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

By law 15 U.S. Code 1681a late payments shouldn't be on my consumer report. Why is XXXX, XXXX, experian reporting late payments on my credit report? 

XXXX XXXX XXXX XXXX ( A ) ( i ) - the term " consumer report '' does not include report containing information solely as a transactions or experiences between the consumer and the person making the report. 

the law doesn't say anything about late payments should be reported on a consumer report. I would like to have all my late payments reverse and change as " paid as agreed '' or " OK '' immediately.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiries on my XXXX credit report. My latest credit report shows 2 credit inquiries that I did not authorize.

I am writing to dispute the following inquiries and asking for their removal from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRUIST BANK XXXX XXXX XXXX XXXX XXXX  Please have these unapproved inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance.
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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or 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: Credit reporting

I checked my credit report on creditkarma. Both XXXX and Equifax showed a " legal item '' on my public record. I contacted them both. Only XXXX corrected it, Equifax did not. Somehow my fathers " legal item '' reference # XXXX found it 's way onto his son 's ( my ) credit report. I can see how it happened as I am the XXXX ( XXXX ) and he is the XXXX ( XXXX ) so we share the same name just different XXXX. also I currently live with my parents so I share the same address. but I 've never had student loans, home loans, or new car loans. also all my credit cards combined have never added up to that amount. I 'm not saying this is a false legal item, I just want someone to see that it 's on the incorrect persons record. please help!
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate address on my credit report. Despite prior disputes, this incorrect address remain listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Unauthorized Inquiries : XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

I contacted American Express several times and they still haven't applied the welcome/promotional offer of XXXX points. They confirmed I qualified, but keep saying their " backend '' office needs to process this and that they will get back to me, but then they never too. No response and no help and they just keep saying " they are working on it ''. Well they are months overdue now and I want both the points and a refund on my annual fee due to the delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

iN ACCORDANCE WITH THE FAIR CREDIT CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALLY UNDER 15USC 1681. 


XXXX : ACCOUNT # XXXXXXXX XXXX : ACCOUNT # XXXXXXXX XXXX : ACCOUNT # XXXX XXXX XXXX  : ACCOUNT # XXXX THEY HAVE ALL VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : Its also states that 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 information, other than records of convictions of crimes which antedates the report by more than seven years.

1 5 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 have reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1681S- 1681C. ( A ) CREDIT REPORTING AGENCY XXXX AND EQUIFAX HAS ALSO VIOLATED MY RIGHTS FOR PRIVACY. I HAVE ASKED FOR PROOF. IT HAS NOT BEEN GIVEN. ITS BEEN OVER 3 MONTHS SINCE THE INITIAL LETTER WAS SENT TO THE CREDITORS.THE ACCOUNTS LISTED DO NOT BELONG TO ME. I AM DEMANDING THAT IT BE REMOVED FROM MY REPORT IMMEDIATELY OR I WILL BEGAN LEGAL PROCEEDINGS TO SUE XXXX. {$1000.00} PER VIOLATION.
Product: Payday loan

I had a loan for XXXX which interest will XXXX so i pay XXXX off t loan and they still saying I owe them XXXX plus interest wich is XXXX
Product: Mortgage

XXXX from XXXX gives out an interest rate for a mortgage without being license as a Mortgage XXXX. He is a realtor. Please see screen shot below.
Product: Mortgage

My mortgage servicer has been changed from XXXX to Nationstar Mortgage. I received my XX/XX/XXXX statement yesterday, XXXX XXXX, 2015. I called to make sure they got my payment, and they said they did. I asked when they would be mailing me my next statement and was told on XXXX XXXX. I told them I believe I 'm supposed to get the statement prior to XX/XX/XXXX and I asked to have legal council call me. I was put on hold and I eventually hung up. I do n't believe they know what the laws are and I want to receive my statement on time.
Product: Checking or savings account

XXXX XXXX XXXX  closed for balance of {$2800.00} fraudulent account discover bank fraudulent account closed with a balance of {$960.00} XXXX XXXX XXXX  opened fraudulently left with balance of {$1900.00} this accounts are fraud not opened by me the police report i submitted nothing has been resolved.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention the inaccuracies present in my credit report across the XXXX major reporting agencies- TransUnion, XXXX, and XXXX. The Fair Credit Reporting Act explicitly states that information can not be reported without my consent. It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security of their non-public personal information. 

In my credit report, I have identified discrepancies concerning an account with XXXX XXXX TransUnion reports the account as being opened on XX/XX/2022, while XXXX and XXXX report different open dates- XX/XX/2022. This inconsistency is both inaccurate and detrimental to my credit profile. I request the immediate removal of this item from my credit report. 

Moreover, TransUnion and XXXX report a credit limit of {$300.00} for this account, whereas XXXX reports the credit limit as {$0.00}. These discrepancies in credit limit information across the reporting agencies further compound the inaccuracies in my report. 

The laws 15 USC 1681n and 15 USC 1681o are vital in defending my claims. These provisions outline the civil liabilities for noncompliance with the Fair Credit Reporting Act and emphasize the importance of accurate reporting by the credit reporting agencies. 

Additionally, 16 CFR 313 and 16 CFR 313.7 are pertinent to my claims. These regulations pertain to the privacy of consumer financial information and mandate accurate reporting to ensure consumer privacy rights are upheld. 

It is noteworthy that while TransUnion and XXXX report this account with a high credit of {$330.00}, XXXX inaccurately reports the credit limit as {$0.00}. This disparity in reporting further emphasizes the urgent need for correction.
Product: Mortgage

The Complainant and his wife have a HAMP mortgage with U.S. Bank Home Mortgage. The mortgage trial period plan effective date is XX/XX/XXXX. The Complainant has timely made all monthly mortgage payments. The Complainant has never been delinquent. In response to a letter from U.S. Bank Home Mortgage that was dated XX/XX/XXXX, the Complainant mailed to U.S. Bank Home Mortgage ( via USPS certified mail ) a signed Dodd-Frank Certification. The Complainant also requested in his cover letter that his loan be re-amortized. U.S. Bank Home Mortgage received the signed Dodd-Frank Certification and request for re-amortization on XX/XX/XXXX. ( USPS Certified Mail XXXX ). U.S. Bank Home Mortgage did not acknowledge receipt of the signed Dodd-Frank Certification nor respond to the Complainant 's request for re-amortization. 
Pursuant to Treasury guidelines, U.S. Bank Home Mortgage was required to make a {$5000.00} principal balance reduction payment to the Complainant 's mortgage account in XX/XX/XXXX, the month after the sixth anniversary of the month in which the HAMP trial period plan effective date occurred. U.S. Bank Home Mortgage has failed to make the {$5000.00} principal balance reduction payment. Additionally, U.S. Bank Home Mortgage failed to make an offer to recast or re-amortize the unpaid balance of our mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt or credit management

Denefits I never did business with them used a different companys and they put collections on my credit report
Product: Credit card

On XX/XX/XXXX, I transferred XXXX other credit card balances to Bank of America for a total of {$8300.00} because they offered 0 % interest until XX/XX/XXXX. Four days later, on XXXX XXXX XXXX Bank of America somehow used an auto-pay feature that they themselves set up, to auto-draft all {$8300.00} from my checking account. I had just payed 3 % transfer fees to transfer these balances to Bank of America until XX/XX/XXXX, and also, I do not have {$8300.00} in my checking account. I did not authorize Bank of America to do this. ( Even I set up auto-pay, which I didnt, it couldnt be used to pay a balance that was posted 4 days before the auto-pay. That should be on the next months statement/auto-pay ( ie, XX/XX/XXXX, whereby I would have time to contact Bank of America to set it to auto-pay just the minimum balance or a set amount until XX/XX/XXXX. Fyi, end-users like me can not set up auto-pay on the app or online. Bank of America employees must do it themselves via phone, and this is where I believe the problem lies. )
Product: Mortgage

I would like to bring to your attention the unethical Veteran 's Administration ( VA ) mortgage loan procedures of NEWDAYUSA mortgage company. I have had VA mortgages in the past and I am looking to refinance my current mortgage which has {$57000.00} remaining principal at a rate of 3.75 %. I answered a mailing from NewDayUSA which said NO appraisal was needed. One of the first things the agent said was " There will be a {$500.00} to {$600.00} appraisal fee, but we will pay it and add it to the closing costs. '' I was offered a 30 year {$150000.00} loan at 3.5 % to pay off the current 15 year mortgage, and {$15000.00} in other debt ; plus cash for remodeling. The agent than listed the fees and closing costs : a {$7700.00} fee that the VA supposedly charges! ; {$4000.00} escrow ; {$2900.00} title and other closing costs ; {$2100.00} fee that NEWDAYUSA charges ; {$4300.00} fee that was not explained. Total {$21000.00} in closing costs. NewDayUSA 's offer was a 30 year loan with a principal balance of only {$20000.00} more than my original mortgage principal which is a 15 year loan ( {$150000.00} vs {$130000.00} ; and payments would be {$40.00} more than my current monthly payment ). 

NEWDAYUSA is scamming veterans and needs to be investigated. I am aware that mortgage companys add costs to the loan balance but these fees are totally unreasonable. Something needs to be done.
Product: Student loan

DEPARTMENT OF EDUCATION AND OR NELNET DID NOT PROVIDE VERIFICATION OF LATE PAYMENT AND HOW IT WAS VERIFIED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed some hard inquiries that I do not recognize. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

My card was stolen and there was a fraud check cashed on my account along with some unauthorized purchases. After seeing this I immediately called chase claim department and informed them of the situation. Chase froze my account and told me to open up a new one while they came to a solution. A week later chase reversed my claim saying I benefited from the purchases or fraud check. I tried to explain to chase that it would be impossible for me to make a atm transaction in XXXX XXXX while I attend school in XXXX Texas with no means of transportation. Now my total balance is XXXX + dollars money I have never had all at once. It will be impossible for me to pay this back along side the banks normal fees. Please help me in any way possible.
Product: Debt collection

On XX/XX/XXXX Winn Law Group send me a letter on behalf of XXXX XXXX XXXX saying they are going to take action under the California las and the superior court if I dont pay the debt of {$840.00} they are going to pursue with litigation and I have to pay all the legal fees.
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, 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 or other personal consumer reports

RE : XXXX  Block Request To whom it may concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, an authorized deduction was taken from my Bank of America checking account in the amount of {$1400.00}. I filed a fraud claim with Bank of America and after their investigation, they determined this was a fraudulent transaction and they credited my account back the full {$1400.00}. I was advised to check my credit reports and after doing so, I found that Bank Of America was reporting my account as delinquent, closed and charged off. After doing some investigation I learned that I had been a victim of identity theft from the XXXX  data breach, in which all of my personal, financial and electronic data had been stolen. I also received letters from debt collectors for the Bank of America account. A dispute letter was sent to both the collection agency and Bank Of America advising them of my identity being stolen and that I had been a victim of identity theft/fraud and asked them to validate the information they were claiming and to provide me with proof that I was responsible for the charges. I never received any of the documentation I requested. I filed an FTC report, police report, ID affidavit, contacted the credit bureaus The freeze my report due to the identity theft and advise them that I was disputing the Bank of America account listed on my credit report. My other credit card accounts also had an authorized and fraudulent charges. One of my credit card companies investigated and determined that the charges were fraudulent and advised me that I was not liable for the amount from the fraudulent charges. Then in XX/XX/2020, I again had an unauthorized fraudulent deduction from my Bank of America card which again they investigated, found to be fraudulent and credited my account back the money. Bank of America is completely aware that my identity was stolen and that fraudulent charges were being made against my account, however they are doing nothing to correct my credit report, validate the charges or show my liability for the amount of the charges and now are in the process of suing me. I never received any type of correspondence from them advising me of charges to my account and I never received any bank statements because they had me on paperless. I have no reason to check my paperless statements as a believed my account was current and paid in full.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

RADIUS GLOBAL SOLUTIONS XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX To : The office of Registered Agent for RADIUS GLOBAL SOLUTIONS From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent '' that you and XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association passing XXXX XXXX XXXX private and personal information to other members, possibly resulting in identity thief. Also, relating information to personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CFR 433.2, Title 15 USC 1692, Regulation Z, Regulations M and All applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 

Govern yourself accordingly By : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX, XXXX XXXX reported additional negative information on my report I want removed.!! I never received any responses from the credit bureau. Please help I need this false information removed from my credit.XXXX XXXX below is additional information I also attached more information. 
XXXX {$550.00} {$350.00} 158 % Revolving Negative XXXX XXXX XXXX XXXX XXXX {$370.00} {$200.00} 185 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX {$980.00} {$710.00} 138 % Revolving Negative XX/XX/XXXX XXXX  XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XX/XX/XXXX {$1100.00} - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX-XXXX XXXX XXXX & XXXX   XXXX XXXX XX/XX/XXXX {$6500.00} - XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX-XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$4200.00} {$4200.00} XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX-XXXX  DEPT OF   ED/XXXX XXXX {$100000.00} Installment Current XX/XX/XXXX XXXX XXXX XXXX XXXX {$27000.00} - - Installment Current XX/XX/XXXX You have 9 Closed Accounts Account Name Balance Credit Limit Usage Type Status Opened On XXXX XXXX - {$100.00} - Revolving Paid XXXX  XXXX XXXX XXXX XXXX XXXX - - - Installment Paid XX/XX/XXXX XXXX XXXX XXXX XXXX - - 12 XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX DE XXXX XX/XX/XXXX Installment Paid XX/XX/XXXX XXXX  XXXX XXXX XXXX {$550.00} {$350.00} 158 % Revolving Negative XXXX  XXXX XXXX XXXX XXXX XXXX {$370.00} {$200.00} 185 % Revolving Negative XX/XX/XXXX XXXX XXXX   XXXX - - - Real Estate Unknown XX/XX/XXXX XXXX XXXX XXXX XXXX {$980.00} {$710.00} 138 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXXXXXX Real Estate Paid XX/XX/XXXX XXXX