23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

TransUnion has lowered my score by XXXX XXXX The reasons listed states because my balance on 3 cc was lowered. This didnt seem right, so I called. The rep said that this was the only change since the last check 7 days ago. She could not explain why my score would be lowered for paying down balances on cc'ds. I asked her to rescore she said she could not. I asked to dispute it. She said I can't dispute a score because it's a calculation. The calculation is based on reasons that they don't have answers for. This feels like fraud to me and at the very least unfair practices and they have been getting away with this. I grabbed a copy of the score changes and reasons for each change over the last 6 months and the increases were because of on time payments and paying down debt. Now, all of a sudden I get close to an XXXX score and penalized for paying down debt, which I had been rewarded for. Before I reach out for legal help, I was told to start with this organization. I have verified copy of what I have stated above.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of inquiries which do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 49 days later I have not received a response yet. I feel like Im being being ignored and taken advantage of. After taking some time to do research on this matter, I concluded that a failure to investigate these items within 30-45 days gives a reason to immediately remove those items from my credit report. It has been over 49 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation, due to the XXXX  you caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the accounts was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$4800.00} ; XXXX  XXXX XXXX Balance : {$4100.00}
Product: Credit reporting or other personal consumer reports

illegal credit inquiries since XXXX according to XXXX  : XXXX XXXX 240 times, XXXX  and XXXX XXXX XXXX 160 times, XXXX XXXX 27 times, XXXX XXXX XXXX 2 times, XXXX XXXX XXXX 1 time, XXXX XXXX XXXX 1 time, XXXXXXXX XXXX 1 time. american express 2 times, XXXX XXXX XXXX 1 time. this information has been obtained illegally, and the information is false. immediately destroy any information obtained. cease and desist all business activity related to me. experian, the credit report was supposed to be locked years ago and i have a confirmation that you locked it. you did not. ongoing litigation, send all inquiries to XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have opted out of all credit products. i have been debanked and all my property is stolen. leave me alone. i will never do business with any of you criminals for as long as i live. XXXX XXXX. return capital to creditors NOW! do not share credit information with government either, there has been treason committed within factions of the federal government, it is not safe to share with anyone for any reason.
Product: Credit card or prepaid card

Hi, I recently had a theft incident where my gym bag was stolen and my credit card happened to be in my gym bag ; The person who stole my card used it to make multiple purchases. I complained and called Avant to make a fraud report ; they removed the transactions, but two weeks later, they added the total amount back to my balance without informing me of anything. They now ignore me and every one of their representatives transfers me to the fraudulent department, but no one ever helps me. This is very unprofessional. I would like the fraudulent transactions to be permanently removed from my account again. 

Thank you for your help : The people who work in the fraudulent department are very rude and unprofessional. 
Their address, XXXX, and contact information are below : Avant Credit Card XXXX XXXX XXXX XXXX XXXXXXXX Avant branded credit products are issued by : XXXX. 
Avant XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Illinois XXXX
Product: Mortgage

We closed on a newly built home on XX/XX/XXXX. Our loan was immediately sold from our originally lender to Mr. Cooper Mortgage. We were paying $ XXXX with {$510.00} being allocated to our escrow account.They ran escrow analysis on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and again in XXXX XXXX  In XXXX XXXX XXXX Mr. Cooper failed to pay our property taxes. XXXX XXXX assessor confirmed the property value at XXXX with an assessed adjusted taxable value of XXXX in XXXX XXXX XXXX With the average property taxable value for our zip code being great than XXXX. In XXXX XXXX they came to the conclusion that my monthly payment should be lowered bringing my escrow from $ XXXX to $ XXXX. Paid my XXXX property taxes in XXXX XXXX XXXX  leaving our escrow at {$510.00} - less than the known amount of our homeowners ins cost ( which they would be paying in 3Mo ) not including any amount to go towards property taxes. Paid our homeowners ins for XXXX XXXX XXXX leaving our account at- {$150.00}. Never were we notified of the significant deficient in our escrow. Now XXXX XXXX XXXX they have notified us of the deficient. Our latest statement XXXX  shows- {$3700.00} in our escrow. Our escrow statement from XX/XX/XXXX shows a shortage in the amount of {$5400.00}. Then on XXXX another escrow analysis was ran showing the shortage at {$4900.00}. Ultimately, increasing our payments by either $ XXXX ( there shortage statement from XX/XX/XXXX ) or {$670.00} ( there shortage statement as of XX/XX/XXXX ) - not sure which is accurate.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 


Account : XXXXXXXX XXXX XXXX XXXXXXXX Type : Credit Line Amount : {$2100.00} Reason : This account does not belong to me. I did not authorize or verify opening of this account. I have submitted several disputes with the credit bureau requesting additional identifying information and the company has not provided any information that ties this account to me. I want the credit bureau to provide me with the method of investigation that was used to validate this account. This account needs to be removed immediately.
Product: Debt collection

On XX/XX/XXXX I received a debt collection in the mail with the original creditor being XXXXXXXX XXXX from XXXX XXXX XXXX. The letter states that I owe {$1200.00} And that this debt has been in collection since XX/XX/XXXX. During this time I had just been released from prison and was living at home with my mother. All of her bills are in her name and always have them, she has resided at the same address for 50 years. My ex, upon me being incarcerated, Had made a point to befriend my mother and still all of my identification documents. And the last 5 years I have found several accounts that she had opened in my name while I was in prison, I was notified of the accrued debt she placed in my name and have been disputing negative remarks on my credit report ever since. I, myself, have never had a utility bill in my name. I've never had a credit card. I'm never had a loan. I have zero credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX account was open in XX/XX/XXXX. In XX/XX/XXXX, I contacted them and advised I lost my card. They closed the tradeline as a lost or stolen card, issued me a new card with a new account a created a new tradeline. This caused my " pay status '' on my current tradeline to begin reporting the pay status with XXXX as " lost or stolen card ''. Up to this point, there had been no late payments on the account. The account later when delinquent in the fall of XX/XX/XXXX, this account was referred to XXXX XXXX XXXX ( XXXX ) for collection and a settlement was reached in XX/XX/XXXX with them. The tradeline that the delinquent reporting occurred on was deleted from my reports in XX/XX/XXXX or XX/XX/XXXX because the statue of limitations was from the charge off date the occurred in early XX/XX/XXXX. 

As stated previously, my concern is with the tradeline that is reporting as current -- After submitted 3 indirect disputes with the CRA 's directly and being given the same response that the information was correct, I contact XXXX today XX/XX/XXXX and was transferred to XXXX. I spoke with 2 repsentatives that advised that since my account was referred to collections longer after this tradeline was closed, I will need to call XXXX to dispute the reporting on my XXXX tradeline that is not reporting as derogatory, it is reporting as unrated currently on XXXX and Transunion now. 

I have called XXXX before, the can not help me as they did not make the reporting. The CRA 's can not help me as they can only report the information that XXXX is providing them. XXXX is refusing to help me get this corrected from today 's conversation with the representative XXXX as it is against their policy since the account was later placed for collections.
Product: Credit reporting or other personal consumer reports

I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuraces for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 
Here are the inaccuracies I have identified : Account Name : XXXX Account Number : XXXX Reason : Account is closed Instruction : This account is closed, please investigate why it is not being reported as such or remove it from my credit report because it is reporting inaccurately
Product: Credit reporting or other personal consumer reports

The auto loan is showing on my credit report negative charge off when the debt is discharged in full. I have proof that its paid in full. with a 1099C
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft, XX/XX/XXXX someone used my identity to apply for a XXXX XXXX credit card. I called XXXX XXXX and TransUnion and explained this was a fraudulent application but they were not willing to help me until now that XXXX XXXX realize it was in fact a fraudulent application. Please remove the hard inquiry XXXX XXXX XX/XX/2018 from my credit report or changed it to a soft inquiry. Thank you for your help! i already placed a fraud alert on my credit report, i hope this help prevent all the fraud that is going on.
Product: Bank account or service

I was incarcerated on XXXX XXXX 2016.at the time of my arrest my purse was in the vehicle of a woman I had met only a few weeks prior.I thought it was safe.WRONG.two weeks into my incarceration a deposit was made onto my bank of America visa in the amount of XXXX XXXX discovered upon my release on XX/XX/XXXX2016 ... I also discovered at this time I had a XXXX BALANCE.I was devastated.I filed a fraud claim with the bank right away.I filed a police report right away.I sent the bank proof I was in jail when each transaction was made.which was XXXX documents, ine for booking, XXXX for transfer to different county, and XXXX for final release.they inconveniently said they did n't get the release document, although they wrre all sent in the same transaction ... so I sent it again ... anyway they denied my claim saying they think I gave thus woman permission ... I absolutely did not.why would I? I hardly new her.I am the mother of XXXX and it was XXXX.please help ... I believe they are pAssing judgement on me ... because I was incarcerated.but what they DO N'T know is that jail saved my life. I was able to escape from my abuser ... some of that money was going to help me start a new life ... I had been waiting a long time for this money.it was back child support owed to me ... please help.the police report case number is XXXXXXXX.filed with XXXX washington police department..first officer XXXX then detective XXXX.then he says he turned it over to XXXX police ... because thats where most of the transactions happened. Then they said he would have never done that ... .I keep getting the run around..ive named the woman in the police report her name is XXXX.I fully want to press charges.I am willing to take a polygraph ... ... .please help me!!!
Product: Checking or savings account

I called my bank to ask them when would contactless debit card be available they said they dont know when online it says coming soon
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX website informs me that my credit card has been permanently closed, written off, and acquired by a third party. SEE ATTACHED DOCUMENTS Yet XXXX  XXXX Reports to Equifax XXXX, and XXXX that the account is written off, currently past due XXXX as of this month, and that XXXX is over XXXX crefit limit so my credit utilization is 120 % Since XXXX  XXXX no longer OWNS the account, they can not report it as past due as of this month, XX/XX/XXXX, or any month they haven't owned it. Therefore the balance should be zero for XXXXl XXXX since they wrote it off and someone else acquired it. And since balance should be zero, they can not continue to report it past due as of XX/XX/XXXX, or any month. SEE ATTACHED DOCUMENT WITH THE WAY ALL CRDIT BUREAUS CONTINUE TO REPORT Crdit Bureaus won't even look at it, speak to me on the phone about it, or anything, because they almost instantaneously respond to my dispute that XXXX XXXX has confirmed and they won't they wont even look at my paperwork that says differently THIS ACCOUNT HAS BEEN WRITTEN OFF FOR SINCE XXXX
Product: Mortgage

Specialized Loan Servicing attempted to modify my HELOC account, and is claiming that 4.5 % of {$120000.00} works out to {$790.00} per Month in interest only. 

I contacted Specialized Loan Servicing several times, and they had admitted that these numbers were incorrect. However, upon follow up, I spoke with a supervisor named " XXXX '' on XXXX/XXXX/15, who claimed that these numbers were indeed correct. I believe this represents attempted fraud on the part of Specialized Loan Servicing.
Product: Credit card or prepaid card

On XXXX XXXX I recieved an alert that my account was recently closed. Upon further review I discovered that my Navy Federal Account Credit Card was closed. I contacted the bank and stated they closed it after a review. I was never late with a payment. This action resulted in my credit score dropping drastically.
Product: Debt collection

Today, while I was at work, I was contacted by telephone by someone saying I would be served papers for an upcoming court date and that I needed to call the attorney assigned to the case. They gave me the name and number of the attorney. XXXXXXXX XXXX XXXX at XXXX. I called the number and the person I talked to said that the company they work for, LP services group, was  suing me for a debt fromXX/XX/2012 for the amount and interest adding up to over {$4000.00} and that my wages would be garnished about {$400.00} a paycheck. I told them I hadn't been notified about this by phone or by mail and he gave me the address that they said they sent it to which is an old address. Once I told him it was an old address and that I didn't know what he was talking about, he offered to call LP services group and ask if they would work with me so we could settle this out of court. He came back on the line with someone from LPSG and she basically told me everything the first person told me exept this time if I wanted to set up a payment arrangement for {$1000.00} over the next couple months, they would stop the court action against me. I asked if she could send me some info on the debt like who I owe and from when and she said she couldn't do anything until aftershe took my payment info. When I told her I wasn't comfortable just paying over the phone without any details she said she wouldn't be able to stop the legal action. She said once we set up the payment arrangement, she would email me a copy and I would sign it electronically and send it back and then she could stop the legal action. After that she could send me any information I wanted. I gave them my card number and she emailed me the arrangement but I didn't sign it or email it back. After doing some research, I don't understand why they would be suing me if it's past the statute of limitations. The other credit card I took out about the same time is in collections as well and the first thing that company says when they call me is I can't be sued for the debt because it's too old. I feel a bit intimidated and like I was scared into giving them my card number. I just feel like if I ask for something showing the details of the debt, that they should give it to me so I can go over it before making a payment. I haven't paid them anything yet but I feel like what their doing is illegal. The last time I delt with something like this it was a scam from a fake company that somehow obtained my personal info. This feels the same way they do business. Any insight on this matter would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to correct the first date of delinquency with all of the credit reporting agencies, including XXXX XXXX and have provided the corroborating documentation as evidence. 
I spoke with XXXX XXXX and requested the first date of delinquency and payment history because the credit reporting agencies are reporting that the first date of delinquency is reporting correctly. 
I spoke with an XXXX representative and had him review the date of first delinquency as reported on the current report and he observed the date reported in the payment history but also observed a different date in the section that would have it removed in the 7 year history for removal. The representative informed me that it appears that the system is picking up the latest date of first delinquency not the actual date of first delinquency. 
I am providing a copy of my XXXX  credit report dated XXXX showing the date of first delinquency for the XXXX XXXX XXXX XXXX Acct : XXXX as XX/XX/XXXX and the 81-month payment history which shows XXXX of XXXX as 30 days late. 
I am providing a copy of my XXXX  credit report dated XXXX showing the date of first delinquency for the XXXX XXXX XXXX XXXX Acct : XXXX as XX/XX/XXXX and the 81-month payment history which shows XXXX of XXXX as 30 days late. 
Since I have filed my complaint with XXXX XXXX, the representative and the company provided me with the Discharge of Mortgage ( see copy ) on XX/XX/XXXX which was submitted on XX/XX/XXXX. 
I believe that the computer programs that XXXX, XXXX and Transunion utilize is only picking up the date of the latest first delinquency not the actual date of first delinquency. As you can see, I attempted to save this property and made payments which is why all of these dates start over. 

I have spoken with representatives from XXXX, XXXX and Transunion in an attempt to have this problem corrected and properly reported so that these negative accounts will be removed in accordance with the 7 year timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been talking to Equifax about mis information on my account .They argeed to delete my inquiry for I myself did not apply for them.I called 3 times spoke to 3 difference rep and they all told me they will be deleted came me a confirmation and everything on XXXX XXXX XXXX they removed several accounts from credit including un inquiry .Today XXXX/XXXX/XXXX they are back with all the accounts the removed before .I am totally confused by their action .I was not inform by mail or email .I will like use the reversion complaint for this .I should have bern informed that they were adding the accounts as well as adding the inquiry back.I have proof and would like all accounts the removed to be off my account.
Product: Debt collection

I notice 3 negative items from Jefferson Capital System LLC on XX/XX/2020, each was for some alleged debts of :XXXX, and XXXX.These are debts that i do not owe or recall having.I sent them letters concerning the negative items that i have not received certified mail with return receipt for proof that they received the letters in case of legal issues
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i check my credit through XXXX XXXX website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, equifax and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the equifax breach. I have attached the identity theft report along with my social and drivers license.