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

Hi I am submitting this XXXX T 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 719transunion has me at a score around 590. 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 n 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 us rept but they refused they had me on mute for 4 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 n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Debt collection

Payday loan was taken out in XXXX. in XXXX was contacted by a debt collector and made a settlement payment of XXXX dollars on the original loan amount of XXXX. received a letter stating it was settled and closed. in XX/XX/XXXX I received a Notice to XXXX XXXX  account, I was positive I paid it but was unable to locate paperwork. I had just been laid off and could not change a levy so I called and made a settlement payment of XXXX. After the payment was made my wife received a letter to XXXX and she located the original payment of XXXX. We attempted to contact the original creditor and they can not locate the account, we have called the collector from XXXX and # 's are no longer active, we called the creditor that sent the XXXX notice and have not gotten any were to get my money back or stop any levy actions, we have left several vm messages with no return communication. Debt was paid and cleared in XXXX.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b/Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 16811 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- '' promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately.it is XXXX XXXX account which is XXXX XXXX XXXX, it is the hard inquiries from XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Unauthorized cash withdrawal was taken from my credit card account. I reported the fraudulent activity to the credit card issuer and the charge is still showing on my account. The bank is Braclaycard and the case number is XXXX.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Consumer Loan

Purchased vehicle with 21.9 % interest and the sales person was not clear about the terms of the contract. The XXXX mile four year warranty was really only a XXXX mile four year warranty. The sales persons were deceptive and not looking out for the customer and more focused on commission of the sale. After nearly four years I still owe more than the original sticker price of the car. The car needs major repair but the warranty is expired. They refuse to offer refinance option to make the car more reasonably affordable. It may take four more years to pay off a car that has started to fall apart. I am unable to purchase a dependable car because of this terrible contract with them. I feel like I was trapped into a bad contract. This contract is forcing me into filing bankruptcy as an only alternative.
Product: Credit reporting or other personal consumer reports

In line with FCRA 605B, we need to remove any erroneous accounts from my credit report. Could you examine the documents? There are inaccuracies in the reported accounts, including amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX a Federally protected consumer informed XXXX that they are in violation of 15 U.S.C 1681a ( d ) ( 2 ) ( B ) by reporting the follow items on my consumer report. 


XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Synchrony said that my case was unfounded because the items were shipped to my address. I do not understand what part of me being XXXX XXXX they do not understand. I was not in control of my house my person of any of the accounts in my name.
Product: Credit reporting or other personal consumer reports

I have a letter from the creditor dated XX/XX/2023, confirming that the inaccuracy should be removed. However, Equifax responded to the XXXX stating that they verified the information as accurate. Based on the letter I received from XXXX, it appears to be a lie. I spoke with a Supervisor at the Equifax Call center and was told these inquiries would be removed but they are still being reported on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been in XXXX Texas since XXXX, The address Equifax has of XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX I own but it is currently rented out to a husband and wife couple. The XXXX Card I never applied for and I have No need for credit since I am authorized to use my childrens credit cards. Please Delete the Fraudulent Account listed below. 

Account - - XXXX XXXX XXXX Account Holder - - XXXX Account Type - - Revolving Account Condition - - Closed Date Opened - - XX/XX/XXXX High Balance - - {$330.00} Monthly Payment - - {$44.00} Account Balance - - {$230.00} Last Reported - - XX/XX/XXXX Amount Past Due - - {$0.00} Limit - - {$500.00} Remarks - - - Responsibility - - Individual Account Past Due - 30 Days - - XXXX Past Due - 60 Days - - XXXX Past Due - 90 Days - - XXXX
Product: Credit card

Amex Every day Credit card sent replacement card XXXX/XXXX/XXXX for an Additional Card Member XXXX other than the my billing addres to XXXX FL XXXX XXXX post office.XX/XX/XXXX I do no know who charge card XXXX shoping {$630.00} USD and XXXX/XXXX/XXXX in XXXX XXXXFL {$75.00} USD. I am call Amex customer service more time about fraud my card, but from my last statements Amex not fixed this charge.I am so upset about that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} ; XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/2017 Balance {$420.00} ; XXXX XXXXXXXX Date opened XX/XX/2017 Balance {$0.00} ;
Product: Mortgage

I contacted Mr Cooper/Nationstar on XX/XX/2019 notifying them I had received a statement on XX/XX/2019 that I had an escrow shortage of {$430.00}. I paid the escrow shortage in the amount of {$430.00} on XX/XX/2019. My payment was supposed to go down from {$1200.00} to {$1100.00}. There was and has not been any change in my payment even though I paid the shortage. I have contacted them 2 times telling them specifically what the issue was. One time was on XX/XX/2019 and I received an email that I would be contacted in 3-5 business days. After not hearing anything from them and no change for a few weeks I contacted them again on XX/XX/2019 and received and email that I would be contacted in 5 business. To date I have not gotten any response and I continue to be overcharged on my escrow. Ive paid the shortage and they are still charging me the pro rated increased payment even though I have notified them 2 times and provided there own escrow statement to them with the figures and details to support it. They are flat out refusing to adjust it or even acknowledge or contact me. Im simply being ignored and dismissed while they continue to take money from me incorrectly.
Product: Credit card

My personal XXXX and XXXX with Bank of America were closed. XXXX and XXXX Also my business XXXX that is in my name XXXX I have always handled my credit cards in a proper manner and always paid my bills on time, in fact I just made a payment on both accounts recently. There is absolutely no legal justification for closing my credit card accounts. Obviously, they are closing my accounts due to my advanced age and I consider this elderly abuse. Additionally, at least the card ending in XXXX has disappeared from my online login BofA profile XXXX  so I can not even see what is owed on it or what I should pay now.
Product: Mortgage

A balloon payment is due on the second mortgage XX/XX/XXXX in the amount of $ XXXX about. The company is Select Portfolio Servicing XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. I have been working with the company since XX/XX/XXXX for a term extension of a few months. We are working on a 103 year old house to get it ready for the spring market. My wife is an experienced top realtor in our area. We can fix the house or pay off the second but can not do both which we have told SPS many times on recorded lines. The house is un-sellable without the deferred maintenance items remitted. We have provided SPS with front and back check copies for $ XXXX of contractor work to date. We have offered in writing to pre-pay any term extension. We can not refinance as I am unemployed do to COVID and my wife 's business has been negatively impacted. 

SPS says they can not extend term or help us because we are current on the loan. None of their loan modification products appear to address being current and asking for short term extension. They have told me numerous times that is because of federal rules which I do not believe to be the case. 

Just got off the phone with SPS ( noon XXXX XX/XX/XXXX ). The agent implied that I could make my regular {$550.00} XXXX payment on line on their site and it would be accepted. He also said for us to apply again for loan modification XX/XX/XXXX which we will do. 

We are trying to not have our credit harmed when we miss the XX/XX/XXXX balloon payment while making our normal monthly payment. 

I have documented every call and there are lots. The CFPB web sight shows 25 complaints on SPS in XX/XX/XXXX alone and XXXX CFPB complaints over the past 3 years.
Product: Credit card or prepaid card

Today, XX/XX/19 at XXXX XXXX XXXX., I made a payment to Citibank. The payment amount was for {$250.00}. The source was my Citibank checking account. The application was to my Citibank Mastercharge account. The vehicle was the Citibank mobile app. I followed the instructions and when I completed the transaction it stated I had transferred the full balance owed ( {$10000.00} ) instead of the other amount of {$250.00}. I immediately tried to cancel the transaction but there was no feature to do so. I called the bank and was told that the checking side saw the transaction but couldn't reverse the transaction but the credit card side could. I transferred to the credit card side and at first they couldn't see the transaction. After going back and forth the credit card side saw the transaction and said they could transfer the money back in 3 to 5 days. This has caused my checking account to become overdrawn. I was unlucky. I have overdraft protection so that plus my balance allowed the transaction to go through. My compliant is having to wait 3 to 5 days for the funds to go back to the account when it is the same financial institution just different sections. I will probably incur overdraft charges because all my bills are coming in on ACH 's. The bank should be able to instantly return funds if it is an intabank transaction but for some reason they didn't anticipate people mistakenly paying more than intended. I have used their app twice and had problems twice. I have told them I will never use their app for any transaction again. I know that you can't help me as by the time you see this and act, the money should be back. I am sending this to help someone else that runs into this problem and isn't as fortunate as me.
Product: Credit card or prepaid card

An authorized third party did purchase on XXXX on XXXX. XXXX where initial transaction in the amount of {$700.00} by her credit card # XXXX was cancelled and immediately charged again on XXXX to my Credit Card # XXXX on file with XXXX. I complained to XXXX about the charge, then it was cancelled again and XXXX immediately refunded my credit card company on XXXX. 
Using my XXXX account, the initial purchase above ended up being charged to the authorized user credit card # XXXX on XXXX whose person received the merchandise. 
Last time XXXX refunded my credit card company was on XXXX and my credit card company insists that there is nothing wrong and refuses to refund me for the charge that XXXX has already refunded them.
Product: Credit card

I am greatly concerned about the presence of this late payment on my account, given my consistent history of timely payments. This situation is causing me considerable distress, and I urge you to rectify it promptly by removing the late payment.
Product: Credit reporting or other personal consumer reports

Subject : Assistance Needed for Credit Report Errors and Data Breach Impacts Dear CFPB Team, I am writing to request your assistance regarding ongoing issues with my credit reports. Over the years, I have encountered significant inaccuracies, including outdated addresses, incorrect names, unauthorized inquiries, and unverified accounts. Despite multiple efforts to address these errors directly with the credit bureaus, they remain unresolved.

Additionally, repeated data breaches, including the recent Equifax incident, have worsened these challenges and compromised my financial security. These unresolved issues have caused harm, such as denial of credit opportunities, and violate my rights under the Fair Credit Reporting Act ( FCRA ) and the FTC Act.

I respectfully request your intervention to ensure the credit bureaus investigate and correct these inaccuracies promptly. Enclosed, you will find relevant documentation supporting my claims.

Thank you for your attention to this matter. I look forward to your assistance in resolving these issues.

Sincerely, XXXX XXXX
Product: Debt collection

Portfolio Recovery Associates LLC has been engaging in harassment tactics, attempting top collect on a debt for which they were told was due to identity fraud. Every week they send letters and call my work number.
Product: Debt collection

This was an emergency room visit for my daughter At  XXXX   XXXX  medical center of  XXXX  Illinois. The date was  XXXX   XXXX    XXXX  . At the time of the visit I presented them with my daughters medical card, and then several months later I was contacted saying I owed them this money because they did n't handle things in the proper manner or something. I informed them this was their mistake and not mine to which they gave me a ridiculous list of actions that I needed to take for their mistakes. I informed them that due to the time lapse the medical card program was probably not going to pick up the bill now, and since then I have heard nothing from them and I had assumed they got everything straightened out, that is until I ran my credit report today and found out I was still in collections for it. I fail to see how their negligence should be something I have to pay for both literally and metaphorically speaking. Especially considering the reason I applied for the medical card for my daughter because I could not afford to provide her with the proper medical treatments myself.
Product: Debt collection

I was contacted by XXXX XXXX XXXX on XX/XX/XXXX at XXXX pm. They left a voicemail saying that this was a notice of a civic lawsuit and considered this as being served. I called back at XXXX pm. The respresentive processed to say that I owed a capital one debt in the amount of XXXX and that they would take me to civic court in order to collect and i would have to pay XXXX for court cost and legal fees. I proceeded to tell them that I did not have a capital one account since XXXX and that it was included in bankruptcy in XXXX. She supposedly check and said that this debt was incurred in XXXX and payments stop in XXXX. I asked how I could take care of this and proceeded to say that they were willing to take XXXX. I paid. It did not sit well with me afterwards so on XX/XX/XXXX I called to get a emailed receipt for it and they did. But the more I thought about it I knew I did not have a capital one card in XXXX. On XX/XX/XXXX I called capital one to verify if I had any accounts open or if I owed them any money, they verified that I didn't. Thats when I called XXXX XXXX XXXX to get more information about them, more specifically their debt collector license number, She said that they were not a debt collection agency but mediators for a debt collector and were registered with theBBB.
Product: Credit card or prepaid card

On  XXXX   XXXX ,  2017 ,  Citi  imposed a {$35.00} late fee and {$170.00} in interest on my credit card account. I had made payment through my bank 's bill-pay feature, and had proof of on-time payment. So I called Citi about  XXXX  EST on  XXXX   XXXX ,    2017  to look into the erroneous late fee and interest. Customer service representative "  XXXX  '' said payment was due on  XXXX   XXXX , but not received till  XXXX   XXXX . I looked at a calendar, and saw  XXXX   XXXX  was a Sunday. I explained to  XXXX  that federal law prohibits penalties for payments received the next business day when payment is due on a Sunday or holi day. Citi refused to acknowledge its mistake, or reverse the late fee or interest. Hence this request for CFPB 's help. Thank you for your assistance.
Product: Debt collection

I have a debt of over XXXX XXXX on my credit report I have no knowledge of the reason as to Why this is on my account. I have called the number that is listed on the account the lady that answered not only cursed me and was rude ( which I have witnesses to ) but refused to give me any information as to why this charge is even there because I said I was not comfortable giving my social security number over the phone. She then hung up the phone and when i called back she would pick up and hang up happened multiple times and refused to let me speak to the person above her. I have NEVER been served a paper I have NEVER had anything explaining any information that I have requested on this matter. I am asking that this debt be removed from my account due to false information and the fact I have no knowledge of this.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXL Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX 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

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Urgent Request for Intervention Regarding Identity Theft, XXXX  Trafficking, and Delayed Credit Reporting Actions Seeking immediate relief and fine for violation Attention CFPB, I am writing to request your immediate intervention regarding an ongoing issue with Equifax and their failure to take corrective action regarding my credit report. As a victim of human trafficking, my credit report contains fraudulent and derogatory information that has not been removed despite submitting the required victim documentation 45 days ago on XX/XX/XXXX. 

XXXX. **Failure to Act Within the Legal 5-Day Calendar Period** Under FCRA Section 605 ( c ) and 1022.142, Equifax is required to block all adverse items related to trafficking within **5 calendar days** of receiving the appropriate documentation. Despite this clear legal mandate, Equifax has failed to comply, leaving me in a situation where I am being denied housing, struggling with my business, and suffering severe XXXX XXXX 

XXXX. Request for Immediate Action and Compensation** I am requesting that the CFPB intervene and ensure Equifax XXXX - **Blocks all derogatory information** resulting from trafficking-related debts or fraudulent accounts, including **student loans** and **creditor inquiries**. 
- Updates my credit report to reflect accurate information and remove all fraudulent marks. 
- Uses only the address provided in my lease agreement, as this is the only valid address I can currently use due to my housing instability. 

In light of the 45-day delay** in responding to my request, and the **ongoing harm** this has caused, I am demanding {$1000.00} for each derogatory mark** currently on my report, as well as {$100000.00} for emotional distress** and **punitive damages** due to the significant delay and failure to act in accordance with the law.

I respectfully ask for your **urgent assistance** in resolving this matter and ensuring that Equifax is held accountable for its unlawful actions.

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, AZ XXXX XXXX XXXX