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

Hi I am submitting this XXXX 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 XXXX. 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 us 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n 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 XXXX XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card or prepaid card

In XXXX of XXXX, I opened a credit card with Capital One. I never received any documentation in the mail, I paid {$100.00} on time and they charged me a late fee. Today XX/XX/XXXX, I spent roughly 30 minutes getting that " late fee waived '' I was not late on the payment. They are now keeping the {$25.00} for 3-5 days to post into account and it shows up as a missed payment. 

It gets worse : XX/XX/XXXX CASH ADVANCE FEE OtherXXXX XXXX ... XXXX {$10.00} XX/XX/XXXX INTEREST CHARGE : CASH ADVANCES Interest ChargeXXXX XXXX ... XXXX {$0.00} I never used any cash advance or took cash out on the card. I paid a company {$53.00} and they are telling me the {$10.00} is from that. So they are stealing {$10.00} now with interest. 

The supervisor I spoke with XXXX XXXX ( employee id ) refused to provide me with any information on how to file a written complaint. I signed up for this credit card to re-establish my credit. The way they are behaving is extremely predatory. I have a XXXX {$10.00} plus interest is a lot of money to me to just have stolen by a big credit card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries currently listed on my Experian credit report is all fraudulent, unauthorized, and not my hard inquiries : XXXX XXXX XXXX, XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/2023 and XXXXXXXX XXXX, XX/XX/2023 XXXX
Product: Credit reporting or other personal consumer reports

Im fed up and stressed out. Im sick and tired of seeing wrong information on my report. I will not put up with seeing incorrect personal info that is causing issues on my reports any longer.
Product: Credit card or prepaid card

A NEW COMPLAINT! 
American Express keeps pulling the same unprofessional mess by holding my money that is credit back to my account. They keep my money tied up unnecessarily for ten days or more. They are holding {$510.00} and {$120.00} when it was credit back to my account. The employees talked revolting and show they are power hungry. The manager said to me ; she didn't care if I filed a complaint through theF.T.C. American Express talks down to consumers. This company has a high disregard for XXXX and Veterans. If a company is giving a XXXX Vet a hard time, imagine what they are doing to the regular consumers. They are robbing others and me. They must be shut down or locked up. Are they too big to fail?
Product: Consumer Loan

XXXX/XXXX/2016 With all the financial and credit concerns going on with the XXXX XXXX situation, I wanted to ask ... Is it legal for a lending company to report the terms of your agreement different from what you sighed? 

I have an Auto loan with PNC Bank and per our " Direct Installment Loan Disclosure and Note Agreement '' here are the following terms .... 

XXXX Number of Payments : 36 XXXX Amount of Payments : {$370.00} XXXX When Payments Are Due : Monthly, beginning XX/XX/2016 I have found out that all three credit reporting agencies XXXX, XXXX and XXXX, are reporting that my repayments terms are for 38 months instead of 36. Thiscalculation worksout to bea differentsof {$750.00} more when you use that number. 

When PNC Bank contacted me by mailoffering to refinance my auto, one of the main selling points was that they allow you to chose from 30 to 90 days before your first payment isdue, I choose the 90 days. 

I signed the Agreement in the XXXX Virginia location on XX/XX/2016 and thefirst payment isdue on XX/XX/2016, around 90 days. 

They are telling me since the funds where available onthe date I signed, they have a right to report38 months instead of 36. 

I was in the process of doing aDebt consolidation loan, when this was brought to my attention. They are saying that they will have to add the $ XXXXdifferents of 2 monthsin order to do a pay off for my auto since PNC Bank is reporting 38 months as the terms of repayment. 

On XX/XX/2016 I called PNC Bank, the person I spoke with concerning this matter is Name XXXX XXXX in the Escalation Department of PNC Bank XXXX. He acknowledge that the contract I signed was for a repayment term of 36 months, but that they have a right to report 38 months instead of 36 months. He refused to transfer me to his supervisor or anyone in the so called " Back Office People Dept '' and that he was the manager and there was no one else I could speak to concerning this matter. 

I want to thank you in advance for taking the time to read and review this compliant. 

Thank You XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

FCRA violations Not my credit card XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2500.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$6400.00} Status Account charged off. {$6400.00} written off. {$6400.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$13000.00} Status Account charged off/Never late. {$13000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
never lived here XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Resident type Single family not my phone number ( XXXX ) XXXX Residential ( XXXX ) XXXX Residential ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I used XXXX and {$370.00} was sent to the wrong person on or around XX/XX/year>. The bank at the time ( Suntrust ) wouldn't correct or investigate the issue.
Product: Credit card

I have had my Citibank Mastercard for over 5 years and have a 95 % on time payment history. Unfortunately, last month I made a payment for {$46.00} which I thought was posted and then became XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, so I was out of commission for almost XXXX weeks. When I logged into my account, I saw that the payment was returned, and my account closed. I assumed this was an error since I have had no major issues with my Citibank account. 

On XX/XX/year> at XXXX I called Citibank customer service and spoke to a representative named XXXX who said no one can help me until I receive the letter and then call back. Today is XX/XX/year> and I have received no letter even though my new statement asks for a min balance by XX/XX/year> and shows no indication that the account is closed. 

I am requesting a one-time forgiveness for this return which has never occurred on this account before. I would also request to have my account reopened and the continued opportunity to rebuild my credit, which is essential in a society solely driven by credit scores. 

Thanks XXXX XXXX
Product: Credit reporting

Experian continues to report information for collection agency that i submitted several disputes for. XXXX Collection Agency is reporting a debt that 's is not mine. Its an apt complex i never broke the lease. There was fire and as you can see on the attached information that was sent to both Experian and XXXX XXXX was not my fault. It clearly states undetermined and Apt complex continue to say is my fault because they do n't want to use their insurance company. I also spoke with their district Mgr XXXX XXXX. he was aware of the situation. Please have this information remove as i 'm trying to purchase a home. Thank you.
Product: Debt collection

Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX RE : Account # XXXX XXXX XXXX XXXX Portfolio Recovery, a debt collector, has reported a debt maintained under my Social Security number to XXXX  and XXXX, credit reporting agencies. Portfolio Recovery has failed to validate this debt.

The South Carolina Statute of Limitations is three years. Portfolio Recovery states they purchased this debt on XX/XX/2017. 
I enclosed copies of my requests to Portfolio Recovery, asking them to validate my debt, ( Fair Debt Collection Practices Act Sec. 1692g. - Validation of debts ) and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. No listings for {$1600.00} from XXXX XXXX or XXXX XXXX are recorded on any of the three credit reporting agencies. I challenged the accuracy, compliance, and report ability of this listing. 

I also sent XXXX  and XXXX  asking them to validate this debt. No information was provided back to me from XXXX or XXXX  that validates this information and provided me no documentation associated with this account, bearing my signature or any such documentation. 

FTC opinion letter on validation Section 809 ( a ) of the FDCPA, 15 U.S.C. 1692g ( a ), As per Attorney XXXX XXXX XXXX Division of Credit Practices, This letter says it all - a printout is NOT sufficient evidence of a debt and the burden of proof is on the collector.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX I have had Identity theft that was in my hone by a boarder, this account with XXXX  XXXX XXXX  does not belong to me ( {$640.00} ) Open balance my name was cleared by the courts of my respective county through appropriate local police and federal investigation finger printing process. 

same thing with account with the followings : XXXX XXXX  case # : XXXX XXXX  Customer # : XXXX XXXX  of an amount of {$350.00}
Product: Credit reporting or other personal consumer reports

Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX SSN # XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Hi to whom this matter may concern. I recently pulled my credit report and discovered some errors reporting on my credit report. 

Please DELETE the following accounts listed below immediately. 

Ive included my experian credit report as reference. 

Please see attached credit report. 

The following accounts listed below are all in error. 

Please Delete charge/off XXXX XXXXXXXX because it is a closed account reflecting a balance of {$2900.00}. 
Please Delete collection account XXXX XXXX because it is a reaged collection account. Reaged. XX/XX/XXXX. 


As you know, the The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 

I really look forward to seeing that this matter be handled amicably. 

Thanks! 

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

XXXX XXXX has furnished an incorrect account balance on XXXX of {$16000.00} on my XXXX Credit Report and a Account Balance has been furnished to my XXXX Credit Report of {$16000.00} on XX/XX/2022, Both from XXXX XXXX XXXX XXXX I also has sent this company a Cease and Desist which they have also ignored and violated my consumer rights and continue to used these deceptive practices. Im just putting your company on notice that you all are liable under federal laws to investigate and report each complaint. 

Violations Unfair practices 15 USC 1692 15 U.S. Code 1692c - ( c ) Ceasing communication
Product: Credit reporting or other personal consumer reports

On my credit record is an erroneous foreclosure for a loan that does NOT belong to me. My deceased mother took out a mortgage with a lender and after her death the paper was sold on that loan. While her estate was in litigation, I contacted the mortgage company advising them of her death and that the estate was in litigation. While going through the legal system, I told the mortgage company that I would have pay on the loan rather than allow it to go into foreclosure. Although I was under NO legal obligation to do so, I continued to pay on the loan. After XXXX of litigation with no resolution in sight, I could no longer justify paying on my mother 's loan. I notified the mortgage company that I would no longer make payments on the loan and foreclosure steps were initiated by the mortgage company. The estate was finally settled 3 years after her death when a buyer for the property was secured paying off the loan avoiding a foreclosure sheriff 's sale. My mother 's executor handled that transaction but my name was used to file a negative report with all of the credit bureaus. I have tried every avenue to have this negative report removed from my credit and all have failed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX FAILED TO RE-INSERT MY ACCOUNT BACK INTO XXXX CREDIT FILES IN VIOLATION OF F.C.R.A. 15 U.S.C. SECTION 1681g and CREDIT FURINSHING LAWS.
Product: Mortgage

I am trying to get out of forbearance and no one at Pennymac is able to take me out of forbearance. I am unable to refinance my house do to this problem. Pennymac has frozen my account so that I cant perform anything on my account.
Product: Debt collection

I had a credit card through HSBC. I was paying on it, then I was taken off of work because of a XXXX in car accident. I had XXXX, then they found other injuries and medical problems. I have since tried to get back on my feet but still have problems. I have since tried to pay and in the last 2 months have paid well over {$100.00} toward this debt, receiving letters back from the collection agency thanking me for my payment.Copies of these letters are enclosed. 

I have continually asked for the summons I was served with to be dropped because it would ruin my credit and I had made honest attempts to pay. I was ignored. I have a lot of comprehension problems. Because of this, the company has my permission to also communicate with my parents with this debt. But I preferred to do all of this by writing so we can have the information in writing. 

The letters I have got thanking me for my payments have mentioned in the left corner " HSBC '' company, yet I am told they no longer have this account. 

I have been making several attempts to pay my debt.Again, I have been ignored and was now served with a judgement that has now ruined my credit.
Product: Debt collection

LVNV FUNDING LLC Last reported XX/XX/XXXX {$380.00} Open balance LVNV FUNDING LLC Original creditor Opened Account status Type Responsibility XX/XX/XXXX ( 5 yrs, 11 mos ) Open Remarks Original creditor name Individual Placed for collection Placed for collection LVNV FUNDING LLC
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to resolve this issue with you over 1 year and you failed to remove the Fraud item XXXX XXXX XXXX off my Experian Consumer report. I am a Victim of Identity Theft and provided you with all the proof of the account not authorized by me to be opened and you still have not yet blocked or removed the entire account. The other two Credit Reporting Agencies, XXXX  and XXXX  did their job and removed this item off my credit reports immediately. It is only your reporting agency that has neglected my dispute. Please have this account blocked/removed off my Experian consumer credit report immediately or I will take legal action.
Product: Checking or savings account

Hello, I am XXXX XXXX. Usaa members # XXXX the reason for me emailing you is to see why USAA savings bank blocked me from all usaa products when I sent in all the information that was asked of me back in 2016 when my account # XXXX was hit with fraud activities. And now after three years, the bank is finally sending me back part of my money that they now see that I didn't commit any fraud?
Product: Mortgage

I am in a Chapter XXXX repayment plan. My mortgage was sold in XXXX from XXXX to GreenTree.I received an escrow adjustment letter from GreenTree stating I have a {$2600.00} shortage in escrow and my payment will go up {$170.00} per month if I do not pay them the shortage. I called and asked what bill increased as I had checked with my Insurance and taxes. They stated that they require a " cushion '' of {$3900.00} in escrow and if I did not pay it then my payment will go up. It was not my choice to be transferred to GreenTree, I do not have {$2600.00} to pay and I can not afford another {$170.00} a month simply to cushion the account. If I pay the {$2600.00}, my payment will drop to {$1300.00}, this is {$50.00} less than what I pay now. I asked how much I can pay to just stay the same an they said that is not an option. I feel like this is blackmail. In this scenario, EVERY mortgage transferred to GreenTree will have to pay a huge fee or suffer a big jump in mortgage payment. It was not my choice to be transferred. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB to enforce the correction and or deletion of these items failure to do so I will file litigation against your company for furnishing a false account on my report. This is exactly why these companies are being sued lack of protection to the consumer credit profile. 

Account XXXX  XXXX different account numbers Account # : XXXX XXXX XXXX XXXX different balances {$1000.00} {$590.00} Date Opened three different dates/ years apart XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded15 U.S.C. 1681-1681x As well as 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

please see attached proof
Product: Vehicle loan or lease

To : CEO/CFO/LEGAL DEPARTMENT AT SANTANDER CONSUMER USA , I XXXX XXXX XXXX come to you in Good Faith and Honor to get resolution on application ID No : XXXX. On your responded to ref.case # XXXX you said that wasn't denied of credit. That their was two applications where credit was approved and condition. So If I got approved for extension of my credit, but you said their is condition to it. If you can tell me where in the Law said that for exercising my right to Extension of my own credit their is conditions? Where in the Law said that money Down for Extension of someone own credit on a " Consumer Credit Transaction '' is need it and is not part of the whole sum in a " Finance Charge ''? Where in the Law said that their is Limit to grant credit in the Amount on term Requested for extension of consumer credit? Unless you can show me on the Law that I'm wrong and your right on subject matter, you false and misleading on responding to reference case # XXXX, Willfully and Knowingly under 15 u.s.c. section 1611 is a violation and Criminal Liability because is Public Information. Under " TILA '' " FCRA '' " FECOA '' ACTS 15 u.s.c. section 1691 ( d ) ( 6 ) and 15 u.s.c. section 1681 ( k ) ( 1 ) is illegal to denied, revocated or refused to grant Credit in the Amount requested or negative change in connection with a consumer credit transaction. Under 15 u.s.c. section 1681o : Civil Liability for Negligent noncompliance.
Product: Credit reporting

ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section.    I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.   If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.   To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.   1. XXXX   XXXX   XXXX  #  XXXX  2. XXXX  #  XXXX  3. XXXX  #  XXXX  4. XXXX    XXXX   XXXX   #  XXXX  5.  XXXX   XXXX   XXXX   #  XXXX  6.  XXXX   XXXX   XXXX   #  XXXX