23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XXXX, XXXX I paid off all my revolving debt through a HELOC loan with my bank, XXXX of Colorado. XXXX sent letters along with the payoff funds to each company asking for " any documents of title, properly endorsed and released and any security agreements to be released or terminated and any note or credit agreement marked paid or cancelled '', this clearly means to close the account upon receipt of these funds. Kohl 's did not close my account per the request unbeknownst to me. As I had just had my credit report pulled for my loan I could not check it again, post loan, to see if anyone was still reporting on my credit without hurting my credit score. Last night, XXXX XXXX, XXXX Kohl 's sent me a new credit card in the mail that I did not apply for, so I knew my account had not been closed as the letter in XX/XX/XXXX had instructed them to do. I called them today, XXXX XXXX, XXXX to ask for account closure and a credit correction to the XXXX credit bureaus as they have been reporting on my credit report in error for the last 7 months and affecting my credit score. They have refused to help me and have taken the position that the letter did not ask them to close the account and the bank can not request a closure on my behalf, I have to request it. I explained to them that is why the letter has my signature on it, this shows that this was my request. They refuse to correct my credit report. I should not be penalized and have my credit score affected, as I am trying very hard to improve my score and be very smart about my credit worthiness simply because they can not decipher a letter of this nature requesting closure of an account. Having this revolving credit as a trade line on my report is hurting my score and has for the last 7 months, while I thought my score was improving and this should have been removed in XX/XX/XXXX.
Product: Consumer Loan

I performed the initial steps to see loan refinance options with " Open Road Lending. '' They presented themselves as a middle man of sorts. They would find the best banks and then they would pass along the information. I received a call from one of their representatives stating that they could only talk on the phone. I called the customer representative and gave him the information. I informed him that my only income comes from a XXXX pension. He said, " you 're XXXX? '' I answered yes and said I was on this retirement for 5 years. He questioned how I can be XXXX and have been XXXX when I was XXXX. He then said " this is a problem, the banks wont like it. '' He promised a return call. All I received was an automated email. I wrote a certified letter to the company, asking for the removal of the inquiries. They sent back an official denial letter, stating that they are a dealership, not what they advertised. I submitted a review online to XXXX XXXX, and they responded by saying that they are not a dealership. This is definitely something that a layman would not have picked up, and is deceptive. Their comments regarding my XXXX were borderline harassment, and were discriminatory in nature. The banks that they did send it to were some credit unions in Texas, the same state that " Open Road Lending '' operates.
Product: Debt collection

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> **The highlighted info can be obtained directly from your credit report. If you need assistance with getting your credit report please see the instructions page included. 
It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off.

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX is reporting inaccurately on the credit profiles associated with my social security number and are violating my consumer rights per : After comparing the credit report from XXXX, Experian, and XXXX, it appears that there are inconsistencies in the reporting of the XXXX account . The discrepancies are : The account status reported by XXXX is " Closed, '' while Experian and XXXX report it as " Paid. '' XXXX reported a " Charge account '' account type while Experian and XXXX reported a " Revolving '' account type. 

XXXX reported a " Credit Limit '' of {$0.00}, while XXXX and Experian both reported a credit limit of {$200.00}. 

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 1 ) ( A ), which requires that credit reporting agencies must provide accurate and complete information in credit reports. In this case, the different reporting of the account status, account type, and credit limit may mislead potential lenders and creditors who rely on credit reports to assess creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an validation of debt letters on XX/XX/2021 to both macys and discover. they have yet to send me anything validating the alleged debts.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 

On [ Date ], I sent a letter to TransUnion notifying them of the reinsertion of ( XXXX XXXX XXXXXXXX account numbeXXXX XXXX ) ( XXXX account number XXXX ) into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, TransUnion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 

Trans Union 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Trans Union, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Collection Agency Name : XXXX XXXX XXXX XXXX Account Number : XXXX Collection Agency : XXXX XXXX, Account Number : XXXX, In accordance with 15 USC 1692g , I, XXXX XXXX XXXX a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to Experian, XXXX, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/21 I signed up for a Coinbase account. This allowed me to make purchases for XXXX and XXXX via this site, which i did. On XX/XX/21 I lost access to my account and reported the issue to support. In signing up for service, my account access 2-factor for security was set up via SMS text. On XX/XX/21, my 2-factor SMS text was disabled by Coinbase thereby disabling my access to my account. Since then, customer support has refused to assist me in resolving this matter. As of today, I still do not have access to my account. Coinbase 's actions have caused me damages by not allowing me access to my account to withdraw funds, or sell my position to avoid losing money.
Product: Payday loan, title loan, or personal loan

I keep tabs on my credit regularly. I don't have the best credit in the world. However, I ensure everything gets paid on time, if not early ; nothing is or has been in collections for over ten years. All my credit cards are almost maxed out for various reasons, and I have two other personal loans. The goal behind going to Lending Tree was to consolidate everything down into one loan so I could lower my monthly payments. 

On XXXX, I went to XXXX to see about getting a personal loan. I completed all the required information. At XXXX point, the website showed me my credit score. The number was XXXX. I was in absolute shock. A XXXX is XXXX point away from being labeled as having " BAD '' credit and a XXXX is FAIR credit. 

After the initial shock of seeing XXXX as my credit score, I stopped the application process and immediately logged into my XXXX account. Had I been hacked, was I the victim of identity theft, had all the hard work I done over the years been for nothing? I pulled all three scores. The results were astonishing. XXXX XXXX, XXXX XXXX XXXX XXXX a XXXX difference. What the what? I was blown away. The actual scores put me in the solid " GOOD '' credit range. 

Admittedly, I am unclear how companies like Lending Tree make money. I would guess they are given a cut of the total value of each loan referred. In my mind, a higher loan value ( principal plus interest ) equals a higher payout for the lending trees of the world. 

If Lending Tree is telling their business partners that I have a score XXXX points lower than my actual rating XXXX. I will not get as many offers ; I look at a higher risk of default. 
2. The offers on interest rate offered is going to be exponentially higher, which means higher total loan value. 
3. After the loaning company runs a hard credit inquiry and finds the correct, higher score, there is no incentive for them to lower this interest rate. Why would they? They figure you are okay with paying a higher one. 

In addition, when you log into your Lending Tree account there are all kinds of links to other products that they recommend. All of which are tied back to your credit score. 

When I called the XXXX number to see how to rectify this, I was told they had never heard of this before and did not have any way of making changes. 

The way I see it, the lending tree is preying on individuals desperate for cash which might be struggling with understanding credit history, credit scores, and other topics of personal finance. They are deceiving the applicant for higher gain. I am not saying Lending Tree should not make money ; they absolutely should ; they provide a service. They should not be cheating the system and making people who already struggle with finances pay more. Talk about kicking someone while they are down.
Product: Debt collection

I received a letter for Rausch Sturm Attorneys at Law, located in XXXX Wisconsin. They were notifying me of a debt owed to XXXX student loans. I am disputing the amount and want to request more information but they have not returned any of my phone calls/voicemails. I did some research on the company and they have been a part of several lawsuits for deceptive practices and trying to revive old debts. Clearly they are a shady company and this is ridiculous they are allowed to handle this. I can not afford the debt amount and will need to work with someone to make an arrangement that works for me, however they refuse to answer me and they are doing it on purpose so the 30 days runs out. They write this is an attempt to amicably resolve the debt but its not because they are not responsive. These companies are snakes and look to hurt people. I want this removed as a debt and this better not make it to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

The company had me do a wire transfer on friday XX/XX/21 for a refi closing that was to take place at XXXX today XX/XX/21. The money has been transferred to them and they never sent the paperwork to the title company. The title company has tried to reach them for 4 days and has received no answer or return call ... .I have been calling them all day and getting no answer or return call. PLEASE HELP!!! Mr Cooper or Nationstar is the company that has stolen my money and now refuses to do what they said they would do. XXXX XXXX OR XXXX XXXX - neither will do what they stated they were going to do.
Product: Debt collection

The results of this complaint will be shared with the House Oversight Committee. 

XXXX XXXX has been harassing and defaming me. They have refused to follow federal law regarding quality of goods and services purchased with a credit card. 

They have defamed me and falsely claimed that they received defamatory information from XXXX, which they did not. When confronted with that lie, they claim that they had a duty to report negative information -- still NO BANKRUPTCY EXISTS so that is defamatory in and of itself. 

These are things they and CFPB will need to answer in the coming hearing on why the CFPB is not doing its job.
Product: Credit reporting

On XXXX XXXX I mailed Equifax a dispute for XXXX XXXX XXXX. The dispute was received on XXXX XXXX and I still have not received results on the investigation. I have attached the certified mail and return receipt. I have also attached the initial dispute letter with identifying documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. ) On my XXXX credit report it shows mortgage loan origination with LAKEVIEW LOANCARE as XX/XX/2021 ; when in fact, my mortgage was transferred from XXXX XXXX to Lakeview Loan Care on XXXX XXXX! 
XXXX does not show my XXXX nor does it show that XXXX transferred my loan to Lakeview Loan Care. IT ALSO SHOWS ON XXXX THAT I WAS DELINQUENT IN MY XX/XX/2021 mortgage payment which I paid to XXXX Mortgage on XXXX my XX/XX/XXXX! 
2. ) My XXXX credit report shows a Lakeview Loan Care Mortgage as origination date of XX/XX/2021 when it should be XXXX XXXX! 
3. ) My XX/XX/XXXX credit report shows a Lakeview Loan Care Mortgage origination date of XXXX XXXX when it should be XXXX XXXX. 
4. ) I have never been late in ANY MORTGAGE PAYMENT as proof from my account with XXXX XXXX who forwarded my payments to Lakeview Loan Care in what they say was a timely manner. However Lakeview didnt post my XX/XX/XXXX and XX/XX/XXXX mortgage payments until XXXX XXXX! Shame on Lakeview for reporting incorrect information to credit reports and damaging my excellent credit and doing it within 60 days of my mortgage loan transfer violating the Fair Credit Reporting Act!
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute all of the following debt In accordance with the fair Credit Reporting act In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number : XXXXhas violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never lived in XXXX addresses .. but instead with friends and had my email, while out of the areas my mail was forwarded to the addresses. Since I can not send addresses, how do eliminate from my profile?
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

MACYS/CBNA Balance {$960.00} Date open XXXX XX/XX/2015 XXXX has not removed this negative mark in my credit report, I can demonstrate with proof that this account does not belong to me. 
I did an investigation this company sent me a report showing that they open the account with a social security number also my name and address, that does not correspond to me this potentially affects me to apply any kind of credit or a job where I have already been rejected.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Experian refused to update or provide proof of the methods used to verify the accuracy of their reporting on my credit profile for account XXXX XXXX XXXX Since XX/XX/year>, they have collected inaccurate information on my credit profile and supplied it to financial institutions and other businesses. My repetitive efforts to have this problem resolved ended up being fruitless.
Product: Student loan

My student loan was disbursed back in 2015. I've never been without a job since graduation with the exception of a few months that I broke my foot, but as soon as I was able to work with a knee roller, I was back. I've even held XXXX jobs the majority of the time and did side work to make funds. I've made all attempts to pay my student loan and unfortunately those who helped me co-sign have helped me which is embarrassing to me. 

The way they set up my payments even if I try to make a payment and bring the one down at a time, they go and disperse the monies through all of them and it's like nothing it budging. 

For ex. how can it be that a $ XXXX loan and I've made $ XXXX in payments and only $ XXXX went to the principal. The interest is fixed. 

I understand that forbearance, deferment and late payments can incur fees, but this is unreasonable, a scam, and not far to those hard workers. Again working my tail off and the reason I need help is to not affect those who believed in me and tried to help me. I shouldn't be penalized because my salary doesn't match my payments to live and survive. I live well below my means. Other than car insurance, a cell phone and a place to live I don't have additional expenses. How is anyone to survive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX XXXX in XXXX Nevada to purchase a XXXX XXXX XXXXXXXX. I was lead to believe the vehicle was in stock and that we were working a deal on a vehicle they have. I told the dealership that I had my own financing through XXXX XXXX XXXX XXXX and a preapproval letter through Capital one but they are high interest and that I do not want to use them. The sales person asked for my social to verify my preapproval and that he may be able to get me a {$1000.00} rebate from XXXX XXXX. would not be a hard inquiry. I do not want inquiries on my credit and would not sign anything allowing so. nothing was presented. Then they told me they have an approval through cap one. They ran my credit to 5 banks without my approval whatsoever. nothing signed. nothing allowed. with very clear instructions not to do so. They Lied and according to their online reputation I now see that this scammy behavior is common practice. on top of that they sent a purchase order, asked for a deposit and secured it for purchase. then when it came in lied and said it was damaged and it was really sold.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX credit card report first delinquency is XX/XX/XXXX. I thought the first day of delinquent is when the 7 year count down start to remove charge off debt. I was told by credit report agency said XX/XX/XXXX to XX/XX/XXXX is when its one year and so forth. I thought one year is counted from XX/XX/XXXX to XX/XX/XXXX. If the way to count the each year as what credit agency said then it need to be public information. If my way understanding is XX/XX/XXXX-XX/XX/XXXX is counted as one year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this issue and still haven't been resolved. 
My rights are still being violated according to FCRA 15 U.S code 1681 Findings and statement of purpose 15 U.S code 6801 Protection of nonpublic personal information 15 U.S code 6802 Obligations with Respect to disclosure -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans Union XXXX