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

Transunion had a computer glitch that caused inquiries to be deleted. Transunion later added them back onto my credit report without giving me legal required written notice 5 days prior to them re-adding them. I have contacted Transunion in good faith to ask them to delete the inquiries that they had illegally re-added. On X/XX/2017 around XXXX XXXX I spoke with a Transunion rep name XXXX and later that day around XXXX XXXX spoke with a XXXX to advise them that I checked my credit report and found unauthorized inquiries on it. Both reps declined to remove inquiries off my credit report. I advised both reps that these inquiries has had a financial hardship on my life because it lowered my credit score that made it harder for me to purchase a home. I told them that they were violating my rights, but I was told by the rep XXXX that this was Transunion 's problem and it does n't matter. I 'm asking the CFPB to help me stop Transunion from continuing to victimize me.
Product: Student loan

I 've tried repeatedly to reduce the interest rate on my student loans, have been denied and advised to take out a personal loan. With a bankruptcy on record, this is not an easy endeavor. I have paid {$21000.00} in INTEREST on my student loans ; {$3400.00} has been applied to the principle. This is absurd, and I will NEVER be able to pay this off w/out getting a personal loan - which I should NOT have to do. I worked hard to earn my degree, and have a stable, steady job XXXX. Apparently, because my payments are not XXXX % of my total monthly in come, I do n't qualify for any of Obama 's current programs. I feel like I 'm just XXXX, and have no way out. I am submitting a complaint because I think being locked into an absurd interest rate because of the US Government is just ridiculous and totally unfair. I thought the point of earning my degree was to enhance my career and future. All this has done is hold me back.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau, I am pretty much at my wits end here. Your job is to ensure that the information on my credit report is accurate and reporting correctly! That is the law! I know my rights and the FCRA is a law that the government put in place to ensure that you do the right thing when it comes to my credit report. 
You have blatantly ignored that! 
I am demanding that the following accounts ) be removed from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Comments : Placed for collections. 

XXXX XXXX XXXX $ XXXX Comments : Account information disputed by consumer, meets FCRA requirements I am requesting that a full credit report showing these deletions be sent to me after the investigation has been completed. 
Regards, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I have contacted Comenity Sony Card by phone ( which I have for 20+ years ) about COVID options. I've been given a generous 2 months defferral with no interest option. On XX/XX/XXXX got letter that Sony card INCREASING my interest rate to 24.99 % from 11 % without any reason. I've haven't had any issues with the card prior to my COVID request to defer the payment. This is unacceptable to receive a spike in interest for no reason when we are experiencing financial difficulties. The latest option they offered me is to close the account before the rate spikes, but how is it an option if I can't pay off my balance. In a negative rate economy, how is that credit cards are doing anything they want and keep sinking people to more debt? So basically the card helped me for 2 months with deferral and interest rate and now " catching up '' on getting all that back from me + more by increasing my interest rate. 

I want my previous 11.24 ( v ) % interest rate back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Name : XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Checking or savings account

I was in XXXX  from XX/XX/17 until XXXX during that time my account was accessed and funds totalling {$420.00} where withdrawn attempted to resolve through financial institution they said no fraud was committed I was responsible for those withdrawals which of course being I'm due t be XXXX and right now because of that I can not pay my rent am homeless have no food and can not pay my cellphone bill
Product: Debt or credit management

I am writing to formally report a concerning issue with a debt relief company named Freedom Debt Relief. I used their services and paid XXXX  monthly from XXXX until XXXX, in which I paid over XXXX dollars with the expectation that they would negotiate with my creditors to improve my credit situation. Unfortunately, I recently discovered that they failed to pay off a few of the debts that was listed and a a result, I am now being sued by that Creditor " XXXX '' which was actually the smallest debt listed. The situation has caused me significant distress and financial harm, as I relied on Freedom Debt Relief to manage and resolve my debts responsibly and they DID NOT!!!. I believe that their actions may have violated the consumer protection laws, and I urge your office to investigate this matter. I am concerned about the practice of this company and the potential impact on other consumers who may be in a similar situation. Freedom Debt Relief ( FDR ) literally requested me to STOP paying my bills and instructed me not to answer the phones for my creditors ; XXXX told me they would handle it and not to worry ; Here it is XXXX and my credit is ruined and I am still dealing with creditors from the past.
Product: Credit reporting or other personal consumer reports

My credit report has delinquent marks on my account while mortgage relief applications during the COVID-19 pandemic were being processed and I have been approved for {$23000.00} + and Mr. Cooper received funds. I am searching for other options but I am told about the info and I can't be helped at this time. Originally My mortgage {$860.00} has never missed or late payments XXXX and I personally pay my property taxes, insurance and HOA. COVID-19 pandemic my payment became delinquent property taxes and while my XXXX was in final review my lender paid the taxes so I was disqualified and application had to be cancelled and caused me to be in shortage {$1900.00} plus more fees. My payment is now {$1200.00} and I get foreclosure in 30 days I receive {$1600.00} XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act the following accounts have violated my federally protected consumer rights and confidentiality under the 15 USC 1681. 

XXXX XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX # XXXX, 15 U.S.C 1681 Section 602 A, State I have the right to privacy 15 U.S.C 1681 Section 602 A ( 2 ) States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

15 U.S.C 15-2 ( A ) ( 1 ) Reporting information with actual knowledge of errors 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.

And in accordance with the new law put in place with the cares act any accommodation given to a consumer...
Product: Credit reporting or other personal consumer reports

Im writing you today to inform you that I'm disputingerroneousinformation on my credit file.In accordance with the Fair Credit Reporting act. The list of items below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. : 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. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I could not get a response after mailing a request in for credit reports ... I tried to do online and it said I had an account it had wrong phone- went to this email Name on file showed XXXX after it closed out- not full hyphenated name!!! Make sure name on file is correct- XXXX and Equifax company keeps switching my name to parts of name or account compromised- online, tried account exists already-? In one spot full hyphenated name show!!! If this is legitimate site then information is being changed for my social security number Remove XXXX I called- no record of account under social use appeared on report -Provide name sources -Errors in name reporting Some systems dont hyphenate so I ask them to close name so it wont seem like last is middle name! 
-PLEASE hyphenate my name!! 
-Dealing with odd things - in home, car etc..cyber theft stalking hacking forgery and more. While I use computer., phone and work crazy activity just today also ... 

Did remove XX/XX/XXXX I Do not have 2 credit cards Disputed XXXX loan type and amounts and XXXX XXXX XXXX loans inaccurate the loans amounts increased! 
I am finding out my info is getting mixed up ... I believe a lot of places are getting hacked ... too many scams I never lived in Texas, Ohio, or California.. I am a Michigan resident all my life
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to REMOVE my fraud alert and REMOVE all personal statements with XXXX, XXXX and Equifax. I need the ALL PERSONAL STATEMENTS AND FRAUD ALERTS REMOVED.
Product: Debt collection

I receive many automated calls from this company. I do n't know the reason. They can write me with all details. I am in poor health and many phone calls are very worrisome.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a copy of my drivers license to Equifax That is government issued if am not mistaken that clearly shows my name as XXXX XXXX and my address Never in my life have i been known by XXXX so i would like to no were is proof that i actually went by this name and from who? I should not be jumping thru hoops and sending my social security # by mail enlarged with a copy of my driver License enlarged. I supplied required documents and i receive a letter it doesn't match what they have on file. Like they have a FBI file. False Reporting. Also they are reporting i owe XXXX and the address and phone number reported on report for mcu is false it is not Municipal credit union bank address or phone Number on report bogus.
Product: Student loan

I took out private tuition answer student loans from XXXX XXXX from XXXX when I went to School of the XXXX XXXX of XXXX. These loans are now serviced by Navient. They have been charged off since XXXX. I was n't able to pay the XXXX monthly payments and the servicer gave me no options but to default on the loan. Now the loans have more than doubled in interest and fees with in a two year period. Also Navient continues to report this on my credit report with erroneous information. The closing date and the last payment made is false, illegally extending the statue of limitation on the account. This company is a predatory lender and their collection tactics are abusive and illegal. I ca n't even get I loan statement that describes these fees and interest. The fees and interest they have added to this account are exorbitant. I plead that the CFPB take legal action against this consumer predator Navient.
Product: Debt collection

Today, XX/XX/XXXX, I received a phone call from XXXX at XXXX XXXX XXXX in Georgia. He told me he was attempting to collect a debt owed to HSBC Bank in the amount of XXXX. I was informed that this account was opened in XX/XX/XXXX at an address that I have not lived at since XX/XX/XXXX. When I  informed him that not only did i not have an account with HSBC and didn't live at the address when that card was opened, he basically disregarded me and said I'd have to go to court to dispute that. He refused to provide any further information stating that some credit cards have a small hsbc bank written on the bottom of it but he couldn't give me anything more than HSBC and the account balance. He also informed me that he would only email me the affidavit of claim and i had 24 hours to decide if i was going to make payment arrangements or have it go to judgement. 
After I hung up I called HSBC bank who informed me they had no record of me having an outstanding debt with them or in collections. 
I found out some of my rights to information from cfpb and contacted the company back. When I called they tried to verify the last 4 of my social which i refused and was hung up on. The man XXXX I spoke too called right back and was nasty asking me what I wanted. I asked him to please provide a copy of the affidavit via mail ; he refused stating that " it's too easy for people to claim they didn't get the letter ''. I told him he's required to send correspondence via mail and also to provide who my creditor was as well as giving me 30 days to dispute. He said he wasn't required to do anything, that he was marking me as a refusal to pay and hung up on me.
Product: Checking or savings account

On XX/XX/year> I used XXXX to make a payment. I sent the money to an incorrect number and canceled the payment. On XX/XX/year> the XXXX that was cancel was placed back into my account. Then on XX/XX/year> the bank deposited another XXXX and proceeded to take the XXXX that was incorrectly placed into my account as I already recieved the refund plus they took an additional XXXX. I have tried to rectify it with the bank and they refuse to admit there mistake and properly credit my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not understand where this inquiry came from in my report. I do not know what company is microbilt corparation
Product: Credit reporting or other personal consumer reports

XXXX opened a new trade-in for my XXXX XXXX instead of transferring a consolidated loan that was sold from XXXX. Now I show XXXX different student loans that shows a XXXX balance. Even though my student loan have been forgiven, they are still being reported under my credit as showing I owe a balance with XXXX, whom reported that they can't update my credit report and that XXXX needs to make the change and update my credit report to show a XXXX balance.
Product: Credit card

When purchasing an airline ticket from XXXX XXXX, I received a discount offer on an AAdvantage Citi credit card stating that I can receive a {$200.00} credit on the ticket purchase by applying for the credit card ( see attached ). After completing the application and receiving the account, I reached out to Citi to see how to apply charges to the new credit card offered. I was told that I can not do so because I will need the credit card number that will arrive within 10 business days. When I complained, their response was, " You will have to apply the credit to your NEXT purchase through XXXX XXXX. '' I made a second purchase via XXXX XXXX after receiving the credit card number. I charged the purchase on the AAdvantage credit card. I asked where is my {$200.00} credit. I was told that I will have to wait 2 to 3 billing cycles ( 6 to 8 weeks ) before the credit will appear. When asked if I must pay the entire ticket price before receiving the {$200.00} credit, I was told, Yes. '' So, the offer is an abject lie and after purchasing over {$1000.00} from XXXX XXXX, I STILL can not apply the {$200.00} credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the company Exeter Finance Account XXXX has violated my rights, by reporting inaccurate information on my credit report. 


15 U.S.C. 1681 Section 602 A states I have 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.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Data furnishers are required by law to fully investigate any dispute that 's brought to their attention. If they do n't, they could face substantial regulatory action from the Consumer Financial Protection Bureau. In XX/XX/XXXX, the CFPB issued a formal bulletin warning lenders and other data furnishers, such as debt collection agencies, that they will be penalized if the CFPB finds they are n't properly investigating consumer disputes. 

First, XXXX XXXX XXXX XXXX XXXX sent a collection agency notice to my parents house and not to me at my address in Texas. 

Second, XXXX XXXX XXXX XXXX XXXX did not investigate my dispute of the invalid debt that I sent them via U.S. Mail and e-mail on XX/XX/XXXX. They reported me as delinquent to the Credit Bureaus and I have experienced significant adverse outcomes as a result of their actions.
Product: Credit reporting or other personal consumer reports

My account with this XXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. 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 in XX/XX/year>, XX/XX/year> 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.

This company 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: Mortgage

I am trying to refinance my mortgage interest rate 7 to 8 % they are hiking my payment by almost {$1000.00} a month. they deferred payments over the life of my loan ( 12 over 12years ) I was never told that the interest would be put to the side as a separate part of the loan and now I can not refinance my home appraisal is {$200.00} K and with the interest which they do not wish to waive I owe $ XXXX they have not modified the loan I have tried to get it modified in the past and they do not work with me to make things reasonable I am desparate I do not know how I can pay almst {$2800.00} a month when I take home about {$4000.00} total the company is HSBC mortgage services ins acct XXXX thank you XXXX XXXX XXXX
Product: Debt or credit management

XXXX XXXX  and others have tried to appease my " lack of payment ' FOR SERVICES RENDERED. 

NO SERVICES WERE EVER RENDERED. 

Frankly, I, and I am sure many others are afraid to go against " Lexington LAW ''. 

Your help would be appreciated. 

Willing to participate if need be in recovering monies owed to individuals trying to make a difference and being taken advantage of. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint before concerning an account for that I requested proper validation and verification from FABCO saying that I owed a debt of {$1100.00}. I need this account to either be validated or removed since it is not accurate. FABCO is the second company trying to force a claim upon my person from this previously disputed account.