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. 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 XXXX 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 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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response. I feel like Im being taken advantage of and being ignored by my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 data gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be delayed promptly. I de an these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and May have gotten into the hands of the wrong person.
Product: Student loan

I 'm confused I attempted to consolidate my loans so I could do income based repayment ( IBR ) and the public service loan forgiveness program ( PSLF ), but when I spoke to a representative from the program they said I did not have the correct loans. However, I was assured by the Great Lakes representative that this consolidation would put me on the path to loan repayment. I am very disappointed and confused- this cost me 11 months of payments. I do n't understand why there was the problem because I do n't have any private loans. Obviously, this misinformation benefits the loan company. I would like to know what recourse I have.
Product: Debt collection

Original Creditor : XXXX XXXX XXXX Reporting Company name : portfolio recovery. 
Bal. Reported : {$1300.00}. 
Claimed date of opening : XX/XX/ This account has been sold and charged off. I do not owe this dept.
Product: Debt collection

This account is not mine. I have asked the reporting collection agency numerous times top validate this debt and they are unable to do so, however they keep reporting it to the credit bureaus. In addition, on my most recent credit report, they are now reporting incorrect dates. Originally the alleged delinquency was XXXX, then they changed it to XXXX, not it says XXXX. Jefferson Capital Systems has no regard for the consumer. They are involved in unscrupulous business practices. They have made no effort to try and resolve this matter and have blatantly disregarded my request for validation of this debt. The account was fraudulently acquired years ago, and does not belong to me. They have failed to provide me with any proof whatsoever to substantiate their claim. I requested to see the application, the proof of identity that was provided at the time of the application and the original signature on the application and they can not provide that information.
Product: Debt collection

I was on XXXX XXXX status last year for the XXXX and Navient kept raising my interest and demanding payments after I submitted an XXXX XXXX deferment on the student loan payments. At one point during XXXX XXXX I was under so much stress about the situation that I went to the military 's XXXX XXXX clinic. After I came back from XXXX XXXX, I started dutifully submitting the payments under the military 's student loan repayment plan. It took months of trying to contact them, but I eventually got in contact with someone in their department who is supposedly Navient 's representative to the military and resolved the issue and lowered the interest and corrected the payments. But I still have the documents from them demanding payment and raising interest while I was on XXXX XXXX status. Even though they made the financial corrections, they caused too much stress for me and I believe they did me harm that has to do with a health issue. It took me months of contacting them before we could even begin to resolve the issue.
Product: Credit reporting or other personal consumer reports

I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in Florida. A year and a half later the car was totaled in a car accident. When i purchased the car i also purchased a Gap Insurance policy as well as wheel and tire protection through XXXX XXXX XXXX. When the car was totaled around {$91000.00} dollars was remaining on the loan. The insurance company appraised the car at around {$87000.00}. There was a gap of around {$3500.00} dollars. In order to file the claim with the gap insurance company I first had to cancel my wheel and tire policy and receive a reimbursement for the unused amount, which i did. Then i had to send that to XXXX XXXX XXXX so they can facilitate sending the difference to the gap insurance company. The finance manager at XXXX XXXX XXXX sent all documents necessary to the gap insurance company via fax. The gap insurance company does not have an email you can reach out to to confirm they received the documentation needed to finalize the claim. Months went by and i never heard anything from anyone, i thought my job was done. I later find out through Porsche Financial Services that my account was in danger of being charged off on my credit report. I called Porsche Financial Services many times to help facilitate collecting the documents needed again. Nobody could help me. I tried with the finance manager at XXXX XXXX XXXX XXXX many times to get this finalized and he did all he can. Due to Porsche and their affiliate companies not having any organization structure or any clue on how to help their customers the account was later charged off and negatively impacted my credit score. It was the most excruciating process and nobody seems to know how to help or do their job. I was also hung up on by multiple Porsche Financial Services representatives when i expressed the emotional drain and frustration this has caused.
Product: Debt collection

So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I was alerted to a negative change to my XXXX credit report resulting in a 91 point drop in my credit score. The negative report was that my balance on the XXXX XXXX XXXX Credit Card increased {$820.00}, but what XXXX isn't considering is that I transferred that balance from my XXXX Credit Card. It was just a transfer, there was no increase on my credit cards. XXXX also indicated a negative report on my credit due to an increase of {$39.00} on a XXXX Credit Card. XXXX isn't showing any of the payments I made on these credit cards in the last month of over {$300.00}. My credit score should never have dropped, it was just a transfer from one card to another and if my payments were shown correctly my credit score should be back above 720 where it belongs.
Product: Credit card or prepaid card

I have a virtual AMEX gift card that I am unable to use on line or in store. I was given the card with a {$350.00} value. I used it to make a couple of on line purchases at XXXX and in store at XXXX XXXX XXXX. That left the current balance of {$130.00}. I have since tried numerous times to use the card on line at XXXX, XXXX and XXXX XXXX. I called American Express several times and was told that the merchants may have security in place where they do not accept " anonymous '' user cards and to use in store instead. I have tried to use in store at XXXX XXXX XXXX ( this time didn't work ), XXXXXXXX XXXX  and XXXX. All instances the card was declined despite having a balance. I keep calling American Express and they tell me that my balance is there, restrictions are lifted ( why where they there in the first place? For my protection I was told. But I never reported losing the card. I am simply trying to use it! ) So back to the stores and same problem. When I call I am being told to try other merchants. I don't think this is fair. You should be able to use the card anywhere they have a card reader ( XXXX XXXX ). Any help would be appreciated.
Product: Mortgage

I had fallen behind on my mortgage payments with PNC Bank, I was given the option of going on a trial program for 3 months. I needed to make these payments by the first of the month and they would then give me a loan modification. Before I said I would do this, I questioned the guy from PNC because on the trial payments it said 480 months. He told me that was just for the trial and he had never seen it stay that way after the trial period. Well I just finished my trial payments, and he tells me that he did n't explain it to me that way and the new loan which saves me roughly $ XXXX month from {$1300.00} to {$1100.00} but adds 23 years to my loan, and does n't change the principle or interest rate on my original loan. I thought I was participating in a plan that would help me, not prey on my circumstance.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act. the list of account below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

account name : XXXX XXXX XXXX # XXXX. 
account name : XXXX XXXX XXXX # XXXX. 
account name : XXXX XXXX XXXX # XXXX. 
Has violated my rights. 

15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 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 following items of information any other adverse items 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting a XXXX XXXX account XXXX that have been removed from my XXXX and XXXX and TransUnion reporting as an open account. This accounts should not be furnished on my consumer report as a violation under 15 U.S Code 168ib as a consumer I want this account deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus last XX/XX/XXXX to correct/fixed these suspicious items. I think you have not validated these items in accordance with FCRA and I will pursue legal action against you. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX # XXXX ; XXXX XXXX Bank XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX 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 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 or other personal consumer reports

This credit bureau has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am incredibly upset to see unauthorized inquiries on my credit report, and I am clueless as to why theyre there. When I checked my report today, these unusual entries appeared unexpectedly. Refreshing my browser didnt resolve the issue. I am requesting a detailed review of my documents to ensure this doesnt happen again.
Product: Vehicle loan or lease

My XXXX XXXX is paid off by the Insurance ( {$11000.00} ), company to Santander Consumer USA, plus I paid over {$12000.00}, now Santander Consumer is asking for {$10000.00} in late charges. It has ruined my credit score. I need Santander Consumer USA to make my credit score right and loan paid off in writing with Title. The car cost {$18000.00}. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports are listing a bankruptcy from XXXX, XXXX  , & TransUnion and all 3 bureaus are saying that XXXX is the furnisher. I wrote XXXX ( on XX/XX/2020 & XX/XX/2020 ) about this issue and ask them to send me verification of this bankruptcy ( that they have from the courts ). They never sent me any proof from the courts or any were else. But the are still being listed as the furnisher of this bankruptcy with the credit bureaus. The courts are the only one who could be be the furnisher of this information to anybody and they basically said, the do not report to any of the credit bureaus or companies like XXXX. I have the letter to prove it. 

Then I wrote XXXX, XXXX, & TransUnion ( around XX/XX/2020 ) about all 3 of them report inaccurate information on my reports about this bankruptcy. The kept sending letters back saying it was verified. I sent them proof of this and they ignored it.
Product: Mortgage

XXXX I got behind on my mortgage by {$2800.00}. I asked the mortgage company, XXXX, if I could make payments, and they turned me down. I got calls from lawyer 's offering me to help me get a loan modification. I chose XXXX XXXX out of Florida. I finally sent in all of the information they requested, along with {$2800.00} and, they began to work, I think. After a few months, I received a call from XXXX stating that the loan company accepted the loan modification application. Since the loan company wasn't accepting any payments from me until the @ XXXX dollars was paid in full, months had passed. In another month or two, I received a letter from XXXX XXXX stating that the loan modification did not go through ; no phone call this time. More months had already passed. I got a notification of foreclosure and filed for Chapter XXXX bankruptcy in XXXX. I have been paying on the bankruptcy for four years, and still haven't paid off the delinquent amount, although I have paid to date {$79.00} XXXX. My bills, including the arrears of {$19000.00} were {$68000.00}. My concern is that the mortgage company, Freedom Mortgage, who obtained my contract from XXXX, has placed me on a variable rate loan. When I entered the bankruptcy, I was in a fixed rate loan. I did not authorize, or sign any paperwork changing my rate from fixed to variable. Freedom Mortgage raised my mortgage {$840.00}. My payments were {$850.00} going in, until recently, my payments were {$1600.00}. I received a letter stating that the mortgage has been reduced to {$1000.00}. Is it supposed to just change without my consent? I think once the bankruptcy is over, I will lose the house that I have tried so very hard to keep. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report. 



Please remove -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and 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

This unknown account shouldn't even be appearing in my file, from what I know. I don't know where you got the following account as I do not recognize it absolutely. Its my second letter and I hope it will not be ignored again, please delete this item because I am identity theft victim for sure. How that possible you just start reporting unknown account in my profile? Come on remove it forever!
Product: Credit reporting or other personal consumer reports

This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my XXXX score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move f
Product: Mortgage

on and about XX/XX/1920 we called mr cooper who is our mortgage co about there forbearance plan spoke to XXXX XXXX a rep from me cooper asked him how it worked to delay payments as we are seniors and having difficulty at this time he seemed to not know how to explain to us the program my husband kept asking him questions he said we would have 3 months of no payments but when my husband asked how we pay back he kept giving us different answer he kept giving us different money figures how we pay it back it didnt make sense to us so my husband figured out and gave him what it was going to be {$2100.00} added on to our monthly alternative wasnt acceptable to us we told XXXX we needed to think about this letter dated4XXXX  came in saying we were accepted gor this program we never okayed this this is fraud against me cooper and XXXX XXXX we received this letter on XX/XX/1920 we told her we never said we wanted to do this they also discontinued our autopay shw was sending a stop order on on XX/XX/1920 we also paid our mortgage payment to her that day she said it would take 3-5 days then my husband called on the XXXX because nothing was cancelled for the forbearance as of the XXXX nothing has been done XXXX XXXX deceived ud and has caused us stress in a time that people have there health and money problems they did us a disservice we as we feel we dont want our account with me cooper anymore feel that should pay off our account with them or transfer us to a reliable company fraud has not they way a company should be run
Product: Credit reporting or other personal consumer reports

XXXX IS REPORTING ALL CLOSED REVOLVING AND INSTALLMENT ACCOUNTS AS CURRENT AND LAST ACTIVE AS OF XXXX XXXX XXXX  SHOULD DELETE AND REMOVE THESE CLOSED REVOLVING AND INSTALLMENT ACCOUNTS
Product: Debt collection

This one advantage, llc trying to collect debt from XXXX/XXXX/2007 If this pertains to school loans and all my loans where consolidate and are in forbearance so I do not owe what they are trying to collect. If this is from XXXX they lied about there programs and rushed me to start before I was ready and before they had all my transcripts to make sure I was able to start program selected and that it would lead to career desired and I found out after it would not when they told me it would. Staff was not helpful ... only want money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. XXXX acct # 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.