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 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 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 XXXX  XXXX 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 im XXXX now.
Product: Checking or savings account

I put money in my chase bank account and havent looked at my chase bank account for four months because I was out of state. Now I checked and there was {$1200.00} missing. I didnt lose my debit card and ID .I went to the police department to make a report and went to chase bank but they wouldnt repay the money to me. They said that it is not their fault but chase bank should be responsible since I put my money in their bank account. They should take responsibility in securing my money. Now that it is stolen they should repay that amount to me because they are responsible for losing my money. Please help me. My number is XXXX and email is XXXX. My name is XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX without my knowledge and consent removed or deleted a closed Capital One credit card account from my credit report that was in good standing. This has hurt my Average Age and credit history length. 


That account # XXXX i did not give permission for XXXX to do this change. 

I also called about this several months ago, but the guy sweet talked me and tricked me into not disputing it. 

This accounts needs to be placed back on my report. if it was removed by error or confusion it needs to be replaced back on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below address do not belong to me, please remove the below addresses. 

CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX FROM : XXXX the below accounts do not belong to me, I have tried to contact them and i get no where, these accounts need to be removed from my credit report. 

XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Credit Limit {$17000.00} balance {$1500.00} Account # XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX UNPAID BALANCE CHARGED OFF CLOSED DATE : XX/XX/XXXX XXXX XXXXXXXX Opened XX/XX/XXXX credit limit {$750.00} balance {$750.00} Account # XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Credit {$300.00} balance {$300.00} XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX XXXX XXXX VA XXXX
Product: Student loan

This complaint refers to a misleading and deceptive repayment structure that FedLoan Servicing presents to repay my student loan. 

The description that follows is the Graduated Repayment Plan on the FedLoan Servicing website, " With Graduated Repayment, your payments start out low and gradually increase over the life of the loan ( typically every 2-4 years ). '' Since 2013 I have paid {$12000.00} to FedLoan. On time. I realized that {$1200.00} has been paid towards principal, with {$10000.00} paid towards interest. My loan started at {$31000.00} at the time of disbursement and the current balance on the loan is still idling at {$31000.00}. The interest rate on my loan is 5.5 %, so it puzzled me, until I realized the deception in the language used to present this, Graduated Repayment Plan. 

It is considered, deceptive language, to define a Graduated Repayment Plan as such, because this plan does not explicitly explain to the borrower that there will be no repayment but rather, you will accrue, as by definition : compound interest. Compound interest is not defined by any means in such text. Thus, no repaying '' has truly accrued, since they set the base of this plan lower than what market standard interest allows, so for years I have been unknowingly accruing compound interest on top of the interest that was owed without any such knowledge due to the definitive terms and text used at signing. 

I will add, and this goes without saying, the emotional and psychological duress of paying this loan back on time since 2013, never having missed a payment, never having had a payment arrive tardy, to only find out that I was sold fraudulent terms, undermining my trust with misleading terms within, have made me lose total hope of arriving at a place where I could be considered debt-free. 

Thank you for your time.
Product: Credit reporting or other personal consumer reports

I am the author of this complaint and I have a few companies that I want to complain about. 

XXXX. XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX These three companies has not complied with 15 USC 1692g and they are reporting to XXXX, XXXX, and XXXX inaccurately and unlawfully.
Product: Credit card

I opened a propser credit card but I am not able to log into the account. I have called them emailed and advised them I can not get into the account. I could not see the statement nothing. They finally sent me a paper statement on email two weeks after I should have received it. It has been almost a month and I am still unable to log into the account. I can't see the purchase I can't even make a payment. They are not trying to fix the problem. I get generic emails from them when they do email. When I call I am told to wait on the email. They NEVER reach out to me. I also have to contact them.
Product: Credit card or prepaid card

I was referred to your office by the Maryland Attorney General 's office. I made a purchase from XXXX XXXX XXXX, which uses Synchrony Bank for their loans on XX/XX/2022. My main reason for making this purchase was because of XXXX XXXX XXXX 12-month No Interest Charge offer. XXXX XXXX XXXX offered me a XXXX limit credit card from Synchrony bank, after checking my credit and their agent explained that that is how their process worked. My amount to be financed was {$4700.00} after I had paid XXXX XXXX XXXX {$1000.00} by check on the day of my purchase. I have paid my minimum payment to Synchrony Bank on time since then, except for XXXX, when my payment was due of XXXX, which I paid on XXXX, due to forgetfulness. At that time, after a close look at my account details, I realized that I have been billed interest charges all along although I been supposedly given a promotion of no interest charges for a year. This has added approximately {$1000.00} to my balance and is negatively impacting my credit history that has always been good. 
I am therefore asking that you please intervene and have Synchrony Bank remove the interest charges from my balance. I am doing my best to pay my actual balance with by XXXX, thereby taking advantage of the promotion that I was given. I have contacted Synchrony Bank and XXXXXXXX XXXX XXXXXXXX and they have continued to ignore my requests, although they are fully aware of the validity of my claims. I have my receipts and other documents as evidence.
Product: Debt collection

Browns Collection Service violates the SCRA laws. My husband is listed as a co-owner on this debt and was called to XXXX XXXX service which should have rendered the payment to be less than 6 % interest. I have been paying 10 % interest for the entire time. When I call and ask about it, they say they do not have to honor SCRA benefits and admitted that it was above them, which means they have also been damaging other service members credit accounts.
Product: Credit card or prepaid card

On XX/XX/2018 4 payments were received by Wells Fargo. Each payment was done by check. Normally, Wells Fargo would post the payment on the credit card account and then the following day the check would clear the Wells Fargo checking account that the checks were drawn off. But this time, that did not happen. Wells Fargo did not post the payments but rather collected the money and then one business day later the payment was posted to the account. 

I contacted Wells Fargo about this issue and was informed that payment can take 1-3 days to post but after explaining to the customer service rep that in the past that was not the case and this only began to happen once the credit card account was closed. I was transferred to a supervisor who explained the same thing but after informing them that my concern was not being addressed, I was then transferred to another rep who continued to explain the same thing to me about payments taking 1-3 days to post. 

I interrupted the last representative and advised them that this only happened after I closed the credit card account and based on the actions of Wells Fargo, this appeared to be a deceptive practice. I was then informed that my issue would be escalated to another department who would be contacting me within 1 business day. I was provided with case # XXXX and provided that department 's phone # as XXXX. 

As I researched further I came upon the last 3 check payments that were sent to Wells Fargo and found the following information : On XX/XX/2018, 3 payments posted to the credit card account {$23.00}, {$26.00} and {$24.00}. As XX/XX/2018 fell on a Friday, the checks cleared my Wells Fargo checking account on XX/XX/2018. 

This is why I believe that Wells Fargo is once again engaging in deceptive practices as other financial institutions such as XXXX XXXX XXXX, XXXX and XXXX do not collect funds and then post a payment. The same can be said about other financial institutions such as my auto loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX XXXX account number XXXX, has violate 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intentness to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the account : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with SYNCB/XXXX was never late! I have had exceptional payment history with SYNCBXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

SYNCB/XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card

Capital One is charging additional interest on a balance that has been paid in full. I paid the balance in full XX/XX/2023 in the amount of {$6500.00}. They have now came up with and claim I still owe them {$18.00} additionally. I have requested from a supervisor of the customer service department to credited for what I suggested is just price gouging and theft from a bank that is overcharging to gouge the consumer. They have refused to credit this charge. I have since locked my card made it clear that I would not be using their services for any other business. They already charged me interest of {$130.00} which was paid in full when I paid the {$6500.00}. I would appreciate you requesting the {$18.00} x XXXX as a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE! 

The credit bureaus stated that my file was properly investigated but how is this possible when my personal name and address is not correct. I have already attempted to correct the following issue with credit bureau. Incorrect names : XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX ; Incorrect address : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX Virginia XXXX ; XXXX XXXX XXXX XXXX, XXXX, Virginia, XXXX XXXX XXXX XXXX XXXX, Texas XXXX ; XXXX XXXX XXXX, XXXX, NJ XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, Texas XXXX This is grounds for removal they also violated my rights under 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 : States a consumer reporting agency agency can not furnish an account without my written instructions. Also the credit bureau took more than 30 days to complete my investigation.
Product: Credit reporting or other personal consumer reports

I asked the reporting companies to remove all addresses that do not belong to me. I provided my right address.
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my credit report and have noticed fraudulent accounts i did not authorize that is hurting my ability to obtain credit.

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report 2. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX Account Number : XXXX Update to Open/Never late XXXX. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Update to Open/Never late XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Delete from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

I am XXXX XXXX XXXX and I am making a complaint about an account that is being reported on my credit report with XXXX XXXX, XXXX, and XXXX. The account is being reported by the company, RADIUS GLOBAL SOLUTIONS, LLC without prior consent directly from me. I have never engaged in any business with the company and have never given the company consent to obtain, share, or store my non public personal information. The company furnished false and misleading account information to the credit reporting agencies and is damaging my credit reputation and character. Credit is for personal, family, and household purposes, therefore, any damage to my credit report causes damage to my family and household. I am seeking remedy, expecting the company to do what ought to be done by ceasing all communication, including credit reporting, which will restore me back to my original position.
Product: Debt collection

Dispute remarks state the dispute was resolved. Instead IC systems had made themselves the original creditor and never cleared the debt.
Product: Credit reporting or other personal consumer reports

i have unauthorized credit inquires on my report that I did not authorize.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payments on the dates below : XX/XX/XXXX, I was not late 30 Days XX/XX/XXXX, I was not late 30 Days XX/XX/XXXX, I was not late 30 Days XX/XX/XXXX, I was not late 60 Days XX/XX/XXXX, I was not late 90 Days I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XX/XX/XXXX XXXX XXXX, XXXX. 
on XX/XX/XXXX/2024 with a balance of {$35000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

In XXXX of XXXX I was approved to partake in a loan modification trial period through Ocwen due to financial hardship. I needed to complete 3 monthly payments of {$1000.00} which included XXXX, XXXX and XXXX of XXXX, which were my original payments. It seemed strange to have the same payments in a trial period but I did so anyway. I completed the payments and the only thing left to do was sign the promissory note and have it notarized. I submitted the notarized documents by the required XXXX XXXX XXXX deadline and it was returned as denied due to lack of completion. I called Ocwen to find out what the incomplete portion was and their verbal description was that my spouse also needed to sign it. In their words, " Due to the Colorado homestead act, my spouse must sign the promissory note for them to accept the modification ''. My spouse was never approved or obligated to be responsible for the original loan. I have spoken with an attorney, title company and other financial institution. that stated Colorado does not participate in the " Homestead act ''. They also advised my wife not to sign the documents because it appeared that Ocwen was not being ethical by stating her signature was required for the purpose of the " Homestead act ''. I called Ocwen again for clarification and my assigned account manager and his supervisor would not give additional information on the recorded line.