23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I'm the co-signer for my sons student loans, I had written to have the interest rate lowered for Loan # ending XXXX interest 13.5 % and amount of XXXX and loan # ending XXXX int, 15.75 % {$5200.00} in order to continue with the payments. 
When I called I told them that I wanted to take responsability for the loans since they were billing me I wrote them that I'm XXXX XXXX XXXX with a fixed Income. what are the options to reduce the interest rates, I received a letter back XX/XX/year> with the programs they have in place and to call XXXX. When I called the end of XX/XX/year> they told me to call told me to call XX/XX/year> I called the next day and was told that they didn't have any programs and since I had paid in XXXX that I didn't need any help and that I can continue paying. When previouly they had told me that they will reduce the interest and I can pay base on my Income. Mohela have very deceiving tactics. I have not paid this Month of XXXX because of financial hadship. How can we make Mohela honor what was stipulated on the letter, when I call they say that is being recorded so they have the their answers recorded. 

I'm not refusing the responsability but I want them to honor their word to adjust the interest rates in order to continue paying.
Product: Debt collection

XXXX   XXXX   XXXX   (  or at least someone impersonating them  )  calls on a daily basis. Last call was  XX/XX/XXXX ,  XXXX . They have done this on and off for 3 years now - generally calling daily for several months in a row, before going quiet for a month or two, only to start up again. Sometimes it is a robo-call, sometimes it is a person. Thing is, we are a church, not a private individual. The individual they are calling for can not be found here, and they have been informed of this fact over and over and OVER. And yet they still keep calling. For years now. The last call they made is a robo-call with a message left on the church 's answering machine. The message has been saved.
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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX i made this clear for 60 days straight with XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian claims it verified 2 collection accounts reported on my credit profile, one with XXXX XXXXS and the other with XXXX XXXX XXXX XXXX. 

I sent a Method of Verification request, which they received on XX/XX/2018. By law they have 15 days to comply with my request, ot delete items from my credit profile. 

To date neither has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX ftc XXXX XXXX adjust ftc violation XXXX XXXX automated col civil violation, fcra and ftc XXXX XXXX XXXX FTC all US DEPT OF ED/XXXX ( FTC ) all of them were filed XXXX XXXX XXXX  ( come on look at the CFPB ) being sued XXXX XXXX XXXX ( filed NCUA ) XXXX XXXX XXXX  ( scam ) XXXX XXXX FTC XXXX XXXX XXXX FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has no reported that my bill has been up to date for over a month. Credit score has dropped twice due to false reporting from company. Company also calls me up to 4 times a day. I pay double the minimum payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I contacted Experian dispute hotline at XXXX to dispute inquiries on My report that I did not authorize. I was told by the customer service agent I spoke with that they are unable to remove unauthorized inquiries without the company consent. I then attempted to contact the companies by using the contact numbers listed on my report and was told I have to contact Experian directly. I proceeded to contact Experian AGAIN at same number listed above and was denied the ability to remove the unauthorized inquiries again. I have run out of available resources to resolve the matter and am highly dissatisfied. Response received from experian states " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and must be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. The report number is listed on the attachment please see for details. I was never provided a dispute number for inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have utilized XXXX XXXX for over one year and in that time have had numerous hard inquiries put on my credit by an unknown person using an old address of mine. I 've contacted each credit reporting agency, the sheriff Dept, and the ftc and " no one can do anything about it ''. The credit inquiries continue despite multiple fraud alerts placed on my credit and the companies refuse to remove the inquiries despite my insistence that my credit is being fraudulently used. 
I will soon be obtaining legal counsel for this issue if it can not be remedied. Thank you for your assistance in this matter.
Product: Student loan

I have submitted my XXXX XXXX XXXX XXXX application on XX/XX/2022 to Mohela ( who is my servicer for my loan ) and it says it is processed but I don't see or hear any actions that are taking place on my account. I have tried to contact them but they don't respond. Could you please help me get my XXXX application processed. Thank you.
Product: Checking or savings account

I tried closing my account with citi bank 2 weeks ago. They said it was closed but they lied and did not close it. I can not get my money out of that bank. They have absurd reasoning and rules that the customer has to follow in order to close their account. I called them this morning to make sure the account was closed and discovered the agent I last spoke with did NOT close it! 
I need that account closed immediately and a check sent to me. The agent today said he would close it but I don't believe him after what I have been through trying to close the account. Almost a dozen phone calls later, I still don't have my money!
Product: Credit reporting or other personal consumer reports

RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, FL XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. 
My only Phone number is XXXX XXXX XXXX XXXX Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed.

My contact information is as follows in this letter above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union is reporting hard inquires from XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX these inquiries should not be on my report. These were soft pulls.
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting on my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM ATTESTING THAT THE INFORMATION ON THIS COMPLAINT IS ACCURATE. 

PLEASE NOTE THAT I AM DEMONSTRATING THROUGH CLEAR EVIDENCE what TransUnion has done. More specifically, failing to re-investigating certain challenges " not disputes '' and for them having lied about it. 

I have attached the letter addressed to them, but fear that they will provide another " generic response. '' I am fully aware of the laws around the FCRA and from the looks of it, evidently, they are not only making it worse for me by leaving the injurious items on my report, but are also boldly ignoring CFPB 's Credit Reporting Settlement Act/Agreement 's requirements by lying. 

REVIEW AS NECESSARY AND IF NEED BE, YOU ARE FREE TO PRESS CHARGES AGAINST THEM FOR GROSS NEGLIGENCE AND WILLFUL NON-COMPLIANCE
Product: Credit reporting, credit repair services, or other personal consumer reports

Name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/2022 I received my investigation back and you stated you completed a fair investigation and these accounts are 100 % accurate. 
But can you please answer this one question. How did you investigate these accounts? 
Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you supposed to investigative my consumer report Did you interview my neighbors? 
Did you interview my friends? 
How did you talk to? 
One more thing can you please tell me how everything is accurate since these accounts date open, date last active not reporting the same information. 

How did you talk to? 
One more thing can you please tell me how everything is 100 % accurate if the date open, date last active on these accounts are not reporting the same Information. 
You have violated multiple laws below : 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i I demand you delete the accounts from my credit report, I listed below : XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report XXXX. The following information is incorrect XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following information is incorrect XXXX XXXX XXXX Account Number : XXXX Please update all late payment, all late payment was made on time XXXX. The following information is incorrect XXXX XXXX XXXX Account Number : XXXX Please update all late payment, all late payment was made on time XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX BANK Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

19. Validate Account XXXX XXXX BANK XXXX Account Number : XXXX Please remove it from my credit report. 
20. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
21. The following information is incorrect XXXX XXXX XXXX Account Number : XXXX Please update all late payment, all late payment was made on time XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 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 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 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 XXXXXX/XX/XXXX
Product: Credit card

Closing date on my credit card is XX/XX/XXXX. I made an online payment on XX/XX/XXXX that was successful. However, I late found out the payment was applied as a float and my credit balance was n't adjusted. This led to a situation where I exceeded my credit limit because it was never adjusted after my payment. 

My credit limit is still not adjusted for my payment on XX/XX/XXXX, over a full week later. I was never notified of the float, or the fact that my credit was being withheld. 

I feel this company took my payment, told me it was successful, but never applied it to my account and updated my credit. Doing this without my knowledge violates my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus have a responsibility to report accurate and concise information for a consumers credit report. However, Transunion and XXXX still are reporting a bankruptcy on my report without providing any verifiable proof in the accuracy of their reporting. This is grounds for removal of the inaccurate account on my report, they are also in violation of my rights under 15 USC 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 an account without my written instructions. 

Also, the Credit bureaus have had this inaccurate information reporting in my personal credit account for an unknown amount of months/years. I have been trying to get this correction made for the past several months to no avail. That damage as a result of their erroneous reporting will forever be irreparable to me and my family, due to the high interest rates being paid, large amounts being spent on credit restoration and my inability to get approved for housing and other lending that depends on the accuracy my credit report.
Product: Money transfer, virtual currency, or money service

I received a text from a friend that I was on a list to receive a grant from the XXXX XXXX XXXXn and he received or said he received money from them. It turns out it wasnt my friend I texted back-and-forth with him and it was not him. XXXX XXXX the grant. XXXX XXXX XXXX XXXX texted me to send {$1000.00} handling fees before I could get the money that was supposed to be delivered from XXXX. Her number is XXXX. I tried to send her {$500.00} and she said it didnt go through but it did. And then I tried to send it to another person named XXXX XXXX XXXX. That was sent from PayPal the other was from XXXX at my XXXX XXXX bank. I called and froze my accounts at XXXX and the other companies. I filed a police report. I got off of PayPal XXXX XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

Due to the fcra section 605b I am demanding deletions and blocked from my credit report within 4 days.due to some accounts being opened by fruad, XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE ACCOUNTS HAVE RESULTED IN SEVERAL FRAUDULENT HARD INQUIRIES AND FRAUDULENT COLLECTIONS APPEARING ON MY CONSUMER FICO. I DEMAND THAT AFOREMENTIONED FRAUDULENT ITEAMS BE REMOVED FROM EACH OF MY CONSUMER CREDIT REPORTS AND THAT ALL COLLECTION ACTIVITY RELATED TO SAID ITEMS CEASE PURSUANT TO MY RIGHTS WITHIN THE FCRA AND FDCPA LA I am attaching a report from the FTC # XXXX
Product: Checking or savings account

Starting on XX/XX/XXXX unknown persons at Citizen 's Bank committed a Bank Robbery ( XXXX XXXX XXXX ) via the internet on account # ending with XXXX ( see complaint XXXX ). This is documented in XXXX case XXXX XXXX   circuit page 10, document # XXXX, filed XX/XX/XXXX. After putting the money back on XX/XX/XXXX they  immediately started committing a Bank Robbery ( XXXX XXXX XXXX ) of account # ending XXXX ( a checking account where a social security payment is directly deposited!! This was not discovered until XX/XX/XXXX and reported in person to the branch in XXXX, Pennsylvania. A total of XXXX was removed at this time. When XXXX XXXX was with XXXX XXXX and to listen to the conversations with his mother BECAUSE SHE IS XXXX XXXX XXXX the Police were called to escort him from the bank ( police report # XXXX ), to verify the conversation. XXXX XXXX WAS GIVEN A NO TRESSPASS DOCUMENT FOR THE BRANCH. THEY ALSO APPARENTLY FAILED TO RETURN TO XXXX XXXX HER CHECKS AND DOCUMENTS FOR ACCOUNT # ENDING IN XXXX CONTAINING {$33000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reporting is inaccurate this is ground for removal, and they also violated my rights under 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. Here 's my certified mailing tracking numbers 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 am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX  XXXX Balance : {$3100.00} XXXX  XXXX XXXXBalance : {$440.00} XXXX XXXXBalance : {$0.00} XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX
Product: Vehicle loan or lease

In XX/XX/ my vehicle was repossessed and I was verbally told I can redeem it as long as I paid a certain amount by the XX/XX/XXXX. I in fact paid it and was then told I needed a release to obtain my vehicle back. After several calls I finally received the release but when I called the auction where my vehicle was being stored for whatever reason they kept telling me they were closed, never received the release and I have to call several days later to make an appointment to retrieve my vehicle back. It now is days later and after several calls to the lien holder I still have no vehicle and since have lost my job since I have no way to work. Also I never received the statuory proper notices by mail per the NJ repo law stating they repossessed the vehicle.