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

THE CREDIT BUREAUS HAVE STATED THAT ACCOUNTS WERE PROPERLY INVESTIGATED, HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE OF LAST PAYMENT IS INACCURATE, THE DATE LAST REPORTED IS INACCURATE, AND NO. OF MONTHS IS INACCURATE. ALSO HAVE SERVERAL DISCREPANCIES, THIS IS GROUNDS FOR REMOVAL. 

MY RIGHTS HAVE BEEN VIOLATED UNDER 15 U.S.C 1681 SECTION 602 ( A ). STATES I HAVE A 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 ANY WRITTEN INSTRUCTIONS.

ALSO THE COLLECTION AGENCY CONTACTED ME PERSONALLY THIS IS ALSO A VIOLATION OF MY RIGHTS UNDER 15 U.S.C 1681C 605A.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To whom it may concern : I would like to file a complaint against TransUnion Credit reporting, Two years ago I had filed a small claims suit against TransUnion, and since going to court, whenever I have called in, I was told that my credit file had to be kept in their legal department for one year. 

I did not see any reason as to why they should have had to do that, but any time since going to court, whenever I have called into TransUnion, I am not able to speak to the regular TransUnion representatives about my credit report. 

Whenever I have called in, I am transferred to another line in which I dont get to a live person, I have had to leave a voicemail, and I have to wait till someone calls me back as to why I had called in. 

And this is very inconvenient, because many times I have missed their return calls, so I have to call back and go through the same process over and over again. 

I feel that I should have full access to my credit information, and at this point in time, I do not. 

I am not wanting, nor have I made any request for my credit file to be placed in any program that TransUnion offers. 

I am not requesting, nor do I want, any fraud alerts on my credit file, and I am not requesting any promotional blocks, I want promotions. 

The only requests that I have made to TransUnion is to not have any telephone numbers on my credit file, as well as, I do not want my former Married last name of ( XXXX ) on my credit file. 

My name was legally changed to my maiden name, which is, ( XXXX XXXX XXXX ), by the court in XXXX, and I have already provided proof of that to TransUnion after my name change. 

The reason I am requesting your assistance, is that, I feel that, I should be able to call TransUnion just as any other consumer does to request a full copy of my credit report, as well as be able to dispute items on my report that are inaccurate, and my report should be accessible to anyone that I want to transact financial business with, and this is not what is happening with my credit file. 


Recently I contacted a mortgage lender, and I gave the lender my permission to run my credit report, and I wanted to also know my credit score. 

The lender got back to me, and told me that they were unable to access any part of my TransUnion credit report. 

I need your assistance in making it clear to TransUnion, that by law, they do not have the right to do whatever they want to do with my credit file, and they dont have the right to make it inaccessible to me, and to anyone that I give permission to access my information. 

There is no reason for them to have my credit file in any department that I did not request, and where I have to go through hoops in order to gain access to my credit report, and credit score. 

I want the Consumer Financial Protection Bureau fully involved in my complaint, TransUnion can contact the Bureau, and they can contact me. 

TransUnion can mail me the full copy of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Accounts # XXXX has violated my rights. 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This car loan was paid in full over 4 years ago and it still shows on here that is not paid. XXXX XXXX XXXX  paid it off and my loan then became with them. I pay XXXXXXXX XXXX monthly for the loan that they gave me a better rate at. Capital one auto financing should be in good standing. It shows a balance of {$16000.00} but in fact I only owe {$4500.00} that I pay monthly to the third party loan company.
Product: Debt collection

My email address of XXXX is incorrectly being used by XXXX XXXX XXXX to collect a debt from someone with the same last name as mine who lives in XXXX XXXX, La. I  have phoned them four times. On my last call, earlier today, a representative named XXXX from the XXXX XXXX XXXX XXXX XXXX, XXXX, told me it would be against their policy to remove my email address from their address of record because they did not have the permission of the client. Santander is contributing to identity fraud by refusing to admit they are contacting the wrong person.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Experian, XXXX, and XXXX are all violating 15 U.S code subsection 1681 s-2 responsibilities of furnishers of information to consumers reporting agency. I continue to reach out via certified mail requesting that the errors and these companies are in complete knowledge of the errors yet are still reporting even though there is reasonable cause to believe that the information is inaccurate. They are not reinvestigating the accounts only. Theirs errors in the address in all these accounts, they have not even been update properly as having errors on the report. This has harmed me being able to sustain everyday life and obtain the household valuation needed based of the damage that this is doing to the overall consumer credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Or XXXX XXXX XXXX I would like to file this complaint against affirm XXXX XXXX finance and clothing what happened during XXXX i lost my job due too i have XXXX i can't work i was in the hospital for longtime i'm unable to make payment to the acct i have with affirm because i have XXXX and i call affirm i told them i won't be able to make payment on my acct due too i have covid but i was owed to affirm about {$7800.00} dollars but the acct almost pay off anyway i still owed only {$2100.00} affirm refused to wait for me to make payment soon i find another job to start making payment again affirm charge-off the loan and reported to all three credit bureau trash my credit score from XXXX XXXX XXXX this is not right well i'm looking for some help from CFPB to make affirm remove my name from all three credit bureau i need to get my credit score back to XXXX affirm violated the law about the pandemic affected all the american people life but i still owed 2 years rent to my landlord but he follow the pandemic he doesn't even talk to me he complied the pandemic law but affirm refused to complied with the pandemic law.
Product: Mortgage

Navy Federal has negatively impacted my credit my reporting an incorrect balance for over 2 years.
Product: Student loan

My student loans went into repayment in XXXX, 2023 and the company ( Sallie Mae ) reported them delinquent to my credit report the month prior to them being due, in XX/XX/year>. They then proceeded to tell me there was nothing they could do, I would have to write a letter to their credit department which would take 60 days minimum for them to reply back. I am now unable to refinance and consolidate my loans due to this incorrect reporting to my credit. I need it fixed NOW.
Product: Credit card or prepaid card

On XX/XX/XXXX I opened an account in Best Buy for a Best Buy Citi Bank Visa card. I made a purchase for 2 XXXX and XXXX protection. I paid cash after the 10 % discount was given. I can honestly say I no longer have the receipt it was XX/XX/XXXX or so. After a long period of time I received a bill of {$2000.00} dollars that was charged on my account. I called Citi Bank fraud dept right away, to dispute all charges Citi Bank Fraud rep. XXXX stated my account had been reverted back to {$0.00}. XX/XX/XXXX I receive a Citi Bank Visa card as you can see 3 months later. Now also the card is now used again in various location a Best Buy, gas station, grocery store etc etc. I once again call Best Buy Citi Bank fraud dept. Now once again they assured me my account was back to {$0.00}, and another card would be issued. While all this is going on not only did my credit score drop XXXX points over night but it also has taken a toll on metal stress and the safety of my personal information.The bank obviously has a security breach or lack of security of private information. Several weeks ago I received a call from a Citi Bank representative stating they will be charging my card for the 2 XXXX  again because it came up as a purchase near my place of residence even though fraud was committed on several stores thru out the XXXX metropolitan area. They are stating I made a credit purchase there when opening my credit card as I stated before I no longer have the cash purchase receipt. The representative was unprofessional and threatened me after I stated that I would exercise my right to file a complaint, XX/XX/XXXX I filed a complaint with the XXXX .XXXX XXXX a call from a XXXX not actual trying to resolve the issue but stating they are going to charge my account the {$850.00} on my account once again because the store charged it to my account and because it was close to my residence. She also stated that someone activated my card with my SSN and my card was delivered to my house. How XXXX is able to prove it was delivered to my residence beyond a reasonable doubt is a mystery to me. Citi Bank not only caused metal anguish, distress and inconvenience, but it also baffles me how a Bank can be so inconsiderate and so nonchalant of their security breaches, and customer care and experience.No apologies no compensation absolutely no remorse. I no longer wish to have an account with them or have any contact with them or their representatives. I wish to close my account in good standing with a {$0.00} balance and forget all this nightmare has even happened and a written apology from the bank, its not asking for to much after 5 months of going in circles. Thank you and have a great day
Product: Credit reporting, credit repair services, or other personal consumer reports

- XXXX, Date Opened : XX/XX/XXXXXXXX  REPORTED TO Equifax, last day of payment XX/XX/XXXXXXXX  Collection account with a pass due amount showing {$200.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  reported to XXXX, last day of payment not reported, BALANCE {$200.00} - XXXX XXXXXXXX, Date OpenedXXXX reported to XXXX, last day of payment not reported, BALANCE {$200.00} -ALL THESE 3 COMPANYS APPEARS TO HAVE DIFFERENT NAMES REPORTED TO MY CREDIT BUT IS ONE COMPANY ALL TOGETHER AND THEY ALL SHOW BALANCE AND HIGH CREDIT OF AN AMOUNT {$200.00} -dates do not match
Product: Mortgage

I will continue to open complaints about PHH and XXXX  XXXX XXXX XXXX. XXXX  XXXX XXXX is who REFUSES to modify our loan after covid layoffs. The bank kept sending paperwork that says " If you are struggling to pay, we can help you with modification ''. We applied 4 times and denied. This is fraudulent lending ( yet again ). When gyms and schools closed ( where we work!! ) And we had no funds coming in, and fell behind this time, they refused partial payments and said they would not apply and also refused modification. I am working with Texas Attorney General currently & submitting complaint to Dept of Savings and Mortgage Lending and also another organization that is looking into it ( that I will not name ). PHH ( XXXX XXXX old Ocwen ), who also had to pay us for class action lawsuit because of unfair practices, is purposefully not helping. I know they will send a rebuttal and you will " close the case '' in a few days, but I will have on record all the times we tried to get them to Help ( just by remodification, not a 'give away ', not lowering XXXX, JUST doing their job and remodifying while we were FORCED out of work by govt ). Posting this to both of your media websites and to XXXX  XXXX XXXX NY. CFPB will probably help them sweep their responsibility under the rug, but everyone is going to know about it I notice XXXX  XXXX XXXX XXXX is " currently not signed up to receive complaints through the system '' ( exact message I got ), which is very interesting and people will probably be interested in that since it is Them denying the modification. And I know that because an employee of PHH told me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I filed a complaint about Wells Fargo violating the Fair Credit Reporting Act. They are reporting a XXXX XXXX XXXX derogatory account under my social security number. I have repeatedly tried to have them correct this error to no avail. They are claiming they can't verify my identity as if my social security number, name, and date of birth isn't enough. 

They are in blatant violation of my consumer rights, and I am demanding they rectify this issue. I'm attaching a copy of my credit report, showing the listing of this account on my credit. As well as my government issued social security card, and my state issued Driver 's license.
Product: Debt collection

XXXX XXXX, XXXX is reporting a collection account on my credit report that does not belong to me. I don't recognize the reported account. This is a request for the collection to be deleted from XXXX, XXXX, & XXXX. 

I asked the company to validate with a contract and proof of signature. This document doesn't exist, they never provided it because the account isn't mine. I have never had a card with Citibank nor a mastercard with Sears.
Product: Money transfer, virtual currency, or money service

Hello! 

On XX/XX/XXXX I sent a XXXX XXXX XXXX USD from XXXX XXXX to XXXX XXXX XXXX 
My correspondent bank turned out to be Bank Of America. Money was stuck there, still being processed. Bank of America is unable to give me any information as Im not their customer. XXXX XXXX is also unable to get any news for me. The recipient company also tried to contact Bank of America, but didnt succeed. 
On XX/XX/XXXX I asked XXXX XXXX to request a refund of my XXXX from Bank of America, XXXX did this, but the money hasnt yet been returned. At the same time, when I monitor my XXXX transfer through GPI tracking, I see that some operations are regularly carried out. Despite this, nothing happens. It is necessary that the entire amount be returned to my XXXX account as soon as possible, safe and sound, since I urgently need to pay a fee to the developer. 
Im attaching documents substantiating my transfer. 

P.S. I have to put US in the address line due to a site failure. My correct address is XXXX ( unfortunately ), XXXX, XXXX XXXX Thank you!
Product: Credit reporting or other personal consumer reports

I have forwarded this information over to XXXX Equifax and XXXX to remove this late payment from my credit profile I spoke with a representative on XX/XX/XXXX with all three bureaus and they have refused to do so XXXX XXXX XXXX  has agreed to remove the late payment from XX/XX/XXXX from my credit report and the bureaus are not taking this removal seriously and is refusing to remove this from my payment history this had been a headache and has been negatively affecting my credit score as I am trying to buy a home I have attached the proof that XXXXXXXX XXXX XXXX wants this removed from my credit report and these companies are giving me a hard time removing them!!
Product: Checking or savings account

Our business account at BMO Harris was accessed by an individual that was given permission to make telephone transfers. This person, XXXX XXXX XXXX is unknown to us. Over the course of several months, they had the ability to mirror our payments to some of our ACH withdrawals such as XXXX, XXXX, XXXX XXXX.

We have already filed complaint XXXX. Their response was that we did not respond in a timely manner. We were unable to do this because the transactions were so similar to our own. BMO completely ignored the fact that our complaint was based on the fact they allowed a signer to be added without our permission for telephone transfers. This is according to their own computer records. We have attached a screenshot of this which was taken in their branch at their computer.

BMO needs to respond to the fact that they allowed this unknown person to make telephone transfers on our account. They also need to take responsibility for exposing us to this type of fraud. When asked directly about this, they told us that this person was no longer at the bank. Does this mean that they worked at the bank and had access to all of our accounts?
Product: Vehicle loan or lease

I went to purchase a vehicle at XXXX XXXX, I put XXXX down.I never signed papers when I came back to sign paperwork & get registration ect. They were shut down. Now I have a finance company that says i owe XXXX  /m 34 months sent me contract i didnt sign. They were got the car due to breaking down in the pound. Westlake financial.
Product: Credit card

I am seeking your help with the account that is incorrectly listed on my credit report. This is damaging my reputation as a customer, and I need your assistance. I would like these accounts removed, as they have been reported inaccurately and in a harmful manner
Product: Student loan

I was told by XXXX XXXX  when my XXXX XXXX  was going to school that I would have to apply for a XXXX XXXX loan and be denied in order for them to increase my child 's loan amounts. I applied and they approved it for XXXX semester. My XXXX  is no longer in school and now they are saying that I owe over $ XXXX. They were also getting XXXX XXXX  loans at the time. I am on XXXX and my credit is terrible from tons of medical bills. This loan never should have been approved and I do not believe the amount is correct, it is definitely fraudulent predatory lending.
Product: Student loan

I graduated college in 1999 and was a XXXX who did not make enough to pay the bill. I have since changed careers and make enough to pay the minimum payment but my balance is not going down. My loan has doubled in size. I need help.
Product: Payday loan, title loan, or personal loan

They took XXXXfrom me blindly now vv come to find out they are still reporting me over XXXX bucks and wont work with me And theyre keeping me from getting along
Product: Student loan

Making excessive calls. In the last XXXX  days, they have called me XXXX times, about XXXX  times per day, and sent me emails. It is harassment and unnecessary to call me so many times.
Product: Credit card

This occurred with my USAA visa credit card. I was in XXXX XXXX in XX/XX/year>, took a taxi home from a museum. The taxi driver attempted to use my credit card to pay for my ride, but claimed the credit card machine wasn't connecting. I ended up paying cash for the service. Later, I noticed a ridiculously high charge on my credit card account. I attempted to dispute it with USAA, but they came back and said since i couldn't provide receipts ( who asks for receipts when paying cash for a taxi in XXXX? ) and I had handed my card to the taxi driver, they assumed the charge was valid and denied the dispute. I'd sent them a written statement telling them what happened and included several links to online social media chats of an ongoing scam in XXXX XXXX involving taxis doing just this sort of thing, but to no avail. I have all of that documentation, if needed. 
Date in question was XXXX XXXXXXXX XXXX Amount was {$680.00}.
Product: Debt collection

I have paid this bill a while ago and it's recorded phone call and I know I don't owe any debt bc I am the creditor but I dis pay this bill off and they are trying to bill me for late payments and add interest on it XXXX XXXX XXXX I don't owe for late payments also my identity has been traded and shared by this company this is illegal now my privacy has been invaded by this companies ans something needs to be done
Product: Debt collection

paid this last XXXX and i have a paper stating they were removing from my credit
Product: Mortgage

1st call in early XX/XX/XXXX call XX/XX/XXXX, XXXXXXXX XXXX, spoke with XXXX I asked why I was starting a 30-year mortgage when they could've offered me another alternative. Both reps stated they didn't offer an alternative at that time in XXXX. I asked XXXX if a better solution wasn't with Rocket, why wasn't that discussed with me, or why wouldn't they send me elsewhere? My home should be paid off in 6 years, however another 30 years have been added just for tae cash out. I could've gotten a loan from anywhere with my credit score.

I mentioned to her, what exactly is the American dream if I am being set back to start over again on a 30 year mortgage, I don't understand how that's helping me with homeownership, or its a way for minorities to never own our homes. 

We are paying ten times over the house 's worth, and the escrow keeps rising, increasing the payments. 

Looking at the documents, I see my husband 's name is mentioned as being on the Deed ; however, to my knowledge, his name is not listed on the deed. I don't understand all the scratch-offs on the notary information nor all the fees that were charged back to me. I would like proof that he's on the deed. 

This relationship with Rocket Mortage was initially with Quickens Loans. I went to Quickens Loans from XXXX XXXX in XXXX with a balance of {$140000.00}, with 10 years for payoff, and now {$290000.00} within 30 years. 

I need some clarity and understanding. This is not the American Dream I was told about, and I feel I've been taken advantage of. I will most likely never own my home to leave to my family without debt. Minorities are set up to have generational debt, while others have generational wealth. I was a single Mom of XXXX, XXXX I did not give birth. This was the first home I purchased in XX/XX/XXXX ; now, I'm starting over when I just needed cash to upgrade my house. 

We must do better to help ALL. 

Thanks,
Product: Student loan

I pay on time on their Website. They continually report me as paying late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is reporting a 90 day late payment on my credit report that is incorrect. I have sent letters to Navient and the credit reporting agencies with no success. I was never late on the account and the account is in deferment. It is impossible to have a late payment on the account when it is in deferment. As well as if I was 90 days late I would also have to be 30 and 60 days late but that doesnt show, just an incorrect 90 day late payment. This is showing up on 4 accounts which is affecting my credit rating.