23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have an opened complaint as well to the U.S. Department of Education as well.. 
I have had issues both with XXXX and Navient once they took over, first issue was they had the wrong graduation date as XXXX XXXX instead of XXXX XXXX which caused them to put me in a forebearance while I was still in school. Second issue I could not make payments online until my Loan was current and up to date by calling in payments, they would only apply the payments on some of the loans, causing late fees in others. Third issue they will mail me documents which never arrived. Fourth issue was sending letters to relatives saying they could n't get a hold of me when I 've been in contact with them weekly. Fifth they could n't keep track of my records when I put in a research request I would continue to get phone calls, and then the representative would then notice it was in a research status .The last representative said there was no such thing as a research status, and if so I was not notified that the research status ended. They emailed me a document which then never showed in their system until I spoke with a representative, they then re issued the document with a new date. Went I applied for a home loan, my loans did not match what was being reported on my credit report. I have documentation to back up some of these claims as well as other smaller issues. Constant harassing while I was n't in school 3 to 4 times a day different phone calls, bad record keeping, loans I do n't even know about.
Product: Payday loan, title loan, or personal loan

Greetings i am making this complaint on my own accord and will. No third party is involved in the creation of this complaint. 

I XXXX XXXX, consumer, natural person, and original creditor of an open end credit plan, was denied my right of credit by Springleaf XXXX XXXX XXXX d/b/a/ OneMain Financial. I was informed of this trespassing against my rights specifically 15 U.S.C. 1601 - Truth In Lending Act by Springleaf XXXX, XXXX XXXX OneMain Financial on XX/XX/2021. According to 15 U.S.C. 1602 definitions of the Truth In Lending Act, I as a natural person possessing an open end credit plan was harmed by Springleaf XXXX, XXXX XXXX OneMain Financial with the adverse action taken against me denying me my rights of which civil damages pursuit to 15 U.S.C. 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to { {$5000.00} }. 
Springleaf XXXX, XXXX XXXX OneMain Financial is now civilly liable to pay me for the damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite all my efforts to contact the Credit Bureaus to correct my Credit Report, it is clear that the Credit Bureaus have have failed to pay heed to my disputes. I previously sent a letter addressed to the Credit Bureaus dated XX/XX/XXXX with complete attachments of my personal information and have waited for them to respond. I have been waiting for quite a long time now and I came to a conclusion that the Credit Bureaus have ignored my written appeals. It is as bright as daylight that the Credit Bureaus have violated the Fair Credit Reporting Act section 605b which states that the Credit Reporting Agencies are required to remove any account and information that resulted due to Identity Theft. I am disappointed to see that the Credit Bureaus have done nothin to correct my Credit Report and continued reporting false information without proper verification. I previously submitted a complaint about this matter and I am submitting this complaint once again hoping that the Credit Bureaus would finally take action and have the disputed items deleted as soon as possible. I need the following items removed from my Credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried opening an account with XXXXXXXX XXXX  and while opening it, they restricted my account before i could use it at all. I called to see what the issues were and they transferred me to XXXX XXXX XXXX so i could find out what's going on and what's the reason for this to be happening. XXXX XXXX XXXX sent me a disclosure on the reason why I've been restricted to my account and as i look at the report I'm very furious, upset, and mortified at such thing I've been a victim of fraud and identity theft i don't recall opening that many accounts and I would never do such a thing. The account that i don't recall opening that's showing on my report are BANK OF AMERICA, XXXX XXXX, BANK OF AMERICA GEORGIA, XXXX XXXX XXXX, and. Now I'm stuck with this outrageous problem that will probably cause me some trouble in the future. Could you guys please give me a call back at ( XXXX ) XXXX please and thank you because i really need to get this mess resolved immediately.
Product: Mortgage

I was working with XXXX XXXX XXXX XXXX , XXXX to close on a house we were interested in. Total loan amount was XXXX. The appraisal came around XXXX which makes our ltv around 83 %. I was advised that once I reach 80 % of the appraised value i can get rid of my pmi which is around {$230.00}. When checking the loan docs, it stated that pmi can be taken away when ltv reached 80 % of original purchase price. When questioned abt this I was reiterated this multiple times that the pmi will go away once i make payments to reach 80 % ofthe appraised value. 
One month after closing, i was informed that the loan has been transferred to wells fargo. When i called them to inquire abt making additional payments to reach 80 % ltv, i was cited the loan docs and was told that ltv is calculated based on original purchase price. They said thats the terms of the loan that was transferred an that i should talk top interstate home loan regd that. 
There was no response from the firm. My loan agent from XXXX, XXXX XXXX wouldnt return my calls. Somehow managed to reach someone from iXXXX XXXX XXXX where i was told that XXXX is no longer with them. And that they will get back to me. No one has reached out to me yet and I'm being forced to refinance increasing my total loan amt by atleast XXXX. My latest appraisal evaluates my home value at {$290000.00}. Which makes my ltv around 74 %.
Product: Payday loan, title loan, personal loan, or advance loan

I called to ask of why the website was showing I had a past due payment after I made a payment. They informed me my billing had changed and later I found it was a late fee added after several calls because it keep saying past due when I paid. No notification of fee was mailed to inform me nor was an explanation on the website. I called and told them that was a violation of my consumer rights and I would complain because I wasnt notified. They then penalized me by removing my access to view my account online I no longer could make a payment I thought that the website was down until I called and was told I was deactivated because I threatened to complain and call a lawyer because my rights were violated. Now because I had no notification of being deactivated I am late making a payment because I dont get paper statements due to no fault of my own. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Need to file a class action lawsuit to put this company out of business they are bad for the consumer.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed several fraudulent accounts and inquires on my on my file. Please remove these accounts from my report, they are hurting my ability to obtain credit. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX working in concert with XXXX stated on multiple occasions that if I refinanced my VA loan that after 6 months my mortgage loan rate would go back to my original loan rate of XXXX percent from the XXXX percent. This was said by XXXX at XXXX and then again by XXXX at emortgage. After speaking with XXXX capital the gentleman that didn't give me his name said this is a common problem. So I did some research XXXX capital has been fined in the past for doing this exact same thing to veterans a protected class then hiding behind paperwork no one but a lawyer can understand. This company has made a living defrauding veterans and I am fully prepared to file a lawsuit. Class action if needed for all of the points I paid equaling over XXXX and all interest they would have collected over time. XXXX constantly " Checked with the lender '' which was village capital. They can either pay me back my XXXX and put my interest rate at XXXX what it was before I refinanced which I would of never ever ever let go or I can file a formal complaint in court and with the VA and I will make sure they can never underwrite another VA loan or defraud another XXXX veteran ever again. 
Loan : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Neither myself nor mortgage lenders are able to access my EQUIFAX report. They are stating inconsistencies with my address as the reason. I live in an apartment complex that does not have mail service. Because of this, I receive my mail at a po box . I have contacted the company on 5 separate occasions spanning 4 months and each time I have received a different response. I have submitted the requested documents to verify identity and address but am still unable to access my report.
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 the disputed information on my credit report, leaving inaccurate or unverifable 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.
Product: Debt collection

I have a pending Complaint I recently file with you concerning a defective XXXX XXXX  bought from XXXX XXXX XXXX XXXX. 
I have been receiving repeated collection calls and today I received a letter from Diversified Consultants the collection agency that has been calling and harrasing me about a bill I don't owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has mishandled my information and did n't notify me of the illegal release of my personal information, I found out via social media. I had to go to their poorly made response site to verify that I was indeed a victim, and the whole ordeal has cost me several hours, soaking my time and money to deal with securing my credit profile. Additionally, their egregious negligence will continue to cost me time and money in the long term, as my most sensitive personal information has been illegally released and will likely take the rest of my life to monitor for fraudulent activity. 

This is an undue burden from a company I have never chosen to do business with ; they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Product: Credit reporting or other personal consumer reports

This collection was previously removed by the CFPB and it's reappeared on my report under a new collection agency. Sunrise Credit Service has fradulently attached an XXXX XXXX collection account in the amount of {$1700.00} to collections on my XXXX credit reports. It was removed from my reports in XX/XX/year> and then fradulently reaattached to my credit reports. 

I am a real estate professional and this fradulent activity has cost me tens of thousands of dollars in income
Product: Credit reporting or other personal consumer reports

As a federally protected consumer I have multiple inaccuracies, 15 USC 1681. reporting to the XXXX major Credit Bureaus XXXX XXXX XXXX Experian and XXXX XXXX I have reached out to all said corporations and agencies documented on this consumer complaint document, for the last XXXX months XXXX to XX/XX/XXXX and as far back as XX/XX/XXXX with several registered letters. I have been ignored and the emotional and financial stress it has applied to my life has limited my ability to live a safe, healthy, and prosperous life. I have been consistently denied essential necessities such as credit, automobiles, and loans due to the consumer abuse of the agencies and corporations alike. My life and ability to function sufficiently has been severally damaged because of these illegal actions, I can not get anything. My identity has been stolen and used inappropriately 5 USC 522a. 
PRIVACY ACT OF 1974 My non-public personal information has been shared with third party companies and agencies such as XXXX, Experian and XXXX. 15 USC 6802 6805 The limits on disclosure of nonpublic personal information to nonaffiliated third parties-16 CFR 313.10
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

The following inquiries do not belong to me and should not be 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
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}, {$600.00}, {$1200.00}, {$560.00}, {$190.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 

-ACCOUNTS- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$600.00} -This is not my account. 


-STUDENT ACCOUNTS- 3. XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1200.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$560.00} -This is not my account. 

-COLLECTION ACCOUNT- 5. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$190.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Dear CFPB, - My name is XXXX XXXX XXXX. I have a hard inquiry on my XXXX  credit report from XX/XX/XXXX. Its a fraudulent inquiry. I did not authorize this to show up on my credit report and did not apply for a cfna account. On XX/XX/XXXX I called XXXX and spoke to XXXX. XXXX cancled the application and submitted a request to remove the inquiry from my credit reports. After waiting over 3 months, the inquiry is still on my credit report. I have made multiple attempts to dispute this with XXXX and they are refusing to delete this from my credit report.They told me its off of my report and sent me a credit report that shows the inquiry is still on there. Please assist me with getting this hard inquiry removed from my XXXX  credit report. I also have the same XXXX hard inquiry on my equifax report from XX/XX/XXXX. Equifax has promised to remove the inquiry multiple times. They have already confirmed they recieve the request and its still on my credit report. 

- I already filed a complaint with the cfpb against equifax on XXXX. Both credit agencies responded to the cfpb that the inquiries from XXXX have been removed. I checked my credit report in XXXX and found the XXXX inquiry is still showing on equifax and XXXX. Furthermore, I order my credit report with equifax on XXXX  XXXX XXXX  and its still showing on there as well. I've attached a screenshot of both reports showing the inquiry. Both of these reports are my most recent report. I'd like these to be removed. Thank you for your help. 

Best regards, XXXX.
Product: Credit reporting or other personal consumer reports

I have been a victim of the XXXX data breech in XXXX & the XXXX XXXX XXXX data breach 's of XXXX & XXXX. As a result there are accounts on my credit report that I did not open, nor did I authorize anyone to open on my behalf. On XX/XX/XXXX I mailed over a certified letter with my SSC Card, Driver 's License, & Utility Bill requesting removal of these accounts that were not owned by me. On XX/XX/XXXX this letter was signed and recieved. The response to my written request was " Accounts returned as verified ''. On XX/XX/XXXX I provided subsequent written correspondence requesting debt validation letters showing my signature via written or electronic. This debt validation letter was never provided, nor did the information provided match any of my verifiable data in violation of ( FCRA ) Section 623 ( a ). On XX/XX/XXXX I sent a final demand requesting the erroneous accounts be removed from my report before filling litigation for damages as a result of violations 607 ( b ) of FCRa.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again.XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1800.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$280.00} ; XXXX XXXXXXXX Balance : {$7800.00} ; XXXX XXXX Balance : {$680.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX SC XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Debt collection

This debt has been with another collection agiency, when I requested proof from the previous agiency, they sent no contract and the bills they sent did not have my new name on them. I was married on XXXX/XXXX/2012, a couple of weeks later my name was changed at the XXXX XXXX XXXX XXXX off of XXXX XXXX in XXXX Virginia and my new social security card, new drivers license, and marriage certificate ( that is filed with the XXXX XXXX Court House and im sure a copy can be requested by any party ) and all cards were re-issued with the new married name. The bills I was shown by the previous creditor showed bills in my maden name after that date and still said another name for a long time after my name was changed on all my accounts with XXXX XXXX XXXX. I had new cards issued in my maden name that does not match the bill, no contract has been shown to me, not even the documents I signed with the bank to change my name.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXXXX/XX/year> XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I was informed on XX/XX/2024 that my Sofi Checking account was frozen. I then called the support on XX/XX/2024 and they were unable to assist me. They had stated that they were investigating the account and that there was no timeline available. The only funds that I had in my account were from direct deposits from my employer. I am still not sure why my account was frozen as they refuse to give me answer. I dont think this is legal and I have never run across this issue with any other bank. My account has now been frozen for two days without resolution.