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

I submitted a letter to the XXXX Credit Bureau XX/XX/2022 to update this suspicious information.This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. PHH MORT SVC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my consumer report from CoreLogic and they responded with a letter demanding the same information in addition to identification. My original inquiry included the following : My full name, Addresses, DOB, SSN, and a request in-print to obtain my credit report. Those things are sufficient to search the systems. They refused to provide my report without collecting additional unnecessary information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed item listed on Experian as lease XXXX XXXX XXXX XXXX Opened XX/XX/21 {$5100.00} original bal 2 months past due Account XXXX XXXX phone Answer from Experian - debt verified by lender No changes made to your report. 

Called lender they had a hard time finding the account in question because they insisted on looking up account via phone number or email used. I of course dont know either. They finally found the account. They did confirm the amount on credit report. They transferred me to collections. I explained the error got mad and said they would look into it. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I wrote XXXX to dispute their {$89.00} charge for early termination of an agreement we entered about a year ago.

I explained that the agreement I had made with a XXXX representative was for a continuation of all aspects of my current service for two years at a set price.

However, after the first year XXXX  raised the price on one of the components of the service. I advised XXXX  at this time if they did not resend the price increase, I would no longer feel bound by the agreement. XXXX never answered my letter and I swished service. Shortly after XXXX  sent a bill for early termination which I did not pay. 

This led them to turn the unpaid bill claim to a Debt Collection agency which led to an Unpaid Bill report to be issued to all 3 credit rating agencies. This led to a downgrade of my 60 years of excellent credit.The 3 credit reporting agencies ( Equiafax, XXXX, XXXX  ) answered my request for an investigation. All three came back marked, " Debt Confirmed
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing to complain about my XXXX Account ( # XXXX ). The issue is credit reporting on loan sequence XXXX & XXXX. On XX/XX/2019, I spoke with XXXX XXXX. I learned that XXXX XXXXXXXX already sent the electronic loan sequences supposedly to each of the bureaus to be reinstated. Today, I learned by speaking with XXXX  and Transunion that the information is still not reinstated on my file.
Product: Debt collection

I contacted XXXX and requested a 1099 for the charged off dept amount and have not received one. Secondly I asked for a sign agreement with my signature on it to release my private information to a 3 rd party debt collector, in which they did and is a violation of my privacy, to southwest credit sys and now they are reporting a negative on my credit report and I want it report now.
Product: Credit card or prepaid card

Credit limit wont be increased. Credit limit was actually decreased in 2019. Limit went from {$2500.00} to {$300.00} with a random credit pull and lack of utilization.
Product: Vehicle loan or lease

We went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX to purchased XXXX XXXX. My husband communicated with salesman and sale manager XXXX before we head down there but once we got there, they told us they dont have the car. We drove 75 miles on their word they have the car on the lot! Salesman, XXXX, was very nice and helpful so we thought we will give it a chance even though they dont have the car. They promised the car by Monday XXXX the lastest but that never happened. They also overcharged us by {$1000.00} but we caught it after we got home. I reached out to XXXX but didnt hear back from him with straight answer and not within a timely manner. We wait until last Friday and the dealership still not reach out to us. We got tired of waiting for them so we went to another dealership and found out that XXXX XXXX already submitted our paperwork to Kia Motors Finance to fund a car that they never even provided! They never provided us a car but already take fund under our name. We were told when we signed paper work with them that this is not final and will not submit until they have the car. We reached out to Kia finance and they were not helpful. They said to contact XXXX  XXXX directly. This is extremely disappointing. How could north Kia get the fund for the car that they havent provided us. We would really need help. Please
Product: Payday loan, title loan, or personal loan

I had a title loan on my XXXX XXXX for XXXX The 4th month my payment was {$20.00} short of the XXXX payment. I get a call a few days before the 5th payment is due and Im notified that there is a {$500.00} late fee associated with the {$20.00} from the previous month. So I cant make a payment or it all goes to the late fee. Regardless my car was repossessed 3 days into that billing month and sold. They would not work with me with any reasonable expectation so my car sold at auction. Now I have no vehicle or means to get to work. 

On a XXXX loan, it wouldve cost me {$14000.00} to pay it back which I wasnt advised of that until after the loan was finalized. I kept asking what the total was and she said well well get to that in a minute. How can a company prey on my hardship and it be legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid off Wayfair acct XX/XX/XXXX. I was then charged interest on a {$0.00} balance. No notification this was done so I was not aware. They then charged a late fee and additional interest and marked account as late on credit report, dropping my score over 20 points. I went ahead and paid int and late fee and disputed it with XXXX  and XXXX. It was corrected by XXXX  but not XXXX. When I went to pull up dispute resolution from XXXX  nothing shows. I am now again being charged interest on a {$0.00} balance by Wayfair. They closed everyone 's account in XX/XX/XXXX.and I continued to make timey payments.
Product: Credit reporting or other personal consumer reports

I was advised by a Transunion rep to fill out this report because of unauthorized inquiries in my report, please remove all these fraudulent unauthorized inquiries in my report. These are the fraudulent inquiries : Name Date XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I called Wells Fargo on XX/XX/XXXX XXXX XXXX XXXX to file fraud because my credit card was lost and unauthorized charges were made. Wells Fargo was able to provide me credit adjustments. However, they did not provide me all the credit adjustments needed. I used my credit card from XX/XX/2023 up until now with the balance of {$1300.00}. My credit card balance is showing {$3000.00} as of now XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to make a follow up on my complaint that you closed XX/XX/XXXX. Everything wasn't addressed well. I am asking you to have US DEPT ED which is a multiple account with the same account number of XXXX opened in XX/XX/XXXXXXXX XXXX with an account number XXXX opened in XX/XX/XXXX, multiple account of US DEPT OF EDXXXX with the same account number of XXXX opened in XX/XX/XXXX, XXXX XXXX with an account number of XXXX opened in XX/XX/XXXX, XXXX XXXX with an account number XXXX opened in XX/XX/XXXX, and an untitled account, it has no account name but its account number is XXXX opened in XX/XX/XXXX be deleted from my credit file.
Product: Credit card or prepaid card

This is a complaint under the special rule for credit card purchases which is now supposed to be enforced by the CFPB. On XX/XX/2018 I was charged {$1500.00} for merchandise ordered from XXXX on the charge statement it is listed as XXXX XXXX XXXX Ohio XXXX Number XXXX, XXXX {$1500.00}. 

Unfortunately all of the merchandise arrived with DEFECTS that were either present immediately or surfaced over a month or so. The children 's kitchen play set gave off noxious fumes that could not be corrected even when we placed an air cleaner in the room with it and ran it 24 hours a day. 

The rug was frayed along the seems and was unraveling. 

The patio furniture, once assembled and placed in use began cracking ( if you weigh XXXX pounds, you should be able to sit in a patio chair without have the wood it is made from split ) The bureau which was not as described and was made of particle board arrived without knobs and the finish has since started deteriorating as the particle board flakes from moisture ( this was at a humidity level of 61 % ). 

The table is also a veneer and the veneer is bubbling. 

I have attached photos of these. 

I have tried without success since the original defective merchandise arrived to get the company, XXXX to make this right, In the latest round they told me the " best they can do is offer me {$250.00}. '' Further a prior complaint to CFPB was completely mishandled as CFPB failed to do their duty and enforce the Special Rule for Credit Card purchases which is specifically designed to protect consumers like me from unreasonable retailers who sell defective goods and are deceptive in their descriptions of those goods and unwilling to fix the problem.
Product: Credit card or prepaid card

I scheduled 3 payments of {$200.00}, {$200.00}, and {$80.00} to be made to my Navy Federal Cash Rewards Visa on XX/XX/XXXX. Only one payment of {$200.00} reflected as paid but my balance still showed {$490.00} on XX/XX/XXXX. Navy Federal reported to XXXX, XXXX and XXXX I had a balance of {$490.00} of my {$500.00} limit causing my credit score to plummet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the company they have none of my information in their system and said they have no accounts listed to me thats listed on my report they told me to make a complaint and dispute it So Im doing that please help take this off my credit report. Ive been working to hard I also was notified by police that someone tried to use my and my husbands bank cards and are charging the person who they found with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, XXXX, refuse to follow the FCRA laws. They have violated my Rights. 15usc1681i ( 7 ), 15usc1681i ( 5 ), 15usc 1681e ( b ), 15usc1692c ( c ). After disputing accounts and inquiries with supporting documents and they still refuse to investigate or send back verified information.
Product: Credit reporting, credit repair services, or other personal consumer reports

An identity thief opened a fraudulent account for {$500.00} with XXXX in my name around XX/XX/XXXX. XXXX and XXXX have removed the fraudulent account from my credit, however Experian listed XXXX as a chargeoff for {$740.00} and it is negatively impacting my credit by lowering my credit score 150 points. It is making it difficult for me to apply for an apartment lease. I contacted XXXX on XX/XX/XXXX and they told me that Experian made a mistake in listing it as a chargeoff instead of removing it from my credit, but they refused to help me any further. XXXX stated that they would contact me within 24 hours of XX/XX/XXXX but they never called me back. Attached are my credit scores from XXXX and XXXX, my dispute results showing that this fraudulent account with XXXX was removed from my credit with XXXX, and the ID theft affidavit that I sent to XXXX around XX/XX/XXXX. XXXX never attempted to contact me to verify my identity before opening this fraudulent account in my name. I never signed any agreement with XXXX. XXXX makes it too easy for identity theft to occur and they are very unhelpful in assisting in correcting the identity theft situation that they have created.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I must inform you that I am NOT responsible for these fraudulent accounts. Someone stole my identity and opened up the fraudulent accounts in my name.

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you violate this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I filed a police report and FTC report and submitted them to the credit agencies and disputed my file. The disputes are not being filed correctly and the paperwork is not being attached to the disputes correctly. And I ma not getting copies of the verification process per the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Mortgage

The escrow company is failing to pay our escrow bills on time. Our mortgage is through XXXX XXXX XXXX, but they contract out to Triad Financial who handles the escrow accounts, who then sends it to a third party who sends the payments. On XX/XX/XXXX I emailed the tax bill to Triad Financial for {$1100.00} due on XX/XX/XXXX. I received a reply the same day that it was received and would be handled. 
XX/XX/XXXX I called and spoke with XXXX at Triad who said the bill had not been paid, but they couldn't do anything about it, because they contract it out to a third party. 

This same thing happened in XXXX and XXXX for our taxes and for our homeowners insurance. This is unacceptable and someone somewhere needs to be held to the correct standards of handling consumers money.
Product: Debt collection

I have been getting phone calls from XXXX XXXX since XX/XX/2018. They always call from a different state area code such as XXXX for New York and XXXX  in California. Every time I block a number, they call back within hours from a new area code and number. I have never received a letter or bill but it's on my credit so I have no way to dispute this. Plus it shows that they have re-aged the debt on my credit. I have seen the time started roll backwards by a year
Product: Credit reporting, credit repair services, or other personal consumer reports

experian, XXXX, and XXXX  has taken more than 30 day for my dispute a violation of the cra sent police report
Product: Credit reporting or other personal consumer reports

I have serious problems with the continuous inconsistency of my name in the different credit bureaus, despite having sent my driver 's license where my name is seen, I still have more than 9 different names among the 3 credit groups.

On my Experian credit report, I have 6 different names, 2 wrong addresses, and the wrong employee position. 
On my XXXX credit report, I have 2 different names 1 Wrong address, and the wrong employee position. 
On my XXXX credit report, I have 1 wrong address, wrong phone number, and wrong employee position.
Product: Debt collection

XXXX has violated XXXX XXXX XXXX by continuing collection activity after a cease and desist and XXXX XXXX XXXX by failing to report complete and accurate information to credit reporting bureaus.
Product: Mortgage

I have attempted several times ( 6 or more in the past 3-4 months to get a a loan modification package. My loan was sold to Fay Servicing while I was in the middle of a modification review with my prior lender. I get letters almost daily of a new acct manager in which I call and to no avail can reach live. I leave a message and do not receive call backs to answer my questions. I call the toll free telephone # and told I have yet another account manager. the lender stated to the courts they tried contacting me and serving my household since XXXX 2016 with no success. they got permission from the courts to serve publicly in the paper. There is someone at my house 24x7 and there were NO attempts to serve me. my home is going up for aution on XXXX/XXXX/16 and I have yet to get a call back from any of the many acct managers I was assigned. I also requested the investors contact information, telephone number and mailing address in which I was denied.
Product: Student loan

I have been paying aggressively on my student loans since the mid XXXX 's. I graduated in XXXX but began paying around XXXX. In XXXX I finished grad school and consolidated my federal loans and have paid continuously, mostly double payments for decades. I should only have maybe 2 years left to pay. I have been ignore and locked out for some time now despite calling, texting, emailing and sending in web inquiries for several years now. 

After finally being able to log into my account despite my social security number being not found and my account virtually wiped out and replaced with a one year payment history and ED financial adding on another TWENTY YEARS to my repayment without notice or authorization to make changes to the terms of a loan that should have been paid off with my aggressive payment history. 

I do not believe it to be an coincidence that when I asked for principal and interest and payment amount allocation info, suddenly nearly 30 years of on time payment history is suddenly erased and my previous payment on my loan now adds another 20 plus years making my pay off XXXX despite paying since XXXX! 

I need help. These loans have been paid in full. All principal has been paid. all th interest has been paid and I've likely paid close to double what was borrowed and they want to double the amount again and add another twenty years when I should have either no or few payments left. It's very suspect that my payment is suddenly GONE and my online account inaccessible and I can not reach the servicer by phone, email or web. 

I have been asking to be referred to the ombudsman repeatedly and nothing has come of that either. 

My loans should be forgiven at this point. I've paid my dues, all payments and worked tirelessly to try and get to the bottom of why this company keeps adding time and balances to my loan. At this point in my repayment schedule, the payments should be going solely to principal not being sent more than half to interest. 

Something is terribly wrong with this loan.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my XXXX have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my XXXX and XXXX information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Product: Credit reporting, credit repair services, or other personal consumer reports

My last complaint you responded and said you assume it wasn't me who filed the complaint. I don't see why you think it is someone else. No one is serious about my credit but ME! So please do not try to use more stall tactics to not remove this account. 

On XX/XX/2020 XXXX sent a letter regarding inaccurate fraudulent things on my credit report it has been over 60 days and to this day I haven't received any results. I feel like I am being taking advantage and ignored by the credit bureaus. Section611 ( a ) plainly states that failure to investigate this item within 30 days gives a reason to immediately remove this account from my credit report. Clearly it has been way longer than that. I demand this account be removed immediately or I will file litigation due to the stress you have caused me. My information has been impacted by the Equifax security breach and may have gotten in the hands of the wrong person. Included is also the FTC report that I filed, sent to each bureau and they haven't conducted an investigation for that either.
Product: Checking or savings account

Receiving overdraft fee when I dont have money in account but bank allows transactions to still process.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I was notified on XX/XX/XXXX of 2020 from Experian that a creditor by the name of " XXXX XXXX '' had been verified as inaccurate after investigating and would be deleted off of my credit file. However I have recently logged in on XX/XX/XXXX of 2020 after my new Experian credit report was released and I am still seeing this creditor on my credit file which means Experian has not kept their word and again are not handling their business properly under the FCRA. Experian has already done their investigation and now I'm still being hindered and punished by Experian and their bad business practices. Under the FCRA law anything unverifiable or inaccurate must be removed within 30 days of the dispute by consumer. It has now almost been a month since I've been notified that XXXX XXXX was being deleted off my credit file and nothing has been done. I hereby make Experian aware that by FCRA law they now have 15 days from the date of this letter to uphold the statement and promise they made to remove " XXXX XXXX '' from my credit file! This is unacceptable and again against FCRA rules and regulations. I expect the removal of this creditor within 15 days. I have also attached the notification from the Experian website in regards to the removal. Thank you.
Product: Credit card

I've always made sure that payments on this account are timely, never allowing them to become overdue. I'm unsure about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.
Product: Checking or savings account

I did not open an account with Truist banking because someone opened an account with my name and personal information.