23daVinci/CFPB_Complaints huggingface dataset:
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  Account # Account number : Account Name : XXXX XXXX XXXX XXXXAccount numberXXXX has violating my rights Account name : XXXX XXXXAccount number:XXXX has violating my rights XXXXAccount number XXXX has violating my rights Account name : XXXX XXXXAccount number : XXXX has violated my right 15 US.6 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 writter 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
Product: Credit reporting, credit repair services, or other personal consumer reports

There are four fraudulent acocunt that has been opened in my name without my permission. These accounts were opened fraudulently, Ihave advised the creditors and requested documents or a contract showing my signature authorizing them to open this acocunt. They have not sent me anything in 90 days. I have also tried to file a diosute with XXXX XXXX and XXXX and they are no help. They keep referring me to the original data furnished and have told them many times i have spoken to the creditors and they send me back to the creditors. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

On XX/XX/XXXX, and XX/XX/XXXX I was denied business credit after applying for a credit card for my business XXXX XXXX XXXX XXXX using my IRS issued EIN number with American Express XXXX XXXX XXXX card. I then received letters from American Express for both of the aforementioned dates in which American Express explained why they can not approve my application at this time. American Express denied my business credit card applications because they stated that I had canceled previous accounts with them. Both letters indicated I could contact them and try to qualify for a new car in the future by submitting an application at a later date. When I was initially denied on XX/XX/XXXX of XXXX, I waited almost 8 months before I re-applied again on XX/XX/XXXX in an effort to follow the instructions of American Express to which they indicated in their denial letters for me to submit an application at a later date. I followed their instructions and again my business was denied a credit card for the American Express XXXX XXXX XXXX card for a second time on XX/XX/XXXX. 

Back in XXXX, while I was married I did file for bankruptcy with my husband at the time and everything was written off for the personal American Express credit cards that we shared together. However, Ive never previously had an American Express business credit card. I am pointing this out to state that both attempts for me to apply for the American Express XXXX XXXX XXXX card is for my business only and not for a personal use credit card. I feel that American Express is discriminating against my business because of my past personal credit cards that have been paid or previously covered under my personal the bankruptcy more than 13+ years ago. Again, I am emphasizing that I applied to American Express under my legal business in order for use for business transactions, not personal use. I strongly attest that American Express refusal to extend credit to my legal business is discriminatory and they are using my prior personal credit/prior bankruptcy as reason rather than the creditworthiness criteria of my business credit. For these reasons in good faith I am submitting this formal complaint about these illegal practices in determining my business ability to obtain credit through American Express. I am including both of the rejection letters for your review. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account in my Credit Report : XXXX XXXX XXXX BANK XXXX
Product: Mortgage

Dear CFPB, We have had intermittent difficulties paying our mortgage for about 5 years because we have been living on XXXX income and our second mortgage is an ARM that adjusts upward every year. 

We applied for a loan modification with XXXX XXXX XXXX XXXX Greentree in XXXX and again in XXXX. In both years, they had mentioned that we might qualify for a HAMP modification which would help to also modify our second mortgage. In both years they declined us for a HAMP modification saying that our mortgage debt to income ratio needed to be higher than 31 %. Using the numbers we submitted on the loan modification forms, I calculate that our debt to income ratio is 36 % so we should qualify. After the second decline I finally pushed them to explain to me how the ratio would not be greater than 31 % and they said they calculate this based only on the first mortgage payment - they do not include our payment amount for the second mortgage in our monthly mortgage payment. This is inaccurate and deceiving. How can the mortgage company be allowed to calculate our monthly mortgage expense without including both mortgages? And why are they deceiving us by asking us to submit our total expenses and both mortgage amounts when they only plan to use XXXX number in their calculations? Our second mortgage is much higher than our first mortgage so this difference in calculation is huge. We are now facing foreclosure on our second mortgage and they are not able to consider a HAMP modification because our first mortgage did not qualify us for this modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has multiple late payments notated on my credit report. These payments were made on time and the loan is now paid off. XXXX  has failed to report any payments since XX/XX/XXXX. These late payments should be updated to on time and my account should show as closed in good standing. 

Late payments that should show as on time include : XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ; and XX/XX/XXXX. 

I contacted XXXX XXXX on XX/XX/XXXX to ask that they update this information and paid off the loan completely. I now have the title and the note from XXXX saying my account is closed in good standing, but reporting to credit bureaus has not been updated. I am filing a complaint to update these late payments as on time and close this account in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I have been in constant contact with TransUnion for the issue of unauthorized inquiries since XX/XX/2021 up to now ( XX/XX/2021 ). I have been asking TransUnion to delete the following inquiries and to send an updated and corrected credit report to my address. 

As you can see there are numerous and countless letters that I have sent to TransUnion and the only reply I get is that of Inquiries are a factual record and therefore can not be removed. These unauthorized inquiries are really hurting my chances to get a refinance loan at a great rate and are really detrimental to my credit scores. 

I hope that your office can change TransUnions mind and steer them to removing these unauthorized inquiries. Is it not a violation to report inaccurate, incorrect, incomplete and erroneous information once you have been informed to the fact that this information is wrong? 


Thank you, XXXX XXXX XXXX XXXX
Product: Debt collection

I switched mobile service from XXXX to another carrier on XX/XX/2021. After switching service I called XXXX to finalize billing and ensure that my service with them was terminated. The CSR told me to disregard my current bill since I did not have service the entire month, that i would receive a pro-rated bill, which I did in XXXX. The amount was for {$120.00}. On XX/XX/2021 I went into my local branch and made the payment. I also took a range extender which I was given by XXXX because I had no service in my house and had safety concerns because of my wife and kids not having any service ( Of course this did not help ). The CSR at XXXX branch did not show as this on my account, and stated that XXXX did not use these anymore, and she couldn't take it back in the store. She did state that if XXXX wanted it back they would send a return box for me to ship it back. I haven't heard from XXXX since. XXXX, I received an alert from XXXX that I had a collection on my credit report. It was from a collection company called Receivables Performance Management , LLC  out of XXXX Wa. for a debt of {$310.00} with XXXX XXXX I do not have ANY late bills with ANYONE! I have never received anything from this company no email, mail, or phone call. With no notice, this company, Receivables Performance Management , LLC, is in violation of the FCRA and CFPB, and have taken my rights to dispute or resolve this matter. They have also put in jeopardy my first home purchase at XXXX years old. I have worked too hard to clean all of my credit up over the last XXXX or XXXX years, to let anyone steal this from me by violating my rights as a consumer. I look for the CFPB  to step in before I escalate this matter legally. This needs to be removed from my credit report ASAP and these predatory collection practices need to stop. Many companies believe that they have the right to jeopardize consumers livelihood, and tear down the work of others.
Product: Student loan

XX/XX/2023 Purpose : Please utilize the information ( sent in good faith and trust ) to assist and ensure that the Department of Education follows the law and its own policies : pertaining to the XXXX v. XXXX as illustrated in XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Name : XXXX XXXX XXXX XXXX Defense Application # : XXXX Borrower Defense Application School : XXXX University XXXX compliance : XXXX XXXX XXXX did receive, The discharge of all Relevant Federal Student Loan ( s ) means that you will no longer owe the debt. XXXX XXXX had to call XXXX and check Student Aid Portal because of receiving in the mail from the US Department Of Treasury an incorrect refund check. ( Copies Summited ). No information was ever sent nor received from the loan server : The loan server ( XXXX SERVICING ) even changed XXXX XXXX XXXX account number without notification from XXXX to XXXX. 

Need assistance, XXXX XXXX XXXX did not receive any information from the loan servicer to let him know the eligible payment refund. XXXX XXXX XXXX did receive from the US Department Of Treasury a check in the mail for {$5400.00} : this is an incorrect amount. XXXX XXXX XXXX provides all collected amounts paid related to XXXX University on file : the total is {$8800.00}. ( Copies Summited ). 

Need assistance, XXXX XXXX XXXX never received any information from loan server ( very adversarial ), and needs confirmation the credit report will be updated to reflect this discharge from The US Department Of Education. 

The attention to the need assistance is greatly appreciated. All information is provided in good faith and trust. Loan servers, not in compliance and that have lost trust/good faith ( engaging in lawlessness ), should be closed for good ; and stopped from doing any business with students. Their service falls below any minimal banking standards. 
Thank you, XXXX XXXX XXXX A Constituent Of House XXXX XXXX XXXX : California 's XXXX Congressional District
Product: Credit reporting or other personal consumer reports

Having proactively sought contact with Experian to dispute the hard inquiries on my credit report, I was consequently informed, to my disappointment my request had been despite my persistent effort. I have thus taken the liberty of filing this report to emphasize my commitment to safeguarding my rights in this regard I wish to reiterate that the following items were not authorized by me 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please Delete all of Transactions that are above.
Product: Payday loan, title loan, personal loan, or advance loan

M & T Bank acquired control of XXXX XXXXXXXX XXXX on XX/XX/XXXX, I continue to bank with M & T Bank. I had a saving account with M & T Bank for over 16 years. I had a secured credit card with M & T Bank and I completed all payments on-time and paid off the card. 
On XX/XX/XXXX I applied a secured loan with M & T Bank during the process M & T Bank used deception, fraud, and manipulation to obtain a credit report and then they denied me the loan on XX/XX/XXXX. ( Three days after completing the application ). M & T personal saving account, ending with XXXX with a balance of {$2500.00} as collateral for the loan. I pledged my saving accounts to secure the loan for {$2500.00}. I had the account for 6 months and I only received XXXX ( XXXXXXXX XXXX interest monthly on my {$2500.00} saving account ) On XX/XX/XXXX I applied a secured loan with M & T Bank. M & T Bank representative asked me, What was I using the loan for? I explained them I was using the loan to pay off a bill at XXXX XXXX XXXX XXXX, or otherwise tuition. 
On XX/XX/XXXX and XXXX XXXX, M & T Bank started questioning me about the loan. How many years you completed at XXXX XXXX? I told them I have XXXX XXXX and I working on my XXXX certificate at the University. Then M & T Bank said, we do not provide loans on tuition. They suggested I use XXXX XXXX. Then they denied me the loan. WHY ARE THEY QUESTIONING ME ON A SECURE LOAN? 
The on XX/XX/XXXX, M & T Bank representative suggested I request a debt consolidation Loan instead. She said, I had better chance of getting the loan. Therefore requiring me to complete another loan application. I was denied the loan. She said, there is something wrong on your credit report. 
My credit score is XXXX and I paid an M T Bank credit card on time. I continue to pay my auto loan, credit cards and other bills regularly. I have worked at the same job for XXXX years ; in addition, I have a second job. I co-own my house with my cousin and I have lived in since XXXX. The mortgage is paid regularly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I disputed several inaccurate entries that were reflected on my Experian and XXXX  reports ( see attached ). Previous addresses as well as previous employment that is incorrect and several other accounts that are reporting inaccurately are currently being reflected on my reports. Please see attached copies of disputes that were sent to both bureaus and as of today, XX/XX/XXXX, neither Experian nor XXXX have responded to my dispute. I have not received any correspondence from either bureau requesting any additional time to investigate nor have I received any initial correspondence from them responding to my initial dispute. My tracking via USPS for Experian reflects they were in receipt of my dispute on XX/XX/XXXX ( USPS tracking number XXXX ) ; see attached copy of return receipt. My tracking for XXXX  reflects they were in receipt of my dispute on XX/XX/XXXX ( USPS tracking number XXXX ) ; see attached copy of return receipt. 

Consumer law mandates credit reporting agencies respond within 30 days to disputes from consumers. Experian has had 58 days and have yet to respond. XXXX has 54 days and have yet to respond. As previously stated, neither bureaus has not responded ; therefore, each item reflected on my disputes to each bureau must be deleted. Additionally, I would like a full, updated copy of my credit reports reflecting the changes be sent to my address.
Product: Mortgage

Ditech credited my account with a {$5000.00} incentive which I met the qualifications for. Ditech then withdrew the credit.I have been trying to get an explanation for over a year.I received a brief blurb from one of their office paralegals stating that everything was right. This is not acceptable. Please review the documentation. I sold the house on XXXX XXXX, 2016. I received around {$2400.00} form escrow, but believe Ditech may owe me additional funds. I have attached documents. Please review and help me receive an adequate explanation and not a vague response to an important consumer concern.
Product: Credit reporting or other personal consumer reports

My account with SELF FINANCIAL/ LEAD BANK was never late. I have had exceptional payment history SELF FINANCIAL /LEAD BANK 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 by 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 in XX/XX/2024, XX/XX/2024 to be removed 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

SELF FINANCIAL / LEAD BANK Never Sent the periodic statement along with the Disclosure from section 1637 ( b ).

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!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Student Loan had been in " OK '' standing since XX/XX/XXXX As of XX/XX/XXXX,  my account was 90 days past due. I called and corrected the issue, however, that report after six years of " good standing '' dropped my credit score 178 points. That point drop seems excessive after six years of good standing.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the 3 credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance Owed : {$16000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$500.00} ; XXXX XXXXXXXX Balance Owed : {$300.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$750.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$280.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1100.00} ; XXXX XX/XX/XXXX
Product: Credit card or prepaid card

there was two account that was open up due to fraud I am a victim of id theft, I ask the company to show proof that I open it up with a valid government id or a contract with my signature on it, Fnb Omaha failed to do so. but keep on reporting on my credit
Product: Mortgage

When Truist bought Suntrust Mortgage and BB & T, I now h

ave 2 mortgages with Truist. 1. Primary residence mortgage. ( a ) When I transitioned to from the Suntrust Mortgage online system to Truist system, this mortage failed to appear. There seems to be no way to link it. I called customer service have been on hold for half an hour and no one is answering. ( 2 ) for tax year XXXX  I have not received a tax form ( today is XX/XX/XXXX ), since this account isn't appearing online I can't access this form online either 2. Second property mortgage. When I transitioned from the BB & T website to the Truist website, there are errors on the mailing address which can not be fixed online. Again, I called customer service have been on hold for half an hour and no one is answering. 

This is an unimpressive start to my banking relationship with Truist
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the repeated and unsuccessful attempts to correct late open account on my credit report. Despite my persistent efforts and the passage of time, these inaccuracies remain unresolved and continue to negatively impact my creditworthiness. I first initiated disputes regarding these late open account. Since then, I have consistently reported these inaccuracies to your agency and provided the necessary documentation to support my claims, such as proof of timely payments and account closures. Despite multiple disputes and my repeated efforts, these late open account have not been corrected. The continued presence of this inaccuracy on my credit report has had detrimental effects on my credit score, financial stability, and overall well-being. I am unable to secure loans, obtain favorable interest rates, or access various financial opportunities due to these errors. I kindly request the following actions be taken promptly : A thorough and comprehensive review of my credit report to verify the accuracy of the late open account in question. Kindly help me correct the account immediately : XXXX XX/XX/XXXXXXXX XXXX Balance : {$74000.00}.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials about this inquiry, please provide them. 
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