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

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX Account # 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 a account without my written instructions. Furthermore, XXXX XXXX has reported to the credit agencies conflicting information stating under the Additional Information Section of my credit report that " Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$4500.00} ; '' however, they also are reporting that my balance is {$23000.00} of XX/XX/XXXX. I am confident that you will find the attachment as self evident of these facts. 

FURTHERMORE, UPON A FULL INVESTIGATION XXXX AGREED WITH MY COMPLAINT ON XX/XX/XXXX AND PROVIDED THE FOLLOWING RESPONSE ( SEE ATTACHMENT ) AND REMOVED XXXX XXXXXXXX FROM MY CREDIT REPORT. 
" Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. 
XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free XXXX credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to Equifax last month because they were not reporting several of my open accounts on that report and it was causing my score to be very low with Equifax at XXXX and my XXXX score is XXXX due to them reporting all of my accounts. After sending that letter the creditors ended up closing XXXX of my accounts causing my scores to further drop and not adding any of the accounts I asked them to add to my report. This is really affecting my credit tremendously and I am in the middle of buying a home and this is stopping that from happening. I am not sure why they did this to my credit my letters explains that I just wanted these accounts added to my credit not closed. Please help. Below is a list of the accounts not reporting on my EQ report Open CCs : XXXX XXXX  ( ) ( $ XXXX {$25000.00} XXXX XXXX ( ) ( $ XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX {$1000.00} TXXXX XXXX  ( XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX  ( $ XXXX ) XXXX XXXX ( ) ( $ XXXX {$5000.00} XXXX XXXX XXXX XXXXXXXX ( ) ( $ XXXX XXXX  ( ) ( XXXX XXXX/1000 XXXX XXXXXXXX XXXX  XXXX ( ) ( $ XXXX ) Other Open Accts XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen. 

These are the fraudulent accounts : XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX, XXXX  XXXXXXXX XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL that opened last XX/XX/XXXX. I also have these inquiries listed on my report XXXX XXXX with an inquiry date of XX/XX/XXXX, XXXX XXXXXXXX with an inquiry date of XX/XX/XXXX, XXXX XXXX XXXX with an inquiry date of XX/XX/XXXX, XXXX with an inquiry date of XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX with an inquiry date of XX/XX/XXXX.
Product: Debt collection

I tried to resolve this debt with two companies, one called Capio, and another called XXXX XXXX XXXX XXXX XXXX ... I talked to a women named XXXX from XXXX-she said I owed a debt on a bill from XXXX XXXX XXXX from XX/XX/XXXX! Although this just hit my credit in XX/XX/XXXX? I had a great credit score, and within 3 days my score dropped drastically.. I have XXXX the name of these companies, which they have the same address listed, and when I called Capio and XXXX there has been multiple complaints filed against them for years! I need help resolving this issue and removing them off my credit report. 
Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continues to report information incorrectly as this is having an adverse reaction on my credit score. TransUnion is reporting the balances on my accounts are too high compared to loan amounts and that they are high lowering my score, however, I paid my auto loans and am using less than 2 % of my available credit. TransUnion is also stating my largest credit limit on my open bankcard or revolving accounts is too low which is not accurate. While I may not have {$100000.00} limits I don't have as little as $ XXXX-XXXX  limits. What do they consider too low a limit? TransUnion is being biased and prejudice by also lowering my score by stating largest credit limit among all the open bankcard or revolving accounts in your credit file is low. Again this information is inaccurate if you look at my available credit and limits across my card profile. TransUnion is giving the false impression that I am overextended which are triggers for higher risk of which I am not This is a defamation of my character. I always use credit responsibly and always make payments on time. TransUnion also states I have too many inquiries and this is lowering my score. I have one ( 1 ) inquiry from XX/XX/2020 and no other inquires. How is this " too many '' unless they are simply looking for reasons to intentionally lower my score because of race. This information is not correct nor is it right. Stating I have too many inquiries can lower your score a small amount, typically by 10 to 20 points. The TransUnion XXXX credit score model is flawed. Again another inaccurate piece of information in my credit file that TransUnion fails to correct is they are claiming the total of all balances on bankcard or revolving accounts is too high yet I have paid off practically every credit card, I have paid off my auto loan, I have no personal loans no payday loans and I find it strange that my score dropped significantly when I paid off all debt than when I had debt. For the past 8 months I have been at 1-3 % utilization and yet my score continues to drop with TransUnion with no explanation so I find it difficult to understand how TransUnion states the total combined amount I owe on all of my bankcards and revolving accounts is high and a sign of increased risk. People who carry balances on multiple bankcards or other revolving accounts have reduced available credit to use if needed, creating a greater chance of becoming overextended yet I have paid everything off ; TransUnion claims on their own website : Pay down the balances on your accounts. Ideally, the balance on any revolving account should be 30 % or less of the total credit limit on that account. Yet my 1-3 % which is substantially below their recommended 30 % isn't enough to move the credit score needle? Its
Product: Student loan

I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , Equifax , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 

USDOE/XXXX XXXXXXXX {$0.00}
Product: Credit card

My wife has an Old Navy Credit card, and her total purchase for FY 2015 were {$200.00}. After several months of paying the minimum to pay off the balance she received a statement that now alleges she owes XXXX. They will not send us an itemized statement showing how we reached this astronomical balance, nor will they explain it to us via phone. They immediately pressure my wife into a settlement discussion asking her to provide a date that she can pay 30 % of the balance and they will cover the rest.
Product: Debt collection

Ive been receiving these statements as of last year ( XX/XX/2018 ) & its stated that I owe {$780.00} to the University XXXX XXXX  medical office. Unfortunately Im not so sure that these would belong to me after my Social Security number was stolen.
Product: Mortgage

It has been over a year since we have been trying to get a response from Wells Fargo mortgage regarding a short sale of our property. We have a lawyer working with us and she just sent me an email requesting that I file a complaint about Wells Fargo. She said that Wells Fargo has stated that it is stuck in " Mortgage Insurance '' and that is what is causing the delay. We have a buyer for the house who will bale-out if we do n't get this to settlement. We could no longer afford our mortgage payment so put the house on the market and we are renting another place. We applied for XXXX loan modifications through Wells Fargo and they were turned down. In 2008 we refinanced to an interest only loan of 8.28 % thinking that we could refinance later on. Well that is when the market fell our and our home value took a " deep-six ''. We want to get this resolved asap. We are still paying utilities on the other house as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and say it's mine. According to the FCRA XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

i had a Bill with XXXX XXXX cable that i paid in full. they sent the account to collection by fault of their own. the company that now has the debt will not update my credit report and the account does show paid in full, but they wo n't remove the collection after stating they would. i have tried multiple times to ask them for a letter of the debt being paid in full but they never return calls or answer their phone.
Product: Mortgage

I, XXXX XXXX, am sole mortgage holder of loan # XXXX with PHH Mortgage. My complaint with them is : 1.Phh Mortgage has approved a 3rd party unauthorized person, XXXX XXXX , to file a motion with bankruptcy court to try an refinance my debt. 

I have not given authorization for anyone to do anything on my debt. I even sent in.writing to both Ocwen and PHH I do not give authorization for anyone to discuss my loan.

Phh should not be allowing anyone to do anything to refinance my debt because it has already been discharged in a prior XXXX in XX/XX/2016. 

2. Phh refuses to speak to.me regarding my OWN debt. They say there is an attorney by a unauthorized 3rd party shanae young. They told me to.send writing letter stating I am not represented by an attorney. I have done so and when I call customer service they still refuse to speak with me stating an attorney is involved and I explain it is not my attorney and this is my debt. I did not have this problem with prior mortgage company ocwen.
Product: Debt collection

The debt was paid in full as stated in amended notice of dismissal filed by BSI Financial Services attorney in case XXXX enclosed as an exhibit in this complaint. 

The debt was agreed on a balance not to be less than {$25000.00} to BSI in a agreement to settle the debt which was the amount of the reaffirmed bankruptcy agreement signed by the investor and creditor in case number XXXX in the United States Bankruptcy Court XXXX XXXX of Ohio. 

BSI agreed to the amount of no less than {$25000.00} in the contract and there were no other numbers or figures listed in the agreement of money still owed of any amount or forgiveness of debt. BSI has now sent the IRS a XX/XX/XXXX 1099-C in the amount of {$13000.00} debt discharged also showing {$2500.00} in interest payments made by me on the loan. This amount is not a true FACT as per the courts finale amended notice of dismissal in case XXXX the loan was paid in full by BSI own lawyer XXXX balance owed. As per the contract signed and agreed on with BSI I paid them {$25000.00} which was the original reaffirmed amount from XX/XX/XXXX four years prior. The FACTS show that per the court dismissal the loan was paid in full. This 1099-C is just an attempt of BSI or the investor of that loan to try to defraud the IRS by submitting a 1099-C for what could only be discharged bankruptcy debt from the loan cram down which would be illegal and I will have no part of it.

I have also included as an exhibit the case at which BSI lawyer petitioned the courts for the amount of only {$22000.00} which was not the amount of {$25000.00} that I paid if you were to take the interest showing in the 1099-c in the amount of {$2500.00} plus the {$22000.00} it would be {$460.00} more than BSI stated was the less amount that they would take.
Product: Credit card

Name of the Bank is Discover. 
On XX/XX/XXXX of XXXX I had a balance of {$8300.00} with a 0.00 % APR promo due to expire on XX/XX/XXXX. 
On XX/XX/XXXX I accept the offer from the bank for a new balance transfer promotion with a 2.99 % APR promo due to expire on XX/XX/XXXX. I transferred {$8000.00}. 
On XX/XX/XXXX and XXXX I made two payments to the bank for a total of {$8000.00}. 

XXXX bank statement shows Discover had applied most of this payment to the last balance transfer promo ( 2.99 % due to expire on XX/XX/XXXX ) instead to the first one ( 0.00 % due to expire this same XX/XX/XXXX ). 

As a result I was charged full interest rate of 28.24 % applied to the balance {$7600.00} on XXXX. Same has been happening for the following months of XXXX and XX/XX/XXXX so far. 

I called the bank and they said because of the second balance transfer offer had a higher APR promo ( 2.99 % ). The bank system applied the payment I made on XXXX for the amount of {$8000.00} to that balance transfer instead of applying it to the first balance of {$8300.00} ( with 0.00 % APR ) which was about to expire. 

No sense because why would I accept a new balance transfer offer knowing I was going to be charge a full interest rate? plus the fact I paid also the fee for that transfer.. 

The bank said there was nothing they could do. That's the way it is they said.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft resulting from a data breach, and I am writing to formally request that the following fraudulent accounts and inquiries be blocked and deleted from my credit report in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). These items do not pertain to any authorized activity on my part and were fraudulently created using my personal information. 
Fraudulent Accounts : XXXX. XXXX  - XXXX - XX/XX/XXXX - {$2000.00} XXXX. XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$170.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$170.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$920.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$680.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$63.00} XXXX. XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$13000.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX balance {$1000.00}, XXXX XXXX XXXX XXXX$30000.00}, XXXX balance {$390.00}.
Product: Mortgage

on XXXX XXXX, 2006 I took a home equity loan from Wachovia bank, ( now Wells Fargo ) in the amount of {$120.00}, XXXX at an interest rate of 7.8 %. I have in several occasions requested to renegotiate the loan for the purpose of getting a lower interest rate. My monthly payment is {$1000.00}. After making payments for the last 121 months ( {$120000.00} ) my loan balance is now {$100000.00}. This means 95 % of my payment went to pay the interest. I find this outrageous and I hope you can help me get a lower rate. Thanks XXXX XXXX XXXXXXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my two credit cards with. Contiental finance card company. I paid way over the amount i owed to keep my accoubts open. They keep reporting to XXXX XXXX   XXXX the credit bureaus that i am over the kimit abd late. After i paid the cards i cut them up. The only fees i have is the monthy fees of XXXX that they are forcing me to pay to keep the account open. I keep them open because i just got pre approved for a home loan and by them reporting un accurate info to the better bureaus they are messing my score up. To solve this any money i paid to much send it back and. Contact the credit bureaus and report the right info
Product: Credit reporting or other personal consumer reports

Complaint against XXXX, XXXX and XXXX. Multiple inaccurate reports which directly violates the requirements set forth under the Fair Credit Reporting Act. Specifically section 623 ( 15 U.S.C. 1681 s-2 ) mandates that furnishers of information provide complete and accurate date while FCRA section 611 ( 15 U.S.C. 1681 i ) requires a prompt and thorough investigation of disputed information. Multiple efforts were made over the phone to make the necessary corrections and remove all adverse items complained about directly without success. This act directly violates ( 15 U.S.C. 1681 o - Civil Liability For Negligent noncompliance ) and also violates 15 U.S.C 1681 s-2 - Responsibilities of furnishers of information to consumer reporting agencies. False and damaging reports of Liens, charge offs, settled accounts, open and closed accounts, inaccurate opening dates. Inaccurate balances, incorrect names and addresses falsely reported. Erroneous status and account status false reports of past due when no verifiable amount is proven to be owed. The inaccuracies fail to reflect the true XXXX XXXX XXXX  of the consumer / living XXXX causing false and misleading denial to prohibiting access to credit while the estate is backed by the full faith of the U.S. Government / Treasury. A notarized Federal Trade Commission Identity Theft complaint has been filed along with a police report with all 3 reporting agencies and all 3 banks that were compromised and contributed to the unconscionable amount of damage to my credit history and profile. The federal complaint report was filed and being mailed certified. The certified mailing number can be provided if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act- XXXX XXXX Account # XXXX, Dept of EDXXXX XXXX Acct XXXX XXXX Dept of EDXXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX- Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Acct # XXXX XXXX  Acct- # XXXX XXXX  Acct- # XXXX XXXX XXXX Acct # 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 604A. States a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding an internal block placed on my credit file by Equifax without my knowledge or consent. This block has hindered my ability to access my credit report and has caused significant inconvenience and potential harm to my financial well-being. 

Despite my efforts to resolve this issue directly with Equifax, I have not received a satisfactory response. As a result, I am seeking your assistance in addressing this matter. 

Details of the Complaint : -Issue : Internal block on my credit file by Equifax XXXXImpact : Inability to access my credit report, potential harm to my financial well-being -Attempts to Resolve : Multiple communications with Equifax without satisfactory resolution or XXXX for error. 

Personal Information : -Full Name : XXXX XXXX -Date of Birth : XX/XX/year> -Social Security Number : XXXX -Current Address : XXXX XXXX XXXX. XXXX, XXXX XXXX NJ XXXX I request that the CFPB investigate this matter and take appropriate action to ensure that Equifax removes any internal blocks on my credit file. Additionally, I request that Equifax provide a formal explanation for this action and confirm that my credit report access has been fully restored. 

Thank you for your attention to this matter. If there are any further steps or information required to process this complaint, please do not hesitate to contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

In XXXX of this year I went to XXXX XXXX XXXX on XXXX XXXX in XXXX, Ohio and borrowed {$1000.00}. It was a payday loan to be paid back in four installments for four months from monthly social security checks. The first payment due was approximately {$370.00} but I paid {$600.00}. After the payment was made I was given a receipt that said I owed {$770.00} as a new amount financed and {$290.00} as a fee amount for a total of {$1000.00}. 

I had intentions of paying this off in two months. They are now telling me if I pay the finance fee only, I will keep getting the same finance fee. To end this they are telling me I have to pay the {$1000.00} with my social security check in XXXX. 

How is it legal for them to charge me {$75.00} more than what I borrowed after I have paid them {$600.00}. 

I have called the office and the corporate office only to be told the same payoff information from everyone I have spoken with. My last contact 's name is XXXX and his phone number is XXXX. He said he received his information from the corporate office. 


I have tried getting all my paperwork but I keep getting told different places to contact for it and when I do they say it is not their department.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type XXXX XXXX Companies Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX