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

Hi I am submitting this XXXX 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 XXXX 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.with no help.
Product: Credit reporting or other personal consumer reports

I recently filed bankruptcy for the past year i have been getting repeat inquiries from the same banks or lenders without my authorization I have a fraud alert on my report and I have multiple inquries from these banks
Product: Student loan

My previous complaint XXXX was closed after the servicer responded with inaccurate and unhelpful information. The servicer made me reapply for the Income Driven Repayment plan after having approved me. I gathered all the documents and reapplied at the beginning of XX/XX/year>. I just received a letter stating that they have denied my application. So I am back to square one again.
Product: Credit card or prepaid card

I updated my auto-payment method in XXXX and it didn't ever switch for whatever reason. Then, when the XXXX  thing obviously didn't go through, I spoke with someone and was trying to explain that my account needed to be switched because the payment method I chose wasn't the one that it was trying to take the pay emend from. So the payment was returned again because the account was invalid. I've been trying to explain this to the people at Citi and even filed a previous complaint. No one is listening to what the error was. I actually spent a couple of hours on the phone with a supervisor in XXXX and he thought it was really odd as well. He looked into it and " found the problem '' and linked my account AGAIN and then auto pay has been fine ever since. They even refunded the charges on my end due to the error having not been on my side. However, this month ... in XXXX, they slashed my limit in half, because of this missed payment debacle. Due to this, my credit score is adversely affected because now this card is " maxed out ''. No one actually listens at this bank. I want my limit restored. I even got a letter from Citi today, XX/XX/2020 in regard to this- and the letter states that the error was on my end. When it's been established that it was not, I updated my accounts in the app and it STILL used an old linked account, hence the " insufficient funds '' and " invalid account number ''. 

I'm not saying it was a bank error, specifically. But, it is DEFINITELY an app error, and of course the app belongs to Citi. Thus, this is a banking error. I have another card on Citi that was set up the exact same way and had zero issues with it. I've never had a returned payment in my life. This is atrocious and the customer service at this company is out of control. This company has lost all integrity in my eyes and the eyes of many others who have attempted to get help and received nothing. No ones even called me back. I just received a letter. It's pretty pathetic.
Product: Credit reporting or other personal consumer reports

i reachout numerous times to experian XXXX XXXX about fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX THE FCRA SEEKS ACCURACY AND FAIRNESS OF CREDIT REPORTING 15 USC 1681 { A } 15 USC 1681 I [ A ] 1 ] [ a ] the cra tha negligently fails to comply with the fcra i would like these items removed due
Product: Vehicle loan or lease

We have a customer by the name of XXXX XXXX XXXX who refinanced with us back in XXXX. We sent the Power of Attorney forms to Bridgecrest along with the payment of {$28000.00} for the XXXX XXXX XXXX he financed with us. Everything has been finalized and it has been now 3 months and Bridgecrest is trying to hold the title back from us and even tried to send us our money back after they already cashed it to force Mr. XXXX to stay with them to take the car back. This is not attainable for the simple fact that he has his loan tied into one of our client 's, Bridgecrest is now legally obligated to send us the title regardless of what matters they have with Mr. XXXX  or contract. They have been sent payment for the car and once accepted even if they send us a check, that is on them to give us the title for the vehicle. The vehicle VIN is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

The company Paragon Revenue Group is in violation of my HIPPA rights, I mailed them a letter XX/XX/2020 to remove all information off my credit reports due to the fact they were in Violation of the HIPPA Law. They have a DBA ( DBA Paragon Revenue Group ) which is on my report as off XX/XX/2020 showing as verified and accurate. Please see attached of their Violation of my HIPPA.
Product: Mortgage

On XX/XX/XXXX I made an electronic mortgage payment of {$13000.00} which included my monthly payment of {$580.00}. I stipulated the excess funds be applied to my principal balance. The payment was applied without an issue. 
On XX/XX/XXXX Nationstar withdrew the regularly scheduled monthly mortgage payment from my account, {$620.00} ( {$580.00} regular payment & {$30.00} applied to principal ). Later that day I made an electronic mortgage payment of {$12000.00} to Nastionstar Mortgage specifying the entire amount be applied to the principal balance. I received confirmation from Nationstar the payment was received on XX/XX/XXXX ( Confirmation # XXXX ). The payment would have left a balance of approximately {$800.00}. To date the {$12000.00} has not been applied to my principal balance despite 3 phone calls ; XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and one email ; XX/XX/XXXX. I have not received a response to my email. With each phone call I was assured the issue would be resolved in XXXX to XXXX hours. I requested an email response at the end of the XX/XX/XXXX phone call with Nationstar representative, XXXX, Badge # XXXX. He assured me I would receive an email response from his supervisor, I have not. 
Today, XX/XX/XXXX I spoke to supervisor XXXX XXXX, XXXX ext. XXXX. She explained the funds were not applied to my balance because the remaining balance was such that Nationstar typically contacts customers to ask them to submit the entire payoff amount. I have n't been able to get any sort of response from Nationstar much less a cold call asking for more money to payoff the loan. 
As an aside I must say each representative I spoke with was courteous and tried to be helpful.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 views of consumer report showed illegal late payments from XXXX and illegal inquiries from capital one bank
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries were not authorized by me I contacted the credit agencies but the items were not removed.
XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

After my mortgage was changed to a new servicer, NewRez ( also Shellpoint Mortgage ) the new servicer raised their fees to an excessive degree. While certain fees went from {$0.00} to {$100.00}, others went from {$0.00} to {$2000.00} and in the most extreme case a fee went from {$30.00} to {$35000.00}. As someone who never chose to do business with this company, these fee changes are a way to hold customers hostage, especially as some that were XXXX, are now required when paying off your loan as are other activities related to refinance and ending your relationship with this loan servicer.
Product: Vehicle loan or lease

I have been an owner of XXXX Nissan vehicles and referred at least XXXX more friends to the XXXX XXXX Nissan in our neighborhood. Overall the vehicles and the dealership have performed well. The problem is due to the fact that the tires on my Nissan XXXX have not held up to normal driving patterns and scheduled rotation. Ive told on the XXXX occasions that my tires need to be replaced to excessive and irregular wear. This began at XXXX miles and just less than halfway mark on my lease, well under what would be considered normal tire wear ( Average tire wear is XXXX miles ). At this point in the middle of winter in XXXX unsafe tires is not a good thing, considering we just got XXXX feet of snow over XXXX days. 

I believe that Nissan should remedy the problem that seems to be prevalent in a few models in the last XXXX years. If not, I will look to other car manufacturers who stand behind their product within a XXXX month lease. I can not believe you have to replace tires on a car that has less than XXXX miles.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX I was contacted by Right Now Loans after looking for a payday loan. The representative told me I was approved for {$200.00} and sent an email for me to sign the pages. We discussed on the phone the loan terms and my pay back options. She guaranteed me that I could pay back my loan amount ( {$200.00} ) plus the finance charge. And I asked so thatll bring me to close to {$300.00} or so she agreed. In the application process I never seen nor did she go over the 736 % interest rate nor the {$1300.00} finance fee. For a {$200.00} loan. I stressed to her my health situation and why I needed it. As a lender you must consider debt to income ratio and all before approving such. My signature is copied on each page of the agreement which baffles me because I would have hung up soon as I seen the interest fee and rate. This is extremely predatory and a misleading conversation. And I learned that pay day loans are not even legal in my state and thats what I specifically asked for in the process. I want to get my money back and or stop all future payments. As theyve already received {$600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Debt collection

They call my work and cell phone repeatedly and then called my daughters phone # and harassed her about giving them my phone number.
Product: Debt collection

I did an Voluntary Return of Merchandise to CONN 's on  XX/XX/2018 because the Company was deceptive and put unauthorized charges ( insurance ) on the account. Two men came to my house and pick up the TV and Sound system on XX/XX/2018. Now a year later CONN 's is Harassing me with letters from Attorneys stating I owe for Merchandise that was return to them on XX/XX/2018. They have continued to show delinquent account on my credit report for monthly payments which are no longer due since the merchandise is not in my possession. I have sent them letters, filed a complaint with XXXX XXXX and have recently disputed the report to my credit report they have yet to get this corrected.
Product: Debt collection

I have sent a written request to Carmax Auto Finance LLC for my 1099C form that was filed in order to Charge off my account. I requested that the form is sent to me via email and mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested XXXX of XXXX from Experian and have not yet received a response from Experian verifying or validating the bankruptcy listed on my credit report. Experian did not respond or complete the investigation of the disputed bankruptcy within the required timeframe as outlined by the Fair Credit Reporting Act ( FCRA, U.S.C. 1681 et seq. ). I have the right to request a description of the procedure used to determine the accuracy and completeness of the disputed information. On XX/XX/2021, I sent a letter certified mail to ensure deliverability requesting Experian provide me their investigative procedure ( Method of Verification ). On XX/XX/2021, at XXXX XXXX. the letter was delivered and the thirty ( 30 ) days to complete investigation and response with the Method of Verification began. As of XX/XX/2021, the XXXX grace period given to respond to my request expired without a response to my request. On XX/XX/2021, I sent Experian a follow-up letter via certified mail to ensure deliverability requesting their Method of Verification. On XX/XX/2021, at XXXX p.m. the letter was delivered, to date I have not received a response. Experian has failed to provide me with the requested information I am entitled to under the Fair Credit Reporting Act. Therefore, I would like Experian to delete the unverified item from my consumer report and refrain from continually reporting the unverified information.
Product: Debt collection

multiple phone calls, when I answer, they immediately hang up. No letters have been sent to me, only repeated calls but no one will speak. 

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

Business checking account ending in XXXX was closed by Wells Fargo on XXXX XXXX, 2017, after fees levied from my old merchant 's account ( case number XXXX ) caused this account to become overdrawn on XX/XX/2017 ( per letter dated XX/XX/2017 ). The fees included a non-compliance debit for me reportedly failing a test by a third-party vendor ( XXXX ) for using another third-party vendor 's ( XXXX ) site to process payments. Both companies, including XXXX XXXX, are included in the merchant services provided by Wells Fargo. I was not aware of these three third-party vendors, in addition to the Wells Fargo site, until after signing a contract for said services to which I consider predatory in nature as compared to other merchant services providers whose service is dramatically streamlined into one site. My old account has been reported to XXXX XXXX XXXX ( per their letter dated XX/XX/2017 ) which will make it difficult to open another checking account. Still receiving unwanted and annoying emails and letters from their bank.
Product: Credit reporting or other personal consumer reports

Fay Servicing refuses to provide me with account information which I am entitled to under Financial Services Law, specifically Part 419 of Title 3 of the official compilation of codes..of the XXXX XXXX XXXX Fay Servicing, by acknowledging me as an equal borrower on this note, has failed to provide me with information that needs to be provided to each borrower. I was not notified of the transfer of this loan but rather discovered it on my credit report in XX/XX/XXXX. I received the transfer letter in XX/XX/XXXX in a packet via XXXX XXXX attorney generals office. I was not given the notice of delinquency that I am entitled to if the borrower is more than 45 days late ( 419.7 ). Never received requested payoff balance, requested annual statements, escrow balances or proof of property insurance! All this incompetence from a Mortgage Servicer. Outright refusal to provide required information! How can I verify the accuracy of this account? This needs to be removed from my credit report until ALL requested information is provided.
Product: Mortgage

ATTACHED ARE XXXX LETTERS DATED XXXX XXXX, 2015 FROM MY SERVICER - BSI. THE LETTERS ACKNOWLEDGE RECEIPT OF " ADDITIONAL DOCUMENTS FOR YOUR APPLICATION TO OBTAIN A MODIFICATION. '' IN THE XXXX LETTER BSI MAKES THE STATEMENT " WE ARE NOT AWARE OF ANY DEFICIENCIES. '' BSI FURTHER INDICATES THAT A DETERMINATION WILL BE MADE WITHIN 30 DAYS. BSI HAS ALSO SCHEDULED A FORECLOSURE SALE DATE FOR XXXX XXXX, 2015. BSI IS ENGAGED IN DUAL TRACKING AND THIS IS EXPRESSLY PROHIBITED IN CALIFORNIA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Unauthorized and Fraudulent Reporting of Student Loans Dear [ Experian ] I am writing to formally dispute the student loan information that appears on my credit report. These loans have been fraudulently reported without my authorization, and I demand their immediate removal. 
The specific account ( s ) in question are : Creditor Name : [ XXXX ] Account Number : [ XXXX ] Reason for Dispute : I never provided XXXX or any loan servicer permission to report this loan to credit bureaus, making this reporting unlawful and fraudulent. 
According to the Fair Credit Reporting Act ( FCRA ), credit bureaus must ensure that all reported information is accurate and legally permissible. Student loans are not traditional consumer credit, and I never signed any agreement allowing this debt to be reported on my credit file. Reporting these loans without my consent is a violation of my consumer rights. 
I demand the immediate deletion of these accounts from my credit file. If you refuse to remove these items, I request : XXXX. A legal explanation detailing the authority by which this loan has been reported. 
XXXX. Proof of my signed authorization granting permission for XXXX or any loan servicer to share my information with credit bureaus. 
Under the FCRA, you are required to complete your investigation within 30 days. If these fraudulent accounts are not removed, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal counsel to pursue further action. 
Please confirm receipt of this dispute and provide an updated copy of my credit report once these accounts have been deleted. 
Sincerely, [ XXXX XXXX XXXX XXXX : [ I have submitted FTC complaint XXXX Complaint # XXXX ]
Product: Vehicle loan or lease

Purchase date- XXXX ARP- XXXX Finance chargeXXXX Total of payments- XXXX Amount of Payments- XXXX I absolutely believe I was definitely overcharged for a XXXX XXXX XXXXXXXX that I can not drive at the moment because of the transmission need to be replaced I am having a hard time trying to get repairs on the car because the job will cost me another XXXX to replace the transmission on top of continuing to make payments of a non working vehicle. Credit Acceptance employees will harass you after you set up a payment plan they will still report to the credit bureau as missing payments which put my credit in complete jeopardy.
Product: Credit reporting or other personal consumer reports

Federal Student Loans : Defaulted through XXXX Entered into Fresh Start : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Tradelines are still being reported on XXXX and XXXX with adverse actions : 180 days late x 10 x 20 = hundreds of new adverse marks re-inserted. 

Per the contract attached with Fresh Start, this adverse information was to be entirely deleted per Department of Education. 

My XXXXXXXX XXXX occurred on XX/XX/XXXX. I was not in default when the loans from Fresh Start were sent to Nelnet for discharge. 

My credit has been defamed, and I demand that these tradelines be erased and am requesting compensatory damages. 

XXXX and XXXX shall be instructed to remove the adverse tradelines per attached agreement with Fresh Start XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting lates on accounts # XXXX & # XXXX that I should not have. My accounts were in forbearance and I should not have gotten any lates on them during that time. I would like them removed off of my credit file.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and have discovered some inaccuracies that I would like to bring to your attention. To ensure the completeness and correctness of my credit history, I kindly request that you investigate the accounts listed on my letter.