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

FERPA ( Family Educational Rights and Privacy Act ) : In the U.S., FERPA protects the privacy of student education records, including financial information related to student loans. Unauthorized access to these records can result in legal consequences, including fines or loss of access to federal funding for institutions that do not comply.

Data Privacy Regulations : Depending on the jurisdiction, unauthorized access to financial data may also violate data privacy laws, such as the GDPR ( General Data Protection Regulation ) in the EU, which protects personal data from unauthorized access, or similar regulations in other countries.

Breach of Confidentiality : If the person accessing the loans is an employee or contractor of an organization ( such as a financial institution or educational institution ), doing so without permission could also violate confidentiality agreements, potentially leading to disciplinary action or legal consequences.

1. Academic Policy Violation Curriculum Requirements : Most colleges and universities have specific graduation requirements for each degree program, including the number of credits, required courses, and sometimes even core competencies. Changing your degree program too late could violate those academic policies, particularly if the new program requires additional courses or credits that can't be completed in time to meet the graduation deadline.

Eligibility for Graduation : If the degree change delays your ability to complete the necessary coursework in time for graduation, it could violate the institution 's graduation policy. Some institutions may have specific deadlines for declaring or changing a major, and failing to adhere to those deadlines could prevent graduation in the current semester.

2. Financial Aid Issues Financial Aid Eligibility : If you are receiving financial aid ( e.g., scholarships, federal student loans ), changing your degree program late in your academic career could affect your eligibility for certain types of financial aid. Financial aid often requires students to meet specific academic progress guidelines or to be enrolled in a program that aligns with their financial aid plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently conducted a review of my credit report, and I noticed that your agency showed one ( 1 ) credit inquiry that I find to be problematic. 
The inquiry in question was apparently made by you on XXXX and I have no recollection of doing any business with XXXX. 
I contacted XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,
Product: Vehicle loan or lease

I have a loan on the amount of {$17000.00} I have been making payments for {$480.00} per month for 19 months now and I still have an outstanding balance of {$16000.00}, my money has been going to only interest, if I keep on making this payments I will never pay off my car, advertising was very misleading and the sales process itself was not legit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I just found out someone was billing MY XXXX Account XXXX years ago. 
I was receiving emails to my main email account stating that I was applying for mortgages. 
I 'm trying to nip this problem in the bud, but I 'm having a hard time getting the fraud alert off the ground. 
I tried filing a fraud alert, as per https : //www.identitytheft.gov/ but once I got to Equifax 's web portal, I could n't make any headway. 
They gave me a PDF file to mail in a form. Do they not trust me online?
Product: Mortgage

My Mortgage application was rejected verbally on XX/XX/2019 by Bank of America Based on my XXXX Status the Loan Officer told me the Underwriter cant recognize me legally present in the U.S.A and she will reject my application and she already consulted her supervisors and they all agree on the statement she made and all my attempts to have a written letter failed until XX/XX/XXXX I received a letter stated Your loan is not eligible for the program for which you applied. 

I have valid Employment Work Authorization ( EAD ) issued by the XXXX and it was renewed two times, I have been employed for more than three years, filed my taxes and already provided Bank of America with the required documentation. 

HUD and XXXX XXXX both agree on the following in the guidelines The borrower must currently be legally present in the United States. XXXX XXXX considers a borrower to be legally present in the U.S. if they have the following documentation : Valid Social Security Number ( SSN ), OR Individual Taxpayer Identification Number ( ITIN ), AND Current ( unexpired ) Employment Authorization Document ( EAD ), OR Other documentation showing XXXX   status is current/unexpired ( e.g. XXXX XXXX, XXXX XXXX, etc. ) The borrower meets all other standard employment and income requirements as required by the XXXX Findings. 

I have contacted 6 other lenders and they all agree on my eligibility to apply for a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled a copy of my credit report and seen some hard inquires I don't recognize. As per FCRA Section 609 605 and 623 Please Provide record of consent for these inquiries and record of accuracy. If unable to validate or provide written records I expect removal of these inquiry immediately. 

XXXX Date of inquiry : XX/XX/2022 Please remove this inaccurate information from my credit report. 

XXXX. XXXX Date of inquiry : XX/XX/2022 Please remove this inaccurate information from my credit report. 

XXXX. EQUIFAX MORTGAGE SER Date of inquiry : XX/XX/2022 Please remove this inaccurate information from my credit report. 

XXXX. XXXX  Date of inquiry : XX/XX/2022 Please remove this inaccurate information from my credit report. 

XXXX. XXXX XXXX Date of inquiry : XX/XX/2022 Please remove this inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following inquiries on my credit report, which are unauthorized and fraudulent : - XXXX XXXX  XXXX XXXX ( Multiple inquiries on XX/XX/XXXX- XX/XX/XXXX ) - XXXX XXXX XXXX  ( XX/XX/XXXX, and XX/XX/XXXX ) - XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) - XXXX XXXX, XXXX ( XX/XX/XXXX ) - CAPITAL ONE BANK USA NA ( XX/XX/XXXX, and XX/XX/XXXX ) - XXXX  XXXX XXXX ( XX/XX/XXXX ) I spoke with a representative from XXXX who informed me that the reporting income was tied to an employer, XXXX  XXXX with whom I have never been employed. This information is not only inaccurate but also fraudulent. 

I have already contacted all three credit bureaus ( XXXX, XXXX, and XXXX ) to request the removal of these inquiries. I am asking that these fraudulent inquiries be removed from my credit report immediately.
Product: Mortgage

My husband and I started a construction loan through XXXX XXXX XXXX. In XX/XX/2016 it moved from a construction loan to a normal home loan. XXXX XXXX XXXX sold it off to Loancare. We were making our monthly payment. I asked on multiple occasions to have our payment date moved from the XXXX to the XXXX or XXXX. They kept telling me that I would have to submit the request via email. I did this on multiple occasions. We ended up getting behind. When I called to make arrangements the first time, they wouldn't let me speak with anyone because they continue to say that I am not on the loan and they can only talk to my husband. ( this is affecting my credit and it has always been a joint loan ) The locked us out of our online account access because they say we are way farther behind then we were. They made an unreasonable payment arrangement and when we request information about our account, they say we have to submit a request through email. I did finally receive a statement of our account from the beginning and if you add up the amount of payments we should have paid versus the money of money we have paid. We have paid them in full. They refuse to work with us, and just keep sending threatening letters telling us we are going to lose our home. We are willing to pay and trying our best to work with them but they are impossible. I have read reviews online and we are not the only people having ridiculous problems with them and I need help. We are never going to be able to buy anything ever again because of the damage they are doing to our credit. Yet they still claim that I have nothing to do with the loan.
Product: Mortgage

I submitted a payoff statement for a second mortgage that was attached to my home XX/XX/2020. Upon receipt of the funds, the mortgage company informed me they would be releasing the lien associated with that second mortgage ( see payoff statement.eml ). 

My new mortgage company scheduled a title signing date ( XX/XX/2020 ) for the new mortgage based upon this information. On XX/XX/XXXX, the Title company reached out to inform the new mortgage company that the second lien had not yet been released ( see attached email Title Signing.eml ) I called multiple times in XXXX ( according to my outbound call history, XXXX, XXXX, and XX/XX/XXXX ) inquiring as to why this lien was not released, but nobody was able to identify that it was not released until the XX/XX/XXXX call. At that time a rush order was placed to get the lien released, and it was released by XXXX. 

During this time, I was continuously being charged for my existing mortgage for XXXX a month. Given the dates, the mortgage extended two months beyond where it should have, as this was the only blocker from us signing with Title on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the Credit Bureaus multiple times to dispute some inaccurate accounts but have not received any correspondence from them concerning these issues. I sent letters on XX/XX/XXXX and additional letters on XX/XX/XXXX. Amounts are for {$13000.00}, {$9200.00} and {$22.00}, XXXX. I paid to have these items tracked on the second disputes because I never heard anything back and wanted to provide proof.
Product: Debt collection

We reached out to RPM LLC, Receivables Performance Management LLC, to pay a debt owed from a XXXX XXXX. We were given an offer for the debt and we paid it, the orignal debt was for roughly XXXX and we paid XXXX in the settlement offer. The very next day we saw on our credit that they put on there we owed the remaining balance of XXXX dollars. When we contacted them they said our manger has to approve and it will get updated, but there system updates every Saturday. The next 3 days they put the same amount on our credit, so its now on there 4 times, so obviously there system updates when they want it to. We try calling them and they either hang up on us, or put us on hold. This is not fair or legal practices and they should not be in business!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX CREDIT cards and XXXX  XXXX CAR LOAN Account Number : XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX to XX/XX/XXXX and they were aware. 


Account XXXX : XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I was on chat and the representative agreed to delete my late payments per me being laid off during the times and my husband death. 

Car Loan : ACCOUNT NUMBER XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX Can you please contact all 3 credit bureaus to have this removed and a new report sent to me. 

Also on all three credit bureaus XXXX and XXXX reported me late on XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX but my loans were in deferment and forbearance they lost paperwork and per them failing to update previous info., they are in violation of Section 623 ( a ) 2 ) of the FCRA XXXX I have contacted them on 4 seperate occasions. I would like those late deleted. 

Also, I would like the original signed copy of every loan that is on my report if this can not be provided, remove all of all credit reports. 

Thus I am filing this with every credit bureau and need you assistance because the credit bureaus have ignored my request on 4 occasions and have failed to supply requested documents or verify within the 30 days time frame. 



Thank You
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.

Account Name : # 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 that a consumer reporting agency can not furnish an 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

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

I'VE DISPUTED THIS INFORMATION MULTIPLE TIMES AND NOTIFIED YOUR COMPANY THAT I AM A VICTIM OF IDENTITY THEFT. YOUR COMPANY IS IN VIOLATION OF 15 U.S.CODE 1681C-2. A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE CONSUMER FILE THAT THE CONSUMER IDENTIFIES THE INFORMATION AS RESULT FROM ALLEGED IDENTITY THEFT. IT HAS BEEN MORE THAN 30 DAYS AND THIS INFORMATION REMAINS UNCHANGED. THESE ACCOUNTS SHOULD NOT BE REPORTED ON MY CONSUMER REPORT AS THEY'RE A DIRECT VIOLATION. UNDER 15 U.S CODE 1681BXXXX PERMISSIBLE PURPOSES OF CONSUMER REPORTS ( A ) IN GENERAL SUBJECT TO SUBSECTION ( C ) ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTION OF THE CONSUMER WHO IT RELATES. I HAVE NEVER GAVE ANY CONSENT TO REPORT ANY INFORMATION ON MY CONSUMER REPORT WHICH VIOLATES MY RIGHTS AS A FEDERAL PROTECTED CONSUMER. NO CONSENT IS IDENTITY THEFT. NOT ONLY DID YOUR COMPANY REPORT INFORMATION BUT YOU'VE REPORTED INACCURATELY, UNTRUE, AND INCORRECTLY. IN ACCORDANCE TO 15 U.S.CODE 1681E ( B ) - WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT, IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE CONSUMER WHO THE REPORT RELATES. IT IS APPARENT THAT THE COMPANY HAVE FAILED TO PROPERLY VERIFY THE INFORMATION THAT I'VE PREVIOUSLY DISPUTED.
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. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a 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: Payday loan, title loan, or personal loan

I have a loan with Credit Acceptance. I have always made my payments on time. For some reason, I realized that this account was tagged as Repossession. Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take a look on the account information below : CREDIT ACCEPTANCE CO XXXX Balance {$6000.00}
Product: Debt collection

I received a letter date XXXX XXXX XXXX, from debt collector Rushmore Servicing. I do not and have not had any business relationship with Rushmore Servicing. I am demanding Rushmore to cease and desist and validate the purported debt they are purporting to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company approached me to assist in getting s prescription drug, but they never provided the service. I called within months of the same year 2015. But they still showed I owed them {$25.00} which is not true. They. Annoy produce any service they provided for the {$25.00}.
Product: Debt collection

I have sent a total of four letters to the company to ask for verifiable proof ( original Consumer Contract with my signature on it ) however the company has failed to do so. The company has only sent me a bill statement as verified proof. I do not have a account with XXXX XXXX XXXX. My first letter was sent on XX/XX/2021. My second letter was sent on XX/XX/2021. My third letter was sent on XX/XX/2021. This company is reporting inaccurate and incomplete credit information. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the 3 time in less than a week, Equifax sends me a credit report with a confirmation number ( XXXX ) that I can NOT access. It tells me that my information does NOT match their records, but, all I enter is the information that's on the confirmation number, Name, Address, date of birth & social security number. This is absurd, and they are pushing to do everything online! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date Of Birth : XXXX SSN : XXXX
Product: Debt collection

Debtsy inc at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX has been sending me collection notices in the amount of {$150.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Public record information inaccurate ( bankruptcy, judgment, liens, criminal record ) -- I also have Backgrounds issues due to this mix-up. 


Public record information inaccurate ( bankruptcy, judgment, liens, criminal record ) It was brought to my attention that when applying for a job and offered the position I was later denied the position due to inaccurate felonies on my background report that was done to obtain the position. I also was informed that XXXX and XXXX have me in collection due to an account from XXXX with XXXX  which I never authorized at all It was someone who had stolen my identity he used my social to open that account in XXXX. 7 years later when applying for a job I was notified of the felonies and of the identity theft that occurred in XXXX  making XXXX  when my statute of limitations starts for legal action. I have disputed with the credit bureaus numerous times I sent disputes proof of who I am still nothing deleted just keep verifying the debt to belong to me which violates my FCRA rights. I sent a lease, social security, bill statements, Incarceration Proof, Police reports, and audio & video disputes. also certified ups mail proof from the post office with copies of what I sent when I sent it. Lexis Nexus has also publicly reported the theft all over my Lexis Nexus reports Violating my FCRA rights as well I also disputed with them and still have received anything back from lexis nexus after disputing with them. The person whole stole my identity is all over a lot of my reports the bureau arent listening and need to be held accountable asap.