23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax still refuses to remove a XXXX  Inquiry from XX/XX/2016 which I have disputed with both Equifax and XXXX, XXXX already notified all three bureaus and two inquiries were removed from XXXX XXXX and XXXX but NOT Equifax. I call them and they tell me to dispute it with the company and are rude and unhelpful.
Product: Student loan

I have monthly payment arrangement with Navient for the amount of {$120.00}. Yesterday my account was overdrawn due to Navient 's attempt to withdraw {$240.00}. I contacted the Navient 's customer service and they stated my monthly charges have increased. I informed agency that I never authorized these payments.
Product: Credit card or prepaid card

I have not been able to go back to Ohio where I get my mail because of COVID and XXXX issued me new card and charged me a fee for it which I didnt know about. I have not been using this and for a long time and didnt even know about it. They are now saying I can cancel the card but still have to pay the fee.
Product: Checking or savings account

We move here in 2017 and I was not aware that they were charging for my son account yet as I am his payee that was for the Social Security and for his SSI. I went to the bank about a week ago and filed a complaint because as the requirement for the fees to be waived is that it be a deposit but he they are saying that he did not qualify for the free yet we are both XXXX and my account is not at Chase it is at XXXX XXXX but back to what I am up set about is no one has the right to be in my personal business and since I have moved here it seems that I have an XXXX  and I am a XXXX they do not allow you to share your concerns and they do not provide services so they fixed his account and not I do not have access! WHO TOLD THEM TOO! I AM GOING TO LEAVE THIS BANK BUT NOT BEFORE I FILE THIS DISCRIMINATION COMPLAINT AS I AM LEGALLY HIS PAYEE AND IF MY SON DOESN'T HAVE AN ISSUE AND I AM DOING HIS BUSINESS WHO AT CHASE HAS DETERMINED THAT THEY HAVE THE RIGHT TO BE IN MY PERSONAL BUSINESS!!!!!
Product: Payday loan, title loan, or personal loan

When I began the loan application process I was given misinformation about the cost of the loan It's {$900.00} I was told that I would be charged a total of {$130.00} for borrowing the {$900.00} a total. 

later when I called in to inquire about it the loan I was told that I have 17 more payments which doesn't make sense considering my first payment was like {$130.00} and the second payment was over {$200.00} I called in to check and they told me that it was basically going to cost a lot in interest for the loan so I'm having to pay off the entire thing at {$850.00} this XX/XX/XXXX When they spoke with the representative after getting the loan and inquiring about the cost and the misinformation that I received I was told that no I'm wrong The person told me correct and that it was in the contract paperwork that I signed I did not see any of that if I had I would have known that they aren't a true financial institution interested in helping people that they're only interested in lying people so they can turn profit and I never would have done business with them That's false marketing lying using your customers for a number so you can pad your pockets And how was that they don't even report to the credit bureaus which is my fault cuz I forgot to ask that question but I mean come on if you're going to super overcharge me and use me to turn profit you might as well at least report to credit bureaus so that I might get something good out of it This is a waste time stressful XXXX and I hope your company receives the karma they are due
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. 

XXXX XXXX XXXX XXXX # XXXX There are discrepancies observed in my credit report pertaining to XXXX XXXX XXXX XXXX. The reported last activities differ across Transunion, XXXX, and XXXX, with Dates of XX/XX/XXXX, for XXXX, XX/XX/XXXX, for XXXX, and XX/XX/XXXX, for TransUnion. A notable incongruity is evident in the representation of my payment history. XXXX indicates 8 instances of 90-day late payments, while XXXX reports only 1, resulting in a significant inconsistency. Moreover, there is a variance in the on-time payment percentages, with XXXX reflecting XXXX % and XXXX documenting XXXX %. Furthermore, specific entries in XX/XX/XXXX, differ, as XXXX reports a collection charge, whereas XXXX records an on-time payment for the same period. In light of these inconsistencies, I kindly request a comprehensive investigation into the matter and the implementation of necessary actions to rectify the inaccuracies present in my credit report.

15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S. Code 1681i ( 2 ) ( B ) The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

15 U.S. Code 1681 ( b ) - Congressional findings and statement of purposeIt is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Mortgage

I applied for a mortgage loan for the sum of XXXX from Bank of America Tue, XX/XX/2020. At the time of application, I was discouraged from applying by the loan officer before gathering all of my information - Which prompted me to seek another loan officer in my local area. 

I submitted all of my information and was exposed to significant unexplained delays. Although my application was qualified by several other banks for an unknown reason this bank did not approve my application and failed to notify me of the exact reason and did not provide me the opportunity to address any addressable issue. I wrote the following letter on XX/XX/XXXX and did not receive any clear explanation in response. 

Good morning XXXX XXXX, I am writing to request a detailed letter of explanation regarding why my mortgage loan application for the purchase of XXXX XXXX XXXX, XXXX, New Jersey, with a purchase price of {$500000.00}, with a mortgage from Bank of America, Loan Number # XXXX in the amount of {$470000.00} was denied. 

I was requested and was promised this information by XXXX, the primary mortgage loan officer, over two 2 weeks ago. However, to date, I have not received the said information. 

I request that this matter be treated with the highest degree of urgency. 

Thank you in advance. 

Regards, I was significantly disadvantaged by this transaction and feel like I was not given an equal credit opportunity by BOA
Product: Credit reporting, credit repair services, or other personal consumer reports

MY INFORMATION ON MY CREDIT REPORT IS INCORRECT PLEASE SOLVE THIS. MY ADDRESS ACCOUNTS ON REPORT AND EVERYTHING IS INCORRECT!!!! 

I am a victim of identity theft and Im writing to you to dispute the fraudulent accounts in my file that I did not make or authorize. I have circled the items Im disputing on the attached copy of my credit report. The items I am disputing do not relate to any transactions that I made or authorized. As required by section 611 of The Fair Credit Reporting Act, a copy which is enclosed, I am requesting that the items be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Refuses to fix my report. Whatever the case if Im on my spouse card or my my card if the credit card company reports thats not there business to pick and choose what Information goes on my report Im tired and frustrated working manual hours to get them to resolve issue they dont respond they have been sent the complaint more then three times and certified but they dont address it My acct credit card was removed off my report with out me requesting it The credit card company didnt request it, in fact they still report each month and transunion doesnt report the GOOD information I never ask for credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX be removed in fact it helps my utilization as I build my credit. 
Transunion likes people to fail so they have something to report If you are over the limit XXXX transunion drops your score XXXX pts were as experian does likem7-10 points Transunion believes they are private owners they do what they like to consumers
Product: Checking or savings account

My Citibank account XXXX has been locked for months now due to a fraud Alert. I have called Citibank customer service to clear this alert several times from my phone number on file. XXXX. Citibank said they sent a verification code to my phone number but i never received it. Then when i asked them to resend the code they said my phone number isnt verified in the system and asked me if i had another number, which i dont. They also said they mailed me a reference number to my address on file yet i never received it. I even visited the branch with my ID and they didnt unlock it. This is absolutely ridiculous. I need my account access restored immediately, i still have my debit card in my possession. No one else has access to my account. I have already verified that all transactions and account activity was made by me! Please unlock my account immediately and clear the fraud alert so that i can use my account again. 

XXXX XXXX Ssn : XXXX DOB : XX/XX/XXXX  Phone : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a claim on XX/XX/2022 and some accounts came back as verified which I know is incorrect. I never gave my permission for this information to be furnished which resulted in my privacy being breached. This is another violation of my consumer rights. 

Pursuant to 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( iii ) In your initial investigation, I was never given the opportunity to deny this information being reported to my consumer report. This is in fact a violation of my consumer rights.

Pursuant to 15 U.S. Code 1681 ( a ) ( b ) Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. These alleged transactions that your company clearly did not investigate are categorized as unauthorized use of a credit card due to the fact that a person other than myself, the consumer, received a benefit from the extension, or lack thereof, of the use of my credit.

I need your company to furnish a detailed documentary with evidence of public and private communications to see who received the benefit from the use of my credit.

I also need to see a detailed documentary of how the reinvestigation was done and how each account came back as valid and by what means. I need to know exactly who you spoke to with the name and address of each individual. 

If this information can not be provided, I demand each account be removed effective immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We would like to request your help in contacting Bank of America or XXXX XXXX XXXX in our behalf. Regarding our second mortgage that we believe we were eligible to be part of the EXTINGUISHMENT Bank of America 's program. 
Bank of America was aware of our financial struggle since the recession.XXXX mortgages were held by them and they tried many times to foreclose the XXXX mortgage on us. We had to stop it by filling for bankruptcy. At some point we thought they were eliminated the XXXX mortgage. Because they were increasing the XXXX mortgage before the loan modification with XXXX. We did n't receive any bills for the second either in our credit report, instead It is a " Secured Deed '' with Scrupulous XXXX. Enclosed is an attachment. Account # XXXX
Product: Checking or savings account

XXXX $ were transferred from the bank of America my account to someone Bank of America account. I reported this to Bank of America XX/XX/2020. 

Bank of America did primary inquiry and told me on the phone that since the IP and device the same as always. They are not going to refund the money.
Product: Student loan

I attended the XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I obtained a XXXX XXXX XXXX degree in XXXX XXXX XXXX and I took out Federal and private loans to pay for the education. The XXXX XXXX XXXX XXXX is now closed and the XXXX XXXX  has now found the school misled students, and participated in fraudulent practices. 

I have struggled over the years to pay my loans, and for many years I didn't bring a high enough salary with jobs that I received from using my degree. Due to my payments being so high I refinanced with Earnest ( XXXX ). 

I now have a private loan and unfortunately Earnest will not discharge of it. I don't feel this is fair to previous students of the XXXX XXXX who had large payments through XXXX over the years and due to this were pushed to do a refinance through a company, which turns the loan private. 

The XXXX XXXX has been found to be fraudulent and I would like assistance with a loan discharge. 

My original balance with Earnest was : {$57000.00} and I still owe an estimated {$37000.00} plus.
Product: Student loan

Starting in XX/XX/2019, I was so far ahead in my monthly payments that I was allowed to stop making payments for a few months. I received a summary of my accounts with this information monthly, with the date of when payments would need to start again. 
So in XXXX and XX/XX/2019, I stopped automatic deduction from my checking account. Each month, I paid a large chunk of money on one specific loan in an effort to pay it off. I successfully paid in full one loan in XXXX, and received a " Paid In Full '' letter in the mail a few days later. My plan was to, each month, make a payment for one specific loan to pay it off, and by the time my paid ahead staus was finished, I should have 3 loans paid off. 
However, on XX/XX/2019, I received correspondence that my loan terms changed, and suddenly I was mandated to make payments again starting this month. When I called for further clarification on XX/XX/2019, the customer service representative informed me that my paid ahead status was canceled PER MY REQUEST. I assured her that I had not made that request ; in fact, I had not spoken to anyone at fedloan in months. The representative shared with me that the important information that should have been documented in my account, such as the identification number of the representative who made such change, was missing. This is alarming to me, that someone at fedloan made changes to my account WITHOUT MY CONSENT. This is the reason for my complaint. 
The representative did submit a request to reinstate my paid ahead status ; however, this will take time to process. In the interim, I have to make the mandated payments for XXXX, and possibly XXXX, and my plan to have 3 loans completely paid off by spring is no more. I am angrier, however, that someone at fedloan made changes to my account WITHOUT MY CONSENT.
Product: Vehicle loan or lease

I was hospitalized with a severe case of XXXX with resulted in me being in a XXXX. During this time I lost my new job and absolutely had no money. During this time capital one has reported me late on my credit report and am not willing to assist me. They want me to make a payment plan but this will still result in me being reported negatively, and no help with deferment of my past due charges.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV and XXXX XXXX XXXX XXXX has failed to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account # XXXX was deleted from XXXX on XX/XX/2022 and then reinserted on the credit report on XXXX XXXX which violates FCRA 15 usc 1681i - reinsertion after deleted materials.

( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

This also violates FCRA 15 usc 1681 ( b ) once the account was deleted from my file, the information may NOT be reinserted in the file unless it was certified complete and accurate, which is not due to the many inaccuracies of the verified date, date reported, date opened and last payments.

Lastly, it violates FCRA 15 USC 1681 ( ii ) Notice to consumer.

If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I was never notified of the reinsertion in writing within 5 business days of the reinsertion and I never authorized this to take place. I have contacted the Attorney General 's OfficeXXXX XXXX and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

I am demanding that this debt be entirely removed from all three credit bureaus or I will be seeking statutory damages as XXXX willfully violated its obligations under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently paid off an automobile loan early. TransUnion lowered my credit score XXXX point for my loan being closed. 

I would like to remove TransUnion from ever being involved in my credit reports again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$300.00} ), XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$10000.00} ), XXXX XXXX XXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$260.00} ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$520.00} ), XXXXXXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$200.00} )XXXX XXXX XXXXXXXX XXXX  ( Account Number XXXX, Date Opened XX/XX/XXXX, High Balance {$440.00} ), XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, High Balance {$340.00} ), XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX, Open Date XX/XX/XXXX, Highest Balance : {$5000.00} ), XXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, High Balance {$450.00} ), XXXX XXXX XXXX XXXXXXXX ( XXXX, Open Date XX/XX/XXXX, Highest Balance : {$5000.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the Correction Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance Owed : {$6600.00XXXX XXXX XXXXXXXX Balance Owed : {$4400.00} XXXX XXXX Balance Owed : {$6600.00}