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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  NA ) XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXXL ( Original Creditor : XXXX XXXX  ) XXXX
Product: Credit reporting

A few days ago i noticed a new XXXX Credit card in my XXXX account. I neglected to attend to this concern. Until last night i read that there was an influx of fraudulent actions and identity theft linked to started of new XXXX Credit card accounts. I immediately called XXXX to alert them. The account was closed. Shortly after, I noticed that the primary email that was used in my XXXX account was one I had never seen before and very suspicious. It included my name and a combination of other characters and ended with " XXXX '' very suspiciously similar to my real email, but not one I have ever set up. 

I immediately changed my email account password and proceeded to send a message to XXXX. 

Today, I also received a call from XXXX XXXX alerting me that a credit card had been opened in my name. Once again, this was not done by me and I have identified this as identity theft. They immediately closed the account and have reportedly alerted the credit bureaus. 

Fortunately, the XXXX Credit card and XXXX XXXX did not have any charges on it. 

I have called TransUnion to make sure they are aware. I just filed an electronic report with XXXX, I have not received any confirmation you. I will be calling XXXX shortly after. Also, I have my local police department on the way so I can create a police report.
Product: Debt collection

I received a VM from XXXX stating they were trying to get hold of me for a debt and will settle for 50 % off if I call right now to a different number XXXX. I did and a rude woman told me she was with XXXX XXXX and was calling on behalf of XXXX XXXX for a debt. I once had a debt with this bank 12YEARS ago and the statute of limitations has surely expired by now. I tried to work with XXXX all those years ago and they would not, so I gave up. Now 12 years later I get constant phone calls from this XXXX never from the same blocked number. Always from a bogus number my phone does not recognize as blocked. I have told them to stop calling me on a statute of limitations expired debt, but they keep calling me. I have had to change my numbers numerous times now because they just continue to call. It is to the point of total harassment by them XXXX and XXXX XXXX  and it needs to STOP. I have contacted you before about this same company!!! Also I never confirmed who I was to this woman I called at the XXXX number, but she gave out information anyway not knowing I was whom they were even looking for. She only knew who I was by her caller ID showing my number they keep harassing me on.I heard I can start charging this company money and wish to do so If I can.
Product: Credit card or prepaid card

I have two issues with their rewards department that I have called so many times on and been on the phone over hours and nothing has been fixed. This credit card is Marcus by Goldman Sachs. 

My first issue was that on XX/XX/2023 I used my points to redeem two gift cards. One was for XXXX for {$100.00} which I did get it virtual on my email. The second one I got it for {$100.00} and it was for XXXX  XXXX which my points got deducted for but I never received it. I called so many times for it and all I got told was to wait 24 to 48 hours and I until this day I have not received it. I have checked my spam, junk, deleted folders and nothing. All I get told is that they cant do anything to just wait but I have been waiting for months and has not been fixed. 

My second issue is that I used my credit card at the dealership for an oil change and I called to use my points towards my oil change which was {$65.00} and the the representative said my statement cycle would be paid off and my balance would be at {$0.00} since I had no other transactions pending or posted. When I got the confirmation and hung up I went to check and only {$5.00} got applied but I got my points deducted for {$65.00} and I have called multiple times and all they tell me it has been escalated to wait for a call back but my bill is due. I dont see why I should pay it when the reason I got the credit card was to use it towards my car services. I have been trying to close my credit card and I just cant seemed to get any solutions.
Product: Credit reporting or other personal consumer reports

I financed a vehicle with Harley Davidson Financial Services in around XXXX. I voluntarily let the vehicle go to repossession early in XXXX. The account took a long time to be listed as closed. After disputing the closed dates multiple times through my credit monitoring service, the account suddenly changed to an open with missed payment status. I contacted the creditor directly, and a representative agreed that the account shouldn't be reported this way and agreed to change it and remove the missed payment. 

The change took place about a month after my request. At this time it was reported as being closed in XXXX XXXX XXXX. Now once again for no reason the account is being reported as open with a missed payment. 

The actions of this creditor blatantly violate the Fair Credit Reporting Act and they are indeed fraudulently reporting this account in an effort to damage my ability to rebuild my credit. I hereby request that the creditor be notified of their breach of legality and remove the account from my personal credit history once and for all. I appreciate any help you can provide with this matter! 

Regards, XXXX
Product: Mortgage

If have been trying to get a loan modification for nearly a year. I have been getting the run around and I have been lied to on several occassions. I have applied for previous loan mods at least 3 -4 times over the past 3 years. I applied when I made more money but was not eligible for a loan mod and got turned down. I applied again when I made less and was still turned down. I appears to me that they are unwilling to help me. Since the most recent attempt to get a loan mod I have been told that documents were not received when I had confirmation that they were delivered via fax. I was sent notices to a database when I never set up to receive documents or communication that way. I was supposely sent documents from the lender but did n't discover it until I called for follow up. Had I not followed I would have missed significant deadlines that would have disqualified me entirely. I was promised that the point of contact would check in with me on a regular basis and that did not happen, I was asked to send more documents when I had already sent them. All of this confusion with the mortgage company took more time to than it should have and in the process my job ended. ( So now I am not approved for a loan mod nor eligible to refinance. ) I am in a Option Arm loan with an interest only payment option which will be done away with and this will subsequently make my monthly payments unaffordable as I used the interest option because it was most affordable. It is my belief that Bank of America has never had any intention to help me keep my home. A loan modification would help me avoid a catastropy of potentially losing my home of 17 years. <P/>My last loan modification attempt was denied in XXXX 2017. A letter was sent on XXXX XXXX 2017 appealing their decision and requested a reason for the denial because it was ambiguous and nothing was received from the lender. I called yesterday and today and finally got through and was told that today was my deadline to appeal the decision. Imagine if I had n't followed up again what would happen? I believe the lender is trying to set me up for failure. I can not refinance my house due to my employment status. I am seeking assistance in making my home affordable. <P/>The name of my lender is Bank of America. My loan number is # XXXX. My point of contact is XXXX XXXX, Home LoanTeam Point of Contact. XXXX XXXX, Resolution Specialist in the Executive Mortage Servicing Compalints Unit.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items do not belong to me nor did I complete any of these transactions : XXXX XXXX Account # : XXXX XXXX XXXX XXXX | Account # : XXXX XXXX XXXX XXXX | Account # : XXXX XXXX XXXX  | Account # : XXXX XXXX XXXX | Account # : XXXX XXXX XXXX | Account # : 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 XXXXXXXX, 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. 

Accounts/inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

There was an attempted fraud on my wife 's debit card in XX/XX/2024. USAA maintains they sent a Fraud Notice to my wife ( never received ), then killed the card and locked all our accounts. We found the cards locked when my wife went to use one the next day. When I called USAA they told me my wife was NOT notified because 'her profile wasn't on the card '. We did not ever receive a good explanation of why there was no notice and why all our accounts were locked. Complaints were then filed with the XXXX  and CFPB. CFPB file XXXX. 

My wife received an email from USAA dated XXXX XXXX stating the investigation was concluded and 'there was no fraud ', consequently the charge against our account was reinstated. No explanation of how it was determined that the charge was not fraudulent was provided. USAA banking representative was not able to explain the situation, and there is no outward-facing access to the fraud department. 

My position is that this determination of 'no fraud ' was done in retaliation for our earlier complaint to the CFPB.
Product: Credit reporting or other personal consumer reports

The credit report is showing 2 wrong collection in my credit report ( Elevate recoveries llc # XXXX ) and ( Elevate recoveries llc # XXXX ), i dont recognize this account as mine, these two account are a mistake or may be something else... 1 one was open on XX/XX/2023 and 2 one XX/XX/2023. Also they sowing these account in collections and opend... I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. 

Please send me my updated report as soon as your investigation is completed.
Product: Consumer Loan

I entered a contract with an un named bank when i purchased my 2008 Hyundai Santa Fe. I purchased the automobile at a cost around XXXX The loan then was purchased by Santander without notice until my first bill was recieved. In this time i was going through a very bad divorce and became late with payments. There were also times that I had my vehicle repossessed. I would always pay to get things caught up and tried to make timely payments. Now that i am back on my feet and can make larger payments i have found that I am receiving accrued interest daily and a large amount of unpaid fees and charges. I was never and can never get a answer as to why and where all these charges are coming from. I am trying my best to pay this loan off as fast as i can but with all of these undisclosed charges it is impossible to get ahead. 
Also on my credit report they have placed that my account has been closed and when asked to take it off it still remains. This is very annoying when trying to get other loans and have to explainn why this is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see prior Consumer Financial Protection Bureau ( CFPB ) complaint number XXXX filed XX/XX/2020 against TransUnion for inaccurate credit reporting of XXXX ( XXXX ) federal student loans currently serviced by Department of Education-XXXX XXXX. TransUnion 's response to CFPB complaint XXXX filed XX/XX/2020 merely referred said complaint to XXXX XXXX with no action or investigation by TransUnion whatsoever. Wherefore, thereafter XX/XX/2020, I requested a copy of my TransUnion credit report to ascartain if any corrections had been made by TransUnion. See EXHIBIT 1. TransUnion denies free copy of credit report in direct violation of Federal Trade Commission ( FTC, see EXHIBIT 2. website copy ) website information that " weekly credit reports are free. '' I want TransUnion to provide me a free copy of my current credit report as required by federal law and policy.
Product: Student loan

XXXX XXXX bankruptcy proceedings, encompassing all student loan debt, were initiated on XX/XX/year>, and subsequently dismissed. Relevant documentation has been submitted to Aid Advantage ; however, no response has been received.
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of fraudulent accounts and inquiries from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the following items have been fraudulently added to my credit file without my authorization : Accounts to Be Blocked and Deleted : XXXX. XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$6700.00} XXXX. XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$470.00} XXXX. XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1200.00} XXXX. XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$2100.00} Inquiries to Be Blocked and Deleted : XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Mortgage

I am writing to petition that the corporate advances be revised in accordance of state and federal law. BB & T wants {$8100.00} in attorney fees, whereas the law allows a maximum d {$3600.00}. 

The fees may not exceed " reasonable and customary '' fees and charges from the mortgagor after the mortgage is insured and as authorized by HUD. That fee is maximum {$3600.00}. I have attached all governing legal references and filed an invitation with the Federal Bureau of Consumer Protection. 

The corporate advances exceed federally and state approved " reasonable and customary '' fees and charges from the mortgagor after the mortgage is insured and as authorized by HUD. 

I have confirmed this with HUD, as well with the State and Federal Bureau of Consumer Protection ( Federal Trade Commission ). I have attached 24 CFR 203.552 Federal HUD law for FHA backed mortages which mine is ) ACCEPTABLE FEES AND CHARGES - GENERAL ( 24 CFR 203.552 ). HUD regulations specify that the mortgagee may collect " reasonable and customary '' fees and charges from the mortgagor after the mortgage is insured and as authorized by HUD. The Department considers the FNMA fee schedules to be reasonable and customary. 

BB & T and XXXX XXXX is violation of HUD regulations by attempting to collecting a fee ( regardless of when the fee is actually collected ) for : 1. a service which in not specifically authorized in Paragraph 4-1C ; or 2.a service not authorized in advance by one of the fee regulators above. 3.charging a fee that does not comply with the rule stated in Paragraph 4-1A. 

I will wait to hear from you, thank you.
Product: Student loan

I'm reaching out to you because, I been disputing a loan that appeared on my Consumer Credit Reports reported by Navient. These loan was taken on the year XXXX, while I lived in CT. The loan was taken with a private lender and was transferred to Navient back at year XXXX. Navient have been reported incorrect, incomplete amount incomplete account number, incorrect date of first delinquency, and incorrect the FCRA compliance date. 

Time and time again I have requested for Navient to provide a copy of original application as to when the loan was taken and as today I have not received anything. 

I recently spoke with Navient and requested for information mentioned above they direct me to their website and require me to open an account only to direct to enter more information and no where in the site where I can request for the original application to verify the loans taken.. 
********************************** Below is similar sent to Credit Bureau requesting copy of original documentation from Navient. 


XX/XX/XXXX Re : 2nd Letter ********************************* Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am inquiring about Navient and Account Number XXXX. Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me a report with the date of first delinquency, the FCRA compliance date and the name of the party who reported the date of first delinquency. 
Sincerely, XXXX XXXX XXXX Enclosures : is a copy of my SSI and Driver License.
Product: Debt collection

On XX/XX/2022 at XXXX XXXX  I received a phone call I allowed it to go to XXXX went to hear the voicemail abcs it was a collection agency! Thus agency has been constantly calling before XXXX XXXX  my time I called back. Advised the agent that I needed to speak with someone who is in charge of these phone calls or Who I can report this to she then proceeded to argue with me saying we dont open till XXXX so we couldnt call you if we wanted to I explained to this rude representative that I have proof and to not argue with me seeing as i am a consumer or customer with a legitimate complaint she transfers me over to someone pretending to be a manager shes then rude to me as well you dont want to hear the facts we call because you have XXXX XXXX XXXX number I explained that was irrelevant and to pay attention to accounts that populate weather my number is XXXX XXXX or XXXX its not okay to just run with whatever! Shes then proceeded to continue to argue with me XXXX which at that point I hung up
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I Contacted ALL 3 Credit Bureaus, Transunion, XXXX, And XXXX and the Creditor ( XXXX XXXX XXXX ) about an collection account showing on my credit reports that was drastically hurting my credit reputation and adversely affecting my credit worthiness.

On XX/XX/XXXX, I received a response from the creditor ( XXXX XXXX XXXX  ) that this account does not belong to them. I find that strange because they have been reporting negatively on my file since XX/XX/XXXX and as recently as this month XX/XX/XXXX as seen on the pictures attached.

XXXX  has removed this incorrect negative file off my reports as of today & I feel that XXXX   and Transunion should do the same being that the creditor has already identified this account is an error, as seen on the complain attached.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized inquiry, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following inquiries need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed XXXX complaints through cfpb. Experian has not completed the result. Instead, they punished me and retaliated me by lowing my credit score XXXX points on XX/XX/year> and lower my credt rating from good to fair and even told me that now creditors will regard me as more risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXXXXXX Balance {$4400.00} XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX  XXXX Balance {$1000.00XXXX XXXX XXXX XXXX  Balance {$300.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have received garnish wages from a company I do not recognize notice. No notice to collect any debt. Company is XXXX XXXX XXXX in XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 called Equifax to dispute incorrect personal information. Since then several of my accounts have been closed by them and they are still open. On XX/XX/2020 submitted another dispute to correct the info. Only one account is still showing closed when it should be opened.