23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

This is my XXXX submission regarding the XXXX. I paid {$1000.00} to try to reduce my loan ; however, they charged {$170.00} in interest, and paid {$820.00} towards the principal. Basically, I am being penalized for paying early. I had satisfied my monthly payment right before making this payment and specifically directed them to pay down my principal, not interest. If they charge me interest every time I make an extra payment, that is neither legal nor fair. Please instruct them to accept payment on principal and to stop penalizing early payments.
Product: Student loan

I have received 8 calls in the today since XXXX XXXX and it is now XXXX XXXX. this is absolutely uncalled for. I already told them I would make the payment Friday and they advised they do n't do promise to pay. why would you call me 8 times in the matter of 8 hrs. to hear the same thing I have told XXXX reps.
Product: Debt collection

I have been educating myself on all areas to manage my debt. I requested to understand the terms and why small fees have accumulated into a larger debt than I initially had. Unfortunately, my credit has decreased significantly after being at its best. I accept that. Yes, I signed a leasing agreement for a very expensive apartment, but due to the circumstances I was facing, I couldnt maintain that lifestyle. Now, I am dealing with a company that charges fees because they can, which I find wrong and extremely messed up. All I wanted was more information, and now I am facing increasing debt by the day.
Product: Credit reporting or other personal consumer reports

TransUnion LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Immediate Rectification of Incorrect Information on Credit Report Dear TransUnion Representatives , This letter serves as a formal demand for immediate rectification of erroneous information that has been repeatedly reported on my credit file. I have contacted TransUnion on numerous occasions to address this issue, yet I have encountered inconsistent responses and a lack of resolution.

Despite multiple attempts to clarify the discrepancies, I have been met with varying explanations regarding the Consumer Financial Protection Bureau ( CFPB ) reports I have purportedly filed. Your representatives have failed to provide a coherent or consistent account of the number of reports, the specific items under dispute, or the relevant dates. Each interaction has only exacerbated my concerns, with representatives providing conflicting information and, at times, falsely claiming managerial status. 

Moreover, when contacting the general customer service number and requesting a transfer to the fraud department, your representatives immediately asserted they were the fraud department, contradicting standard procedural knowledge that such calls require a transfer. This behavior is indicative of a broader issue within your organization 's handling of consumer disputes.

It is apparent that the lack of transparency and willingness to assist is undermined by TransUnion 's profit-driven motives. Such practices not only fail to uphold the standards of ethical business conduct but also violate the rights of consumers seeking to maintain accurate credit reports. 

I demand an immediate and thorough investigation into these discrepancies and a prompt correction of all inaccurate information on my credit report. Furthermore, I expect TransUnion to revise its internal practices to ensure that consumers are treated with fairness and transparency in accordance with applicable laws and regulations. 

Failure to address this matter promptly will compel me to escalate this issue to the appropriate regulatory bodies, including the CFPB and the Federal Trade Commission ( FTC ), and pursue all available legal remedies. 

I trust that TransUnion will take this matter seriously and act expeditiously to rectify the situation. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not been able to view my EQUIFAX credit report since XX/XX/2021. Also, when I have applied for credit or responded to pre-approved offers, my EQUIFAX credit file is completely blank with a ZERO 0 in each field as if my own data doesnt exist. 

To mortgage companies, banks, credit card companies, and insurance agents, this show up as No File Found, and so Im denied credit and insurance products. 

I had trouble getting through to speak with an agent at EQUIFAX, because the system asks for your personal information. My personal identifying information like social security number and date of birth is attached to no credit file. The agent was able to see the file after an hour of pleading that I have a 28 year active credit history. He explained the report is in fact no longer available digitally and that I have to write a letter via USPS, wait for a technical team to get approval to print a copy, the send the paper report out in 10 business days. 

All US banking institutions require instant in immediate digital access to credit files in order to make credit decisions. 

Because EQUIFAX has removed my file, I am not able to refinance my mortgage now for 5 months and am losing out on low interest rates, which of steadily increased each month with my inability to see my FICO scores or file. I also can not receive credit line increases or open any new loan with companies that rely on EQUIFAX.
Product: Credit card

On Saturday XX/XX/XXXX, I received an email and letter stating that Citibank had lowered my credit limit and my credit score. The changes took effect immediately, which was 18 days into a 30-day cycle. They impacted charges that had not been cleared and therefore were denied. This change impacted my reliability and integrity immediately before I had any opportunity to refute their claim. 

Since receiving this notification, here is the information and documentation of what has occurred. 

The Citibank letter, ( pages 1-6 ) states that my XXXX XXXX XXXX as of XX/XX/XXXX was XXXX and that I had a serious delinquency and the proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high They lowered my credit score from XXXX to XXXX lowered my credit limit from {$11000.00} to {$890.00} ( pages 7-8 ) I reviewed my XXXX credit report dated XX/XX/XXXX XXXX pages XXXX ) ). My credit score was XXXX. For all open and closed accounts, I had XXXX delinquent payments, and my highest credit utilization was with my Citi card at 15 %. 

I had a call on XXXX XXXX XXXX or later. In speaking with XXXX different representatives, they could/would do nothing to solve the problem in the short term. 

They filed a credit rating which could take up to 30+days for them to address. They also filed a request to reevaluate my credit limit. Since I am retired and draw my income from an investment trust, I was not able to answer all their financial questions. But I did tell her that on our XXXX tax form we recorded our joint income as {$120000.00} and our monthly rent as {$6000.00}, inclusive of water-sewer and utility charges. 

On approximately XX/XX/XXXX or XXXX, I completed a Citibank customer satisfaction survey and stated all my frustrations with the bank treating me like a criminal and not even trying to solve an error that they made. 

XXXX at about XXXX pm XXXX a member of the Citibank quality department called XXXX XXXX I was not at home but was able to repeat my story. The phone connection was weak, and she was not able to hear me very well and I was in a public place so asked if we could chat another time. She was to call me on XXXX XXXX, sometime after XXXX XXXX and I never received a call. 

On XX/XX/XXXX, I received an XXXX XXXX ( pages 16-20 ) changing my credit rating to XXXX and showing that my overall credit usage was 8 %. 

On XX/XX/XXXX, I received a letter ( pages 21-24 ) stating At this time were unable to approve the request ( to increase my credit limit ) because your credit report shows the amount you owe is too high compared to the income you provided. The XX/XX/XXXX report shows that I am using 15 % of my Citicard credit limit. However, with the lowered mid-cycle credit limit, Citicard shows that I am using 98 % of my credit limit. 

I also hold a XXXX XXXX credit card, since XX/XX/XXXX and previously XXXX XXXX, as they held my bank accounts and trust. They have not changed by credit limit of {$15000.00} and assumedly they receive the same XXXX reports that Citibank does. My XXXX  credit score, prior to Citibank lowering my score as XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U. S. C. 1681c-2 ) that you, EXPERIAN reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card XXXX XXXX XXXX  : ACCT # XXXX OPENED XXXX, XXXX  ACCT # XXXX OPENED XX/XX/2018 XXXX  ACCT # XXXX OPENED XXXX, XXXX XXXX : ACCT XXXX XXXX OPENED XXXX, XXXX XXXX XXXX : ACCT # XXXX OPENED XXXX, XXXX XXXX XXXX XXXX : ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT : XXXX OPENED XXXX, XXXX XXXX XXXX XXXX ACCT : XXXX OPENED XXXXXXXX XXXX XXXX XXXX ACCT XXXX XXXX OPENED XXXX. These accounts have resulted in several hard inquiries and fraudulent collections and charge-offs appearing on my FICO consumer credit report. The aforementioned accounts, collections, charge offs, appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, charge offs, are a result of identity theft and fraud. I have attached a copy of my FTC identity theft report complaint # XXXX as proof of the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, charge offs, are the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Each year, I request and receive a free annual credit report via https : XXXX from each of the 3 major credit reporting companies. Today, XX/XX/XXXX at around XXXX, I tried to get my free report from Equifax. I never have problems getting my report electronically from either XXXX  or XXXX, but each year Equifax requires that I put myself at increased risk for identity theft by sending in a paper form along with a great deal of SPII. Last year I filed CFPB Complaint Number XXXX about this same issue. I am attaching a screenshot of the first page of my XXXX Equifax credit report to help verify my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in an envelope sent to all three credit bureaus ( XXXX, XXXX, and XXXX  ), this was 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. The account was also deleted from my XXXX  report as well so in order to correct the inconsistencies between the XXXX, XXXX, and XXXX  credit reports, the account needs to be deleted from the XXXX  and XXXX  credit reports immediately. 
The information for this account listed on my credit report is : CREDITOR : JPMCB AUTO ( XXXX  ) and JPMCB AUTO-FINANCE ( XXXX  ) XXXX, BALANCE {$0.00}, OPENED XX/XX/2012, ACCOUNT XXXX ( XXXX ) / ACCOUNT XXXX ( XXXX  )
Product: Checking or savings account

The issue is that I can't access my account with multiple CDs and accounts totaling ~ {$45000.00}. On XX/XX/24 at XXXX XXXX  I tried to log into my Ally bank account to get my interest statement for filing taxes, and found it was locked and said to call Ally. At XXXX XXXX  I called Ally and they said there was a mysterious issue with my account and that they couldn't fix it. Later at XXXX XXXX  I called back to reach a different person, and they said that they couldn't fix it but that someone would call back the next day to follow up. No one called back. On XX/XX/24 at XXXX XXXX  I called to see what was going on and they apologized and said they were going to work on it. I waited an hour as they tried to fix the issue. Ultimately they ended up saying they were going to forward the issue to IT and IT would call, but I never heard back. On XX/XX/24 at XXXX XXXX  I called back and they finally opened a ticket with IT and gave me a ticket number and said I could call to check on the progress. On XX/XX/24 at XXXX XXXX  I followed up and asked for an update on the IT ticket. They said there were no updates, I asked when I could expect resolution, and they said there was no way to estimate the time of resolution. I am left wondering when I will have access to my account. They suggested I might be able to withdraw some money through my other bank but I couldn't get a clear description of the process. Or, that I could request a check but since the money is in different accounts and I can't see the balances this will be difficult.
Product: Credit reporting or other personal consumer reports

I was an authorized user on my daughter XXXX XXXX credit card accounts. She has called the credit card companies and removed me as an authorized user over 6 months ago but the companies are still reporting to all three credit bureaus as if I am still on her accounts. I would like for the companies to stop reporting on my credit.
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  # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX has violated my rights. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) ln generally. after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information. as appropriate, based on the results of the reinvestigation : and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

CHEXSYSTEMS Consumer ID : XXXX XXXX  XXXX XXXX checking account ending in XXXX was reported to chexsystem by XXXX as " Suspected fraud activity ''. 

After filing the dispute chexsytems, they told me XXXX XXXX XXXX reported information was verified. 

But now they reported closure status : " SETTLED IN FULL '' - Attached copy of investigation from chexsystems. 

I have disputed transactions on XXXX, but they closed down the account and reported it " SUSPECTED FRAUD ACTIVITY ''. Account has no balance as stated in the investigation letter by CHEXSYSTEM Report. 

I have every right to report any transactions i didnt do as " Unathorized '' with the bank. But XXXX closed out the account because it has a balance i had to pay for some of the disputes that i lost which i should have won. They reported it as " suspected fraud activity ''. 

It is very unfair and it has a very barring affect on my life. Please help me settle this removal of " fraud ''. 

I am willing to provide and go to press if requested. Please check the attachment of the investigation letter from Chex. 

Thank you, XXXX XXXX
Product: Payday loan, title loan, or personal loan

Lien on car title has not been released even though loan paid in full. Please send lien release to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX and email lien release letter to XXXX. Lien information on title : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX. This is the Speedy Cash location.
Product: Credit reporting or other personal consumer reports

There are two student loans on my credit report that I never authorized to open and i never used them. I never went to college. The student loans reporting are XXXX XXXX XXXX XXXX. I tried speaking with the company and they told me I have to file an identity theft affidavit and submit that to them and the credit bureaus. They make it really hard and it's not fair.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information The following accounts : XXXX XXXX XXXX installment loan The Following Experian Inquiries - XXXX XXXX XXXX XXXXXX/XX/XXXX The following XXXX Inquiries XXXX XXXX XX/XX/2024 the Following XXXX inquiries XXXX XXXX XXXX XXXX XXXXXX/XX/2024 Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

A copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX ENCLOSURES : - Identity Theft Report - Proof of identity : - Copy of Credit Report - Fair Credit Reporting Act Section 605B
Product: Debt collection

Im reaching out because Im facing some serious issues with my credit due to this collection account. I never agreed to or signed any contract for this account. For a contract to be valid, both parties need to sign it, and I have not been part of any such agreement. Additionally, the collection company didnt follow the proper 5-step validation process required by law. 

According to the FDCPA, Im entitled to compensation for these violations. Its clear that my rights have been ignored, and this has been really damaging to me personally. Im asking for this account to be removed from my credit report immediately. If this isnt resolved, Ill have no choice but to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd dispute letter on this same issue. This is a response to complaint number :XXXX-XXXX and compliant numberXXXX-XXXX. I sent a dispute letter to Experian a letter on XX/XX/2020. I have not gotten a response from them yet. It has been over 30 days.According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed i have uploaded a copy of my, my full name l Social Security number Date of birth copy of drivers license. bill
Product: Credit card

Barlcays is making it very inconvenient for JetBlue XXXX XXXX holders to downgrade to the regular JetBlue Card. I called this morning to request a downgrade since I'm not fully leveraging the card benefits, and they said I can only downgrade if " an offer is available ''. Also, if you'd like to downgrade from the XXXX card to the no-fee card, you need to close out the XXXX XXXX and submit a new application for a new regular card. 

As you may know this affects the consumer 's credit score twice, because you reduce your available credit, and it also adds a new inquiry to your credit score profile.

Is this practice legal? Do you know anything about this? It feels like they literally force you into having this card or otherwise get your credit score double penalized for not keeping a card which offers so little benefits. 

Please let me know if you have any questions or need any additional information, and I'll get back to you as soon as possible. 

Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Funding is harassing me with phone calls for a debt Ive told them over and over that we do not have a contract they are saying they purchased this debt without my permission from XXXX. I need this removed from my report.
Product: Debt collection

ATTENTION TO CLARK COUNTY COLLECTIONS I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1500.00} does not belong to me. This account was fraudulently opened through this company CLARK COUNTY COLLECTIONS in XXXX of 2015 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.