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

Equifax is violating the law by reporting medical collections that are less than $ {$500.00} by a collection agency they previously removed this item from my report. Also the information violates my health protection information. I have disputed this several times it was previously removed and now its showing back on my credit report. I would like the mall to be in in forced and have these collection accounts remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax to clean up incorrect information on my credit file and to have them update the credit score which is more than 150 points less than the other bureaus. When I called I provided them my full name, social security number, date of birth and address. Then they wanted to verify other information on my report. So, I gave them the auto loans, credit cards and student loans that I have open. They then asked me to give them the same information for accounts from the past. I have not had any of these type accounts for over 10 years and I do not remember the names of mortgagers or finance companies I had products with. After spending all this time answering their questions ( 15 minutes ) they then say they can't help me because they can't verify the answers I provided! This is the third time in the last two years they have done this. The end result is I can not correct the bad credit rating they have on my account because they are using information that is likely wrong to determine if I am who I say I am. I need a remedy so that the appropriate changes can be made to the credit record they have with my name on it. Thank you
Product: Mortgage

XX/XX/20 paid XX/XX/20 statement of {$390.00} ( total remaining balance on account ) in full which was cashed by Mr. Cooper XX/XX/20 XX/XX/20 received XX/XX/20 statement of {$2500.00} including a late fee of {$100.00} XX/XX/20 tried to send several messages through Mr. Cooper website which would not go through. 
XX/XX/20 received check from Mr. Cooper for {$390.00} with no explanation, nothing. 
XX/XX/20 promptly returned Mr. Cooper check of {$390.00} to Mr. Cooper and asked for an explanation of what was going on with statements, payments, late charges, etc. 
XX/XX/20 finally got a response from Mr. Cooper, {$390.00} payment wasnt the full amount owed HOW WAS I TO KNOW?????? They will send a payoff statement. 
WHAT A SCAM HOW CAN SOMEONE PAY SOMETHING THEY DONT KNOW THEY OWE?? 
HOW CAN SOMEONE BE CHARGED A LATE FEE FOR A BILL THEYVE NOT RECEIVED?? THIS SOUNDS TOTALLY FISHY TO ME. 
XX/XX/20 received payoff quote from Mr. Cooper, which included the {$390.00} amount ( less {$.00} ) already paid and the {$100.00} late fee THIS IS NOT CORRECT NOR IS IT RIGHT HOW DOES A COMPANY EXPLAIN CHARGING YOU TWICE AND THEN CUTTING YOU A CHECK FOR YOUR PAYMENT SO THEY CAN CHARGE A LATE FEE??? 
XX/XX/20 received letter that loan is now in default. 
XX/XX/20 sent wire transfer per mr. cooper instructions for full amount of quote. See attached XX/XX/20 received NEW quote dated XX/XX/20 and good until XX/XX/20 ( the date I received ) with an additional late fee. See attached. 
Sure sounds like a scam to me delay correspondence and continue to add on charges. Sounds like Im back to where I started in XXXX have paid the {$390.00} twice and now owe over {$200.00}. In late fees. And that doesnt even count the credit implications. This is CRIMINAL.
Product: Credit card or prepaid card

Citigroup denied me a Citi Double Cash card and mailed me a denial for the Citi custom cash card to further prove their incompetence. I tried for 15 years to get this card and now they are mocking me in a denial. What a disgrace of a company
Product: Mortgage

I applied for a loan with Embrace Home Loans. I paid for an appraisal during the loan process. After several months without hearing from anyone I received a turn down notice. I attempted to call Embrace but the person I had been working with never returned any of my calls. I applied with another company and was approved but they need to have an appraisal done as well. I was advised I could transfer the previous loan but Embrace would have to participate in making that transfer. Unfortunately after numerous calls they will not even return my calls so I may get access to an appraisal I paid for. Transferring the appraisal simply required an email on their behalf.
Product: Debt collection

On XX/XX/2022, a collection account was reported to XXXX, and subsequently to XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. The account is under TRANSWORLD SYS INCXXXX for the amount of {$280.00}. This account was opened on XX/XX/2022. 

This account was not familiar so I initiated a dispute with XXXX on XX/XX/XXXX. I had never received any communication from Transworld and had no idea what this amount is for. The XXXX  account information shows XXXX XXXX XXXX XXXX as the Original Creditor. On XX/XX/2022, I reached out to XXXX XXXX XXXX ( aka Dignity Health ) and they can not provide any confirmation of this debt. They suggested contacting the company they use for billing, XXXX. XXXX did not provide any information on this either. They sent me back to original creditor. They suggested contacting Transworld. When I called Transworld, they claim that they do not report to credit bureaus and the original creditor does so. 

I asked them why they have reported such a small amount to credit bureaus only after a month of opening the account and without sending me any notifications. They claimed they have sent a letter on XX/XX/2022. I have not received such letter. But even if the letter was lost in mail, shouldn't they have provided me with a reasonable opportunity, communication, and timeframe to settle the amount with them before reporting it as non-payment? This is all assuming that the {$280.00} bill is a valid bill and not an attempt by either XXXX XXXX, XXXX, and/or Transworld to steal my money. The fact that they keep ping-ponging me back and forth is another issue that needs to be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX XXXX account listed twice on my credit file and it should only be listed once. I have tried to fix this on several occasions but XXXX and TransUnion are not doing their due diligence and actually look at what they are listing. It's the same exact open date, high credit, report date, sold to company EVERYTHING. The account needs to be removed. This is absolutely insane.
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 XXXX XXXX : Account Number : 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 has violated my rights. Or 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX opened XX/XX/year> is showing as closed and the account is open and in good standing, also the balance is incorrect on all reports and also not showing on XXXX. information on terms is missing from XXXX and transunion also payment amount is missing and comments are incorrect on experian and transunion comments are missing
Product: Checking or savings account

On XX/XX/XXXX, Wells Fargo closed my account because I have a XXXX  mailing address. We XXXX XXXX XXXX XXXX, everyone here has a XXXX XXXX XXXX. This was without warning They then said, the check was mailed to an old address, I hadnt lived at in years. 

So they knew I had a new address, closed my account because of it, then supposedly sent the check to my old address anyways It was never cashed. I needed them to cancel it, signed a Declaration letter, had it notarized by Wells Fargo, waited the 90 days they said it would take to make sure no one cashed the old one, and they never sent the new one. I cant get in touch with the office that handles the writing of the checks, since they dont take phone calls, that is a quote from them I dont know what to do? 
Please help
Product: Debt collection

Dear XXXX : I am writing to you to request that you remove the following unauthorized account from my credit report : Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX FL ) Account Number : XXXX Amount : {$3200.00} Attached is a copy of the FTC Report I submitted for these fraudulent accounts. I have also sent this report directly to the creditor disputing their reporting. 

I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. 

My contact information is provided below, and I have included proof of my social security and current address to avoid any delays in your response time. 

Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX Social Security Number : XXXX Date of Birth : XX/XX/1991 Birth City : XXXX, Tennessee I look forward to receiving an updated copy of my credit report reflecting the above correction. 

Thanking you in advance. 

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

In XX/XX/XXXX, I received an alert that ( 11 ) delinquent US Dept of Education accounts were added to my consumer report. These accounts were previously removed by TransUnion in XXXX due to being re-aged by the original creditor Navient ( CFPB Complaint # XXXX attached ). Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) of the Fair Credit Reporting Act, TransUnion was obligated to notify me, in writing, no more than ( 5 ) business days after re-inserting these accounts onto my credit report ( this did not happen ). TransUnion received a credit dispute from me on XX/XX/XXXX, regarding the matter and other discrepancies found on my consumer report. ( credit dispute letter and certified mail receipt attached ). 

TransUnion failed to investigate the issue and did not respond to my credit dispute. In XX/XX/XXXX, I contacted TransUnion by phone, on a recorded line, and spoke with a supervisor who confirmed that my dispute results were never mailed out. I filed a complaint with the CFPB on XX/XX/XXXX ( complaint # XXXX attached ) regarding TransUnion 's nonresponse. On XX/XX/XXXX, TransUnion responded to the complaint stating, " We have removed the identified items from your TransUnion credit report. '' They also informed me that I would receive an updated credit report within 7 business days.

It's been ( 15 ) business days and I have yet to receive an updated credit report showing the items they claimed to have deleted. I did not receive an alert from my credit monitoring services that these accounts were ever removed so I pulled my credit report ( 10 ) business days after the complaint ( XX/XX/XXXX credit report attached ). TransUnion was still reporting these accounts. As of today, XX/XX/XXXX, all ( 11 ) US Dept of Education accounts and the XXXX XXXX late payment continues to report ( today 's credit report attached ). TransUnion lied to the CFPB and myself, regarding the " relief '' they offered in complaint # XXXX. And due to their falsehoods, this month I was denied business credit and my credit score dropped XXXX points. In court, this could be seen as willful noncompliance and I now have punitive damages. I am filing this complaint to find out why TransUnion did not delete the items they told us they had already deleted on XX/XX/XXXX ( complaint # XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 i filed an identity theft report with the ftc because I am a victim of identity theft. my information is in the wrong hands and my information was compramised by the XXXX  data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like the trade line from XXXX XXXX XXXX to be deleted as it has been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure how this works but I have defiantly got some bad infomation on my credit report. I do not recall having any of the following account on my credit report. I have never even heard of these companies : XXXX  XXXX  # XXXX XXXX  XXXX XXXX # XXXX**** XXXX XXXX XXXX # XXXX**** XXXX XXXX  # XXXX XXXX   XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX I would like to request that they send me a full account/application etc so I can go over theses accounts and get to the bottom of this.
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 confidentially under 15 USC 1681. 

XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, CP XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, 15 USC 1681 section 602 A States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information, other than records of convictions of crimes with antedates the report by more than seven years.

15 USC 1681 s-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: Debt collection

This company, Credit Control , LLC is threatening potential legal action about an alleged debt that, according to their company is not even subject to collection in a court of law because the alleged debt is allegedly past legal collection dates I have never had any dealing with or any contracts with Credit Control , LLC and I want them to please cease and desist all calls and any contact with me immediately Reference number # XXXX I do not recognize any alleged debt this company, that I never had any dealing with, is communicating with me about They have called and sent letters, I do not want this company to contact me ever again
Product: Credit card

I used an XXXX XXXX XXXX account card to purchase items. I updated my address but it was several months before I received a bill. They told me they waived the fees associated with that but it was a lie. I made arrangements to pay half of the balance off with an associate over the phone and he didn't put my request in resulting in a late fee. That call was reviewed by a manager and corroborated that they made a mistake. They still assessed late fees against me. I made an arrangement last week for the XXXX of XXXX to pay the entire balance off WITH THE LATE FEES INCLUDED, and they haven't processed the payment, today is the XXXX. I believe they intend to charge me the interest balance instead of the 0 %.
Product: Checking or savings account

ON XX/XX/2018 REPORTED FRAUDULENT CLAIMS TO BANK OF AMERICA AFTER REVIEWING MY STATEMENTS BACK A YEAR AND 13 OF THEM WERE NOT PAID, SUM OF AMOUNT NOT PAID IS $ XXXX.FILED FRAUD REPORT FOR ALL CLAIMS AND WAS NOTIFIED BY EMAIL.SEVERAL NEW CARDS WERE ISSUED TO ME BECAUSE I LOST MY WALLET OR CARDS WERE REPORTED LOST. 
I AM A XXXX PERSON ON SOCIAL SECURITY XXXX AND I DO NOT APPRECIATE MY SAVINGS BEING STOLEN FROM ME!! ALL CLAIM NUMBERS ARE LISTED ON UPLOADED LETTER WITH RESPECTED AMOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Transunion credit report and noticed inquires by XXXX XXXX XXXX that I didn't authorized. I've never done business with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Sc XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Dear Sir/Madam, I am writing to bring to your attention the issue I have been facing with XXXX XXXX regarding the incorrect and old information on my credit report. Despite my numerous attempts to have the wrong addresses and names removed from my credit report, XXXX XXXX has consistently refused to do so. 

I have been a victim of potential identity theft, and as a result, my credit report has been affected. I have contacted XXXX XXXX, Equifax, and XXXX times to have the incorrect information removed, but to no avail. I have provided them with the correct information and proof of my identity, but they have failed to take any action. 

To make matters worse, my Social Security number is on the Dark Web, which makes it easy for someone else to run my credit. My credit report has over 33 old addresses, misspelled names and phone numbers still on it, which are known to be on the dark web. This is a serious security risk, and I am extremely concerned about the potential for further identity theft. 

I am extremely frustrated with XXXX XXXX 's lack of action and their unwillingness to correct the errors on my credit report. This has caused me a great deal of stress and has negatively impacted my credit score. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against XXXX XXXX. I believe that they are in violation of the Fair Credit Reporting Act, and I would like to see them held accountable for their actions. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number: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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable XXXX and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont remember do inquiries for XXXX on XX/XX/2018
Product: Credit card or prepaid card

My 3 credit cards from CITI bank were abruptly closed on XX/XX/XXXX. I  have contacted CITI to inquire about the reason for the closure. However CITI hasn't provided any reason. In addition to the closure, CITI has also forfeited more than XXXX Thankyou points I have earned over past 5 years. And again CITI hasn't provided any reason and refused to retract the decision for the forfeit.
Product: Credit reporting or other personal consumer reports

In accordance with the XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 then records of convictions of crimes which antedates the report by more then 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: Student loan

Good afternoon, this will be my XXXX complaint against one of the most dishonest and untrustworthy companies I have ever dealt with, NAVIENT. I am a XXXX United States XXXX and a single father of XXXX children. Due to my divorce I filed for chapter XXXX bankruptcy on XXXX XXXX XXXX and was XXXX in XXXX of XXXX. I forebeared/deferred all of my federal student loans with no issues including the federal student loans serviced by Navient. The issue I am having is that in XXXX of XXXX I received a letter from Navients collections department stating that the Private student loan that I have through them is currently in default. I was completely unaware that I even had a private loan from them, when I enrolled at XXXX XXXX XXXX in XXXX I requested only federal loans and not to involve me in any kind of private student loan. The original balance was XXXX dollars give or take and is now over XXXX dollars. They never offered me any kind of help or rate reduction while on XXXX XXXX as my federal loans have. I am completely fed up with dealing with this company, on XXXX XXXX XXXX I submitted a complaint and it was referred to XXXX of their so called customer advocates I did not receive any kind of response to the complaint until XXXX XXXX XXXX. They responded only after I was forced to agree to their payment terms to avoid them garnishing my wages. I am dissatisfied with their customer service I was spoken to by their representatives rudely and disrespectfully as if I were a XXXX XXXX XXXX, I wouldnt talk to my dog the way they spoke to me. I never received any kind of correspondence or any kind of notification that my loan was in default until I received the default letter from their XXXX department. I have been making payments for XXXX months now and they refuse to reflect those payments on my credit report. I have lost XXXX home loans because of this dishonest behavior by them. If I had known ahead of time that the loan was behind I would have dealt with it before it got to this point. I also would like to know how I can be held responsible for a loan of which the promissory note does not have my signature on it. I requested a copy of the promissory note that has my signature on it and what I received was a promissory note with my name written in regular hand writing not my signature. I do have examples of my signature from that time period. CBFP I would like to know if there is anything you can do to help me out or if I am going to have to refer this issue to an attorney? How is their behavior legal? I will also be submitting this complaint to the XXXX XXXX, the better business bureau and anyone else that can do something.