23daVinci/CFPB_Complaints huggingface dataset:
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. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. 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 XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. 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 XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Vehicle loan or lease

I wish I had a paper trail to back this up. I do not. 

I took out a loan for a XXXX XXXX with Credit Acceptance. The car ended up being a lemon ( the day I got it the XXXX smoked in my driveway and it has been a night mare since. 

I had enough and asked them to get the car- voluntary repossession. I was clear from the start. 
The company asked many times if I wanted to take it back I say no. The repossession is even on my credit report as Voluntary repossession. 

There was a note in my online correspondence and I spoke with a representative- they said the auction will be held XX/XX/XXXX. Again I remember hearing this and seeing this in their correspondence. 

Credit acceptance also took out the money for the repossession fee autimaticallly ( I believe I can get the payment for that- if they havent deleted that ) The letter correspondence was deleted. No where to be found. I called yesterday to get a update on the auction- ( XXXXXXXX XXXX EST on XX/XX/XXXX ) This particular representative said let me get you the info to get the car out I said no I do not want it back, it was supposed to be auctioned off They said it has not been sold, even been to an auction and XX/XX/XXXX was never a thing. 

I am paying a insane amount of interest ( bad credit, people like me get screwed over ) and I just wanted a new balance.
Product: Student loan

Dear Cfpb, I would first like to thank you for taking the time to read my complaint. I currently have a student with Navient which I have paid on time for almost 6 years. The interest rate is terrible and my balance is not going anywhere this is a crime they charge 13.24 % for a student loan! I called them and they said they can not do anything to lower it because I make too much money. I tried refinancing this with XXXX other lenders and the denied me that I do not make enough. I feel there is no way out of this. I do not mind paying the loan but when all I am doing is paying mostly interest I get upset. The main issue is when I took the loan out back in 2003 the rate was around 7 % how and why this jumped to 13.24 they can not explain. Is there anything that can be done here? 

Regards, XXXX XXXX XXXX
Product: Debt collection

Company charged a fee of {$3.00}. This fee was not part of my debt. I paid debt in full for medical bill
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 USC 1681. 

Account name : XXXX  Account XXXX Account name : XXXX  Account number:XXXX  Account name : XXXX  XXXX Account number:XXXX  Account name : XXXX  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 reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section XXXXB ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$36000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXXXXXX Balance : {$170.00} XXXX XXXXXXXX Balance : {$1100.00} ( Original Creditor : ) XXXX Balance : {$700.00} ( Original Creditor : ) XXXX Balance : {$820.00} XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pretty simple ... ... .My mortgage loan holder XXXX XXXX stated they would stop reporting any derogatory information to credit reporting agencies during the COVID-19 pandemic. 
In XX/XX/XXXX a ( Late Payment ) was reported to XXXX, Equifax, and XXXX ... .I submitted an online request to have this derogatory information deleted. They all have failed to comply with this request as of XX/XX/2020
Product: Credit reporting or other personal consumer reports

My identity as been compromised by my childs fathers sister and things on my background report refer to her but just my name and also she stole a checkbook from me and somehow ended up with my social I need help please
Product: Debt collection

I have made several phone calls to JH Portfolio Debt Equities LLC as well as submitted a Better Business Bureau dispute on XX/XX/XXXX in regards to two alleged debts ( XXXX and XXXX XXXX from XXXX XXXX ). Neither XXXX XXXX nor JH Portfolio Debt Equities LLC have yet to provide me with any validation of any alleged debt owed as well as the fact that I do not have any contract with this third party debt collector. On XX/XX/XXXX, JH Portfolio Debt Equities LLC responded to my BBB complaint stating that they would be removing the tradelines from my credit report. As of this day, JH Portfolio Debt Equities has not provided me any validation of proof and also not honored the  outcome of my BBB complaint in which they responded. When I spoke to them in regards to the response, they stated that they did not write anything. I have disputed with all three credit bureaus and they are sending back correspondence that JH Portfolio keeps reporting the alleged debt as verified. That can not be possible as they have not even sent me verification or validation as the assumed consumer on these accounts. I am at a standstill because the credit bureaus are not willing to update my reports to reflect accurate information as well as JH Portfolio is not upholding the law in regards to providing legitimate proof of any alleged debt and ensuring that I am the correct owner of the alleged account. I have been rudely spoken to JH Portfolio Debt Equites as well as XXXX, XXXX, and XXXX  representative and told that valid proof does not have to be sent to me. Although, this is my right as a consumer to have valid proof of any alleged debt against me. I have documented proof from the BBB in regards to JH Portfolio not being able to properly verify the account that I have sent to both JH Portfolio and all three credit bureaus. Each company is placing the blame on the other and it is negatively impacting my credit. I want these accounts removed from all three credit bureaus ( XXXX, XXXX, and XXXX ) and pursuit of collections ceased.
Product: Money transfer, virtual currency, or money service

A representative from the SEC advised that I contact you about this. I have been locked out of my Coinbase account since XX/XX/XXXX, and have unsuccessfully attempted to resolve this issue many times. After spending over three hours on the phone with two agents on separate days, I finally decided that I may be dealing with unscrupulous people and I discontinued my conversation.

Shortly after this experience I wrote separate letters to different addresses, one of which I had on file since I initially invested in Coinbase. The other address I found on line. To this date, I still have not heard from anyone. Over a period of six weeks I was given a different case number each time I attempted to reach out. Here are the five case numbers assigned to me from most recent to earliest : XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. Unfortunately there was no way for me to identify a previous case number. Consequently, a new case number was assigned each time I attempted to make contact with someone. Their helpline only sent me in circles without success. I am desperate for someone to help me with this very frustrating dilemma. I would be extremely grateful for your urgent assistance with my situation. 
Thank you, XXXX
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, submit this affidavit to request a security freeze on my credit report.

Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 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 Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I just received ANOTHER bill for a debt that was paid in full. I have filed TWO previous complaints about this very same bill and yet they keep selling this bill to new debt collectors trying to extort me again. This is the THIRD time I am contacting the CFPB asking for help for this same bill. Please see my prior complaints : # XXXX & # XXXX for reference. A new bill arrived, and they called my cell phone, demanding another {$760.00} for a bill from 2016. I already paid all outstanding bills off completely several years ago. Yet, now another bill for the same amount {$760.00} and the same date as in the last complaint XX/XX/16 appears again! Please see the prior two complaints filed with CFPB for details. Please stop these extortionists from ruining my credit again. They wait a few years and reproduce the same bills with the same dates and the same amounts. The original bill was from XXXX XXXX XXXX XXXX XXXX XXXX and was paid in full years ago. This same bill was sold several times to different debt XXXX and is now with Phoenix Financial Services who purchased this from XXXX XXXX XXXX, the last debt collector who tried to extort me until the CFPB got involved and they voided the bill only to sell it again to another debt collector. I am very grateful for the CFPB and for helping me out in the past. I would be lost and my credit destroyed if it weren't for the CFPB. I've been working hard for years to re-build my credit yet these sharks are out there trying to destroy me again.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within XXXX business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$17000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I disputed the completeness and accuracy of a trade line being reported to my credit report. I was requesting account level documentation stating my agreement to do business with XXXX XXXX. I also sent a letter to the Credit reporting agency to remove the incomplete or inaccurate information. Neither company complied to my request. Instead capitol one wanted me to send them supporting documentation for my request. 
I requested with a second letter to XXXX XXXX to do another investigation and another letter to XXXX and experian to reinvestigate the request.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding incorrect and inaccurate information on my credit report. Despite my numerous previous efforts to resolve this matter directly with the relevant entities, including reaching out on XX/XX/year>, no remedy has been provided to date. 
The following accounts listed on my credit report are inaccurate and in violation of federal laws : XXXX XXXX XXXX XXXX Charged Off Account XXXX XXXX XXXX  - XXXX XXXX Account XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX - Charged Off Account XXXX XXXX XXXX XXXX XXXX XXXX - Closed Account XXXX XXXXXXXX XXXX XXXX  - Collections Account XXXX. XXXX XXXX XXXX - Collections Account The accounts mentioned above violate the following laws : - 7 CFR 1782.3 _ 15 U.S.C. 1681b - 15 U.S.C. 1681c**_**15 U.S.C. 1692g 15 U.S.C. 1692d**-**15 U.S.C. S 1692i _ 15 U.S.C. 1692 I demand the immediate removal of these accounts from my credit report due to their incorrect and unlawful inclusion. I have enclosed documentation supporting my claim, including prior communications regarding this issue and references to the aforementioned violations. 

The continued presence of these accounts on my credit report is causing significant harm to my financial reputation and stability. I respectfully request the CFPB 's assistance in investigating this matter and ensuring the removal of these accounts from my credit report without further delay. 
Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution.
Product: Credit card or prepaid card

I am raising this complaint to the CFPB against Capital One for negligence and disregard with respect to a dispute that was filed on my credit card in XX/XX/2022. XXXX XXXX : XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX billed my credit card and refused to give me a refund on this transaction. We were in XXXX to attend a concert on XX/XX/XXXX ; however, I tested positive for XXXX that afternoon and had to go into quarantine. When I contacted the merchant, they essentially brushed it off as not their problem and were not willing to make an exception by issuing a refund. The merchant also failed to recognize that they were engaging in deceptive practices by scheduling their " pre-concert party '' right at the same time as early entry began which is what my tickets had been for ; XXXX XXXX XXXX knew this was an opportunity to take advantage for a quick few extra bucks at my expense and even telling them I was sick didn't phase them because they'd rather me turn their event into a XXXX super-spreader rather than making one simple refund. 

Flash forward to end of XXXX when I submitted this dispute. I explained the situation to Capital One, provided the relevant information they requested including a letter outlining the timeline of events and receipt for the transaction as well as the communication between myself and the merchant. Capital One refuses to do right by their customers and uphold this dispute citing that it lacks all previously requested information needed to validate my dispute. I followed the instructions that were given to me by the agent that shared my claim was denied and uploaded everything to the portal to then be told that nothing I provided was sufficient. I think this is disrespectful and in complete violation of Regulation Z as Capital One did nothing on their part to conduct a thorough investigation and was very quick to side with the merchant over {$410.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sagestream LLC is apparently a company that calculates your credit score. They 're giving people ( including myself ) lower scores so that banks can charge a higher interest/APR. My credit score with all three credit bureaus is XXXX. Theirs XXXX. Please research this company for fraud.
Product: Credit reporting or other personal consumer reports

In ac

cordance 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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporti ng agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I applied on XX/XX/ for the XXXX XXXX Capital One. And apparently the new Cardmember Offer was {$200.00} once you spend {$500.00} within the first 3 months but I didnt received that. I havent received any email about this offer. My friend referred me and I applied for the card and was accepted but did not receive the welcome bonus.
Product: Mortgage

I was at the end of a chapter XXXX bankruptcy when my note was transferred from XXXX XXXX XXXX to BSI Financial Services on XXXX XXXX, XXXX. I was never informed of this transfer ( presumably due to the fact that the bankruptcy was not yet discharged on that date ) and continued to make payments to XXXX. In XXXX of XXXX I received my first piece of correspondence from BSI, a NOTICE OF DEFAULT AND INTENT TO ACCELERATE. BSI claims that when they took over the loan in XXXX, the account was already two months in arrears and they only have payment through XXXX XXXX, making it perfectly legal for them to claim default. Again, I never received any correspondence suggesting that I owed more than I was paying. Additionally, BSI claims that they sent all correspondence to me in a timely manner, only they sent it to the wrong address, so I never received anything from them, and they would have received the returned mail back at their offices. In fact, I still do n't have all of my statements from BSI, though I have requested them via numerous phone calls, letters, and emails. 
I contacted XXXX to get a payment history to prove to BSI that I had been making payments on time, every month, however, the XXXX representative that helped me stated that my account was closed and they could not access anything on my account except to tell me that BSI was my new servicer and I needed to deal with them. ( Meanwhile, the payment history that BSI was requesting that I acquire from XXXX as part of the proof they required was already in their possession, something they received from XXXX upon transfer of the note. ) I sent BSI all of the proof that I could get from my bank ( cancelled checks and transaction ID numbers for electronic transfers ), and they denied my proof as being valid and submitted a Notice of Trustee Sale to me in XXXX ( while I and my BSI loan officer and his supervisor were supposedly looking for a way to resolve this highly damaging clerical error ). 
BSI has added late fees, miscellaneous administrative fees, back payments ( which include payments for months that were already submitted to XXXX ) and attorney 's fees to the reinstatement amount, which is now in excess of {$13000.00}. In XXXX XXXX, exactly six months after BSI acquired the note, BSI returned my checks to me instead of accepting the payments toward my account - to date, they have only accepted funds for my account that were transferred over from XXXX, none from me directly. And if their payment history can be trusted as accurate, it also appears that BSI has misappropriated the funds that they did accept on behalf of my account. They were charging me for taxes and insurance through an escrow account, but they had never paid those bills - they just paid them last month, AFTER I brought it to their attention. 
I have a complete history ( with dates and outcomes ) of correspondence and phone calls to both XXXX and BSI that I would be happy to submit as well.