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

XX/XX/22 at XXXXXXXX XXXX  I received a text alert from Transunion stating that a company asked for my credit report and they instructed me to long on to see if it was authorized by me. I logged on and the company was XXXX XXXX XXXX, which Ive never heard of, dont have an account with them, never applied or gave permission for them to check my credit. Transunion was closed so I had to wait until Monday, XX/XX/22 to contact them. I called the number shown on my report for XXXX XXXX XXXX on XX/XX/22 but they were closed. 
XX/XX/22 I contacted XXXX XXXX XXXX, spoke to XXXX. He checked and verified that I had not have any affiliation with their company. He then put me on very long holds several times to check why there was an inquiry. After being asked to hold a 3rd or 4th time I asked for a callback. XXXX called later that afternoon and told me that it was XXXX XXXX who provided them with my information and to contact XXXX XXXX. I contacted XXXX XXXX and was told they cant take it off. Contact the credit bureau or XXXX XXXX XXXX. I have contacted Transunion 3 times about this and all of the companies involved but everyone keeps passing the Buck. 
XX/XX/22 called Transunion again, they told me to get a deletion letter from XXXX XXXX XXXX. I again advised them that I have contacted XXXX XXXX  XXXX, they verified that I have no affiliation with them current, past or present and that they could not remove the hard inquiry. 
They referred me back to XXXX XXXX  and Credit Bureau. I have spent the better of 5 days trying to track down, investigate and resolve this matter that has impacted my credit without a resolution. How are these companies allowed to do this? I understand that companies do soft inquiries, most of which I dont recognize or authorize, for marketing purposes. The soft inquiries dont impact my credit but the hard inquiries that I dont authorize do. Please help!
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accountson my report.Please remove these account from my report, they are hurting my ability to obtain credit.
Product: Student loan

I have {$160000.00} in private student loans with Navient. In XXXX of XXXX, I worked with Navient to agree upon a rate for repayment of my student loans that was realistic for me and my income. I make {$2400.00} per month, and Navient agreed that I could pay {$690.00} a month towards my balance. I made these payments on time every month. 

In XX/XX/XXXX, my payment amount jumped to {$1400.00} a month. Since then, I have called Navient every month to determine why the payment went up so much and try to work out a solution. They have told me that my loans no longer qualify for the program I was on. I have told them countless times that I absolutely can not afford to spend 60 % of my income on these payments, and they have told me again and again that there is nothing they can do. They refuse to work with me to get me a payment that I can afford. If I continue with these payments, I will not only deplete any savings I have, but I will likely not be able to make the payments within the next several months and will be forced to default on these loans. I have tried to refinance my loans and have been denied by every provider because of my debt to income ratio. It's a vicious cycle that I can not get out of.
Product: Consumer Loan

On XX/XX/XXXX I called Chase Auto Finance to make that current month payment and schedule the next months payment for XX/XX/XXXX. On XX/XX/XXXX I was alerted by a credit monitoring service that my payment was, in fact, not posted and I suddenly experienced a XXXX point drop in my credit report. Chase made zero attempt to contacy me during this period to alert me to a mistake. ( Which was theirs! ) History is a teacher, I have ZERO 30 day late payments in my report. I called on XX/XX/XXXX and was treated abusively by a customer service representive. I was told there was NO record of my conversation and I must be in " financial trouble '' He was extraordinarily abrasive and rude. I called again on XX/XX/XXXX and spoke to agents XXXX and XXXX ( ID # XXXX and XXXX respectively ) and was again told there was no record of my call. I am applying for a mortage in the next 60 days and this misstep in THEIR technology are going to cost me the ability to buy a home. I am asking for a full review of this and an adjustment to my credit report IMMEDIATELY. I am in an unfair fight as I have to just take thier word that their technology is perfect and without fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed one of the accounts on my credit ( XXXX ) but they went and disputed the wrong account XXXX XXXXXXXX XXXX XXXX. Now my credit reporting is not showing my XXXX XXXX  credit card, my balance, my payment history or anything else about the account. I contacted them and told them about this but my credit reporting it still not showing any information about my XXXX XXXX  credit card. The account shows correctly on other credit bureaus
Product: Credit card or prepaid card

An American Express credit card was taken out in my name. 71 % the the total value was used on a {$1000.00} limit credit card. 
The account was opened XX/XX/XXXX The account was closed XX/XX/XXXX XXXX
Product: Bank account or service

Banks are charging " overdraft fees '' for transactions when using your debit card. the problem is that when opening an account they do n't disclosed the consumer that there is a charge of {$35.00} per transaction causing consumer to pay a large amount. In my case there was approximately XXXX charged to me and the bank is refusing to return. I went to multiple branch and I was told that is nothing that they can do. The policy should be for both agreeable by both consumers and bank. I was hardly using these particular account and was under the impression that I have money in since I am depositing XXXX every paycheck. Also, they send me a new card that according to the branch manager said that the card is linked to pull money from all accounts including my minor account and when I ask she does not know why it was set up like that. then to another bank in which the staff including the manager were very unprofessional and rule, I was literally begging for the money and the bank does did not care
Product: Debt collection

NCB XXXX XXXX XXXX XXXX, XXXX regards to your recent communication regarding the debt claimed that I owe for a car loan associated with account number XXXX. After reviewing the information, I believe that this debt may be time-barred under Florida law XXXX 
According to my records, the last payment I made on this debt was in XX/XX/year>. As you may be aware, Florida has a statute of limitations of XXXX years for written contracts, including car loans. 
Given the time that has passed since the last payment, this debt may no longer be legally enforceable in court. 
Please provide verification of the following : XXXX. The date of the last payment made on the account. 
XXXX. The date the account was first considered delinquent. 
XXXX. Whether the statute of limitations has expired for this debt under Florida law. 
If this debt is time-barred, I am formally requesting that you cease all collection activities immediately. Any further attempts to collect this debt will be considered a violation of the Fair Debt Collection Practices Act ( FDCPA ), as well as the Florida Consumer Collection Practices Act ( XXXX ). 
Please also note that I dispute the debt as currently presented. In my recent communication, I did not recognize the validity of the dates or the claim, and I would like a full verification of the debt lin question. 
I look forward to receiving the requested information within XXXX days of the date of this letter. I also ask that you update my records accordingly and refrain from any further communication unless it is to provide the requested documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Reference to Complaint XXXX Against TransUnion I wrote to Transunion to investigate my inquiry regarding my credit report and its accuracy back XXXX XXXX XXXX, 2023. According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy, the inquiry must be investigated and either confirmed or deleted within 30 days. See Attachment TransUnion did not respond within 30 days and instead waited until I sent them a Certified letter about 80 days later XX/XX/XXXX demanding deletion when they knew they had No choice but to respond because I now had proof that i had been writing them regarding the investigation of my credit report. 

Now that I have file a complaint with CFBP they are asking for more time to investigate, NO they do NOT GET MORE TIME, they are BREAKNG the LAW? .... XXXX had also not responded within the 30 day timeframe but when I sent the XX/XX/XXXX letter telling them they had not acted within the law and that they Must now delete the items in question, they did. PLease see XXXX screenshots, TransUnion need to do the same. 

I would rather not make this a legal matter and I am once again asking TransUnion to remove the negative items as required by 15 U.S. Code 1681i - Procedure in case of disputed accuracy.
Product: Payday loan, title loan, or personal loan

Synchrony aka Paypal Credit changed its account terms without my or many other consumers ' awareness. I logged into my account to make a payment and noticed my due date had changed from the XXXX to the XXXX and I had a late fee of {$29.00}. After the fact, I became aware the new terms were disclosed on an earlier monthly statement I did not view. Granted an attempt was made to communicate the changes, but the results were poor in that many people were caught off guard and unaware of the changes. 

I resolved my concerns by immediately closing the Paypal Credit account and shortly afterward paying the balance in full. I consider Synchrony to be a predatory lender noticing repeated patterns in accounts they service and present for a variety of retailers. Fortunately, I am financially able to pay off and close the Synchrony accounts to protect my own interest. However, am very concerned for those who are stuck with these types of abuses. Attaching documentation to illustrate.
Product: Credit reporting or other personal consumer reports

My personal data was compromised yet again on the recent XXXX XXXX data breach. Today XX/XX/XXXX I received a credit alert that my credit report was accessed by XXXX XXXX XXXX. I did not authorize this access, the alert was for Experian, XXXX and XXXX. I am requesting that this inquiry be removed from my credit report.
Product: Credit reporting or other personal consumer reports

TransUnion replied to my complaint stating that the account listed as XXXX is validated as accurate but did not provide me with any evidence that they used to validate this account. Since TransUnion did not provide any evidence under FCRA I am now giving notice that I will be enforcing my rights to sue.
Product: Credit card or prepaid card

Credit card company ( Citibank ) refuses to resolve dispute on my behalf for unauthorized charges for services which were cancelled. I provided documentation to Citibank showing I had cancelled the services I was disputing, and they still refused to resolve this dispute.
Product: Credit reporting or other personal consumer reports

After recently looking at my credit report, I have numerous and fraudulent inquiries that does not relate to any credit transactions that I have made. These are inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I filed a Bankruptcy Chapter XXXX, this debt was included as part of the case. On XX/XX/XXXX XXXX filed a Notice of Assignment of Claim and Transferee Notice of Transfer of Payments. From XXXX XXXX XXXX/ XXXX/XXXX/XXXX XXXX XXXX   TO XXXX ( XXXX XXXX XXXX XXXX . A JOINT NOTICE OF TRANSFER OF CLAIM PURSUANT TO FRBP RULE 3001 ( e ) ( 2 ) AND WAIVER OF OPPORTUNITY TO OBJECT was also filed. On XX/XX/XXXX The ORDER OF DISCHARGE was granted to XXXX XXXX and XXXX XXXX. on XX/XX/XXXX and XX/XX/XXXX I started to receive letters demanding payment for this discharged debt. My husband has made a number of calls to them and had our Attorney who handle the BK call and sent them copies of the Assignment and Joint Transfer. We also sent them a copy to which they replied back on XX/XX/XXXX acknowledging that the loan has been paid off with a XXXX balance. Between XX/XX/XXXX and XX/XX/XXXX XXXX sent me a new monthly bill and reported a 30 day late to the credit reporting agencies dropping my score by 65 to 80 points.
Product: Checking or savings account

The online banking Current offered a {$500.00} sign up bonus, that is why I signed up for it. I was on my app XX/XX/22 and put the code in for the {$500.00} and it was accepted. I contacted them that day by email and they asked me where I got it and I am pretty sure it was XXXX because I just screenshot it so I would have it. I sent them both screenshots that I have and they still have not responded back to my email. The 2nd time was in a chat through the app and they said they were not going to honor it. Which I am very upset about because the code was accepted and they should have to honor there words. I counted on this money, thats the whole reason I signed up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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: Prepaid card

I could never sign in my account and then when I did my money got stole ova XXXX $ and more in just fees
Product: Credit reporting or other personal consumer reports

Below is the letter to Experian that has been ignored. The other reporting agencies have already removed it. Experian removed it and then a different collection agency bought and resubmitted it to Experian. They are ] refusing to investigate and email me back in 2 days to tell me they are not investigating it. They were sued last year for incorrect information- seems they are not fixing the problem. I was on hold for then it hangs up on people. 

This account was paid in full to port the number and pay o : the phone. This is not penalty for early disconnection. Attached is a bank statement. And I have already disputed and submitted this information to you once before, it was removed and now its back. Do I have to do this each time. 
I still use the phone, which would have remained locked until I paid XXXX  XXXX XXXX. Call the number on the overdue account XXXX its still my number. It was ported and paid XXXX XXXX 
The account was transferred to XXXX XXXX. I ported the number, which I could not do if I owed money to XXXX  I attached the transfer confirmation with the last four of the number XXXX to prove it was ported to XXXX  Also I attached the bank statement where I made XXXX XXXX  XXXX to port the number and paid XXXX : the phone as well. 
Thank you, XXXX XXXX XXXX
Product: Student loan

I called on multiple occasions to find out what the intrest was. The worker told me that i can find out on their website. I tried to look it up. But I can't. Also I stopped attending prism because of the misleading programs. When I Started we were under the impression I was working towards a XXXX degree, when in fact it's just a certificate. I constantly try to get intouch with someone to help me. I am on a XXXX $ balance payment but my credit keeps going down because of interest. Please help me
Product: Credit reporting

A horrible company keeps trying to put an erroneous debt on my credit report ( XXXX of XXXX, XXXX ). I have disputed with the XXXX AG office, XXXX and XXXX. All have never received value info from this company and deleted the information from my credit report. However, Equifax is not reporting correctly. They show a statement " Consumer disputes this information '' and are showing a " reporting date '' of XXXX!! I cleared this mess up in XX/XX/XXXX! I have no idea why Equifax is not deleting the item which is hurting me financially, instead of putting some statement on as if I have not proven I do n't owe OR XXXX has proven that I do. Why are the allowed to make me look like a deadbeat and not delete this information? Equifax has shoddy reporting and I want this OFF of my credit report. I 'm attaching the previous letters & my complaint number with my AG office from over 2.5 years ago. I will also file a complaint regarding XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, an agent for principal XXXX XXXX, a federally protected consumer, holder in due course, and attorney in fact. I am making this complaint against Transunion XXXX XXXX for engaging in inaccurate credit reporting. I am also aware that consumer reporting agencies MUST report fair and accurate credit reporting. Inaccurate consumer reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. Transunion XXXX XXXX are required to undergo reasonable procedures to ensure confidentiality, accuracy, relevancy, and proper utilization of such information which were not done. I am aware that my reflected accounts should report 100 % accuracy across the board and that both Transunion XXXX XXXX have a grave responsibility for doing so. Because of this, I am demanding that XXXX XXXX Transunion either remove the account or report this account the same as XXXX. I am aware of the wrongful doings that have transpired and because of this XXXX XXXX Transunion have clearly violated the law.
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate removal of fraudulent information from my credit report. I have been a victim of identity theft, and unauthorized account has been made in my name. This is a serious violation, and I insist that you take swift action to rectify this situation. This account was opened without my knowledge or consent, and they are damaging my creditworthiness. I have attached copies of my police report, FTC Identity Theft Report, and any other relevant documentation that support my claim. 

This entry on my credit report are fraudulent and must be removed immediately : XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting

This account is being reported as it current status is collection/chargeoff and is showing as delinquent on my credit reports. The payment history on this account is being reported incorrectly and NOT BEING REPORTED FAIRLY. I was laid off in XX/XX/XXXX. With no job or income, I stopped paying on my credit accounts. The last payment on this account was in XX/XX/XXXX. You can clearly see on the attached info from XXXX that the payment status switched to XXXX in XX/XX/XXXX. This account went into default and was transferred to XXXX. This does not constitute a payment and this account is being reported past the 7 year threshold for showing on a credit report and should be deleted. I have disputed this several times with the credit agencies and I have written to XXXX XXXX several times as well and this is still being reported incorrectly on my credit report and is stopping me from getting a mortgage. 

If this is not deleted then the account payment history needs to be updated and merged with my student loan account with XXXX. When I defaulted on my student loan in XX/XX/XXXX, I had XXXX account, I now have XXXX accounts on my credit reports and XXXX are showing as delinquent. This is not fair to me and does not accurately reflect my payment history with my student loans. I should have XXXX account ( with XXXX ) that shows that I have paid on this since XX/XX/XXXX and is current and paid as agreed status. The way these are currently being reported is that I have XXXX accounts that I stopped paying on in XX/XX/XXXX, which is not true and is painting an unfair picture. Please delete these accounts immediately from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my most recent credit report I see an account listed for XXXX XXXX, however I see that the information listed for that account is incorrect and such incorrect information will further increase the negative impact on my credit scoring which is unfair to me as a consumer. Transunion has this account listed with incorrect DATE OF LAST PAYMENT of XX/XX/XXXX & DATE OPENED of XX/XX/XXXX. Why has Transunion not conducted the correct due diligence in reporting this account, their actions either negligent or willful misconduct can have caused an unnecessary further damage to my credit report and overall credit scoring.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a cosigner of a private student loan XXXX - XXXX with XXXX XXXX, that has been paid in full then transferred to another bank. 
XXXX XXXX has been late on all 3 accounts, due to the Student primary borrower who defaulted in the loan. Six months later, XXXX XXXX notified me thereafter, which caused loans to be in serious default, with interest, principals, late fees ..... 

Student to date has not made contact with me nor has he made any payment on the loan as the primary borrower. I was able to set-up a payment plan as a retiree to bring the loans out of default once all three loans were out of default, XXXX XXXX XXXXransferred the 3 loans to XXXX XXXX XXXX  XXXX 

I filed a dispute with Credit Bureau Agencies against XXXX XXXX to remove derogatory marks, It has been 7-8 years, as loans was paid in full. XXXX  XXXX denial request to rs. remove marks from my credit report. I value my credit and understand the value of having good credit that I use very wisely. Co-signing was a terrible mistake, which I learned a valuable lesson. I am only asking for the late remarks to be removed. Primary Borrower 8 years later has not contacted me nor made any effort to make payments. I continue to payments to date on all three loans that has increased to {$47000.00} from {$40000.00} when XXXX XXXX transferred it. 

Thank you for your help XXXX
Product: Credit card or prepaid card

I received a letter from XXXX XXXX Mastercard informing me of changes to an account I never opened. 
They fraudulently opened an account called XXXX XXXX Mastercard without my permission apparently back in 2017. 
The employee on the phone would not provide me with information about closing the account or resolving the issue.