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

My credit report for both XXXX and Equifax are showing old high balances on several accounts that are showing I either paid off or there is little to no balance. This is impacting my credit score because it is showing I have several high balances and this information is not being updated properly. For example I used XXXX and had a high balance of {$3800.00} in XX/XX/XXXX. I paid off the credit card on XX/XX/XXXX and its still showing a high balance reported in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : DEPT OF EDUCATIONXXXX  Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX XXXX XX/XX/2022 - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

I, XXXX XXXX, a consumer, the natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. 

Certified Mail # : ( XXXX XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in various letters stating the law and why it is illegal for unauthorized accounts that were furnished on my report without my consent needed to be removed. The reporting agencies have not removed these accounts that have been illegally furnished on my account. I sent in notarized affidavits along with my FTC reports and other documents I will upload here. These documents were sent to XXXX, Equifax, and XXXX. The accounts are still on my consumer report and I am going to take my documentation to the courts and sue for every violation that is on my consumer report. 

I would like to state that XXXX, Equifax, and XXXX are in violation of 15 U.S.Code 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. I never gave written consent to report anything on my consumer report. No consent is identity theft. The items have been illegally furnished on my consumer report. If they are not removed, I will no longer extend my credit or allow XXXX, equifax and XXXX to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By allowing these inaccuracies to be furnished on my consumer report it has cost me to lose confidence in the banking system. If XXXX, Equifax and XXXX wants to continue doing business with me they should delete the unauthorized items from my consumer report.
Product: Mortgage

I have tried to get a modification or forebearance or something to help me when I lost my job back in XXXX. I finally got a job in XXXX but was turned down twice for assistance. My problem is that twice I received letters asking me to send information to them so they can review for assistance. I am getting confused on what is going on. I feel I am being strung along. XXXX are and PHH are both not being honest with me on what is going on. I want XXXX XXXX investigated also.
Product: Credit reporting or other personal consumer reports

I ordered copies of my credit report and discovered accounts that do not belong to me. I am a victim of identity theft. I requested that the companies remove the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I also requested the companies remove the following addresses from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 also requested the companies remove the following incorrect names : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I also requested the companies remove the following outdated employment information : XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I enrolled in 2 online XXXX XXXX at XXXX XXXX XXXX XXXX. I have found out that they falsely reported that I never started class so my federal loan was canceled after being disbursed. The class did not have any coursework only a final. I was never notified of the cancellation and only found out when I was denied graduation. I have reached out to several advisors and was told that I would have to pay the loan back on different terms than I initially agreed upon. I have reported this issue to student aid and was told that there was an opportunity to reinstate the loan but time had expired to do so. XXXX XXXX XXXX XXXX has denied me the ability to graduate and has now sent this account to collections. It is extremely unfair to sign up for an XXXX XXXX  and then later be penalized for not " utilizing office hours '' which is an optional task. It is also unacceptable to force a student into high interest rate loans!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion keeps taking my credit score down without a reason. on XX/XX/XXXX they lowered my score by XXXX points, instead of raising it after my debt to my XXXX card went down... 
see report... 

XX/XX/2023 We found 1 change to your TransUnion credit report XXXX XXXX XXXX XXXX points since XX/XX/2023 Balance Decreased XXXX XXXX  account balance decreased Between XX/XX/2023 and XX/XX/2023, your XXXXXXXX XXXX credit card balance decreased by {$88.00} from {$6000.00} to {$5900.00}. 

Nice work lowering your balance! Even though you're still using over 30 % of your card 's credit limit, you're on the right track. If possible, keep working toward getting your Credit Card Utilization rate to below 30 %.
Product: Student loan

My daughter XXXX XXXX XXXX  the now closed XXXX named XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX from XXXX to XXXX. XXXX borrowed and I cosigned for both XXXX and XXXX loans to XXXX  this XXXX. Because of the failures with the XXXX following through with student complaints, we filed and are included in the XXXXXXXX XXXX XXXXXXXX immediate forgiveness settlement. The type of XXXX loans received are eligible for forgiveness. But was paid in full when ruling was made. Private loans held by Navient were consolidate XXXX XXXX XXXX XXXX, in the amount of $ XXXX. This since has been paid down to $ XXXX. We requested Navient 's application for XXXX XXXX XXXX and quickly returned for processing. XX/XX/XXXX Navient informed us that our application has been denied due to the consolidation. XXXX was incapable to pay these loans and was illustrated by her Social Security earnings records provided to Navient, along with roughly XXXX pages of additional evidence. I have paid every payment. It is wrong for Navient to exercise a " technicality, '' to avoid obligation to the mislead borrower. Please help our broken family that has been lied to while I have paid over $ XXXX to the liars.
Product: Mortgage

We have been working on a Short Sale since XXXX ( See attached Document named " Summary of Events with Citi Mortgage on the Short SaleXX/XX/XXXX '' ). The lender has given excuse after excuse why it has taken so long to evaluate the offer. Their continued inexplicable delays caused the original buyers to walk from the deal after the contract expired ( 180 day ) despite having a complete package the entire time. Immediately, after the other buyers " walked '', we submitted another Cash offer and complete package at the direction of the lender for the same price. It was provided directly to them AND their local counsel ( See Attached ). The Lender performed an appraisal just a few weeks ago ( attached ) that supports our offer price and  assures them they will NET what they desire. 

The Lender and their Counsel have refused to the cancel the sale next week despite continuing to work on the short sale offer, asking for documents they already have and admitting receipt of a complete package. This unfortunately is not surprising since they have continued to push forward with the foreclosure sale despite having an open loss mitigation alternative. They are simply dual tracking this foreclosure case and not acting in good faith. Previously, they failed to cancel the trial despite admitting to be in possession of a complete package/short sale offer for months. This is the definition of DUAL tracking. CITI is simply is trying to drag this out and force foreclosure when a SHORT SALE offer is in their possession which is a cash deal that NETS them exactly how much they require. This is a WIN WIN situation for both parties. There is no reason not to postpone the sale and approve the Short Sale Immediately which benefits all parties. Why are they allowed to move forward with a foreclosure case including a trial and sale when they had a complete package since XXXX ( verified by their counsel on XX/XX/XXXX ). 

Again, They are DUAL TRACKING this foreclosure Case and have been since in inception. PLEASE HELP!!!!
Product: Mortgage

I had my account setup to make biweekly payments to my mortgage accounts. Due to an antiquated payment processing system, the biweekly payments weren't being applied correctly and caused my account to incorrectly reflect as past due. I called on XX/XX/ and a very helpful agent fixed my account through the following actions : a. Took a payment for {$3600.00} over the phone to settle my unapplied XXXX XXXX  payment. 
b. Put in a request to issue a early partial principal payoff of {$1800.00} which was applied to my account on XXXX XXXX XXXX  per the attached statement. 
c. Additionally, I made two payments of {$1800.00} each on XX/XX/ and XXXX XXXX XXXX These two payments were combined as applied as my XXXX payment. 
d. On XX/XX/, I made a payment of {$3600.00} against my XXXX payment due. 

A refund check for a partial payment of {$1800.00} was apparently processed on XXXX XXXX XXXX   I never received this refund check. I called twice and was told to wait for USPS regular mail delivery of said refund check. The second time I called, I spoke with XXXX XXXX who gave a refund check # XXXX and was told to email her if I did not receive the check after XXXX. I emailed her at XXXX but never received a response. After waiting until early XXXX, I called a third time. The agent helped request a new refund check and voided the original refund check. I was assured the new check will be sent via a trackable mailing service. The agent also indicated she would call and email me with the tracking number once the check gets mailed out. I received neither. 

It's XXXX XXXX XXXX  and I am yet to receive the replacement check. I called a few minutes ago and the phone agent wasn't of any help. I sent a secure message using the Loan Depot messaging service within my account login. The response I received from the Loan Depot representative is illogical and ignorant to the concern on hand. 

It's been six weeks and I find it unacceptable that LoanDepot would take such an insensitive approach to this issue. Please advice on the status and when I can expect receipt of the refund check.
Product: Debt collection

I was contacted by portfolio recovery company and they are trying to collect a debt. I had written them back to provide validation of this said debt. They then responded again with the same prefilled forms that they sent me the first time. They are asking me to validate by give them all sorts of information. No when a consumer writes in and asks for validation of a said debt, the company who is trying to collect is suppose to provide this information. This company is not providing anything. It is not my job to validated a debt that they are trying to collect on. Under law it is their job to validate, not verify, the said debt. The are reporting on all 3 of my credit bureau and have never validated the debt.
Product: Credit reporting or other personal consumer reports

I've obtained a copy of my credit report, and after careful review, I have identified inaccuracies. I am out of any and all authorizations I have given written, unwritten, verbal and non verbal consent. I do not have a contract with YOU, your agents, or your company. YOU continuously report negative items and false and misleading information while attempting to collect alleged debt. YOU have an obligation to protect me as a Consumer. Instead, I am fighting identity theft, defamation, causing harm to me and my financial well being. YOU are also committing Mail Fraud. I have one name, one address, one phone number, and one email. 
I am requesting the following : Delegation of Authority What agency/agencies gave you my information without my consent? 
How was my information provided to you? 
Are you the trustee?
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Crop is reporting I owe them a total amount of XXXX dollars. After numerous attempts to contact the agency and ask for debt verification and debt validation as well as a sign contract with this agency ( which they were unable to provide ) but instead sent a bill from XXXX. I have reached out to the credit agencies and I am not getting any responses to the discrepancies on my credit reports are reporting inaccurate information as I have never had an account or signed contract with this company. 

This account has come back verified but what actual proof did they verify because they still did not provide a contract I have specifically with this company. I reached out to this company over 30 days ago and have yet to receive a response from anyone.
Product: Credit reporting or other personal consumer reports

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) Therefore XXXX is in violation of my privacy as stated in the about act that includes any student loan or financial information. I have not given written consent to furnish my information to anyone. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Transunion, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " 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 nonpublic personal information. '' 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I have filed multiple complaints and I understand that not a thing has been corrected or changed. This is considered at this point willful violation.
Product: Credit reporting or other personal consumer reports

XXXX  report an inquiry XX/XX/year> by XXXX XXXX XXXX. I have no business with this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This information does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by third party. I declare under penalty of perjury I am alleging that a person or company-without my authorization- from unauthorized use of my social security number and cardused my personal identifying information to apply for goods, services, or money ; and, wassuccessful in creating some account. I have no knowledge of this and all is beinginvestigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumerreports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : 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

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX, # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to remove the following fraudulent accounts off my Credit file : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$9400.00} XXXX XXXX  XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}. UNder the FCRA section 605b, you are required by law to remove these accounts off my Credit file since these accounts resulted due to my identity being stolen.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Debt collection

Originally the medical bill was to from XXXX for XXXX XXXX 3 years ago. They didnt file in time with XXXX but little did they know my mother works for XXXX XXXX XX/XX/XXXX. So they put it on my credit as Im only 22 now and was born XX/XX/XXXX I didnt know until I recently started checking my credit. They said that they sent us hills and my mother checks all my mail and will attest we never received anything from them, not to mention I have insurance so it shouldve been billed to them. So it went to Wakefield and Associates. Since recently Ive gotten XXXX to bring the balance to XXXX with the help of my mothers XXXX people who know they didnt give timely filing. Now since XX/XX/XXXX Wakefield and associates says its been submitted to be removed from the bureaus, although XXXX says they havent received anything since XXXX, and its XXXX now. they keep running me around in circles but nothing has been getting done since XXXX. XXXX has caused the strain of properly billing the insurance company and then placing it on my credit and the collections company is telling me they reported it but XXXX isnt seeing any change. Ive talked to them and told them what transunion has said and they say they cant supply me with a letter to the bureaus that it has been submitted for removal.