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

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. 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 Bum. 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 XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX 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 severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit card

I just got over-extended due to some expensive uses on my discover card. I just turned XXXX XXXX XXXX, i feel hopeless, I'm willing to send a small amount of money each month for good faith. 

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 NumberXXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX 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: Mortgage

XXXX First Franklin is absolutely the worst place to trust with your finances. We took out a mortgage to fix our home but got in over heads and need to move. My daughter and son in law decided they wanted to purchase the home from us. First Franklin said they arent doing any new loans and there werent options to change it into their names. So we started making extra payments which were suppose to go PRINCIPAL to pay the loan off quicker accept that isnt what they did with them interest and escrow! So contacted them and were told we are six months ahead but when we given the option for the extra escrow money {$320.00} to go to PRINCIPAL now we are only one month ahead I have all my receipts and my financial counselor agrees this isnt right and the company needs to be reported. XXXX XXXX lied to her about not knowing my extra payment were for PRINCIPAL the whole office knows the situation and lied to the VP of the company about posting the payments incorrectly, he knew what he was doing. Simply shameful to take advantage of people who trust you. Never getting a cash payment again, always keep documentation of everything!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get an auto loan and was asked to provide an update on a credit card from JPMCB that was opened on XX/XX/XXXX regarding a closed account with a balance is {$10.00}. This account was closed XXXX of XXXX with a {$0.00} balance. I contacted the company directly and they told me they could not pull up my account to even provide me any information regarding a card. I need this off of my report as it is incorrect and the company can not assist with the account.
Product: Credit card or prepaid card

I bought an engagement ring from XXXX XXXX XXXX XXXX XXXX  in XX/XX/XXXX. At that time, I took advantage of the 18 month interest free payment plan they had offered me. XXXX used Comenity Bank as their credit provider. Comenity set the monthly payments at {$240.00} per month without my input. I understood that this amount was setup to pay off the balance in full in 18 months. Additionally, Comenity setup up the payment dates of the XXXX of each month without my input. My final payment of {$180.00} was setup to be paid on XX/XX/XXXX. The interest accrued in full per the payment plan that Comentiy setup on XX/XX/XXXX. Community could have set them at $ XXXX  monthly and I would not have fallen short on my final automated payment of {$180.00} by less than two weeks. I was not able to access my account online after trying several times over several months, I had to finally call their customer service to resolve my account access issues. The customer service rep I talked with said this was a problem for many of their customers and that I just needed to call in to reset the account to get access. Meanwhile I had no access to my account and therefore did not know that my last payment was due XX/XX/XXXX NOT on the automated final payment date of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Is violating my consumer right Md Judicial courts and judicial P.5-1202 : A creditor or credit may not initiate a consumer debt collection after the expert expiration of statute of limitations, applicable to the consumer debt collection action. 
12CFR10006.34 ( b ) ( 5 ) XXXX XXXX XXXX XXXX is still placing this collection on my report. 
15 USC1681 Permissible purposes.

15 USC 1681 a ,15 USC ( e ) ( b ), 15 US 1681b XXXX XXXX XXXX is fine all of those rights. 

The owner is incorrect on this inquiry. The date of last activity is incorrect. The terms is incorrect. The incorrect date is incorrect. The responsibility is incorrect.
Product: Debt collection

Ive got 3 collections Im paying on. XXXX XXXX XXXX which I have 2 correctly reported my balance. One Main Financial never does. I owe around {$6000.00} and the have me over {$7000.00}. I told them about it and they tell me its all done by computer. I dont buy it. Also Im making payments on XXXX XXXX for a truck for {$300.00} a month and its not even on my credit report. I surrender the vechiele and thy said I owed {$4500.00} I have paid {$900.00} on it all ready and being not reported am I even supposed to be paying on this? Thank
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My personal identity was leaked twice in a data breach. The first occurrence was on XX/XX/XXXX, and I received a letter informing me of the incident on XX/XX/XXXX. The second occurrence was on XX/XX/XXXX, and I received a letter dated XX/XX/XXXX. 

Since then, numerous attempts have been made to open credit cards and loans under my name. I contacted the individual companies on each occurrence, reported fraud, and placed a freeze on my credit file on XX/XX/XXXX. Disputes I've made over incorrect addresses, phone numbers, accounts, etc. on my credit file ( XXXX ) have been denied by XXXX and XXXX on multiple occasions. A recent dispute I filed with XXXX XXXX XXXX to remove an additional account under my name ( used fraudulently ) was denied. This is not acceptable ; I have been subject to identity theft on at least two occasions. I have attached extensive records to support this complaint. Included are the letter
s originally sent informing me of the two separate data breaches. I've attached a police report that lists me as a victim of fraud on page five of the attachment. Portions of my credit file ( s ) with the fraudulent account ( XXXX  ) & inquiries still included are attached. Finally, I will include identity theft report ( s ) filed with the FTC.
Product: Mortgage

XXXX sold my mortgage to Selene Finance in XXXX and several payments were automatically sent to my checking account at chase from my monthly social security and were to be paid with that check to my mortgage, also held by XXXX. In XXXX, 2023, I lost my job as XXXX of XXXX at XXXX XXXX and applied for unemployment which I received until XXXX. In XXXX I asked XXXX ( many times because e-mails are not responded to and phone calls from XXXX carry NO message ) if I could have my monthly payment reduced and I sent them a check for {$6000.00} XXXX first. I was sent a Form to fill out monthly expenses and income at the end of XXXX and was told that a ruling would be sent XX/XX/XXXX. That didn't come and XXXX I finally got a hold of someone on the phone and asked if the check had been received, and was told no and I also said that I was still waiting for that XX/XX/XXXX decision. Was told it would be coming. I called XXXX XXXX and asked them to cancel the {$6000.00} check and they automatically sent {$6000.00} to XXXX. My XXXX checking account was hacked and account numbers were changed. The {$6000.00} was returned!! I called again in XXXX and was told that I did not have to pay a payment until XXXX because the XXXX XXXX??? was approved and a letter was sent at the end of XXXX. I told then I rec 'd no letter and the woman checked and said there was no copy of the letter sent. I called again and asked since I never received the letter AND paid the payment in XXXX if this could be not sent in XXXX. I was told that was OK, but that {$1700.00} needed to be sent XXXX first which has already been entered into my XXXX auto-pay. My only income until I get another job ( which I have been actively seeking since XXXX XXXX ) is my Social security which amount covers the mortgage payment, leaving me with no money for bills, utilities, gas or food!
Product: Money transfer, virtual currency, or money service

Venmo has offered crypto services on their platform to all consumers. Upon trying to use my existing Venmo balance to make a crypto purchase, all transactions were denied. 
Error messages were sent to my email address to inform me that the crypto purchase was not completed. There was no path to dispute or resolve beyond try again later. 
I contacted Venmo customer service on XX/XX/XXXX and XX/XX/XXXX to address this issue but was informed both times that It looks like your transaction is being declined by our system. This generally happens because it raised a security flag. 
In both times, there was no path to dispute this risk/security flag to clear my account to take advantage of crypto services offered to the public.
Product: Debt collection

I have asked Merchants & Professional to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report Dear CFPB, I am writing to follow up on my initial dispute, submitted on XX/XX/XXXX, regarding inaccuracies reported for the XXXX XXXX account on my credit file. Despite this prior dispute, no corrections have been made, and the inaccurate information remains on my report. This continued failure to correct the errors is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, which requires consumer reporting agencies to maintain accurate and verifiable information. 
Account Details Account Number : XXXX High Balance : {$52000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance Owed : {$23000.00} Account Status : Open Payment Status : Current Payment History Inaccuracy : Reported XXXX late payments in XX/XX/XXXX. 
Nature of the Error The reported late payments are inaccurate and do not reflect my actual payment history. 
The discrepancies are as follows : Equifax : Reported XXXX late payments for XX/XX/XXXX and XX/XX/XXXX. 
XXXX and XXXX : Reported XXXX late payments for XX/XX/XXXX and XX/XX/XXXX. 
These reported delinquencies are erroneous. I have consistently made all payments for this account on time, and the account should reflect a status of " Paid As Agreed Never Late. '' Request for Investigation and Correction As per the FCRA, I am requesting the following : A detailed description of the investigation process you conducted after my initial dispute on XX/XX/XXXX, including the methods and procedures used to verify the accuracy of the reported late payments. 
Documented evidence provided by XXXX XXXX or any other relevant source to substantiate the claim of late payments. 
If you are unable to verify the accuracy of these reported late payments, I demand that this account be corrected to reflect its accurate status as " Paid As Agreed Never Late. '' Legal Obligation Under the FCRA, you are required to investigate disputes thoroughly and correct inaccuracies promptly. If the disputed information can not be verified, it must be removed or corrected within the legally mandated XXXX timeframe as per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). 
Failure to comply with these obligations not only harms my credit report but also violates federal law. If this matter is not resolved within the required timeframe, I will escalate the issue to the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action to ensure my rights are protected. 
Summary of My Expectations Remove the inaccurate late payment marks for XX/XX/XXXX and XX/XX/XXXX from Equifax, and for XX/XX/XXXX and XX/XX/XXXX from XXXX and XXXX. 
Provide written confirmation of the corrections made to my credit file. 
Supply a detailed explanation of the procedures used to investigate my dispute. 
Thank you for your immediate attention to this matter. I look forward to receiving your response within the XXXX timeframe mandated by the FCRA. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

Regions Bank has no mechanism for the customer to make additional principal HELOC payments online. However, in XXXX when the HELOC was initiated, they told us that any payments made in addition to the monthly interest payments by bank draft would be automatically applied to interest. When I learned that this is not accurate information, I began working to get the misapplied payments ( intended to be applied to principal but were applied to interest ) corrected. The bank eventually corrected XXXX misapplied payments but would not correct those in XXXX, stating that the " books are closed for the year, '' even though I have documented proof that I had requested those corrections in XXXX. As of this date, Regions Bank has pocketed over {$1300.00} in interest of misapplied payments from us that should have been applied to principal. Why should we be paying additional interest to the bank when all interest payments have been made as scheduled through automatic draft? And how is it possible that a large financial institution such as Regions Bank can refuse to correct misapplied payments that were made in good faith based on incorrect information given by its staff to loyal customers with an excellent credit rating and payment history? We intended to pay off this loan and close the account months ago but continue to pay a small amount of interest each month as we await a fair resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a free copy of my annual credit report in XX/XX/2020. Equifax requested identity documents. I sent them a copy of my power bill with current address and social security card with the page and report number, etc that they sent and asked me to return. They took my documents and never responded. They stopped providing me credit reports several years ago. In fact I have not been successful in obtaining my credit report from them since they exposed MY DATA in the data breach. 

I believe it is a violation of my FCRA rights for them block me from my own credit report like this, repeatedly.
Product: Debt collection

State Farm continues to robocall me about an autoloan my father took out on his own. I am not affiliated with his loan and have asked them to stop calling me. I receive at least one robocall a day from their main number, and 1-2 robocalls from spoofed numbers.
Product: Payday loan, title loan, or personal loan

I can not afford my monthly payments. Previously enrolled this creditor with a debt management credit counseling plan and I eventually had to remove XXXX because they truly do not help. 

After removing them from my credit counseling plan, I contacted XXXX myself to see what options they have to assist those who can not make their payments. 

Their only options are to refinance or to push the monthly payment back. Neither of these options are true options when the loan ( 1 ) has a 149 % interest rate that ensures that payments will be high and customers will likely have to miss a payment, thus hindering their ability to qualify for refinance due to the negative notations they will get on their credit report and ( 2 ) they do no address or change the amount paid every month to be more affordable. 

This company offers NO hardship plan accord to them. Other companys who provide installment loans do. XXXX has decided receiving no payments at all and defualt would be better to offer some sort of hardship assistance for people that truly want to pay their debt. 

I was previously advised by a XXXX XXXX agent to cancel my debt management plan and to work with them directly. 

I am only current now after struggling and borrowing money to get myself current and I was under the impression that once current I can gain assistance. I would not have struggled and borrowed only to find out that I was once again lied to and misled by XXXX agents. 

I need true hardship help. 

A 149 % interest rate is extremely unreasonable and this company absolutely engages in predatory lending, offering loans to people who can not get a loan elsewhere with extremely high rates in addition to making sure they do not offer any assistance should customers can not pay their monthly payments which MOSTLY if not ALL only go to interest and not the principle balance of the loan. This is unfair. This is unreasonable. With so high payments, they should actually be reducing the loan but instead every day the amount due gets higher and higher.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and Capital One and XXXX XXXX. The Account Opened is Capital One Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$33000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting or other personal consumer reports

I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had already corrected. Due to your lack of response, or responses which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to CORRECT the account listed below : XXXX XXXX XXXX Balance : {$1600.00}
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$98.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$300.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$4900.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX {$2200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$520.00} XX/XX/XXXX XXXX XXXX  XXXX {$200.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.