23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$18000.00} Closed Overview You have XXXX XXXX left to pay on this loan. 
Balance : {$18000.00} Highest balance : Account details Account Number XXXX Account Status Charge Off Open Date XXXX XXXX, XXXX Last Activity XX/XX/XXXX Type Responsibility Individual Remarks Charged Off Account Times XX/XX/XXXX Days Late XX/XX/XXXX Month 's Reviewed XXXX Terms Count XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Current Payment Status Collection/Chargeoff Amount Past Due Payment history Youve made 2 % of payments for this account on time. 
Paid on time 30 days past due 60 days past due 90 days past due 120 days past due 150 days past due Bankruptcy Repossession or foreclosure Collection or charge off Voluntary surrender No data available XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A Account ID : XXXX Collection or charge off Voluntary surrender No data available XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Ive sent dispute a letter to Experian, XXXX and XXXX detailing harmful errors existing on my credit report currently.
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my XXXX This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my XXXX. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Product: Debt collection

I would like to dispute any debt on the alleged account this debt collector says I owe.I 'm attaching a letter on regards.
Product: Credit reporting or other personal consumer reports

TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Late Payment Reporting XXXX XXXX XXXX and XXXX, XXXX Dear TransUnion Customer Service, I am writing to formally dispute late payment entries on my credit report. My credit report indicates that I have late payments reported by XXXXXXXX XXXX XXXX  for the following dates : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XX/XX/XXXX. Additionally, I wish to dispute late payments reported by XXXX, XXXX for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) as stated in 15 USC 1681a ( 2 ) ( I ) to request a thorough investigation into these accounts. According to the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report.

As per consumer laws, specifically 15 USC 1666b and 15 USC 1692g, I believe that these late payments may not be accurately reported, and I am requesting verification of the details related to these entries. I kindly ask that you provide me with documentation that confirms the validity of these late payments. 
Please conduct a thorough investigation into this matter and correct any inaccuracies found in my credit report. Also, if this companies are furnishing these inaccuracies, how is it that on XXXX it is reporting that I have never been lat. 

I appreciate your prompt attention to this matter, as it has a significant impact on my creditworthiness. Please respond to me at the address provided above within the time frame allowed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX, who is submitting this CFPB complaint upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm demanding that these accounts be removed from my credit files. The following accounts are not mines nor have I ever did any type of business with these companies. If the credit reporting agencies do not remove these unauthorized accounts then I may be forced to take suit, however hopefully it can be resolved here.

1. XXXX {$1700.00} 2. XXXX XXXX {$780.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, this letter serves as a formal dispute and demand for the immediate removal of inaccurate, outdated, and unverified debt entries from my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681, and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692, I am exercising my legal right to challenge the validity of the debts being reported. 
Upon reviewing my credit report, I have identified the following erroneous and unverified accounts that are negatively impacting my credit profile. Under 15 U.S.C. 1681i, you are required to conduct a full investigation within 30 days of receiving this dispute. If the accounts can not be verified with original documentation from the creditor, you must immediately delete them from my report. 
I Demands Under Federal Law : 1. Full validation of each reported debt, including the original creditor agreement, signed contract, and complete payment history. ( FCRA 609 ) 2. Proof of legal authority for any debt collector reporting on my file. ( FDCPA 809 ( b ) Debt Validation ) XXXX. Immediate deletion of any unverified, outdated, or inaccurate information, as required by law. ( FCRA 1681e ( b ) ) 4. Written confirmation detailing your findings and any removals made to my credit report. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Unsecured XXXX XXXX, XXXX Closed Account charged off. {$1900.00} written off. {$2000.00} past due as of XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Account charged off. {$1500.00} written off. {$1500.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Open/Closed Closed Account Type Balance - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Open/Closed. Closed Account Type Secured loan Balance - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX  Date Filed Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

1 : XXXX states that my dispute relates to the exam. FALSE : my dispute relates to the course and poor quality thereof. Refer to the invoice. The exam is {$370.00}. The course is {$740.00}. 
2 : XXXX states that I sat for the exam. FALSE : I did not. Refer to the scheduling email + status of my certificates from XXXX. Emails also attached where XXXX  ( XXXX XXXX XXXX ) + XXXX  are confirming the poor quality. Webpage attached confirming XXXX is the author, with XXXX, of the course. 
FURTHERMORE : I am appalled at the horrible dispute experience : 1 : Only allowing my 3 days to respond ( received the letter today XXXX ; deadline XXXX ) is absurd. 
2 : Not allowing electronic uploads is ridiculous. 
3 : Having to find a fax machine or going to a BOA branch to fax during XXXX is beyond bizarre. 
5 : Having assertive language in the letter on the exhaustive need for documents and the implication that all are required is menacing. 
6 : Having the team that deals with these issues only available XXXX XXXX ET with a 3 day deadline in conjunction with the aforementioned is bizarre. 
7 : The card / account agreement and dispute rules / process are not available anywhere online. 
8 : The call center has a spoken message affirming that dispute documents electronic submittal is available through the online portal. 
9 : The call center staff and managers provide conflicting information and refuse to be of any assistance. 
10 : Not reviewing a merchant response ( I never disputed the exam ) and simply throwing it over the fence with all the aforementioned considered leads me to believe that BOA deliberately throws up barriers to its cardholders to the benefit of merchants in contradiction of BOAs code of ethics and code of conduct.
Product: Mortgage

FHA Case # XXXX New American Funding underwriter denied my cash out loan lin violation FHA handbook policy. 

XXXX : On XX/XX/2025 I signed disclosures with XXXX XXXX for a refinace loan. The XXXX XXXX loan Officer stated that she could include my boarder income because of a new policy ( effective XX/XX/2025 ) that allowed border income that could be verified for the last 12 months instead of 2 years which was the previous FHA policy. 

On XX/XX/2025 I had my FHA loan transferred to New American Funding and the loan officer stated that boarder income for the last 12 months would be acceptable. 

The loan officer did an excellent job and was very professional in keeping me informed of every aspect of the loan process. 

The loan was sent to underwriting on XX/XX/2025. The loan was denied on XX/XX/2025. The underwriter stated that border income could not be included because the FHA policy mandated a 2 year history of rental income. 

Shortly after the loan denial I sent my loan officer a copy of the FHA Mortgagee Letter XXXX dated XX/XX/2025 ( effective XX/XX/2025 ) regarding boarder income policy change. 

Two full business days have passed and the underwriter has not responded after given this information. It appears that this loan is still denied and not in a second review process.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. Details of the accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found multiple accounts that I never applied for
Product: Credit reporting

A fraudulent account is appearing on my Experian credit report. The account is XXXX XXXX XXXX XXXX account number XXXX. 
I 'm a victim of identity theft and have disputed this account with Experian. 
Experian refuses to remove this account from my credit report after numerous dispute attempts. 
The company that is reporting this information, XXXX XXXX XXXX XXXX has been unprofessional and unhelpful in my attempts to figure out why this is appearing on my credit report.
Product: Mortgage

Representatives from Loan Depot have repeatedly claimed to be calling on behalf of the VA rather than a private loan servicing company. Their effort to extract personally identifiable information by fraudulently claiming to be US Government employees is a shameless and illegal means of exploiting veterans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed an affidavit and compliant over fraudulent and in accurate information showing on my credit report. I have never done business or opened up a line of credit with XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX  # XXXX, XXXX XXXX # XXXX, this is a error please delete at once. I have a FCRA 611, 623, 609 DISPUTE for a late payment this is not accurate please delete. I have never been late on my PLEASE DELETE THESE ACCOUNT THEY ARE NOT ACCURATE! 
Information belongs to someone else PLEASE DELETE THESE ACCOUNT THEY ARE NOT ACCURATE! I am unable to locate documentation that they complied with the of federal and state laws requirement, which is a violation of the FCRA & FDCPA. State FDCPA Laws I fail to see is in compliance with sTA OHIO LAW 1319.12 O.R.C. TAKING ASSIGNMENT OF DEBT. I also have report this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report where with XXXX XXXX has not even tried to contact me regarding this Fraudulent collection if they had done so they would have known they had in fact Purchase two fraudulent third party collection accounts. Please have them remove this collection account immediately. I have submitted an FTC AFFIDAVIT for the addresses and unknown accounts on my credit file please see the attached document and FCRA 605B ( 15 U.S.C. 1681c-2 ). I HAVE ATTACHED MY POLICE REPORT AND FTC RPORT AND ID
Product: Payday loan, title loan, or personal loan

I am  XXXX   XXXX  due to a   XXXX   XXXX   and was misinformed of how the debt would be paid back. I was in an open chapter  XXXX  bankruptcy when monies were given and was told that i would not have any interest to pay. i explained that i had a caregiver that handles my bills and was told that it was not nessecary to have anyone look at this that it was a short term intersest free loan. I believe this was in  2014  when I was living in  XXXX  and now live at my moms house in  XXXX . I was told that they would take money from my checkimg account for 3 months and then I would not owe anymore. I thought it was a  XXXX  benefit not a loan and was told the original payments were for there service of obtaining the loan. It continued causing me to lose my checking account for being overdrawn.
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX XXXX. 
LAST NAME : XXXX. 
DOB : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My loan was charged off during covid even after we agreed to payment plan gap insurance never refunded, also a savings acct was opend by wellsfargo that i never authorized then they kept charging me overdrFt fees for the same overdrat
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened up an account with bank of America in 2019 and upon doing so a couple of months in my card was stolen or lost and someone attempted to cash a fake check in the amount of XXXX dollars in my account that was rejected my account was closed shortly after on XX/XX/2019 and when I explained that it wasn't me, I got the run around. also, I was never told that it would be on my consumer reports because the closure status read paid in full but since I haven't been able to open an account so upon request, I filed a dispute with XXXX XXXX, but I was told it was never on file can you guys please help me get back to normal this is very much hardship for me especially when I did nothing wrong.
Product: Vehicle loan or lease

Sent first certified letter XX/XX/XXXX explanation of a formal dispute requesting inaccurate information on my credit report showing that I was late 30 days or more late on my car payments in XX/XX/XXXX, XX/XX/XXXX. West lake financial received first certified letter on XX/XX/XXXX, they failed to provide me  with any requesting documentation that I was late on my payments, however after 30 days time frame nor did they acknowledge my dispute my placing a remark on my credit report in disputing this matter. 
I again, followed up with the second certified letter 31 days after sending the first letter, and yet again they failed to acknowledge any of my correspondence about this late payments, requesting documentation. I patiently waited until the 30 day expiration date and they failed to acknowledge my certified letters once again. 

Third attempt, was also unsuccessful.
Product: Checking or savings account

Marcus bank, a XXXX bank, illegally took out, for period ending XXXX, {$24.00} from our cd account. We are NOT subject to with holding. We submitted several times form, stating on oath and under penalty for perjury that we are not subject to with holding. In fact we talked to XXXX supervisors and they did confirm that Marcus bank has received the form for with holding. These supervisors assured us that Marcus bank will not take out any Money from our account. See above.
Product: Money transfer, virtual currency, or money service

Tracking number XXXX XX/XX/2018 transfer amount {$170.00} USD Total pay in cash {$180.00} exchange rate XXXX XXXX Tranfer amount XXXX XXXX Western Union has yet to correct the convertion mistake they made and are requiring I pay more money for them to correct their mistake. I have called several times and emailed all requested documents proving the failure to convert the correct amount. Several cases have been created to in attempt to resolve the issue.
Product: Student loan

Mohela, according to the Mohela customer service rep I spoke to on XX/XX/XXXX, explained that Mohela 's processing error led to a letter/notification that my employer did not complete questions 9-12 on the employer verification form that my employer submitted. She pulled up my materials and confirmed that my employer verification form was complete ( all required responses were provided along with appropriate signature ). 

The representative said that my application file ( including employer 's form and employer 's eligibility ) was complete and should cleared review. ' I was already past the 90-day period the Mohela site posted as my processing time, my application is complete ( according the representative who reviewed it with me during my call ), but the representative said that Mohela would reset my processing for another 90-day period to clear my application for approval. 

The representative did reset my application, which now shows that a new 90-day processing period has begun. Now a week later, I received a notification detailing that my payments will resume ( but I am way over the 120 payments for XXXX forgiveness ), Furthermore, the rep ( who was polite, no troubles there ) suggested that I resubmit my borrower 's page for the XXXX application, and noted that I should resign my signature on the original application page. I did as suggested ( see attached ) and now that submission is listed as resetting the 90-day processing for review. 

As the end of the federal forbearance period is coming soon, I am out of time with the uncertainty that additional Mohela reviewing errors will likely continue to reset and delay my approval. The Mohela employee reviewed all my materials while I was on the phone, and she clearly stated that all my materials were in order and that it was flagged in error and now must start the process from scratch. 

From consumer reports from CFPB, there is clearly a pattern of Mohela delays and errors that jeopardize timely and accurate review for official approval. 

If the rep I spoke with can confirm all my materials and information is in order, why am I back to square one, and why do I need to wait another 3+ months fearing that the error-prone review process will delay and disturb my official approval. 

I made more than 120 payments towards XXXX forgiveness. 
All forms ( including employer form from employer ) were submitted before the XX/XX/XXXX deadline. 
Mohela rep explained my files were complete and accurate, and that the application shouldn't have been flagged as having an error. 
Yet, I am now back to week 1 of another round of 90-days for processing, in the same exact system that erroneously flagged my application after the previous 90-day review period.
Product: Checking or savings account

A payment for a fitness facility was taken when the pandemic dictated they be closed. Per their CEO and website, the facility advised the accounts would be reimbursed. When the next billing cycle arrived, the credit did not appear. I was then advised it would occur on the first billing cycle after the facility was permitted to be open. The credit did not appear on the first cycle after the fitness center reopened. The emails to the fitness center then went unanswered. I contacted US Bank, IMMEDIATELY, on the date the fitness center last advised I was to receive the credit. I explained ALL of this to the US Bank representative recording my dispute. I telephoned US Bank twice, after disputing the amount, asking if it was normal for the process to take this amount of time, as I had not been reimbursed, nor had I received any documentation from US Bank. Today, I received a letter from US Bank stating they closed the case, as they were unable to locate a transaction in the amount of {$23.00} to XXXX XXXX on XX/XX/2020. I advised this amount was {$23.00}, many times, while speaking with the US Bank representative taking the information regarding my dispute. US Banks correspondence to me, dated XX/XX/2020, included the correct date of the transaction in dispute, the correct corporation charging the amount in error, and was a mere difference of ten-cents off ( their error ). I did not receive a call to request further info, nor any paperwork, to question if this could be the transaction being disputed, nothing. US Bank could not seem to figure out the ten-cent difference was their error. I telephoned US Bank after receiving the letter, but tired of waiting on hold. This was handled very poorly by US Bank.
Product: Debt collection

Requested verification of debt being owed to me. Advised this debt does not belong to me via several letters.