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

I have been having lots of issues with EQUIFAX. First off they moved my file to the office of consumer affairs and blocked my online access to my credit report!!! I am a paying member of there credit watch SVC. They contiune to charge me even though i can not use it. I have called and sent in documents asking this to be cancelled and me not contiune to be billed. They are still chargeing me 3 months later!!! Call center overseas dose not seem to address this issue at all. Equifax needs to stop charging me and refund me for the past 3 months that they charged me for something i could not use!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXXXXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I had set up a FORBEARANCE for my student loans with XXXX. They had told me about a program they hard that would base my monthly payment from my income. So I agreed to the program, and they told me to fill out the information for the program from a package they were going to send me in the mail. Months had went by and I continuously called the customer service telling them about the packet that had not came in the mail. They kept telling me to remain patient and that it would be there. I didn't receive the packet until the summer of XXXX. After I filled out the packet and returned it back to XXXX I was accepted into their program. The problem that I have is on my credit report there are two times, XXXX of XXXX, and XXXX of XXXX, that both show 90 days late payment and that is false information. I was continuously on FORBEARANCE until I was accepted into their income program. I first called XXXX about this and they agreed they would make the necessary changes and never did. Now recently they gave my account over to a different company, DEPT OF ED/ XXXX. I contacted them about this situation, and they have refused to honor what I was promised by XXXX. I have wrong and inaccuracies on my credit report and it is hurting my credit score, and they are not doing anything to fix this wrong.
Product: Credit card or prepaid card

My complaint is ethical in nature. I believe this credit card processor is purposely applying payments in a way that benefits them, and hinders the ability for the borrower to pay down balances. The company is Citibank. I have pointed out this practice with them in the past, yet they continue to apply payments in a way that harms the card holder. Citibank repeatedly sends promotional balance transfer offers and checks. On occasion, I choose to use their 0 % offers to pay for certain things, retain cash, help a friend, etc. in this uncertain time we are living in. As of XX/XX/XXXX, I had 3 such offers on account. They typically are 12 months in duration. Every month I pay minimum balance, usually plus some additional amount, to keep credit good and avoid any fees and high interest, etc. I had one offer that was expiring on XX/XX/XXXX that had a balance of {$1900.00}. I had another that expire in XXXX of XXXX in the amount of {$2300.00}. I have a third that expires in XX/XX/XXXX in the amount of {$8000.00}. I contacted them in late XX/XX/XXXX just prior to paying my expiring balance of {$1900.00} because I noticed that they were applying my minimum monthly payments to my promotional balance that was expiring the furthest in the future, the {$8000.00} balance. This would make the most current promotional balance, the {$1900.00} balance more difficult to pay, and they would then be able to apply all accrued interest, and begin charging 29 % interest on any unpaid promotional balance. This is a terrible practice! I pointed this out to them, and they refuse to make any adjustments to the balances. Furthermore, when reviewing my balance this month, I notice that they did exactly the same thing with my {$1900.00} payment that I made in XX/XX/XXXX. They applied the {$1900.00} payment that I made to my {$2300.00} balance, and began charging me 29 % interest on the {$1900.00} promotional balance that was meant to pay the remaining balance in full by the XX/XX/XXXX promotional expiration date. I am working with them to fix this issue, however, I am certain that they will do the same thing to my other promotional balances, and that they are doing this to many, many other customers. Under Citibanks payment model, it would make it difficult to every pay this balance off with them not charging 29 %, which is their goal, and again, a terrible practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Private information, including SSN was revealed by Equifax to third parties without authorization.
Product: Credit reporting or other personal consumer reports

" When requesting to delete XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX  XXXX, you also deleted an address with the name XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXXXXXX. Please restore it to my credit report history, the correct address that should not have been deleted ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX   XXXX , credit unlimited requested on my behalf that   XXXX   XXXX   XXXX   remove a closed mortgage account that was dated last activity in  XXXX  on all  XXXX  credit bureaus. The last payment that I made on this account preceded  XXXX  which makes the account past the 7 year mark. I could never get proper documentation and the account can never be found by   XXXX   XXXX   XXXX   XXXX  when I was trying to short sale the property that the lien was attached to.   XXXX   XXXX    XXXX  could never find the account.      XXXX  removed the account. Equifax updated the account as closed in  XXXX .  XXXX  added a second account with a different account number in  XXXX   XXXX  saying it is currently active and reporting late and a foreclosure has been initiated.      1. The ti tle to the property was transferred  XXXX   XXXX  that the original lien was attached to.    2.  I do not own any property for Bank  XXXX   XXXX  to foreclose on.    3. Thi s loan was sold 3 times since opening in  XXXX  ; me and my realtor requested a copy of the promissory note. The original promissory note and the account could never be found.
Product: Debt collection

I had lost my job due to Covid Pandemic, found a new job but then got into a car accident. I applied for a loan to help me out. They gave me this huge loan, which helped, but did not give me lots of info about the interest. I also added unemployment insurance with the loan. I ended up losing my job again due to XXXX. I asked them to apply the Unemployment insurance and sent paperwork to them multiple times but it was never applied and they kept charging me. Then I get a statement in the mail saying I was in collections with Nelson and Kennard.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Contacted Experian credit bureau to get unathorized inquires off my credit report the customer service department did not help remove negative inquires that are reporting on my credit report.. 
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

XXXX  XXXX inquiry with the credit bureaus regarding my credit report without my written consent. I never authorized XXXX XXXX to request credit report without have permissible purpose. I only have two credit cards with XXXX  XXXX nevertheless there are over 7 hard injury on my credit report without my written consent. My credit score with TransUnion has dropped by 58 points and can't be fixed. I have never given written consent to XXXX XXXX and XXXX XXXX has never asked for written consent. According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court-ordered or requested by a state or local government agency in relation to child support. I have disputed inquiry through the credit bureaus regarding my written consent concerning all inquiry on my credit reports with XXXX, XXXX, and XXXX under the FCRA but hasn't received a timely response regarding my written consent. Each CRA hasn't responded yet regarding my written consent. XXXX  XXXX have abuse inquiry without my written consent all with the attached document regarding inquires on my credit report.
Product: Bank account or service

See attached files. BB & T granted immediate online approval of a 3rd party check for deposit into our personal account via BB & T online banking app ( where they admit technical flaws ). My wife was victim of an articulate online job scam. BB & T approved the check immediately and my wife XXXX XXXX XXXX XXXX took {$870.00} cash out next day to deposit in 3rd party account with XXXX XXXX Bank ( who has now frozen that fraudulent account and funds ). 3 days later ... BB & T notified us our account was drastically overdrawn b/c the check was a scam ( they told us 3 days later! ) and are now trying to hold us responsible for the bad XXXX XXXX check that should have been verified/checked by BB & T immediately. They still have not returned our missing {$190.00} from my account and are trying to hold my family responsible for the negative balance of - {$780.00}. I 've requested details and meetings with BB & T fraud and VP to no avail. Contact XXXX XXXX or XXXX XXXX at XXXX.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block these items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, SC  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC  XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX 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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I have been trying to XXXX my payment for my vehicle and it's not letting me send through XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX the following account names and numbers have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting with the  XXXX , Transunion and  XXXX  to remove an item off of my credit report that was paid by the actor  XXXX   XXXX  on  XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX  I am attaching a printout of th  e ledger where it shows we had a huge credit balance.
No monies are owed and i would like this deleted off of my credit report unless they can show written documented proof that this money   is owed.
Product: Vehicle loan or lease

I was in the dealership. Looking for a vehicle. From my understanding and what I wanted I didn't need to have a loan taken out on the vehicle. I was not trying to finance. My credit was ran and I had given a down-payment
Product: Credit reporting or other personal consumer reports

Experian continues to report an account on my credit report that is over seven years old. It should be removed after seven years. XXXX XXXX account for {$3000.00} has been reporting over seven years.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this formal dispute regarding an account appearing on my consumer report that is being furnished and reported without my consent. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) and related federal statutes to demand the immediate deletion of this account from my consumer report. 
The account in question is XXXX XXXX According to the Fair Credit Reporting Act 15 USC 1681, Section 602 ( a ), consumer reporting agencies, including XXXX and XXXX, are required to exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. As a consumer, I have the right to ensure my private information is not being shared without my consent. 
Furthermore, under 15 USC 6801, financial institutions have an affirmative and continuing obligation to respect the privacy of their customers and protect their nonpublic personal information. A furnisher of information to credit agencies is considered a financial institution under this title and, therefore, must comply with privacy and disclosure laws. 
15 USC 1681, Section 604 ( a ) ( 2 ) states that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I have not provided written consent to XXXX, XXXX, or the furnisher of information to report this account. Any previous consent, whether verbal, written, implied, or otherwise, is hereby revoked. 
Additionally, under 15 USC 6802 ( b ) ( c ), a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how they can exercise their nondisclosure option. I was never informed of my right to opt out, meaning this disclosure was unlawful.

15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse items of information in a consumer report if the item predates the report by more than seven years, except for records of criminal convictions. The account in question is an adverse item being reported without my consent, violating federal law. 
Moreover, 15 USC 1681s-2 ( A ) ( 1 ) ( A ) states that a person shall not furnish information relating to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Given that I have disputed this item, continued reporting constitutes a violation of this statute. 
XXXX and XXXX are required under 15 USC 1681e to maintain reasonable procedures to prevent violations of 15 USC 1681c and ensure that consumer reports are furnished only for permissible purposes. Their failure to do so demonstrates noncompliance with federal law.

Lastly, under 12 CFR 1016.7, I have the right to opt out of having my information reported at any time. I am exercising this right now and demand the immediate deletion of the disputed account from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a charged-off credit card balance on my credit report for {$XXXX}, however this account does not belong to me. A long time ago, I may have been an authorized user on this account, but I have not been one for quite some time now. I have notified Equifax of this fact multiple times over the last couple of months. This account does not belong to me, and I am not responsible for the repayment of this debt. And futhermore, again, I am not an authorized user on this account, and it should not be on my Equifax credit report. I demand that this account be deleted from my credit profile immediately.
Product: Bank account or service

Rush card services has about XXXX $ of my gf direct deposit money an we depretly need it we 've called customer service emailed contacted via XXXX any advice greatly appreciated
Product: Debt collection

I just received a phone call telling me I had a XXXX debt that needed to be settled by the debt collector calling me. He stated his name was XXXX XXXX from diversified consultants inc. phone number XXXX and would not give his physical address but a XXXX XXXX XXXX XXXX XXXX TX XXXX. XXXX confirmed that I actually have a credit on my account and a quick XXXX search shows others stating fraud from this company. Also gives a physical address of XXXX XXXX XXXX XXXX # XXXX XXXX FL XXXX. 
This person told me I would need to settle this debt through him and give him my credit card number to do so. If not I would be reported to the credit bureau.
Product: Credit reporting or other personal consumer reports

Fix the problem and add car payments FCRA for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as PAID on time. 
Send me new credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXXt loan was transferred from XXXX XXXX to the XXXX Department of Education XXXX My loans were only shown on my credit report with XXXX XXXX as 2 accounts. Now XXXX Dept of Education is showing every single disbursement I had for school totaling 17 new accounts on my credit report. I was in the middle of purchasing a home and now can no longer buy a house due to their incorrect reporting to all the credit reports. XXXX XXXX told me my loans were consolidated and now here come XXXX saying they arent consolidated. Why are they showing 17 new accounts on my credit report doesn't even seem realistic! They have ruined my dream of buying and home and have destroyed my life. I have to seek XXXX due to their inaccurate and lieing to the credit bureaus. I am now suffering XXXX and XXXX XXXX due to XXXX XXXX XXXX XXXX and now have to seek medical attention. They have DESTROYED MY LIFE! NOW I WILL JUST HAVE TO BUY A TENT AND LIVE WITH THE OTHER HOMELESS PEOPLE!
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few weeks ago that I had a collection account from   XXXX   XXXX   on my credit report. I did an online chat to try to see where this stemmed from. The rep could not find any balances I owed, I called in and spoke with another rep who had the same findings. A few days later a woman contacted me saying they found that I never returned equipment and had an outstanding bill. I did return the equipment and closed down the account back in  XXXX  of  2014 . I disputed the information and they agreed to remove it. They removed it from   XXXX   and  XXXX  but not equifax. So I called back in and discovered its because they never notified the collection agency and now they are refusing to contact the collection agency and are stating the debt is valid. Doing research online and they have a history of doing this to consumers.They have not provided proof that this account and balance is valid.
Product: Debt collection

I don't believe this account belongs to me. I was never late. Please start investigating quickly and have them remove it from my report.
Product: Payday loan, title loan, personal loan, or advance loan

I received a credit alert stating that my installment account with MoneyLion was showing 30-60 days past due. This account was opened in XX/XX/scrub>XXXX  2024. 
I have attached payment history reflecting that the automatic payments have been successfully made since the account was established and there is no past due payment I contacted MoneyLion to request a statement which they didnt provide. Their rep also advised there was no delinquency on their end and they advised me to dispute this with the credit bureaus. After I disputed this with the credit bureaus MoneyLion verified with the credit bureaus that the information they reported was correct. They have yet to provide me proof of any late payment
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, for my loan with Dovenmuehle Mortgage out of IL, Loan number XXXX. We were affected by Covid-19 and due to that we went into a Covid forbearance for 3 months. We are now awaiting a Flex Modification. I have been trying to keep my credit score as high as possible but as we all know, most of the score comes from Debt ratio and how much debt is owed. Dovenmuehle is reporting incorrectly and in my opinion illegally. It shows current which is good, shows no late fees which is good, but is shows my balance increasing over XXXX a month! Due to this, my scores have dropped over 30 points! Now this will greatly affect my chances at a better interest rate when the underwriter calls me for the Flex modification with XXXX and Dovenmuehle! 

This is not good reporting and from what I am reading on your site and everything else the balance should not show increasing and therefore negatively affecting my credit score and my husband 's credit score which will be ultimately be driving our modification offers! 

This needs corrected and I have not gotten anywhere with the company at all.