23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my IDENTITY THEFT report to EQUIFAX, it was delivered to them XX/XX/2023. Today XX/XX/2023, Equifax told me they couldn't process my 15 U.S. Code 1681c2 Block of information resulting from identity theft request because my iD Theft report didn't have my physical mailing address or email address.They also said because I didn't Mail, my social security card, that my request wasn't complete. It has been more than 4 business days from the date of receipt of my documents. They are giving me the full run around. to my understanding I have complied with everything the law has said. they are violating my consumer rights. this ID Theft is negatively impacting my life and preventing me from being financial stable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more than 68 times nonstop this is exhausting they are not putting these fraudulent inquiries in dispute and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 90 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Credit Reporting To Whom It XXXX Concern : I am writing to dispute inaccuracies in the reporting of my account ending in XXXX. The account contains the following discrepancies : Inconsistent Closed Dates : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Charge-Off Reporting : The account reflects an ongoing balance of {$1100.00} despite being marked as a charge-off and closed. 
Dispute Status Not Properly Reflected : XXXX and Equifax fail to indicate the account was previously disputed. 
These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681s-2, which requires creditors to provide accurate and consistent data. I request that the account be reviewed and updated to reflect accurate and consistent information across all credit bureaus. 

Please provide verification of these details or correct the errors within 30 days. Failure to do so may result in legal action under the FCRA.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Capital one lowered my credit limit amount to balance of credit card based on miss applied credit card payment. My credit score has been effected because capital one decision to mis represent when payment was made. Furthermore this is a credit card that belongs to the XXXX business corporation and capital one is reporting in an adverse limits to my personal consumer report. The decision that capital one has made based on adverse reporting of payment is causing Irreparable damage to my score. This needs negative narrative needs to be removed and credit increased to normal limit.
Product: Credit reporting or other personal consumer reports

Request for Charge-Off Removal Under 15 U.S.C. 1681i To Whom It May Concern, I am writing to formally dispute the charge-off listed on my credit report under the account number [ Account Number ]. Upon review, I believe this entry is inaccurate or incomplete, and I am requesting its removal or correction in accordance with 15 U.S.C. 1681i, the section of the Fair Credit Reporting Act ( FCRA ) governing the investigation of disputed information.

Under 15 U.S.C. 1681i, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am requesting that you conduct a thorough investigation of this charge-off, as I have reason to believe that : The reported charge-off is either incorrect or has been reported with inaccuracies that require correction or removal. 
The account in question may have been paid, settled, or otherwise resolved but is being inaccurately reflected as an outstanding debt.

In accordance with the FCRA, I request that you : Investigate this charge-off item and verify its accuracy.

Provide me with the results of your investigation within 30 days of receipt of this letter, as mandated by the law.

Remove or correct the inaccurate information if found to be incorrect or unverifiable.

Please send me a written response to my dispute, including the findings of your investigation, and provide a copy of my updated credit report once the correction has been made. If you are unable to verify the accuracy of this charge-off, I request that it be removed from my credit file entirely. 

Thank you for your prompt attention to this matter. I look forward to your timely resolution of this dispute. 

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

In accordance with The Fair Credit Act this creditor ( XXXX ) has violated my rights. Under 15 USC 1681 section 602 states : I have a right to privacy. 15 USC 1681 section 604 ( a ) ( 2 ) it also states : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1692 ( g ) Debt Validation, I request : 1 ) to send me a detailed list of the history of payments made by me on this account. 2 ) I want to see the signature that I put on a contract guaranteeing that I would pay this creditor. 3 ) Im asking have there been any insurance claim filed on this debt. 4 ) I want proof they have the chain of title to collect on this debt
Product: Debt collection

Hi my Name is XXXX XXXX I XXXX  from XXXX XXXX in XXXX with a XXXX XXXX in XXXX. I never received my XXXX  neither my transcript from the XXXX. Additionally, I took only two student loans for XXXX  when I was going there, but they sent me a collection letter for XXXX XXXX, when I last spoke to them I was going through some rough times, I was sleeping in a car and all, I asked them for a little patience. I just started on a new job only making the minimum amount and still have to pay for everything. I never said that I would not pay but they charged me more, and added another loan for XXXX which I never applied for in the first place. I need a little bit more time to get things together.
Product: Checking or savings account

my account with XXXX Bank was closed I was expecting a prompt return of my funds. However, it's been several months and the bank continues to hold my money. Despite numerous attempts to contact the bank 's customer service via phone and email, I've received inconsistent and unclear explanations for the delay. The bank 's lack of transparency and accountability has caused me significant distress and financial hardship. I've requested updates and a clear timeline for the release of my funds, but the bank has failed to provide a satisfactory response. I believe the bank 's actions are unfair and deceptive, and I'm requesting the CFPB 's assistance in resolving this matter and securing the return of my funds.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX : Balance : {$3600.00} Account Name : XXXX/DOFED # XXXX : Balance : {$2000.00} Account Name : XXXX/DOFED # XXXX : Balance : {$3500.00} Account Name : XXXXXXXXDOFED # XXXX : Balance : {$2000.00} Account Name : XXXX/DOFED # XXXX : Balance : {$2000.00} Unauthorized Inquiries 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
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. 
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 has violated my rights. 

I looked at my Equifax credit report on XX/XX/2024 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 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate ( A ) In generalIf, 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 ( i ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX BalanceOwed : {$15000.00}.
Product: Credit card or prepaid card

PNC XXXX XXXX XXXX had sent out a promotional mailing that said the card had a 4 % payback on ALL purchases. After spending a few thousand dollars I went to cash in my XXXX points and the " conversion '' to cash back and applied to my account and the conversion to cash was only {$22.00}! The 4 % points generation ( XXXX ) are actually not worth {$110.00}, which would be the case with all my other 1 % card cash back, like XXXX, XXXX, XXXX, etc. Thus, the net cash back is not even 1 %, but rather only 0.8 %. I call this false advertising!! 

I talk to a PNC rep today ( XX/XX/18 ) and he said you get less on cash back and most people use gift cards. Well I check the conversion to two gift cards, XXXX and XXXX gas. The conversion is the same, NOT point per dollar, the same 0.8 % conversion of point to dollars. Very deceptive advertising!
Product: Credit card or prepaid card

I have been using Citi online banking for my credit card since XX/XX/XXXX. Starting from XX/XX/XXXX I was not able to login to my online banking account any more. So I called Citi customer service on XX/XX/XXXX, hoping to figure out what's happen because I did not change my password. 
However the representatives were a nightmare. They kept transferring me to the next representative for 13 times without giving me any resolutions at all. Also my calls have been dropped 3 times. I've been on the phone for 2.5 hours and haven't gotten any useful information from Citi.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. I believe this discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the bank thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. 

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

I have attempted several times to work with this company directly in resolving my complaint. I have a late payment reporting on all three credit bureaus from this account inaccurately I could not get in touch with the company to make a payment and they blocked me from using their app for over two months. I HAVE SINCE PAID THIS ACCOUNT IN FULL AND ASKED FOR THE LINE OF CREDIT TO BE CLOSED THE ACCOUNT IS STILL REPORTING AS OPENED ON MY CREDIT REPORT AND NOW IT IS SHOWING XXXX ACCOUNTS WITH THIS COMPANY BOTH HAVE THE EXACT SAME INFORMATION AND IT IS MAKING IT APPEAR THAT I HAVE XXXX LATE PAYMENTS ON MY CREDIT REPORT THIS ACCOUNT SHOULD BE CLOSED NOT OPEN AND IT SHOULD NOT BE REPORTING TWICE ON MY CREDIT FILE PLEASE CORRECT THIS INFORMATION AND FOR THE LAST TIME CLOSE THIS XXXX ACCOUNT YOU ARE COMPLETELY UNRESPONSIVE TO MY EMAILS AND THAT IS THE ONLY WAY TO CONTACT YOU. CLOSE ANY ACCOUNTS THAT I HAVE WITH YOU AND IF YOU CLAIM I HAVE XXXX ACCOUNTS I WANT PROOF MAILED TO MY ADDRESS XXXX XXXX XXXX XXXX XXXX az XXXX showing that I applied and opened XXXX  accounts. I AM BEYOND XXXX AND AM GOING TO BE VOICING MY OPINION EVERYWHERE I WILL ALSO BE CONTACTING AN ATTORNEY.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

credit inquiries that i did not authorized 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
Product: Credit reporting or other personal consumer reports

I called XXXX XX/XX/year> to start my credit protection that I've paid on.in a previous recorded call they told me i could start a active claim in XXXX. They said i couldnt because my account is closed which is a lie my account is open, and i have a attachment from XX/XX/year> email that shows my account is past due no way a closed account could be past due... .they need to start my claim asap to this month. per the fair credit protection act accurate Info should be reported and its not therefore ant fees accrued need to be retracted
Product: Credit reporting or other personal consumer reports

I must express my concern regarding compliance with the Fair Credit Reporting Act during the examination process of XXXX and TransUnion Credit Bureaus. It appears that the following accounts require further attention to ensure the utmost accuracy in my credit file. Thus, I kindly request another investigation specifically for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I firmly believe that the information concerning these accounts are entirely inaccurate. Throughout the duration of these accounts, I have consistently made timely payments, and my records support this fact. Therefore, I urgently request a prompt and affirmative correction of this discrepancy. Your assistance in resolving this matter at earliest convenience is highly appreciated. 
* XXXX XXXX XXXX XXXX Balance : {$0.00} This account was already paid as agreed, and XXXX balance, but still acquiring 30 days late on XXXX, XXXX and 60 days late on XXXXXXXX XXXX. Please investigate this account and remove negativity as soon as possible. 

* XXXX XXXXXXXX XXXX Balance : {$570.00} An account showing to be currently 120 days late is considered a charge off under the Federal Reserve and the Federal Deposit Insurance Act. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and fix the current status to reflect accurately.
Product: Debt collection

Dear Sir or Madam : I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. 
CREDITOR CAVALRY {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I made several attempts to dispute incorrect late reporting to the credit agencies for the following accounts : XXXX is incorrectly showing 60 days late in XX/XX/XXXXand XX/XX/XXXX ; or XX/XX/XXXX showing 30 days late. 

XXXX 'XXXX  XXXX  XXXX is incorrectly showing 30 days late XX/XX/XXXX XXXX XXXX/XXXX XXXX is incorrectly showing 60 days late in XX/XX/XXXX. 

XXXX is incorrectly reporting XXXX XXXX XXXX 90 days late in XX/XX/XXXX
Product: Mortgage

XX/XX/XXXX, I applied for a loan modification with my home loan company-Home Point Financial after losing my job. Each week I continued to call to check the status, only to be told I can only speak to XXXX, my point of contact. I leave messages for XXXX, but he never returns my call. 

In XX/XX/XXXX, I filed for Chapter XXXX Bankruptcy. In XX/XX/XXXX, we receive a note on our door from Home Point Financial to call them. Upon calling, the customer service representative says our Loan Modification is complete provided we pay XXXX, XXXX & XXXX payments as a trial through a HAMP program. We pay all payments on time, in XXXX, XXXX & XXXX. In XXXX, Home Point Financial files for relief in our bankruptcy, only to withdraw their motion on XX/XX/XXXX citing we had successfully completed a loan modification. Each month we asked for a copy of the loan information regarding the modification and received nothing. 

On XX/XX/XXXX, we finally received a package containing the loan modification documents. We signed, notarized and returned the documents within one week. We continue to pay the amount instructed each month and are told our loan is good and everything is complete. We noticed several times that our payments were not being applied to our account but held in an unapplied payment section. 

On XX/XX/XXXX, we called to make our mortgage payment and are told they will not accept less than {$12000.00}. On XX/XX/XXXX, we receive a letter saying our loan modication was denied due to final paperwork not returned and {$10000.00} is due immediately. 

Home Point has reapplied all payments and denied the modication due to Page 5 missing a date per our conversation with a rude customer service representative, leaving our loan appearing to be 6 months past due!!! It is not past due as we have paid each month, as instructed. We consult our copy of the paperwork and see that page 5 does not have a date area, but is rather the notary form. We send in another copy of all signed documents. We continue to call each day, along with filing an appeal and are told we can only speak with XXXX. XXXX will not return our call. We have contacted HUD and they are unable to get a response from Home Point as well. We want to keep our home and for them to honor the modification that was agreed and sign on. We would also like them to return our calls or to communicate with us in some way! We continue to call each day to no avail.
Product: Mortgage

My annual escrow account disclosure was in error due to an insurance payment counted twice when my insurance co did not receive a payment on XXXX, was then reissued XXXX. 
Customer phone reps have said they paid them twice and to get my money back from my insurance and send it to them. They say that they can not create paper trail for this problem, based on my phone calls, put it in writing. 
We sent in a Notice of Error XXXX and received a letter of receipt XXXX saying an reply was coming within 30 days. 
As of this date XXXX, still no response.
Product: Student loan

XXXX XXXX with PREMIER STUDENT LOAN CENTER emailed me for months about my payments of {$230.00} and {$40.00}. When I looked at the news and realized this company was getting sued for fraud the emails from XXXX stopped. I want to know what I can do to receive my money back as I need it for my masters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Immediately remove the following accounts XXXX  - Date opened : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

INQUIRY XXXX XXXX XX/XX/2022 I DID NOT AUTHORIZED