681i ( a ) ( 6 ), agencies are required to disclose how disputed accounts were verified. They have not provided this information. 

Failure to Protect My Personal Data : My personal information was compromised due to multiple data breaches, including : Equifax breach ( XXXX ) XXXX breach ( XXXX ) Experian breach ( XXXX ) These breaches have led to identity theft, and I demand corrective action immediately. 

Legal Violations : The credit reporting agencies and collection agencies have violated multiple provisions of the FCRA and related consumer protection laws, including but not limited to : 15 U.S.C. 1681i ( a ) ( 6 ) Failure to provide the method of verification.

15 U.S.C. 1681c-2 Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) Failure to properly safeguard my personal data.

15 U.S.C. 1681s-2 Failure of data furnishers to ensure accuracy in reporting.
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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit in XXXX of 2020 and noticed that I had a collections on my credit report from this office. Upon contacting the office, It has been over 6 months since I complained about this matter and they have not seen this resolved. This is having a negative impact on my credit score.I have requested validation of the debt over 3 times, and they have failed to produce this. Additionally, on their own website, they state if they can not validate this within 30 days, they will delete the information from all credit reporting agencies.
Product: Student loan

My account has been on autopay, withdrawing {$58.00} every month on the XXXX. On XXXX/XXXX/16 my bank account had a withdrawal of {$790.00}. I did not receive any notification that the amount would be increased. My loan servicer is Navient. 

Not only was this a major surprise, as I am on an income contingent repayment plan, but this happened 2 days before XXXX ... leaving me no way of contacting my bank to dispute the charge or Navient because they are closed for the holiday until the XXXX. Luckily I had the money in my account, but it left me with {$1.00} to survive on for two weeks until my next paycheck comes in.
Product: Checking or savings account

While waiting in line to cash a check i overhear a coversation between a woman and the concierge. The woman says she " only wants to cash a check '' and the concierge explains that she has to go to the window for that, which is the line I'm standing in. After waiting for another XXXX min, when it is my turn to be waited on, the concierge tells the woman, " I will help you '' and the concierge goes to the teller, XXXX, and asks her to process the transaction for the lady waiting instead of helping the next in line. When i approach the window and ask if i need to wait in line or if the concierge can skip the line for me, the concierge shows me the personal ID of the woman who was helped out of turn, in front of me, and says, " look at her, she is XXXX. '' I inform the concierge that i am a XXXX XXXX  with XXXX young children, that like this woman, I am attempting to also cash a check and that they should treat customers fairly. She disagreed and said " come on sir, she is XXXX. '' I said ok fine, i want to close my account and then was escorted to an office by XXXX women who closed the door and started aggressively asking me questions. " Why didnt you ask what was going on before closing your account '' and " why are you making a big deal '' I responded that i was discriminated against, which is against the law for a reason, and I want to take my business elsewhere. 
The manager moved closer to me, stood over me, wearing her sportcoat and a very serious face and told me that she " is personnally offended that i said i was discriminated against. '' As she was a XXXX XXXX, I took this to mean that She feels that as I am a XXXX  XXXX, I am not allowed to complain about being mistreated under the law. I told her that closing the door, physically approaching me, and holding my ID and my personal space as hostage while she yells how offensive i am, is actually threatening me in response to a valid customer complaint. I asked her to open the door and proceed with closing my account. She then said that me saying i feel threatened makes HER feel threatened by ME and that i am again the one in the wrong. I disagreed and asked that they process the account closure, so they did. Then after yelling at me and saying how horrible i was for feeling discriminated against while not being XXXX XXXX XXXX XXXX they all smiled and wished me a great day... further showing what disingenuous liars they really are. Im so glad i am no longer affiliate with a bank that hates me for my appearance!!
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be updated.

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.

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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Please remove this fraudulent unauthorized collection account ( XXXX XXXXY ) as I have never had an account with XXXX XXXX, this is due to my identity theft. Also please remove a hard inquiry from XXXX XXXXXXXX and XXXX XXXXl as these are fraud. TY