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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, california XXXX Last four of XXXX : XXXX Inaccuracy in Collection Reporting and FCRA Violation Issue Description : On XX/XX/year>, I submitted formal disputes to Equifax, Experian, and TransUnion regarding two collection accounts that were inaccurately reported on my credit history : XXXX # XXXX XXXX # XXXX Status : Reported as Collection / Charge-Off These accounts contain discrepancies in the opening dates and other details among the credit bureaus, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), requiring maximum accuracy in credit reporting.

Additionally, I never authorized these accounts to be reported, which violates my privacy rights under 15 U.S.C. 1681b.

Specific FCRA Violations : 1. 15 U.S.C. 1681e ( b ) Failure to ensure accuracy in credit reports. 2. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Lack o
f a reasonable investigation, as the inaccurate information remains.

3. 15 U.S.C. 1681b Unauthorized reporting of these accounts on my credit history.

4. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) If the information can not be verified, it must be deleted immediately.

Despite my previous dispute, the credit bureaus have not removed or corrected these accounts, negatively impacting my credit score and financial opportunities.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and 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 reported to be removed/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 XXXX637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 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!
Product: Consumer Loan

I was financed by Toyota financial services XXXX@22.9 % interest my credit score at the time was XXXX and so was my cosigner low XXXX 's. the terms of the loan were for 60 months, I asked for a simple interest loan. I was told if I paid early my money would apply towards the principal balance, that did not happen, all my payments were applied mainly to interest and a very small portion to principal. During the course of my loan I did take XXXX deferments with the understanding that they would be added to the end of my loan. So my maturity date would have been XX/XX/XXXX but it ended XX/XX/XXXX. 
So each month I was paying a little more than the balance due to help prevent further interest charges, but I did not see any benefit during the life of my loan. 
Every statement did not have any late fees or " other charges '' due on my statements, then I look at my final payment on XXXX/XXXX/16 for {$3900.00}, I was appalled. Where did those charges come from? 
I inquired with Toyota Financial and they advised it was from my XXXX deferments, and interest during that time. 
{$3900.00} in interest and fees? That is unfair, unreasonable, deceptive and predatory. 
I have asked three times for my payment history and have not received it. 
I took out a loan to pay my final payment of {$3900.00} because I did not want my account to charge off or to not receive my title.
Product: Student loan

During COVID i had taken a break from studies to travel as I was affected by it. I set up auto payments to my XXXX XXXX account to pay for my loans as I would be responsible for them while I was out of the country. Upon returning I was met with delinquent charges on my credit account from a new lender, Firstmark who had bought XXXX XXXX student loans. In all my credit accounts I maintain a strong history of paying on time and I feel these delinquent charges are in error and is not my fault. When Firstmark took control of my account all auto payments went void, and within the first month of nonpayment my account went into delinquency. I received no correspondence while away. When I came back home I was able to get in contact with Firstmark after discovering delinquency on my credit report. I had to update the phone number, email, and mailing address they had on file. When I called a second time they said its been on file the correct way the entire time, which was a lie. I wanted to pay a large sum of money down and go into forbearance as I pay the remaining loan off but the terms of forbearance void any credit retraction plea on their end.
Product: Credit reporting or other personal consumer reports

Subject : Urgent : Immediate Action Required to Resolve Identity Theft and Close Fraudulent Account I am writing to express my extreme concern and frustration regarding a case of identity theft that occurred in XX/XX/year> and subsequent accounts in XX/XX/year>. Unfortunately, despite multiple attempts to rectify the situation, the issue persists with my Navy Federal Credit Union account. 
I reported this incident under the claim number XXXX on XX/XX/XXXX, and provided the confirmation number XXXX. 
To compound the matter, I recently received a dispute closure message from XXXX XXXX XXXX about a Navy Federal account that claimed the customer is not in agreement. However, no one from Navy Federal has contacted me to verify any information, leaving me in the dark about their verification process. 
Despite my repeated calls to customer care, the necessary actions to close the credit card account have not been taken, even after a month. I have also submitted an appeal, including essential documents such as the police report, FTC report, lease documents, utility bills, and driver 's license details to navy federal. 
I urgently request your assistance in closing the fraudulent Navy Federal Credit Union account and ensuring its removal from my credit report since those accounts and credit card is not mine. Additionally, please take prompt action to eliminate any associated addresses linked to the unauthorized account. 
Your immediate attention to this matter is crucial, as it has been an ongoing issue that needs swift resolution. I appreciate your understanding and cooperation in resolving this distressing situation. 

In addition bank needs to compensate me for all these mental stress and for my efforts to close the account which should not have been allowed to be created in the first place without proper verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Complaints : XXXX. XXXX  XXXX XXXX, IA XXXX Dear Madam/Sir : XXXX XXXX XXXX is still showing my account as negative and this aged tradeline has still not been removed. 

XXXX  refuses to delete the tradeline, relying on XXXX inaccurate reporting of the account. The fictitious account debt ( that I did not and do not owe ) that was originally from a delinquent debt with XXXX XXXX in XXXX that it sold to XXXX. 

As such, the debt associated with the account collections is now over 7 years old and must be removed since any debt over 7 years old must legally be removed from a credit report. 

Moreover, by furnishing false and misleading formation to the Credit Reporting Agencies, XXXX is in violation of the multiple CFPB consent orders that are currently in place. XXXX has been the subject of multiple enforcement actions by the government. 

Please ensure that the XXXX tradeline is deleted from my credit bureau reports as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two Banks stealing {$700.00} from my prepaid account XXXX and XXXX XXXX, with zero accountability. 

I was just told by XXXX that they can not access my credit file all three major bureaus are reputedly in non-compliance status they will not correct the problem. I'm being unlawfully tonight credit and improperly treated as a banking customer every single company responsible for having consumer files of any Nature has slanderous data in their files under my name and they will not correct the matter. Has been asking for the past two years to correct the XXXX information and somebody's going to get their XXXX sued.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised in the Equifax data breach which reportedly was discovered on XXXX XXXX, 2017 - the compromising includes my home address, telephone, SSN, DOB, license number, and potentially more harmful information. I have since placed a freeze on my accounts at the major credit agencies.
Product: Mortgage

CASE # XXXX an application for assistance was completed with Mr. Cooper ( MC ), in XX/XX/2018. At that time the reported gross qualifying was stated in the amount of {$7300.00}. 
MC, underwriting team attempted to qualify the loan for whats known as the HAMP-FHA, trial plan on XX/XX/2018, which outlined an alleged affordable payment in the amount of {$2500.00}. 

However, based on front end debt to income ( DTI ) ratios a gross income of {$7300.00}, and a mortgage payment of {$2500.00}, calculates our DTI, at 34.82 %. This amount of 34.82 %, is outside the guidelines set forth by FHA and placed our family into a negative position for successfully completing the trial plan and maintaining payments for the long run. Also please note that at the time our loan was approved for assistance our back end DTI, was calculated at 91.13 %. As a result of the gross negligence demonstrated by the MC, underwriting team, and failing to comply with the terms of loss mitigation options under FHA guidelines, we were only able to make 2 of the 3 trial payments prior to dropping out of the program. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) has specific guidelines for FHA debt-to-income ratios. XXXX is the government entity that establishes all of the rules and requirements for the FHA loan program, including the DTI limits. According to XXXX : " Qualifying ratios are used to determine if the borrower can reasonably be expected to meet the expenses involved in home ownership, and provide for his/her family. '' 2018 DTI Limits for FHA Loans : 31 % on the front end. The guidelines also specify that back end DTI should not exceed 43 %. According to official FHA guidelines, borrowers are generally limited to having debt ratios of 31 % on the front end. Those are the current FHA DTI ratio limits for 2018. Currently these requirements to remain in place throughout the year, since HUD has not announced any changes to them. This means the monthly housing payments should not exceed 31 % of gross monthly income, while the total debt burden should not exceed 43 % of monthly income. 

Needless to say, we are furious that our loan was mismanaged by MC and staff and our family is considering filing a civil suit in order to force MC, to refrain from this abusive underwriting platform which they operate under as well as have our loan reconsidered for assistance under the proper guidelines set-forth by our loan investor, FHA.
Product: Mortgage

I have had my current mortgage for about 10 years, Originally with XXXX, then it moved to XXXX XXXX XXXX who then sold it to Nationstar mortgage. Nationstar has been a hassle from the beginning, charging money to pay online from the beginning. After a few months they made the pay online fee only assessed if you paid after the XXXX day of the month. However, original loan agreements did not provide for these additional charges, saying that late fees would be assessed if not paid by the XXXX of the month only. Although annoyed, I did not complain until suddenly in a website upgrade, they are not asking me to enter my social security number to access the web pay option, and charging me from {$14.00} to {$19.00} to pay electronically by phone. If I want to talk to an agent, they threaten to charge me even more. I am certain that I have paid additional fees of XXXX dollars for these policies and I am fed up with it. I hear horrible stories from people who are trying to pay off mortgages through nationstar, and from people who are attempting to refinance their nationstar loans. I do not trust them, and am honestly fearful of dealing with them. I have always paid my mortgage on time, never once a late payment. They harass me with phone calls and mailers constantly trying to encourage me to refinance, but I would never want to refinance through them. I tried to refinance through a local lender this last year, but have not got a good enough debt to credit ratio or credit score to qualify for such a good lender. I feel taken advantage of for having been given a loan before the great recession, but have not been able to qualify for any government help because I have too " good '' of a equity to mortgage ratio, not being underwater, or late on payments, or making too much money to qualify, even thought I am a single mom who has been trying to raise XXXX boys in a single family home all by myself. Ultimately I want nationstar to take down the requirement for entering a social security number in order to access their website, and would love to see them have to refund all those obnoxious web payment fees back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 



XXXX XXXX XXXX Opened XX/XX/20 XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY : XXXX XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Vehicle loan or lease

XXXX XXXX XXXX Santander consumers XXXX XXXX XXXX XXXX , XXXX XXXX XXXX. Tx XXXX account XXXX i know they was in lawsuit any my car loan was in that car lawsuit due to over charge and other things. I want what is due on my credit report. Clean this up. Santander was bad loan decision misjudgment, gaffe, misstep to all who purchased a car in that time. I am one who got BAD DEAL
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection

On Friday XX/XX/year> I've sent a certified letter the the company asking to validate this debt. I've never received a correspondence in regards to this debt. 

I'm unaware of this debt. If you feel this is my debt. I've never was given the proper notification regarding this debt and or the opportunity to dispute this debt. If you fell like this debt belongs to me please send me a certified copy of the proper notification, proper receipt with my name on it and signature.
Product: Credit card or prepaid card

On XXXX I received a charge of {$100.00} for XXXX XXXX and an {$8.00} XXXX XXXX XXXX fee. The {$100.00} charge was credited the same day but the fee was not reversed. I did not make this charge and have never used the service so I filed a dispute with the card issuer. I called back after the 90 day window ended to follow up on the status of my dispute as I had never received an update. When I called I was told that my dispute had been closed and fees do not get reversed, even if they are associated due to fraudulent charges. In the cardholder agreement it only says that fees are not reversed in the event of a return. There is no mention of the customer being responsible for fees due to fraud.
Product: Debt collection

OBTAINED CREDIT REPORT, NOTICED COLLECTION AGENCY SENT CESE AND DESIST XX/XX/XXXX XXXX XXXX XXXX AND XXXXXXXX XXXX XXXXXXXX THIS COMPANY SENT CORREPSONDANCE ALL THREE MONTHS TOTALLY IGNORING THE CEASE AND DESIST LETTER THE DEBT DOES NOT BELONG TO ME AND THE COMPANY HAS NOT BEEN ABLE TO PROVIDE ME DEBT TO SHOW OTHERWISE. FCRA AND FDCPA VIOLATION THIS ACCOUNT IS STILL REPORTING ON MY CREDIT REPORTS AND COMPANY IS STILL CONTACTING ME VIA WRITTEN AND BY PHONE
Product: Credit reporting

Wrong Address also XXXX report had wrong year of birth also had myself listed as XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  keeping my old ( 10 years old ) credit card that was unpaid due my hard time in college. A statute of limitation in Massachusetts Maxing all your dept on credit report up to 6 years General Laws Part III Title V Ch. 260-2.  Please have them remove it because it damaging my score for life and violating my civil financial rights.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous disputes submitted on dates XXXX/XXXX/2024, XX/XX/2024 and XXXX/XXXX/2024 regarding fraudulent accounts that remain on my credit report despite clear evidence provided that they are not mine. I have attached copies of my original dispute letter and supporting documentation for your reference. These accounts in question are as followed ( see attachment ). Under the fair credit reporting act ( FCRA ), the credit bureaus are required to conduct a reasonable investigation of disputed items and remove unverifiable or fraudulent information. To date I have not received a satisfactory resolution or explanation regarding these disputes. As further evidence of fraud, I have included a copy of my driver license, proof of address, and FTC identity theft report. Please conduct a thorough investigation into these accounts and provide a written explanation of the steps you have taken to verify their accuracy. If the accounts can't be verified, I request that they be promptly removed from my credit report. Failure to address this matter promptly may result in other appropriate authorities. I look forward to your resolution of this matter, Please provide a response in writing within 30 days, as required by the ( FCRA ).
Product: Mortgage

I HAVE TRIED TO ADDRESS THIS ISSUE WITH YOU SEVERAL TIMES BANK OF AMERICA FORGED DOCUMENTS WHEN REFININACING MY LOAN AND LIED ABOUT OUR FINANCIAL STATEMENT IN ORDER TO APPOVE THIS LOAN WITHOUT OUR KNOWLEDGE. I HAVE FILED 2 COMPLAINTS WITH YOUR AGENCY WITH NO HELP FROM YOU AT ALL! WE HAVE NEVER RECIEVED A RESPNCE FROM BANK OF AMERICA THEY CALLED AND SAID THEY SOLD THE LOAN SO IT IS NO LONGER THEIR ISSUE, WHEN THEY FORGED THE DOCUMENTS, IT WAS WITH BANK OF AMERICA. 

IF YOU CAN NOT HELP CONSUMERS AGAINS FRAUD FROM BANK AND THEIR LOANS THEN WHO CAN? WHO HAVE DONE ABSOLUTLY NOTHING ABOUT BANK OF AMERICA COMMITTING FRAUD!
Product: Debt collection

From : XXXX XXXX Sent : Thursday, XX/XX/2021 XXXX PM To : XXXX XXXX Subject : XXXX : Docket Number- XXXX : - XXXX XXXX ID : XXXX Case Number- XXXX Account value : {$580.00} Late payment costs : {$100.00} Interest cost : {$63.00} Total Debt : {$750.00} Your unpaid debt amount of {$750.00} to XXXX XXXX XXXX ( Speedy Cash ) from today we have passed your case you will not ignore this final reminder. To save yourself the inconvenience of court actions, we kindly suggest settling the total amount of debt and additional costs as soon as possible to court. So these legal proceedings were issued on your docket Number XXXX with one of XXXX XXXX XXXX XXXX in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. 

This is all about a payday loan which was borrowed by you from one of our sub payday loan companies. There are so many payday loan websites like XXXX XXXX XXXX, XXXX  XXXX XXXX, Speedy Cash, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and so on. You have logged on to one of the sub payday loan websites and given your identity proofs, Banking information, personal information to borrow loan. 


As you are aware the above account remains unpaid by you. Despite numerous reminder telephone calls requesting payment of this account but we were unable to reach you by phone so we can send you a final reminder email.
Product: Checking or savings account

Bank of America is stealing money from my savings account without my authorization.And ALSO XXXX TRANSACTIONS WERE SENT TO WRONG PEOPLE BY ERROR AND BANK OF AMERICA COULDNT GET MY MONEY BANK