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

In XXXX, I opened a personal loan for {$4500.00} with XXXX  XXXX XXXX. In XXXX, I had that same loan with XXXX XXXXXXXX XXXX increased into a new loan amount of {$9000.00}. In XX/XX/XXXX, I then applied for them to convert that personal loan into a line of credit and it was increased to {$11000.00}. 

In XX/XX/XXXX, I lost my job and by the end of XXXX became unable to keep up with payments with XXXX XXXXXXXX XXXX leaving an outstanding debt of {$7000.00} from the line of credit I had established with them in XX/XX/XXXX. 

In XX/XX/XXXX, XXXX XXXXXXXX XXXX " charged off '' the account but then XXXX  XXXX XXXX took the outstanding debt of {$7000.00} they charged off and created it as another NEW line of credit and reports it as a new line of credit on my report as of XX/XX/XXXX. Last week I had an agency, whom I gave temporary power of attorney, to contact Hawaii XXXX XXXX to discuss the credit and to negotiate a settlement. XXXX XXXX did release some information, however, they were unwilling to have a conversation or to provide information on how the debt owned was converted to a new line of credit established in XXXX as it appears on my credit report. 

How can a new line of credit be established as new credit in XXXX and it is not? It was given a new account number as well. 
Can XXXX XXXX XXXX do this to keep the negative account information " fresh ''?
Product: Credit card or prepaid card

availed of CAPITAL ONE 'S $ XXXX balance xfer offer for 0 % for 15 months with 2 % xtion fees in XX/XX/XXXX. been paying minimum or more monthly pymts. hv other similar xtions w/ other cc companies that showed promo expiration dates on stmts & provide XXXX days to pay full bal w/o penalty. then came XX/XX/XXXX stmt w/ {$100.00} interest. i assumed 0 % finally ended so i paid full bal 3 wks after but more int showed on XX/XX/XXXX stmt so i called & pleaded abt waiving int & told had to borrow for $ XXXX full pymt just to clear acct but not even an amt for courtesy adj was made that other cc companies do esp pandemic time. i complained abt not putting exp date on stmt but supervisor was tough so i agreed acct to be closed. however in XX/XX/XXXX, been getting collection calls so i checked & late fees+int continued to accrue to {$290.00} so i called again. pled w/ another supervisor for waiver & asked if i cld just pay orig {$100.00} & consider debt forgiveness for the rest b/c i'm still unemployed w/ XXXX 4 yrs now, benefits denied, on food stamps, wife 's earnings seasonal only, home pymts unpaid since last yr etc. supervisor was either deaf or no heart for concerns at hand even after saying other companies are helping their clients b/c of pandemic effects. he agreed tho that promo expiration dates shld be on cc stmts & wld suggest it to admin. acct is XXXX if that helps. thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name DEPTEDXXXX {$3500.00} DEPTEDXXXX {$2000.00} DEPTEDXXXX {$1000.00} XXXX {$640.00} XXXX {$3500.00} EQUIFAXXXXX {$160.00} XXXX {$910.00}
Product: Mortgage

After being affected by hurricane IrmaXX/XX/XXXX. Due to damage and repairs I had to make out of pocket. My mortgage company XXXX  helped me apply for a hardship and was working with me prior to the sell of my mortgage to another company. My point of contact at XXXX was XXXX XXXX XXXX. Spoke with her weekly and was assured everything was being done to help me keep my home.XX/XX/XXXX was notified my mortgage hardship was approved and they were waiting for finale numbers before sending me out my new contract to sign.

XX/XX/XXXXnotified my mortgage was being sold to Rushmore Loan Management and my modification would remain in affect.

Reach out to new company assigned to XXXX XXXX XXXX Notified her of my concerns and she acknowledged everything would continue as it was. Called weekly to stay on top of the situation only to receive a letter of denial in the mail and a offer to pursue a short sale.

Today after no return call from speaking with a supervisor on Monday Call and spoke to XXXX. Who informed me that supervisor XXXX XXXX   found the modification from previous Lender and waiting for supervisor to come out of a meeting to finalize modification.

I do not believe them so I wanted to put a complaint in place for some one else to help me keep on top of this.

Thank -You
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX. The reason why I am writing this complaint is because on my XXXX, Experian, and XXXX  credit report on XX/XX/2019. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Product: Mortgage

We contacted our bank which our home loan is through to let them know about our situation change- going from 2 sources of income, to only one. ( I had gotten laid off from my job, then I got very sick and was in out of hospitals ). After HOURS of going to different branches trying to make a mortgage payment, only to be told we dont know why we cant process your payment only to get returned check fees and no one returning our calls, I made myself sick from all of the stress, XXXX, and helplessness I felt! I literally left 5 vms yelling and begging someone to PLEASE call me back so we can pay them!!! Guess what? NO CALL, and now a foreclosure letter demanding an insane amount of money within 30 days, or our house could be sold!! I called that COLLECTION company over 5 times only to get the run around and some young girls sounding like they are reading a script and tell me sorry we cant help you. I am so lost for words and just want to be treated like a human, is that too much to ask???
Product: Credit reporting, credit repair services, or other personal consumer reports

Vehicle 's that have gone through Court to have me removed from them- are still showing up on my credit- when I was told by a Judge that all 3 of the vehicles that I was on with XXXX XXXX XXXX have been removed- due to Fraud committed by Him with his company-
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a XXXX XXXX, and as a result, several fraudulent accounts have been reported on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following accounts and inquiries which were opened or reported due to the 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Credit cards were not being paid on time, company closed my account because the interest was way too high.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Transunion ( TU ) over 25 times regarding this matter each time being hung up on or transferred into dead air.

I have asked that TU follow the guidelines of the FCRA.

I have reported REPEATED VIOLATIONS of the FCRA to the company as well.

The company has acknowledged they are in violation of the FCRA and that i need to contact the CFPB if I want to have issue resolved.

When i asked TU who authorized them to furnish a credit report i was instructed that congress and the CFPB gave them the authority to do such. As I have advised to representatives there that TU is an independent company who ASSUMED this role and was not AUTHORIZED to do such - i am hung up on. When i reach out and ask who gave authorization for TU to furnish a report - i am hung up on.

Section 604 ( a ) ( 2 ) alongside other pieces of the FCRA identify that a consumer written consent is needed for a credit reporting agency to furnish a report.

According to the CFPB and the FCRA Transunion needs to have my written authorization which gives instruction or permission to furnish a report on myself.

I have asked TU to generate the document showing that i have given them permission to furnish a report - the same rules and guidelines as set forth by the CFPB- and they tell me that they can't generate it. I have requested on 10+ occasions that TU delete any piece of information on the current report that they have generated as i have NEVER GIVEN MY WRITTEN AUTHORIZATION to generate furnish or produce any report whatsoever about me or my likeness. Furthermore no piece of information that was furnished was validated or verified as identified by the terms set forth in the FCRA. I never gave permission especially not to report inaccurate data.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and wil
lful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit Card provoked a dispute with me in late XX/XX/XXXX. I discovered that even though it resolved in my favor, they continued to mar all three of my credit reports with a statement about it. I asked XXXX to stop reporting it via a phone call in XX/XX/XXXX. They did not. I have detailed what happened under the complaints XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX - Equifax, XXXX XXXX - XXXX, and XXXX XXXX - XXXX. I am complaining again because I was not satisfied with any of the responses.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items 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, credit repair services, or other personal consumer reports

Please be advised that XXXX XXXX XXXX is a loan broker, that three years ago I acquired a loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is a broker only, and when the loan went into default, the principal owner known as XXXX XXXX XXXX - XXXX sold all rights to the debt to XX/XX/XXXX, XXXX. This loan was used for completion of a real estate project only, with a partnership that did not work out financially. XXXX XXXX XXXX exercised its right to protect its investment through legal channels, and through my legal representative the debt was settled for a cashiers check of {$12000.00}. My position is quite firm, when the original debt was sold from XXXX XXXX XXXX XX/XX/XXXXto XXXX XXXX, XXXX XXXX XXXX XXXX lost all of its rights to maintain a credit rating position with all pertinent credit bureaus, XX/XX/XXXX, Equifax and XXXX XXXX respectively through a XXXX Supreme Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX Third party transfers VOIDS all rights under the Fair Debt Collection Practices Act, which disconnects all rights to maintain the credit payment history or the content of its history with the Fair Credit Reporting Act. Accordingly, XXXX XXXX XXXX must delete my entire file and purge its content permanently. My rights are in violation at this time and from my research the Federal Deposit Insurance Corporation has a right to intercede. Therefore, this reference on my personal credit report must be deleted immediately and permanently. I have referred my complaint to all credit bureaus to advise them that XXXX XXXX XXXX is in violation of their subscriber agreement with all credit bureaus, and should be sanctioned by the Consumer Financial Protection Bureau for this serious offense. XXXX XXXX XXXX must delete and purge my file with all pertinent credit bureaus, period. 
XXXX XXXX
Product: Debt collection

I received notification from my credit card that there was a change in my credit and learned that Credence Resource Management had submitted a negative credit report. I have not spoken with anyone from this company, and when I looked at the credit report, it was the SAME negative credit entry from XX/XX/2023, therefore its a duplicate.
Product: Student loan

I received a call on XX/XX/XXXX from XXXX XXXX XXXX telling me that my loan was delinquent. I logged into my account and noticed I made a payment for {$260.00} on XX/XX/XXXX. My account showed a past due of {$56.00} ( see attachment ), however the representative on the phone told me my past due balance was {$72.00}. I called back to inquire why it was not showing my past due balance as the correct amount, explaining that if I went by what the website was saying and made the payment for what was past due, I would still be delinquent. This inaccurate display of balances due was the reason the XX/XX/XXXX payment was not for the full amount, as I always pay the balance in full by selecting what is due. I spoke with customer service for XXXX XXXX XXXX ( on the line for over 35 minutes ) and I was told that there was an issue with their billing. I have four loans and only three loans were showing up on my bill ; the fourth was showing up on a different bill. They told me that they are working on resolving the issue. They also told me that I will not be negatively credit reported.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

Equifax is an violation of the Fair Credit Reporting Act ( FCRA ) for failure to properly investigate the inaccurate information on my credit report. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I bought my home in XXXX. I had a hardship and had to modify my loan in XXXX. XX/XX/XXXX i refinanced. XX/XX/XXXX HUD sent a letter saying i owe them {$30000.00}. I contacted Freedom Mortgage and they said the title company ( XXXX XXXXXXXX ) was at fault. So i contacted the title company and they pointed the finger at the mortgage company. Ultimately the mortgage companys insurance rep contacted me and stated Im at fault and i need to pay. I had no idea until HUD contacted me that there was an issue. Im thinking with underwriting and the entire process someone shouldve caught this. 

No one from the mortgage company or title mentioned anything of this. Ultimately i ended up paying over XXXX. 
Its affected my credit and like for years up until now. I still dont believe i am responsible for this debt as my mortgage company let me know nothing of this happening. He clearly stated the loan was forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX Balance {$400.00}
Product: Student loan

I am a XXXX and am now entering my fifth year of XXXX. When I entered XXXX XXXX XX/XX/2011, I deferred both my federal and private XXXX student loans until I am out of XXXX XXXX. My private loan at the time was through XXXX XXXX, which is now Navient. This fall Navient informed me that I had a 48 month limit to my loan deferment, even if I have been enrolled as a full-time student this entire time, according to my promissory note. I found the promissory notes ( I have XXXX loans with Navient ) with the electronic signature from when I took the loans out, and there is no language that says I only have a 48 month limit for deferment. When I disputed that claim on the phone Navient representatives were dismissive, told me all promissory notes have a 48 month limit and that there is nothing I can do and I must pay now, and told me to send all correspondence via a mailing address, rather than dealing with this issue on the phone or online. Additionally they removed all of my original online documentation from XXXX XXXX when my account was rolled over to Navient. I have also paid for forbearance to temporarily lift my loans out of delinquency because they were charging $ XXXX/month payment and this payment is unreasonable. I expect that Navient should have the promissory notes in their accounts and quickly agree to honor our agreement either online or over the phone, and that they should allow me to keep my loans in deferment while I am still a student.
Product: Money transfer, virtual currency, or money service

My cash app account was hacked on XX/XX/XXXX and {$700.00} was stolen from my account. The company dismissed my claim but it was their application that was hacked. They claimed that a known device was used to transfer money from to other people before so that is why they think this transaction is authorized. My phone was stolen on XX/XX/XXXX and I have transferred using cash app since then from a new device so shouldn't their same rationale be applied and they should have questioned transactions from 2 separate devices? THEIR SECURITY IS LACKING AND THEY SIMPLY DO NOT WANT TO BE ACCOUNTABLE. 

I provided cash app with the usernames of the people wo stole my money but they refused to approve my claim or find my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings to you ; Please be advised, that I XXXX XXXX have tried on multiple occasions to dispute the accuracy of this account being negatively reported on my credit reports with Experian ; This account in question has Been Closed and is in error reporting by Experian continuously. They are saying in replies that the " account was verified '', which is NOT TRUE ; it was Not verified and IS Inaccurately reporting. 

XXXX XXXX support services have been also notified and they have CLOSED this account after recognizing it was a Double reporting of the Same account! 

Therefore it must be removed according to Fair Credit Reporting Act. and 15 US.C Sec. 1681 ( a ) ; this account begining in ( XXXX ) was not verified for accuracy. 

It is not supposed to be reported by any agency. And Proof of its accuracy was NOT Determined nor sent to me as requested by Law.
Product: Credit reporting or other personal consumer reports

I appreciate you making an effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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 have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the request in letters to BARCLAYS BANK DELAWARE with regard to the method of verification and proof of documentation, but they failed to provide the documents requested. I find this company fraudulently charging amounts that I am not liable to pay. I highly demand that this fraudulent account should be removed immediately from my credit report.