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

none of the credit bureau have my number on the fraud alert XXXX aslo state farm is not showing on my get credit with XXXX it showed before and XXXX XXXX also XXXX XXXX   taking more than 30 days for my dispute and XXXX wont let me look at my credit even when i tried paying
Product: Student loan

i have a private loan which originated in XXXX ( 2006 ) and i live in XXXX. why am i still responsible for it?? also, my daugher cosigned for me and she needs to come off. after all these years it should be in my name only. she informed me that she would contact them about taking her name off. well, the response was she was the primary borrower and i was the maker. today, i got the opposite information where by i was the primary borrower and she was the cosigner. this is affecting our relationship because i got behind. It had been in forebearance and then a collection agency called me and then threaten her with wage garnishment and contacting her corporate office. After i spoke with them, i sent them a cease and desist letter. Aes contacted me and told me that i was n't able to use any more forebearance but they offered me a payment arrangement. i have since followed this to the lettter but the interest or the days late is constantly going up. my balance is n't going down. what shall we do???????????????
Product: Payday loan, title loan, or personal loan

The leasing company XXXX is completey a sham and provides misleading and false information to lure consumers. On XX/XX/XXXX I was advised by XXXX XXXX XXXX in XXXX, VA that if I wanted to purchase a washer and dryer I would need to use the XXXX XXXX leasing company, XXXX. I was advised by the store rep the lease would only require a {$52.00} payment to begin the lease and that would be the only fee to XXXX, if I selected the XXXX day payoff. The items I selected at XXXX XXXX XXXX were a washer and dryer, both under {$500.00} each. I was told by the rep at XXXX XXXX XXXX that I would need to purchase an extender warranty for {$1500.00}. A week after the purchase I contacted XXXX in order to ensure the account was set for a XXXX day payoff. I was advised the account was set for a XXXX  day payoff and the payments would be XXXX XXXX monthly to accomodate the XXXX  day payoff. On XX/XX/XXXX I contacted XXXX to inquire about the remaining payoff, and I was advised by an XXXX rep that I would need to pay an additional $ XXXX {$400.00} in order to pay off my account for the XXXX  day payoff. When I asked for an extension to the XXXX  day payoff ( in order to properly look into the account ), the rep informed me that I could only receive an extension for XXXX week and it would cost me an additional {$100.00}. I also asked the rep repeatedly to provide me with details as to why I was being charged additional money other than the amount of the store purchase the rep refused and told me that I needed to refer back to the leasing agreement, however, I never received a leasing agreement. The email that I initially received from XXXX did not display the lease agreement. So if there were hidden charges I was not aware and that would go against what the XXXX  day payoff was offered in the store. XXXX has been less than professional, failed to be transparent, and the POOR customer service makes contacting and communication with XXXX so strenuous and draining, which overall makes it difficult to receive the proper and appropriate information. Basically, XXXX is using tactics to charge more than XXXX  day payoff and deters customers from receiving the proper information. I feel like I was duped into doing business with Acima by the XXXX XXXX XXXX XXXX knowing the false and misleading payment method of XXXX  day payoff. Also, this shady company does not make exceptions for me after being impacted by XXXX.
Product: Checking or savings account

This is an update to the claim where the bank reversed a credit of XXXX TWO times and they were wrong and did it in error and now recently sent me an email claiming they will give it back but have yet to give it back. I have made 0 purchases as a result and they never issued the the money back yet claimed they have by email. Please have a President Vice President or CEO contact me and oversee the process where it is Actually, given back to me and not just stated that it will be given back to me. They have my account in the negative because they never gave it back after claiming they would give it back. Please stop them from stealing from me and messing up my account ledger.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Name : XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I have a student Loan from U.S. DEPARTMENT OF EDUCATION XXXX that is not reporting correctly. My loan was in federal deferment and was not in collections during the Pandemic Shutdown I am trying to protect the integrity of my credit profile Ineed the collection status remove asap. My loan should not be reporting in collection for over a year. Plus we are still under the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), XXXX. XXXX XXXX,.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process.

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1XXXX ( XXXX XXXXACCOUNT # XXXX ) Has violated my rights- 2- ( XXXXXXXX XXXX/ACCOUNT # XXXX ) Has violated my rights- 3- ( XXXX XXXX INC/ACCOUNT # XXXX ) Has violated my rights- 4- XXXX XXXX XXXX INC/ACCOUNT # XXXX ) Has violated my rights- 5- ( XXXX  XXXXACCOUNT XXXX XXXX ) Has violated my rights
Product: Credit reporting or other personal consumer reports

A telephone conversation held several times in XX/XX/XXXX thru XXXX of 2024 with both the lender and Experian to resolve and it had been indicated by Experian, that information will remain on credit report because lender verified owing balance is accurate currently and so forth. I had spoke to the XXXX, the lender via telephone and emails saved during this timeframe to resolve. Additionally, I requested that the lender give me a statement on my online account via inbox message to confirm everything is paid off as we spoke about and it had been sent and in my possession for verification and today uploaded to Experian.
Product: Mortgage

Spoke to XXXX XXXX XXXX, Senior Vice President XXXX XXXX, RoundPoint Mortgage Servicing Corporation nmls : # XXXX XXXX XXXX # XXXX on XX/XX/XXXX and he told me he can move forward with the loan. On XX/XX/XXXX, XXXX referred me to XXXX XXXX, Branch Manager License, NMLS # XXXX at RoundPoint Mortgage Servicing Corporation, NMLS # XXXX, c : XXXX. She pulled my credit and obtained copies of my bank statements, tax returns and other sensitive documents for the VA loan. XXXX told me that I was approved for {$320000.00} and instructed me to start shopping for a home with my Realtor. My Realtor and I couldn't find a home I liked in XXXX XXXX ; so we started looking in XXXX. We found a home and told XXXX that we would be moving forward with XXXX. XXXX was unable to be reached. I then reached out ot XXXX and he was unresponsive as well. I then reached out to XXXX XXXX XXXX  at Roundpoint  to ask what was going on and was told XXXX was no longer with the company. I asked him who I needed to contact to move forward with my loan as I only have a month to secure housing - no response.
Product: Mortgage

To Whom It May Concern : My complaint is with Bank Of America ( BOFA ) Mortgage Servicing. I have a conventional mortgage with BOFA. In XXXX I successfully had my property taxes reduced {$4200.00} per year. The judgement went into affect on XX/XX/XXXX ( see attached documentation ). On XX/XX/XXXX, I faxed the attached request for my property tax escrow to be reviewed to BOFA. I used the fax number that was provided to me by BOFA via online customer service ( XXXX ). In mid XXXX I received a revised escrow analysis that actually had my monthly payment going up from {$4000.00} to {$4000.00} per month. Since this did not make sense to me, I have tried to contact BOFA numerous times of the last couple weeks before my increased payment goes into affect on XX/XX/XXXX. After probably 3 hours on hold XXXX no joke ) and talking to multiple people, I finally found my way to XXXX XXXX who told me the fax number I was provided has not been monitored for 2 years. On XX/XX/XXXX I emailed the attached fax ( that went to unmonitored number ) to XXXX and was told it would be resolved that day and she would call me back. It is now XX/XX/XXXX and I have not heard back from XXXX despite my attempts to contact her over email. 

BOFA Contacts : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX 's manager ) - XXXX CFPB, I believe this behavior by BOFA is unacceptable and seek any help you can provide.
Product: Credit reporting or other personal consumer reports

On XXXX, I received a credit alert about a hard inquiry from XXXX XXXX XXXX. I immediately froze my credit through Transunion as they were the ones reporting the inquiry. 
On XXXX I called XXXX XXXX XXXX and they said they do not see an application on their end and I should call Transunion. I immediately called Transunion and they saw an application submitted on XXXX. I have not applied for any credit. They gave me an old address that was used on the application and a phone number that I do not recognize. They told me to fill out the FTC.Gov forms to fix this and remove the fraudulent inquiry.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. These addresses were used to open accounts in my name : XXXX XXXX XXXX XXXX XXXX, TN. XXXX XXXX Accounts : XXXX XXXX XXXX Opened XX/XX/XXXX. {$300.00} XXXX XXXX. Account number XXXX. Date opened. XX/XX/XXXX XXXX. Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX # XXXX {$940.00} ( XXXX XXXX XXXX ) Enclosed is a copy of a FTC report and a Police report stating the items that were opened in my name. These accounts have resulted in several fraudulent addresses appearing on my consumer FICO credit report. I've attached a list of the addresses in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent addresses and accounts. I do not recognize the aforementioned addresses and accounts as reported. The aforementioned addresses and accounts appearing on my consumer credit report maintained by you were not initiated by me. All of the aforementioned addresses and accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned addresses and accounts are the result of identity theft and fraud. Enclosed Police Report with the fraud accounts listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an unlawful inquiry showed up on my XXXX credit report. This inquiry is unlawful because i never authorized it. By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, bmo harris is also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. Ind. XXXX ) I have attempted to solve this issue myself. Here is what i did. 
XX/XX/XXXX i sent a request for removal to bmo harris through certified return receipt mail. The id is : XXXX. This gave the company 10 days from receipt of the letter to respond. 
XX/XX/XXXX i did not get a response XX/XX/XXXX i have finally had enough time to submit this complaint. 

I know that the company did receive this request for removal, in which i was very specific about the laws they are breaking, so i ask that you reach out to them and push them to complete the removal of this inquiry. 

I have provided all documents needed below. 

Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX, EXPERIAN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX were sent Notice to Cease and Desist reporting of several currently reported injurious claims ; unproven yet to be factual and physically validated as true, correct, complete, timely and certifiably Metro 2 format compliant. 

The claim by XXXX XXXX XXXX was to be checked for requisites and immediately removed from reporting of ONLY factually true, complete, timely, validated and certified allegations. This original Notice was sent XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX failed to provide any of the requested information. 

I filed a previous CFPB complaint against XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, again, failed to provide any of the requested and required information validating the account. XXXX  response to the CFPB complaint was a declaration of XXXX  XXXX Bankruptcy and no attempt to substantiate its claim. However, neither XXXX XXXX, EXPERIAN XXXX, XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX have ceased reporting the unsubstantiated claim, as required by law. 

This is an account that was previously removed from reporting to my personal credit profile. Public records demonstrate that the opening of this account occurred during a timeframe the account information could not possibly be accurate. ( SEE ATTACHMENT 1 ) Per my States reporting regulations and the applicable federal guidelines for lawful and compliant reporting of consumer credit, it is unlawful to assume report-ability of any claim without physically verified proof of fullness of truth, completeness of accuracy, timeliness of validity and/or certifiable compliant reporting elsewise to include but not limited to the standards and mandates described or hinted at via the applicable FCRA AND FDCPA laws , much less the standard of compliant reporting of the documented perfect and complete Metro 2 Format compliance of reporting. XXXX XXXX, EXPERIAN XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 's current reporting practices are significantly deficient and unproven to be factually true, correct, complete, timely, validated, and/or elsewise certified compliant as related to the mandates and standards of lawful reporting, per the applicable aspects of FCRA and FDCPA to include but not limited to the mandatorily perfect and complete certified Metro 2 format reporting. 

XXXX XXXX, EXPERIAN XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are reporting inaccurate and incomplete information, in regards to the below noted allegedly derogatory account. 

A complete dissection of XXXX XXXX, EXPERIAN XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 's unlawful reporting is attached to this complaint. The attachment details nearly four years of unsubstantiated reporting.
Product: Credit reporting or other personal consumer reports

Last week I realized my credit score had dropped well over 100 points. After reaching out to XXXX and experian today XX/XX/year> they informed me they had not received any information from chase about my account in the past 6 months. Therefore I no longer had a credit score which I presume led to the drop in my score. I called chase and after over an hour on the phone we confirmed that I was unable to obtain my report from XXXX. They insisted that they were correctly reporting the information to the agencies but the agencies insisted chase is not reporting it.
Product: Debt collection

I have repeatedly received emails from XXXX XXXX, otherwise known as Synchrony Bank, for the past year. These monthly emails request that I pay back a loan I took out to get XXXX. I have been, and still am more than willing to pay this loan, but their website is non-functional and their phone number is a dead end. I have exchanged emails back and forth, and they continuously tell me to pay online, and day after day I keep checking their website to no avail. As a result, my credit score has been tanking, and it feels like my entire life is crashing down around me, completely out of my control. Months ago, I had repeatedly set up automatic payments, which they cancel without telling me. Rather infuriating.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED/ MISUSED CREDIT REPORTING XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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: Credit reporting

Transunion has erroneously changed the status of my XXXX XXXX XXXX account to " late ''. This account was paid in full and my reports reflected as such. Upon a credit pull today, my report changed to " late '' thereby affecting my score.
Product: Credit reporting or other personal consumer reports

I notified on XX/XX/XXXX that my Federal Student Loans were forgiven as of XX/XX/XXXX. I received a letter from MOHLEA that the Biden- Harris Administration forgave my loans, contacted the credit bureaus before the end of XXXX XXXX 

I reached out to XXXX and XXXX. XXXX was corrected. XXXX has corrected, XXXX is still working on it. I sent letter yesterday with all documentation that should arrive on XXXX XXXXXX/XX/XXXX. Just got my updated 3 bureau scores and my Student loan is still affecting my credit scores. Even though it was forgiven as of XX/XX/XXXX. 

I inquired to credit bureaus as to how my credit scores were higher with a balance of {$350000.00} on XX/XX/XXXX. My present scores are lower and my debt is now only {$5800.00}. 

My credit report reads : Excellent on all aspects. Except - The remaining balance on your mortgage or non-mortgage installment loans is relatively high. 51 % listed by XXXX. 

The Biden-Harris Administration gave credit to the loan and forgiveness date was 18 months ago on XX/XX/XXXX. 

Credit Bureaus tell consumers we are using to much credit or not using enough. I use my cards and pay them off in full when the bill is due. Why is it held against me? 

Why if my loan is forgiven, is it still showing payments on my credit report up to and including XX/XX/XXXX?
Product: Credit card or prepaid card

I was added as an authorized user on my Husband 's citicard. We have been divorced since XX/XX/2018. I called Citi XX/XX/2018 and asked them to remove my name as an authorized user, and they refused to remove me. They said I needed to have my ex husband remove me as an authorized user. My ex husband refuses to do this and I have continued to try to get him to. His spending and bill pay habits are negatively affecting my credit score and I would like them removed.
Product: Mortgage

Citizens One Home Loans. Sold my house and the title company has been trying to get a payoff since XX/XX/XXXX. They asked me to try. I called XXXX and got automated message for a call back in two days. Called a different number and got a person who said they would fax it in 5-10 days. I need a payoff to close on my house this week. I explained the urgency and the constant attempts and the person just kept saying youll receive it in 5-10 business days.
Product: Mortgage

This is the 5th time this has happened. 
About once or twice a year for the past several years, Key Bank, with whom I have a home equity line of credit ( HELOC ) fails to send me a monthly statement. It just never arrives. Twice, I noticed before my payment was due. I called Key Bank and asked them to send me a statement ( after making sure no one else was charging anything on my HELOC ) and I made the payment over the phone or at a nearby branch. 2 other times, I did n't notice and did n't pay the bill until Key Bank notified me that my payment was late ( at which point I IMMEDIATELY paid and they waived their late fee ). Until today. Today, a woman named XXXX at the XXXX XXXX, WA branch called to inform me they would not waive the late fee. When I asked why ( since I was not tardy ... ..I 'd never received the bill! ), she rudely stated that they would n't and there was no point in discussing it further. I pay my bills on time. The only occasion in several years of having this HELOC that I did not was when Key Bank failed to send me a bill / statement. It seems inappropriate to charge me a late fee when they never sent the bill to begin with. Because this has happened on several occasions to me, I imagine it is happening to hundreds or thousands of others as well. Key Bank is likely raking in a fortune in late fee 's that they 've had a hand in creating. I would like the CFPB to investigate this further, and find out if this is a pattern designed to profit on consumers in an unethical manner.