23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX ( Reporting on XXXX and XXXX ) XXXX Errors ) XXXX XXXX ( All XXXX ) ( Errors ) XXXX XXXXXXXX ( All XXXX ) ( errors ) XXXX XXXXXXXX ( all XXXX ) ( errors ) XXXX XXXXXXXX ( all XXXX ) ( errors ). 
XXXX XXXX ( all XXXX ) ( errors ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ( XXXX only ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) ( XXXX and XXXX XXXX These need to be removed from my credit report because the violations as my rights as a consumer. 


. ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and 88 623 - 15 U.S.C. 1681s-2 ( ii ) the information is, in fact, inaccurate
Product: Vehicle loan or lease

I am with Credit Acceptance they take XXXX every XXXX weeks which is XXXX monthly. I have started this loan on XX/XX/22. They dont offer refinancing and I do believe that I was tricked into it by the dealership and I am looking for a lawyer
Product: Credit reporting, credit repair services, or other personal consumer reports

This continues to be an " ongoing '' complaint I have submitted against TransUnion concerning my XXXX XXXX acct. TransUnion continues to show me as having a high balance around XXXX but it was due to the reduced overall credit limit by the company that was the holder XXXX XXXX XXXX XXXX ) I called the bank and they were unable to correct because they sold the account. I contacted XXXX XXXX to update and report that my high balance was actually XXXX with a XXXX dollar balance. TransUnion also did not correct my payment XXXX I do not pay XXXX but always XXXX dollar payments per month. I currently now have a XXXX XXXX XXXX that should not be for I have not requested credit and I paid off two major accounts totaling close to XXXX XXXX XXXX and XXXX XXXX XXXX in XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

Being retired, I depend on interest I earn on balances I keep with online banks. I recently applied to open an online banking accounts with XXXX, a division of XXXX XXXX XXXX XXXX XXXX paying 2.25 % p.a. interest. 

XXXX advised be by email that I was turned down and mailed me a letter which I am attaching to this complaint. The Notice mentions that the Bank obtained a report from Transunion. My credit score having never been under 800 and currently hovering at XXXX, obtaining credit was never an issue. In this instance, I am not even establishing a lending relationship, but a deposit account. I have several other online bank accounts. I have no debts or mortgages. 

After obtaining my Transunion report online, and finding nothing damning on it ( quite the contarry, I spoke to Transunion who agreed with me ( well, someone at a call center in XXXX agreed with me ) and asked me to call XXXX. 

I spoke with XXXX and I was told there was an alarm in the report they received from Transunion. Since I can not see anything alarming in my Transunion report, and neither apparently can Transunion, I feel powerless. 

I appeal to CFPB to contact Transunion and XXXX to resolve what is a mystery to me. Thank you in advance. I am attaching documents in support of everything I have mentioned above. 

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

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted major concerns regarding Equifaxs failure to conduct proper investigations. The CFPB has alleged in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, failing to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a complete reinvestigation of disputed items within 30 days. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), any inaccurate, incomplete, or unverifiable information must be corrected or removed promptly. Failure to comply with these requirements constitutes a violation of federal law. 

I am disputing the following unresolved negative items on my credit report : Former : XXXX XXXX XXXX Despite my repeated disputes and submission of all necessary documentation, these items remain unverified. This inaction has caused significant financial harm and emotional distress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.
Product: Mortgage

Out of work due to covid-19 and can not afford to make mortgage payment on XX/XX/2020. Pennymac mortgage lender is only offering their forbearance program where at the end you pay back all missed payments upfront, increase your home loan until the payments missed are paid back or forced to change your home loan to a higher interest rate or 40 term loan. No deferment option available. It seems like the lender is profiting off of a pandemic and not actually trying to help their clients. My wife is out of work and XXXX, I am XXXX and have a XXXX. Being expected to just financially be able to afford a higher mortgage or higher payments in 3 short months is unreasonable in this time and a deferred payment option should be available, just like other lenders are doing and loan payments are doing. After speaking with customer service the lack of care for their clients staying in their homes is apparent.
Product: Credit card

Billing Error amount of {$2400.00}. XXXX of the errors are late payments, under an open-ended consumer credit plan, which is against the law. The next one is security fraud. They are never credited my account for certificate of indebtedness. The company did not credit my account for dividend payment that they have made off my treasury coupon. Via Electronic Transfer Act of the interest of my coupon. My billing dispute past, current or future certificate of indebtedness while under this contract. Also want my securities sent to me via check.
Product: Debt or credit management

My identiy was stolen and I am writing to dispute fraudulent charge ( s ) I am a victim of identity theft, and I did not make [ this/these ] charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 

Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter and send me a written explanation of your findings and actions. 


my Rights are being violated I don't not agree with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-moved. These inaccuracies are highly injurious to my credit rating. I have been turned down for job opportunities and I am looking to purchase a home soon. Please help me remove these inaccurate items, -re-investigate and verify all data for this account is reporting accurately 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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts and inquiry are Fraud : XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX : XXXX XXXX of XXXX : XXXX Contact : Not Available XXXX. XXXX : XXXX XXXX of XXXX : XXXX Contact : Not Available XXXX. XXXX : XXXX XXXX of XXXX : XXXX Contact : Not Available XXXX. XXXX : XXXX of XXXX : XXXX Contact : Not Available XXXX. XXXX : XXXX of XXXX : XXXX Contact : Not Available XXXX. XXXX : XXXX XXXX of XXXX : XXXX Contact : Not Available XXXX. Inquiry : XXXXDate of Inquiry : XXXX Contact : Not Available Credit Agents stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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, credit repair services, or other personal consumer reports

i have disputed the accounts multiple times with Experian, XXXX and XXXX stating that the accounts are closed and the balances are paid which were included in a discharged bankruptcy over 10 yrs ago. and the accounts are still reporting negative on my credit reports i will like for the credit agencies to REMOVE THE INACCURATE ACCOUNTS FROM MY CREDIT REPORTS.
Product: Credit reporting or other personal consumer reports

I NEED THESE ACCOUNTS TO BE REVIEWED AND DELETED I CAN NOT HAVE THEM ON MY REPORT BECAUSE SOME OF THESE ACCOUNTS HAVE LATE PAYMENTS WHEN I HAVE NEVER PAID LATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Inquiry XXXXInquiry XXXX-Inquiry XXXX XXXX - Incorrect XXXX XXXX - Incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 2023, a hard inquiry was made on my account and when i found it I reported it within the 1st day. I talked to the XXXX XXXX XXXX XXXX department and they confirmed someone tried to open a credit card account in my name but it got rejected, and was also told that they would report that it was a fraudulent inquiry to the credit companies and I asked if I was going to get a confirmation letter, I was told yes. Its been 60 days and no update, no letter from neither and I called transunion to see if they was notified and the XXXX XXXX department today to follow up about the letter but they hang up on me when I get to that point. Please step in
Product: Mortgage

My mortgage company charged me {$10.00} to make a payment online. Just a regular payment. It was called a one-time payment fee. Im being charged just for paying in full and on time ... .how is this legal? 

Company : Lakeview Loan Servicing
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is saying I was late with a payment in XX/XX/2018 when I was not, my payment was made on time and should reflect in my credit report. Something was wrong with there payment system at that time and the XXXX app was not working properly. 

I hope youre doing well today. My name is XXXX XXXX, and Ive been a satisfied customer of XXXX for years. Ive always made my payments on time, but unfortunately, something made a mistake in XXXX of 2018. 

I understand how important it is to make timely payments. However, some kind of error or mistake happened. But Im confident this wont happen again. As you can see from my credit history, I have a long record of on-time payments before and since the late payment. I have even paid off my entire balance at one time. 

As a courtesy, I respectfully request that you make a goodwill adjustment to remove the late payment on XX/XX/2018. Please consider my track record as proof that I take my financial obligations seriously. 

If you have any questions, or if you would like to speak with me in more detail, please call me at my home or send me an email at XXXX. 

Thank you for your consideration,
Product: Credit reporting or other personal consumer reports

These inquiries have been added to my credit report without my authorization! 

CHRYSLER CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed them and they remain on my credit report!
Product: Credit reporting or other personal consumer reports

I tried to obtain my three XXXX on XXXX on XX/XX/XXXX and tried again on XX/XX/XXXX and the only one I was able to obtain was XXXX. The other ones flagged me for not being able to identity myself. The answers I gave were correct to my knowledge. I originally went to obtain these reports through identitytheft.gov due to someone taking my taxes the last three years and someone opening continuous fraudulent bank accounts, checking, saving, etc., etc. in my name the last couple years. I need this proof to also submit to a XXXX data breach which was where my taxes for XXXX, XXXX, and XXXX were deposited into with a fraudulent account. I've been waiting for a while now, so if you can assist me and help me that would be awesome. Thank you.
Product: Student loan

Approximately two years ago and recently, I acquired with Navient about lowering my student loan payments. They insisted they could not do this because the rates they charged must be consistent with what the federal government wanted them to charge for my student loan. Also I was told I had to have a specific type of repayment plan, just to be qualified for public service student loan debt forgiveness? This I find appalling and unacceptable. Navient should not be able to make faulty profit off of our hard earned dollars as a student or former student. I am requesting that their claims of following government rules and charging mass amounts of interest be looked into. I also have reservations as to how my loans were handled with my XXXX XXXX XXXX XXXX College, whom that branch has been closed down for two years due to losing their accreditation? Please look into this matter and advise on next steps or options. Many Thanks,
Product: Credit card or prepaid card

The credit card company has denied my fraud dispute. They gave no explanation .They arbitrarily denied my claim.
Product: Checking or savings account

I am not able to link my bank account to a third party services like XXXX, XXXX.
Product: Money transfer, virtual currency, or money service

Could not integrate capital one account to XXXX XXXX.
Product: Debt collection

I contacted all 3 credit bureaus regarding wrong information in my credit file. I even submitted a copy of my identity theft affidavit 40 days ago and these companies are still refusing to remove negative and inaccurate information from my credit file.
Product: Credit card or prepaid card

I purchased 2 vanilla gift cards/Visa. They were stolen from my wallet. I am trying to report them stolen and get new cards. After hours on hold I gave the vanilla gift card person the serial numbers for the cards. I have the receipts for the purchase of the cards ( originally {$500.00} each ). The person wanTed my birthday and a color copy of my driver 's license and a bill showing my address. As being the victim of prior identity theft I did not give those items. Personally i believe that in house person is gsthering information to sell or to create fraudulent activity. What do I do now? Thank you
Product: Checking or savings account

I currently bank  with WellsFargo and i use the app   XXXX   XXXX   to get paid daily for everyday i go to work.my bank is refusing to allow   XXXX   XXXX   update reports about my banking information. They authorized and update their info to active hours every 24 hours.   XXXX   XXXX   requests my bank info like balance etc to be updated every hour. Its an automatic system so whats the trouble right? Well they still only send updates to the app every 24hrs so thats n y complaint
Product: Credit reporting

I have informed Experian many times that the following addresses do not belong to me : XXXX XXXX XXXX North Carolina and the XXXX XXXX in North Carolina ( Please remove ). 
Also, I have informed them that I am a victim of identity theft. So the inquiries should be remove since I did not authorize them.
Product: Credit reporting or other personal consumer reports

please I need help they put my name on someone car and my credit scores going down every day and i dont know what to do because they said they can't do anything
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously notified Experian that I am a victim of identity theft. Please see attached FTC, Identification and a copy of my social security card
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account type : Collection/ unauthorized Account opened : XXXX Past due amount XXXX Updated:XXXX 1 late payment As I expressed I have no acknowledgment of this account a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] Please remove this account!!
Product: Credit reporting or other personal consumer reports

I recently reviewed my Equifax credit report on the XXXX XXXX platform as well as the XXXX three bureau report and there is an account from XXXX XXXX XXXXXXXX that is not mine and showing on my report. However, when I review my report on the Equifax website, the account in question is not there. I have attached copies of the report from XXXX XXXX and XXXX for review as well as a full Equifax issued credit report. I am concerned that these other credit report platforms are including this erroneous information in their reports. Where are they getting this information from?? Is it possible there is a split file and this account is erroneously being reported? 

The account details are : XXXX XXXX XXXXXXXX : XXXX XXXX XXXXXXXX DATE OPENED : XX/XX/XXXX BALANCE UPDATED : XX/XX/XXXX CREDIT LIMIT : XXXX HIGH BALANCE : XXXX
Product: Student loan

On XX/XX/XXXX, after the XXXX injunctions went into effect, I uploaded a manual application to Nelnet seeking to be placed on a different plan, specifically the XXXX plan. After the application was pending for well over a month, they just put me back in the XXXX plan, despite that I selected boxes for either XXXX, or XXXX, whichever was cheaper. 

When I called to protest, they claimed I filled out the app wrong and that the " cheapest '' was XXXX ( which makes no sense, since I was already IN that plan ; why on Earth would I place an app to be put back into the plan that isn't moving and I'm already in ). Rather than reach out to me to answer questions, they did the OPPOSITE of what I asked for.

Upon hearing this, I filed a new App, using the Dept of Ed website. I completed that app on XX/XX/XXXX. Nelnet did nothing with it and when I called weeks later, they claimed they didn't receive it, despite that I did it as instructed through the govt sites. 

I then, on XX/XX/XXXX, submitted a THIRD application. I submitted it both through Dept of Ed AND manually on the Nelnet site. 

Since then, every time I call, they give me the same tired spiel about SAVE litigation ( which does not impact XXXX and NEVER DID! ) and claimed they either could not process my app, or that it was in review. 

Today, XX/XX/XXXX, I got the same spiel, AGAIN, where Nelnet blames the Dept of Ed for THEIR actions, despite that the Dept of Ed has been ALLOWING XXXX APPLICATIONS SINCE AT LEAST XX/XX/XXXX. Nelnet is trying to claim, now, that the Dept of Ed only started allowing XXXX apps to be processed as of XX/XX/XXXX. This isn't true. Although the DOE reopened XXXX OTHER payment plans on XX/XX/XXXX, none of this, again, impacts the XXXX applications. 

Nelnet now is telling me they are just backlogged, things are processed in order they are received, blah blah. If that was remotely true, then they would not and could not have tried to ( IMPROPERLY ) process the XXXX app they claimed I messed up. 

I want my application processed immediately. I have waited literally months. I have XXXX payments left on my XXXX years and XXXX is the last year that we can avoid tax liability. Nelnet is holding me hostage by delaying and delaying, and giving excuse after excuse. AND IF I GET HIT WITH A TAX BOMB, THAT IS THEIR FAULT AND I AM NOT AFRAID TO PURSUE A COMPLAINT FURTHER, AS WELL AS A SUIT AGAINST THEM FOR THEIR ABJECT NEGLIGENCE AND RECKLESSNESS. 

If they don't have the staff to process these TIMELY, then they need to hire more staff. If