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

I am the cosigner on my granddaughter.s student loan which is XXXX serviced by XXXX XXXX XXXX. XXXX XXXX reported 4 late pyts to Experian which were actually late but there were extenuating circumstances which after several calls to both XXXX XXXX and Experian ( disputes ) they wouldn't'.t even listen. My granddaughter applied to XXXX School after earning her degree from XXXX XXXX University and paying loans for almost 4 yrs. She ca ; ; ed XXXX XXXX and was told she could have a deferment from paying the loans, therefore, she stopped paying them for 4 months and then was told she couldn't have the deferment so I immediately paid the back payments and thought this was all set. I never looked at my credit report until this year, not knowing there were late pyts on it. I have had to sign for my XXXX grandchildren for loans and was signing for my youngest one 's loan and discovered the lates. I have spoke to XXXX XXXX several times and my granddaughter has spoke to them several times and they told me every call is documented. Nobody apparently listened to my request to forgive these lates because of a error ( thinking she was deferred ). They kept saying they're valid lates. She has a perfect credit until this period of time now she has the lates and i do. I am a elderly woman almost XXXX yrs old and have never had a late on my credit report, in fact it was perfect before this incident. I spoke to several people at XXXX XXXX and after telling my story to several people including supervisors all they said was it was a valid late and did not listen to what I was saying regarding the deferment. They told me to call Experian saying perhaps they could help me. All Experian did was investigate and was told it was a valid late and wouldn't change the report. My granddaughter did not deliberately not pay these payments, she thought she was deferred. We need help to get this forgiven. I'm told these are on our credit report for 7 years if these can't be changed. My granddaughter will have to consolidate her loans so she can afford them when she finishes school again but probably won't be able too because of this error. She goes to XXXX School full time and works every hour she can at XXXX hospital to earn the money to pay these loans She is giving it her all and is volunteering to go with XXXX XXXX XXXX to XXXX to help the less fortunate ; she is really a good and reliable kid, this never would have happened if she wasn't given wrong information regarding the deferment. Please help.
Product: Credit reporting or other personal consumer reports

I received a phone call from Bridge Crest this afternoon. She stated that she was from the Executive Offices of Bridge Crest. Although it sounded like a telemarketing nightmare, I spoke to her on a recorded line. After careful consideration I am going to contact my Attorney in this matter to submit a Letter of Representation and move forward with legal action.

The total amount of fees that have been fraudulently charged to my account is {$81.00}. I have attached a copy of my personal banking information to reflect that my XXXX Checking account was never charged or attempted to be charged during the time I was actively enrolled in Bridge Crest " Auto Pay ''.

I also will be addressing that what is reported on my Credit Report is incorrect and that when I asked Bridge Crest to not contact me every day, they then out of retaliation reported on my Credit File the incorrect information of payment late the very same week. I have also attached a screenshot of my Bridge Crest Dashboard App as of today which states in LARGE RED LETTERS " Prevent a XXXX delinquency report to the credit bureaus PAY {$160.00} by XX/XX/XXXX '' TODAY IS XX/XX/XXXX... 
which is false advertising as Bridge Crest has already reported delinquency and incorrect information to my credit files ( total of XXXX ). 

If Bridge Crest would admit their part in this matter and correct the {$81.00}, I would be glad to pay the {$78.00} today and then they can correct the fraudulent reporting to my credit file. I was laid off of my job for several months and still managed to keep my car payment made. I am in the middle of purchasing a house and because of their illegal practices this is being taken away from me. 

In XX/XX/XXXX I wrote a letter to address these issues ( see attached ) and received no response. I did however get harassing phone calls every day about making another payment even when I had clearly just made a payment. I have also asked that if Bridge Crest receives any funds over the regular payment amount it needs to go towards my principal, and this went on to be ignored as well. I made a payment of {$600.00}, and it ALL went towards interest. This is not fair, nor legal to do to a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of these are thru XXXX XXXXXXXX XXXXXXXX  Inquiry : XXXX XXXXXXXX XXXX + XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX XXXX + Credit Unions XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX  + XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Credit Unions XXXX XXXX XXXX XXXXnquiry : XX/XX/2022 + XXXX XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/2022 + Credit Unions XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, 2022 + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX  + Finance/Personal ( XXXX ) XXXX XXXXXXXX XXXX  XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX  + Finance/Personal ( XXXX ) XXXX XXXXXXXX XXXX Inquiry : XXXX XXXXXXXX XXXX
Product: Credit card

This is the XXXX time I have filed a complaint against Capitol One over the same issue. Fraudulent charges appeared on my credit card. Capitol One did an investigation and ruled in my favor. I have attached a letter from Capitol One saying the investigation was ruled in my favor. I have attached a copy of that letter from Capitol One. Yet they refuse to make the correction on my credit file when I filed a dispute. They insist on keeping this account listed as a charge off on my credit file when I did not make those charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry on my credit report Amazon I did not authorize. XX/XX/19 was alerted by email. I did not authorize any credit inquiry to my account.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. Two accounts of the same type, marked " closed '', but were never open and never inquired about. One inquiry was on XX/XX/XXXX and the other inquiry was on XX/XX/XXXX. Then another inquiry from Captial One which is showing inquiry from XX/XX/XXXX. I have not made any attempt to apply for any of these services at any time. This is impacting my credit as a hard inquiry and I would like them removed. I have not contacted the company as I have looked up the issue online and came straight to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had  XXXX    XXXX   XXXX   removed from my experian  report on XXXX /17 They reinserted  the unverified debt on  XXXX / XXXX /   17  without notification
Product: Mortgage

XX/XX/XXXX I lost my job. I managed to keep my payments on rime until my retirement funds ran out. I reached out to state farm bank to see if there was help for people in my situation. The bank told me they could help just complete the package they send in the mail and return it ASAP. I did that however they kept telling me I needed a self employment form. I tried telling them for months I had not used my XXXX  XXXX licenses  and zero money had been made for years. Yet still when I called to check on my status I always needed this form. Needless to say I fell behind during this time. I received my tax refund and paid everything in full. My neighbor decided to purchase my home. During this time I made contact with tax assessors office to inquire on tax amount and discovered my taxes had not been paid. I called State Farm and informed them they paid {$820.00} in XX/XX/XXXX which was not due because I closed on my home in XX/XX/XXXX and all taxes were paid. In XX/XX/XXXX they paid {$1200.00} to someone elses taxes. And in XX/XX/XXXX they paid XXXX two times! All out of my escrow account. After I spoke with a supervisor months trying to get it straight ( my nerves from my decade long job being ended and trying to make payments and get this tax situation straight took toll ) I received a check for {$1400.00}. I have tried over And over to tell these people their mistake but now they have increased my mortgage obligation. I was XXXX   short on a payment and they are holding my payment ( unapplied funds ) and constantly sending foreclosure notices. I filed bankruptcy to keep my home but now Im facing the same situation again only I cant even talk to anyone to resolve it. They either transfer me and never pick up or disconnect the call. I have my XX/XX/XXXX and XX/XX/XXXX payment but Im scared to pay it because I dont trust that the money will go where it is suppose to. I requested to close my escrow account due to the fact that State Farm bank still owes me money for there error however they Refuse. They charge me fees for appraisal value however I never get to see the appraisal because Im charged private mortgage insurance! My home is worth double of what I have financed however continue to charge pmi. I have sent emails. Made calls. Sent letters. Im at my wits end. Please help me. One more thing ... ..my due date was theXXXX, all of a sudden my due date changed to the XXXX. People budget how can they just change a due date that was agreed on from day one???? Its so bad I was XXXX accepted to work for State Farm. I declined due to the way they have been so underhanded. Their intentions I believe was never to help.
Product: Credit card or prepaid card

On XX/XX/2022, I contacted Barclay bank regarding my XXXX XXXX Barclay Card, as the " XXXX XXXX '' cards they had sent to me over a period of at least two years were lost. The missing rewards totaled at least {$950.00} in value. They gave me a case number ( XXXX ) and said I could expect to hear from someone within 24 hours and replacing the cards would take 2-3 weeks. No one called. I followed up the following week and was told that the case was being researched, and to wait another 2 weeks. I called again in a couple of week and was told the same thing. Finally, two months later, on XX/XX/XXXX, after two months had passed, I demanded to speak with a supervisor after I was told to wait more. The supervisor informed me that I had to call XXXX directly, even though I have no contract with XXXX. I insisted that it was their responsibility to help me because the rewards is through their company, but she simply apologized and said someone should have told me months ago to call XXXX. She gave me what she assured me ( twice ) was a direct number for the rewards department at XXXX, but it turned out to be a general number. After getting transferred from one person to another at XXXX over the course of 123 minutes, I was told that the request had to come from Barclay card.
Product: Credit reporting or other personal consumer reports

I tried to apply for credit and a soft pull was done and was denied based upon the information reporting on my credit report. When I checked all 3 bureaus, XXXX, Equifax, and XXXX, they have been reporting information on my credit report without my permission. This in itself resulted in denial of credit with merchant The company that their reporting is XXXX XXXX
Product: Credit card

In XX/XX/year> a request was made it increase a credit card ending XXXX, I did not get an explanation of why the credit limit increase was denied. In XX/XX/year>, a request was made to increase credit limit on credit card ending in XXXX. Once again nothing was sent in written communication stating why I was denied for the credit limit increase.
Product: Checking or savings account

On the date I was to receive my Direct Deposit from the Social Security Administration ( XX/XX/year> ) Wells Fargo closed my account indicating it was overdrawn more than 30 days, which is a lie. The account was not overdrawn more than 30 days and they closed my account out of retaliation because I complained of several overdraft charges in XX/XX/year> that they charged my account for. ( {$230.00} ). They didn't reduce or delete any of the charges and so they took their outrageous fees of ( {$230.00} ) out of my Social Security Check, which they have done previously in the seven ( 7 ) years I have been with them. But to close my account, the day I was to receive my Social Security Check, was intentional, spiteful and unethical in every sense. I am XXXX XXXX XXXX with XXXX  XXXX and depend heavily on that check every month.
Product: Credit reporting or other personal consumer reports

What happened? 
I asked you to investigate items that I believed were reporting not 100 percent accurate. As of now, I have no notice from you all stating that the accounts are in investigation. When handling disputes, your using faulty intake procedures and do not accurately convey all relevant information about disputes to the original furnisher. Your routinely and uncritically accept the original furnisher 's response to the disputed information, even when that response was improbable or illogical on its face, or when you have other information available that suggests the furnisher is unreliable. Lastly your sends notices that fail to inform me of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent.
Product: Checking or savings account

Capitol One advertised their XXXX savings as a high yield interest earning savings account at a rate that is not accurate because once you open it they changed it to a rate much lower.
Product: Vehicle loan or lease

I lost my job back i XXXX XX/XX/2020 I had given them a heads up about my payment that I wouldnt be able to make them in time due to me losing my job its been hard to find a job I have been working a full time job but only work part time due to its not very busy and it DONT pay much I told XXXX XXXX XXXX from Carolina finance I dont have enough I can make a XXXX a week till I get a settle job because is hard times for me right now, he said its not hes problem I dont have a job that the payment still have to get done, so I asked em how am I to find a job make what I was making when everything is close down due to the pandemic he said it is hes problem.
Product: Credit card or prepaid card

Citicard allowed my credit card to be used over the credit limit they set. Then instead of allowing me to pay my original minimum payment they are requesting I pay the minimum in addition to the over the credit limit amount.
Product: Debt collection

On XX/XX/2023, I terminated my service with XXXX XXXX and confirmed that there was no outstanding balance. They also sent me an email confirming the same. However, in XXXX, I received a bill of {$110.00} from XXXX XXXX, which I immediately disputed. They acknowledged that there was no balance due. In XXXX, I received a collection notice from Eastern Account System of Connecticut , Inc, demanding the same amount of {$110.00}. Once again, I contacted XXXX XXXX and they assured me that I owed no balance. I also contacted Eastern Account System of Connecticut , Inc. to raise a complaint. 

On XX/XX/XXXX, I received another collection notice from Eastern Account System of Connecticut , Inc . I contacted XXXX XXXX and spoke to XXXX, who confirmed the previous calls I had made to complain about the balance and verified that I do not owe any balance. XXXX transferred me to their collection department to have the collection notice removed. I spoke to XXXX in the collection department, who advised me to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) to resolve the issue.
Product: Credit reporting or other personal consumer reports

I would like to file a complaint against Transunion Credit Reporting Agency. Ive contacted the company several times and have filed numerous disputes about items reporting negatively on my credit report. I even had a suffix adding to my name and spent months trying to get the matter corrected only to have my credit score to drop in place of the suffix being removed. My score dropped XXXX points because of there negatively reporting practices and not fairly investigating disputes and not requesting information properly upon consumers request. I advise the company of the error and I was denied access of my own credit report and was told that my report had fraudulent activity only to report items back on my credit files that already had been paid, and resolved. They are also reporting items over 7 years old, items paid and discharged through bankruptcy as negative items. Transunion does not investigate items being reported before placing on and individual credit report or do they investigate after a dispute is filed, I have inquiries buy the same company placed repeatedly on my file and when brought to the attention of the Agency nothing is done about it. I feel that individuals scores would not be on the downside if credit reporting agencies will do there part in reporting correct information and making sure that what they are reporting is in fact correct information and not just report information from companies just because they receive information on a individual. Either they investigate and report accurate information or not report it at all. I want my report reviewed for the information Ive stated above and recalculated or for Transunion not to report anything about myself at all. Its not fair!
Product: Consumer Loan

I have a vehicle loan with Ally financial. XX/XX/XXXX, i became unemployed and called Ally to see what my options were. They offered me a two month deferment which was great. They kept saying I needed to sign some paperwork and that they could only mail it. Long story short, after about a XXXX phone calls saying I had n't received the paperwork I got the deferment done XX/XX/XXXX. Meanwhile the reported my account as 60 days late twice and 30 days late twice and it is DESTROYING my credit. I am trying to refinance my home and can not do it with these negative marks on it. I have called Ally frequently because I was assured all negative reports would be fixed. They are saying that the reports are accurate and that they can not verify I never received paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these items deleted from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just realized I have a hard credit inquiry from XXXX XXXX even though I don't have any accounts with them. I never gave them authorization to access my credit report.
Product: Debt collection

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : CREDIT MGMT Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my Experian credit score and it dropped 13 points for no reason. All my accounts are paid on time, I monitor my score monthly, and Im paying off items. My score should be increasing but instead it went down 13 points with no explanation or notification. Im currently in a class action suit against Dept. of ED and my accounts should be in forbearance but thats not reflected on Experians report. They are destroying my credibility Ive sent them numerous of notices requesting the information be updated. Same thing happened with my XXXX  credit score, instead they dropped me 70 points.
Product: Credit reporting or other personal consumer reports

I have recently discovered unauthorized information on my consumer report resulting from identity theft. I never provided written permission or instructions for the identified transactions to be reported. This is a clear violation of my rights, and I demand that you BLOCK and DELETE this information without delay. 

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 XXXXXXXX I don't understand how this account is reporting several different amounts of money owed from XXXX XXXX with the account numbers reporting in different ways this is blatantly absurd and I'm disappointed because its plain and clear these companies are not doing their jobs 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 Pursuant to 18 USC 8 , I owe these companies no debt, this is violating my consumer rights to privacy to 15 USC 1681 b 2 companies has also no permission to report anything using my information pursuant to 15 USC 1681 4.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed, faxed, emailed, and called each bureau XXXX, XXXX, and Experian. I have done everything that's been asked I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with this bureau 40 plus days ago and havent received anything. Correction I did get a letter from XXXX telling me that they were not going to investigate because they believed that I used a third party, I did use a third party " THE CFPB '' which describes how you are suppose to style the letter and the dispute. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors. Each Time that I have called the Bureaus they seem to act as if I need to start the process all over again. I have read the CFPB guidelines and the XXXX XXXX don't seem to care about the rules. XXXX XXXX you are the final help in what millions of Americans are up against please stand your ground make the XXXX  XXXX accountable for their sloppy performance.