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

XXXX. I was calling the week of XX/XX/XXXX to inquire why Transunion was not showing proper posting of my recent payments on my student loan account I have been making payments since XX/XX/XXXX and XX/XX/XXXX and Transunion was in error by detailing my account with {$0.00} payments XXXX and XXXX. 

XXXX. I am making payments outside of due amounts in effort to reduce my debt regardless if a payment due or not ; and XXXX. I also inquired why was my XXXX Student Loan " account removed " and " Affected by Natural/Declared Disaster '' statement also removed from on my credit file since XXXX XXXX, XXXX see attached pdf page 2 and 3.. 

During the call the Transunion told me that there was NO account for XXXX on my account. No explanation other than it is on other reporting agencies and not Transunion. 

I request Transunion reinstate my XXXX XXXX XXXX account details on Transunion report because I am actively payment to reduce my debt and should be given noticeable credit for payments to creditors reviewing my credit report. 

I did not request it removed nor did a file a dispute, and XXXX informed me they report my account to all XXXX agencies including Transunion. 

Transunion is causing unnecessary harm to my credit mix of accounts and hindering true representation of my credit worthiness by removing my student loan account without a request or dispute filed by me, and in doing so suppressing my XXXX account and payments from my credit file. Thereby, interfering with true representation of my credit accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I purchased XXXX XXXX XXXX. I Had this auto financed through FLAGSHIP CREDIT ACCEPTANCE CORPORATION. This loan was to be repaid within a XXXX month period ( 5 years ). 
In XXXX of XXXX I became very ill. I contacted Flagship and informed them of my illness and inability to make the LAST XXXX PAYMENTS of the Auto Loan on time. 
I was informed by the Customer Service Rep that they ( Flagship ) would allow me an extensive period of time to make these Last XXXX payments, considering I had never missed, nor was I ever late on any payments prior to that time. 
In XXXX of XXXX, Flagship Acceptance Repossessed this Automobile without informing me of their intent to repo this car. 
When I contacted them via telephone, they informed me that this was their policy and that there was nothing they could do to assist me. I asked if there was any way I could redeem the auto and they told me NO!!!! 
I attempted on numerous occasions after that to speak with someone about getting this automobile back. Constantly I was transferred to different numbers within the company, only to be left on hold and eventually hung up on after they checked my account. 
Now here it is years later and I just found out that they ( Flagship ) have the audacity to have me in collections for the balance of {$960.00}, the exact amount I owed them after paying for this car diligently for just about XXXX months short of XXXX years. 
My issue is XXXX Fold. ( 1 ). I know they sold that car for way more than the {$960.00} I owed them. And I know now that they were supposed to contact me before and after the sale of that vehicle. They Did Neither!!!!. They were also supposed to rebate to me any overages beyond what was owed on the car plus expenses. They did not do that either. At the time the car was supposedly sold, this auto had an approximate value of between {$4000.00} & {$8000.00}. I never received any monies from this company nor anything else except their trying to ruin my credit and receive more money from this car that they are no longer owed. 
This company should be sanctioned for their illegal and unorthodox practices. Preying on people for their own profit.
Product: Payday loan

Third party company states I still owe for pay day loan from 2011, when loan was paid. High point asset is calling my cell phone and work phone which I have said is not acceptable because I work at a hospital and it effects patient care. I have requested validation of so called debt numberous times by mail only but have n't got a response.
Product: Credit card

I live in XXXX Texas and my home was hit Directly by the XXXX tornado on XXXX XXXX this year. We lost our entire fence, part of roof, Central A/C destroyed. I made a purchase on my home depot card and it was approved to purchase a window unit so we can survive the heat. The next day my order was cancelled and I called to see what was going on. They were very nice and said they would get it sent to me. It was never sent to me and I started to complain. They got mad at me and lowered my credit the exact amount of that A/C Unit so that I would not purchase it. Synchrony is in charge of all of these cards and I had 4 other synchrony cards, Walgreens, Lowes, Home Depot, XXXX XXXX, XXXX. The next day I check my other cards and they had closed all of my accounts and lowered all credit limits without giving me any notification. The knew I was going through a natural disasters and that we are protected under FEMA and t hey did not care. I tried to get the media involved. This is direct targeting from Synchrony. I have never made a late payment even once... They saw I needed to use a lot of credit due to the storm and they removed it even thought they were " acting like they were helping me the entire time '' My credit score has gone down XXXX points due to this. I need to know what steps can be taken because I never received any notification about credit limits going down. THEY WERE DIRECTLY TARGETING ME. PLEASE HELP!
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent items present on my credit report. Despite previous attempts to address this issue, the fraudulent entries continue to negatively impact my creditworthiness and financial standing. 

I have taken all necessary steps to dispute these fraudulent items, including submitting documentation and evidence supporting my claim of fraud. However, despite my efforts, the items remain on my credit report, causing significant distress and hindrance in my financial affairs. 

I urge you to investigate this matter promptly and take immediate action to remove the fraudulent items from my credit report. It is essential that my credit history accurately reflects my financial responsibility and integrity, and the presence of these fraudulent entries undermines that integrity. 

Furthermore, I request regular updates on the progress of the investigation and the actions being taken to address this matter. Timely communication is crucial in resolving this issue and restoring the accuracy of my credit report. 

Failure to address this complaint in a timely and satisfactory manner may result in further escalation, including legal action and involvement of regulatory authorities. I trust that you understand the severity of this matter and will take swift action to rectify it. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This marks my third submission of a complaint through CFPB concerning the remaining fraudulent items in my XXXX and XXXX Credit Reports, as well as the unattended fraudulent items by the Equifax Credit Bureau. Due to these issues, I kindly request the Consumer Financial Protection Bureau ( CFPB ) to assist me in ensuring the resolution of these fraudulent items, particularly the inquiry issue on my Equifax Credit Report. Here 's a list of the fraudulent items I need to have removed : XXXX : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} EQUIFAX : XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Bank of America has refused to correct a mistake with my SSN when they took over my loan from XXXX. This has caused me to file incorrect ( overpaid ) Federal Tax returns for several years. They also reclassified the loan from VA to conventional.
Product: Credit reporting

I have some accounts that are not mine that are reporting these are fraudulent accounts the accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have filed a police report XXXX pd report number XXXX Officer 's name XXXX badge # XXXX i have also filed a notarized ftc id theft affidavit these accounts have yet to be rmoved as they are a result of id theft
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX My mom name is XXXX XXXX Her husband name is XXXX XXXX I XXXX been an victim of identity theft since the age of XXXX 2009 Where before I came out of my group homes my mom XXXX and her husband XXXX which is my step father been using my social To run up bad debt before I even had the chance to use it for myself XXXX XXXX another data company that they option me out of, so that I wouldnt be able to see certain accounts on my report knowing an regular consumer report has a way of receiving its information and now me being XXXX it is effecting judgements liens before I was even able to get a job, my social they use to require jobs, phone bills mortgages insurance benefits Wasant informed of nothing nor received the help from the benefits. 

The reason I was in the group homes was because of abuse I have called them and know this is finical XXXX can somebody please Let XXXX XXXX Equifax core logics XXXX XXXX Mortgages insurances judgements liens auto insurance I have a XXXX since I was young. My mom use to get benefits for me being XXXX. Idk who they are getting away with this stuff the scandalous activity needs to stop its not just like a somebody puck up my social and used it once or twice this is a whole operation they been doing and I have got the police Irs trade commission and have contacted legal services for an attorney the proper and legit way please give me some understanding. There not American they was not born in America. I was they look at me like money gold mine because I was born in America they are not from untied states.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX and XXXX are reporting transaction history for many of my account and per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law.
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, has violated my rights.

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 an 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 reporting, credit repair services, or other personal consumer reports

RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DOB XX/XX/XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX PROBLEM : XXXX XXXX was recording this account to all 3 credit bureaus XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX then the credit card number was reissued due to Lost and thereafter all of the information disappeared from all three credit bureaus and was never reported with the new credit card information and payments applied however XXXX  XXXX is now claiming that they have continuously reported the new information to all 3 credit bureaus since then that is XX/XX/XXXX however none of that information as shown up on any of the three credit bureau report associated with my name and social security number even though that information has been verified by XXXX  XXXX and the three credit bureaus yet nobody can solve the problem why it is not appearing and being reported on my credit bureau reports. I have noted online that there are several other XXXX XXXX credit card holders experiencing the same problem and that is not just me so this must be some kind of it either an engineering problem or some kind of a scheme going on to manipulate consumers. The following is an excerpt from my 3 Bureau credit report from XX/XX/XXXX the last report that this account was reported to all three bureaus : Account Name XXXX Balance {$580.00} Credit Limit {$750.00} Usage 78 Type REVOLVING Status Current Opened On XX/XX/XXXX Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage 78 % Balance {$580.00} Balance Updated XX/XX/XXXX Credit Limit $ 750 Monthly Payment {$25.00} Past Due Amount - Highest Balance {$780.00} Terms Revolving Responsibility Individual Your Statement - Comments Account was in dispute-now resolved-reported by subscriber Contact Information XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

how many times should I dispute this? I mailed the bureaus what they need and still I'm being ignored? I have unauthorized inquries and accounts that I want them to removed no proof that is beingsenttome.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : Dept Of Ed/XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX XXXXXXXX XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX  Date XXXX XX/XX/XXXX XXXX {$0.00}, and Dept Of Ed/XXXX  Date opened XX/XX/XXXX XXXX {$0.00}. Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC1666b. See the documents attached. XXXX  XXXX XXXX Date opened XXXX, XXXX XXXX {$0.00}. Please correct these accounts immediately.
Product: Credit card or prepaid card

We XXXX XXXX XXXX in XXXX and during Covid we were not able to pay our personal credit cards and loans so we called the credit card companies to defer the payments and to close out accounts to lower the interest rate. Now, I am current with the credit cards and trying to get pre-qualified to purchase a home but I can't get approved because of the 30, 60, 90 days late payments that were incurred during the end of XXXX through the beginning XXXX. According the president, the late fees were not to be assessed during Covid and the creditors would help out. Well, I come to find out that is not the case since I am trying to get pre-approved and my credit score is being affected from the late payments.
Product: Debt collection

I have an active account with XXXX XXXX XXXX. I have my 2 Capital One credit cards listed with XXXX XXXX XXXX. XXXX XXXX XXXX shows these 2 credit card accounts as being resolved, waiting payments. XXXX XXXX XXXX will be submitting those payments for me. 
Capital One Account Services has " robocalled '' me several times for a 'very important matter '. It's about these 2 accounts. Each time I tell them to contact XXXX XXXX XXXX. Each time I call the number back that office is closed, usually on the weekend or late evening. I am then told to call back the next business day. 
The last call I received was Saturday, XX/XX/2021 at XXXX XXXX. I was told to call XXXX to resolve this matter. When I called them back the customer service agent informed me that the department " auto calling '' me was closed till Monday and to call back then. I informed them once again to call XXXX XXXX XXXX. 
I believe they are trying to harass me into paying them myself, thereby disqualifying the agreement arranged by XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning! 

This is not the first time that I try to fix and innacurate item on my report, the Credit Bureaus have failed to continue with the correct process, they have stop answering the letters and are not willing to work with me by showing me proof that these accounts are accurate. 

I will load all the letters that Ive sent since last year.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018, I contacted XXXX XXXX, who holds my XXXX XXXX car loan, and discussed with them, the need for a payment plan and term extension, explaining that I had a recent downturn in income and would need that in order to be able to resume payments on the car. I contacted them via phone approximately 12 times trying to work out the program, and kept getting different information, no responses, or simply had to start over because someone didn't take notes, or there were deleted notes from previous conversations, or I was transferred to different departments, or was given wrong information, hardship letters misplaced, etc. Finally, XX/XX/XXXX, I was able to get the issue situated. Since so much time had passed going back and forth with different XXXX people, my account became delinquent. In early XXXX they made a derogatory report to my credit which decreased my score XXXX points for being 40 days past due. It took much longer than 40 days to work through this process with XXXX to no fault of my own. I would like for them to acknowledge the reason this delinquency existed was because they took so long working it out, and remove/retract the negative credit submission. 

The payment was for {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I discovered inaccuracies on my report and decided to send a dispute letter to address the issues. There is different open dates reported and multiple other inaccuracies. upon further research well Fargo has numerous complaints for inaccurate credit reporting on XXXX  and over XXXX credit reported related complaints on CFPB.
Product: Credit card or prepaid card

I opened my Citi Bank XXXX XXXX in XXXX. I was a Platinum card holder never missing a payment in over 30 years. For thirty years, I have been a loyal faithful customer always paying on time. I was sent a letter closing my account with no notice. My card was supposed to expire in XXXX. I had no notice other than a cancellation notice. I contacted Citi Bank who connected me to an off shore call center. They did not care that I was a loyal customer for 30 years. They did not care that my credit rating was over 800. Due to the fact I have been a thirty year credit card customer, I had a substantial credit rewards in the thousands of unclaimed points. It was worth a lot of money of unclaimed rewards for discounts at restaurants and stores. I was laid off 3 years ago and have had to cut back on my spending. I have kept my spending in check since I no longer work and on a very limited fixed income. I was told that because I did not use their Citi Bank XXXXXXXX XXXX I was being cancelled by the company. They did not care that I lost thousands of credit rewards points or that my cancelling my card I have had for thirty years that my Credit Rating Score go down since I opened the card in XXXX. 
I told them I was filing a complaint with the Federal Trade Commission and Citi Bank could have cared less as they seemed not to respect the FTC. I want to be reinstated with all of my unclaimed credit rewards points reinstated after 30 years as a customer.