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

I received a letter from my credit card provider ( XXXX XXXX XXXX ) indicating an increase in APR rates on my account due to information received about my credit report. The exact words in the XXXX XXXX letter were " Our credit decision was based in whole or in part, on information obtained in a credit report from the following consumer reporting agency : Equifax Credit Information Services. '' I accessed the Equifax website to try to determine what issues were reported that would have caused questions about my credit worthiness given the fact that I have had the XXXX XXXX XXXX card since 2004 and have never made a partial payment to a monthly statement in 20 years. I have paid the total amount of each monthly statement for at least XXXX consecutive months without problems. 

Upon viewing the Equifax credit score and summary I found some perplexing and discouraging data. Even though Equifax stated that the " Length of Credit History '' was 44 years, 11 months, they chose to create a less than deserved credit score of " GOOD '' based on a single credit card I had from XXXXXXXX XXXX that had only been in existence for 6 months and had only been used 5 times, with each monthly balance paid in full upon receipt of the bills. Equifax did not account for any data from any other credit cards in my possession that I have had for years without payment problems, or credit purchases made in the past and totally paid off in the requisite time period. 

I called Equifax Customer Service to get help understanding why my credit score was lower than expected and why complete data ( all credit data ) was not used to determine the score and reported honestly and " completely '' when requested by XXXX XXXX XXXX. I was told that if I wanted other credit cards and sources to be reported by Equifax, " I '' would have to contact the other credit sources and tell them to report the data to Equifax. In 44 years and 11 months of home loans, credit cards, automobile purchases and loans, I have NEVER had to tell the loaning agency or card issue to report data to any Credit Bureau. To even suggest that is the process is ludicrous and obscene! 

I think Equifax is sorely lacking to be an objective and completely honest credit reporting agency. The credit score they presented in my case, and probably for others, is grossly inadequate, misleading, incomplete and fundamentally dishonest. 

If CFPB actually has any oversight and control over credit reporting agencies, I trust they will take a hard look at the business practices of Equifax and demand corrective action be taken immediately to correct the faulty and misrepresented reporting. Equifax isn't providing a consumer service, they are providing potholes and road blocks! 

Sincerely : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please see all attachments. I have reached out to Experian several times wit no resolve. I have sent in several documents like police reports, FTC reports. sworn affidavits and copies from other companies including the credit bureau in which my personal information has been compromised in several different days breaches. Experian is not taking this matter seriously and its damaging me. They have refused to block and delete all negative items on my report that dont belong to me. They are not investigating and producing results in a timely manner pursuant to section US 1681c-2 ( a ) under the Fair Credit Reporting Act.
Product: Student loan

I received a notification from Navient in XX/XX/year> and XX/XX/year>. I opened the portal and called the company to see what was the notification, called and was told there was nothing that they were trying to notify me about. 

I was aware that I would need to pay back student loans so signed up to join the XXXX reserves and took my XXXX XXXX XXXX XX/XX/XXXX and received a XXXX percentile score. 

On XX/XX/XXXX, I received a notification that my Navient account was charged off for {$49000.00} and was not given any warning or ability to resolve. 

Now I have $ XXXX in bad debt sitting on my XXXX XXXX which will prevent me from getting loans to do any sort of job training ( I was aiming for AI ) and will likely prevent me from being able to join the reserves, and also use the GI bill to pay off the loan. It's already made it so I can not purchase a car. 

I was contacted in the last week with 1 day notice to create an agreement to pay a lesser amount, even after it's already on my credit report as a bad debt though I was never emailed directly in this way to be told that they were going to take action or escalate. 

This seems like an attempt to keep me in poverty and/or defame me and make it impossible for me to be a functional adult with a career.
Product: Credit reporting, credit repair services, or other personal consumer reports

By XXXX XXXX I called Syncrony Bank about fraudulent inquiries that XXXX is refusing to remove from my credit report. I have 3 valid accounts with Syncrony Bank PayPal Credit, American Eagle Credit Card and Old Navy Credit Card, those accounts were open by me and arent related to the inquiries that I am disputing. The agent from Syncrony Bank account protection informed me that inquiries will be removed from all credit bureaus within 30 days but those inquiries still showing in my credit reports. 
Inquiries that needs to be removed : SYNCB/VERIZON ( Bank ) - XX/XX/XXXX SYNCB/SAM - XX/XX/XXXX SYNCHRONY BANK ( Bank ) - XX/XX/XXXX SYNCB/AMAZON ( Bank ) - XX/XX/XXXX SYNCB/SAM & # XXXX ; XXXX XXXX  - XX/XX/XXXX SYNCB/PAYPAL ( Bank ) - XX/XX/XXXX SYNCB/AMAZON ( Bank ) - XX/XX/XXXX SYNCB/AMERICAN EAGLE - XXXX XXXX, XXXX SYNCB/VERIZON ( Bank ) - XX/XX/XXXX SYNCHRONY FINANCIAL - XX/XX/XXXX SYNCB - XX/XX/XXXX SYNCB/TJX CO DUAL CARD - XX/XX/XXXX SYNCB/PAYPAL- XX/XX/XXXX. XXXX
Product: Credit reporting or other personal consumer reports

While checking my credit score on XX/XX/year>. I have found that it almost went down XXXX points eventhough I was never late on any payments or applied for any new accounts. After investigating I found that somebody fraudulently created citi double cashback credit card ( XXXX ) account in my name and used to purchase lot of things without repaying the bill and which affected my credit score. I have immediately disputed this with all three agencies and XXXX came back saying it is my account and I can revert it. I am awaiting for other agency response. Meanwhile I called XXXX XXXX  and asked about this. They said this account is closed but my credit score is still going down with late payment due to this account. They also mentioned that they will send me email and mail. I still have not received any call, mail or email regarding this since XX/XX/year>. I have called them thrice still did not get any mail or email They have promised email. But did not receive any till now. My credit score is going down I dont see any end to this issue. Could you please help me to resolve this issue ASAP.
Product: Credit reporting or other personal consumer reports

inquires on my credit report that i knew nothing about 1. thd/cbna XXXX XXXX XXXX XXXX XXXX  sd XXXX # XXXX XXXX XXXX says its on file till XXXX of XXXX could not reach anyone at this number inquired XX/XX/XXXX 2.citibank na best buy XXXX XXXX XXXX XXXX XXXX  sd XXXX phone XXXX XXXX XXXX says on file till XX/XX/XXXX says mail only for contact inquired XX/XX/XXXX 3.citi cards cbna XXXX XXXX XXXX XXXX XXXX  sd XXXX phone XXXX XXXX XXXX no answer could not get ahold of anyone. inquired on XX/XX/XXXX I did not contact or apply nor want any credit or credit cards from these people they showed up on my credit report as inquires and have affected my credit score I did not authorize any of this ... .....
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 USC1681. 

Bankruptcy Chapter XXXX ACCT # XXXX Bankruptcy Chapter XXXX ACCT # XXXX XXXX  XXXX  XXXX  ACCT # XXXX XXXX  ACCT # XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section 604 A section 2. It also states a consumer reporting agency can not furnish an account without written consent.
Product: Credit card

AmEx had an offer of 0 % on new purchases for approximately a year. During that year the annual fee of {$75.00} was charged. Despite more than minimum payments made on the account, which covered the annual fee, AmEx assessed interest on the annual fee prior to the 0 % offer expiration. The justification is that the 0 % APR applies to purchases only, not fees, but they used the outstanding purchases balance as the basis for applying interest on the annual fee. This is incredibly deceptive.
Product: Student loan

On XX/XX/XXXX, I called Moehla because I need a document from them that my mortage lender is requesting. I stayed on hold for an hour before they told me I needed to be transferred to a different department. I stayed on old for another hour and a half and no one came to the phone. 

I called back today, Monday, XX/XX/XXXX and was on hold for XXXX minutes. Someone answered and said I needed to be transferred to an advanced agent. I spent an hour on hold only for someone to pick up the phone and hang up. This document is important for me to move forward and I can not get hold of someone. Furthermore, their option to receiv a call back does not work. I went through the prompts and was still added to the regular call mode. 

I called back again from my phone and they dropped the call. This is insanity.
Product: Credit reporting or other personal consumer reports

I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. 
I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT # XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX XXXX as paid off and Satisfaction of Judgement order from State WI XXXX XXXX XXXX XXXX # XXXX XXXX   XXXX fully satisfied Each time I try to manage this from the bureaus seems like I can't get it resolved w/o paying more money. i have paid all the big 3 seems getting money is a problem.
Product: Checking or savings account

I was scammed out of XXXX and I felt the bank could have stopped the transaction. I dont feel they have done anything to help me recoup the money.
Product: Checking or savings account

On XX/XX/XXXX I tried to make a withdrawal with my Wells Fargo ATM card and was not authorized. You can only use a Wells Fargo ATM card at a Wells Fargo ATM is what I was told by customer service. I received no money but it was still deducted from my account. I have had zero success with recovering it from Wells Fargo. 
Here are the Transaction details : XXXX {$380.00} Transaction : XX/XX/XXXX Posted : XX/XX/XXXX Merchant info XXXXXXXX XXXX XXXXXXXX Additional info Method Card Inserted Category Non-Wells Fargo ATM Transaction description NON-WF ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance to the fair credit report Act : this creditor has violated my rights under 15 USC1681 section ( a ) ( 4 ) which states : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] states : ( 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 instructions of the consumer to whom it relates.
Product: Credit card

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.
Product: Credit reporting

I have a judgment with XXXX Colorado that was satisfied. Experian XXXX are still misreporting this as an open judgment.
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXXmmittee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor XXXX XXXX XXXX XXXX XXXX has violated my rights under 15 usc 1681 section 602. States I have the right to privacy.. 15 usc 1681 section 604A section2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666B a creditor must not treat a payment on a credit card account as late on a open end credit card account for any purpose
Product: Mortgage

In XX/XX/2023 we requested and were granted a forbearance. In XXXX of XXXX  we were advised that we had been granted a HUD subsidy to cover the back payments and late fees. That amount was {$14000.00} in a subordinate note. 

We mailed the documents, notarized, signed and witnessed by overnight XXXX in the envelope provided by the company. 

We did not hear back from them, and called a few days later. The representative advised that we had not included in the documentation our " document correction agreement '' and needed to re-send the entire packet back, have it re-notarized and re-witnessed. 

We did such on XX/XX/2023. 

We did not receive any confirmation of the new terms so called them in early XXXX to check the situation. 

We were at that time advised that the SECOND packet ( each one being over 22 pages in length ), was also insufficient, as one of the notarized pages did not contain the year on the date portion. We were further advised that at this time, our fees had gone up to over {$19000.00}. 

Each time we sent in our signed packets for modification, I kept copies ( both of the " borrowers copy '' version they provided, as well as a photocopy of the documents we sent them ). 

I have reviewed these in detail, and have realized that the first packet DID contain the Document Correction Agreement, and the SECOND packet did contain the year on the date portion by our Notary Public. 

We just received a new bill from them, stating that the amount we now owe is {$23000.00} or close therein. 

We have been trying to contact them, however, their phones and website are saying that there has been a " cyber attack '', and we can not reach them by phone, login online, or reach a representative via their chat service. 

It's very disturbing that they keep saying that they haven't received single portions of our modification agreement, and require us to resubmit the entire packet, and that the amount owed continues to go up, even though our records reflect that we DID submit the full packet, correctly notarized, signed, dated, and witnessed. 

I feel that we should be in the position of owing the original {$14000.00} which we were not disputing.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, I believe we need to delete any erroneous accounts from my credit report. Could you review the documents? Some of the accounts listed have inaccuracies in reporting, including incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE XXXX XXXX XXXX WAS A PAY TO DELETION. 
I PAID THE COMPANY THE BALANCE THAT WAS NEEDED, IN RETURN THEY WERE TO DELETE IT FROM MY CREDIT REPORT HOWEVER IT ONLY CHANGED IT TO A PAID COLLECTION, WHICH IS NOT ACCURATE.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Nationstar is attempting to foreclose on my home and a man has repeatedly trespassed and damaged my property, including my ring camera. The man in the photo has stated that he is with the bank and that he is there to see if my house is occupied. 
A broker from XXXX XXXX contacted me yesterday to offer to sell my house in advance of the foreclosure and he stated that I was on the mortgage and that my credit score is being impacted. However, I am not on the note and the bank and nationstars attorney refuse to communicate with me. 

In addition to this, the house has been tied up in divorce court in XXXX XXXX  XXXX since XXXX, index XXXX, and no one is addressing this issue. I am on the deed and title of XXXX XXXX XXXX in XXXX, MA, and have paid the deposit for the home and again paid XXXX XXXX to stop their attempted auction of my house during divorce proceedings in XXXX. 

The mortgage holder, XXXX XXXX XXXX, stopped paying the mortgage after divorce commencement in XXXX, violating automatic orders and a court order to pay the mortgage. XXXX XXXX committed perjury in court by stating that he was willing to sell me the house and then never responded to my offers. 
I have paid several real estate and divorce attorneys including XXXX XXXX and XXXX XXXX and this has led to no results and further financial abuse. 
My credit score is being impacted by the lack of attention to this matter by the courts and I am asking for assistance from authorities. I am in finance and this impacts my ability to earn a living and to support a family.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX 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 my 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 those account 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. 

XXXX Never Sent the periodic statement along with the disclosures 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 or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have late payments reporting on my credit report, these payments have been resolved and paid. My status with this account ( XXXX ) is upstanding and positive. I currently have a balanced of XXXX.
Product: Money transfer, virtual currency, or money service

I sent me friend {$40.00} on the XXXX through PayPal because I owed him. PayPal is always instant but this time was not. I called PayPal and was told it just has to be cleared by my bank. It clears the next day and PayPal won't release it even though it was taken out from my bank. Given the runaround every time. Claiming my bank is holding the money but it's PayPal that needs to send the {$40.00} to another PayPal user.