23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2020 I called in inquire about the interest that was going to start on my credit card. I had ask if they could extent my free interest and was told no that I had to start paying interest. I advice then that I have COVID 19 and trying to do the right thing to pay my bill they told me that they had a program that could lower my interest and that my payments would be lower for 6 months I told them I would call back had to discuss with my husband. On XXXX I called back to let them know I wanted to accept that offer and the rep at that time told me he didn't know what I was talking about. I advise him that I talked to a rep by the name of XXXX XXXX and the bank was offering to lower my interest and payment for 6 months. He said that there was no notes on the account and said he did not know anything about that. I asked for a supervisor to call me back. Got a call back from XXXX XXXX that left me a message. I called back XXXX to get this matter resolved talked to a XXXX explain to her that I wanted to get the interest lower to XXXX this woman was a very rude lady who transfer me a collection XXXX that was very rude and did not want to hear me put me on hold and transfer me to XXXX who she was not able to help me she transfer me to XXXX a supervisor this is not acceptable. XXXX said she was not able to help me I told her she had to help me. I asked her to waive my late fee she said NO I told her to put me in the program so finally she did. This is terrible I am sick and have been on this phone for over 1hr 1/2
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union XXXX XXXX all have failed to do a proper investigation about a bankruptcy on my credit report. Ive tried several attempts and yet no changes have been made. Ive went as far as contacting a bankruptcy court and they said they do not give out information to third party vendors such as credit bureaus.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX  Account # : XXXX Account name : XXXX XXXX XXXX XXXX  Account # : XXXX Account name : XXXX XXXX Account # : XXXX I looked at my report on XXXX XXXX, XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information. 

( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information found to be inaccurate or incomplete or can not be verified, the consumer agency shall - promptly delete that item of information from the file of the consumer or modify the item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of the information that the information has been modified or deleted from the file of the consumer and according to 15 1681 s-2 they are suppose to 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.
Product: Mortgage

My Lender has not removed PMI from my loan. I have perfect loan payment history and a good credit score. I have also made 3 additional principal payments to Guaranteed rate that put my XXXX at 75 %. I requested my Lender ( Guarenteed Rate ) remove my PMI under the Homeowners Protection Act ( HPA ) as my loan reached XXXX of 78 % in XX/XX/2023. My monthly mortgage still includes PMI.
Product: Student loan

I have a XXXX XXXX loan that was sold to the company Navient. In XX/XX/XXXX I set up a recurring monthly payment of {$170.00} to be taken out of my account for 12 months on the payment assistance plan. After two payments I received a call to set up another payment plan for {$140.00}. Shortly thereafter I received a call stating that I could not be on two payment plans so I decided to keep the {$140.00} payment plan. I then received a phone call saying that the higher up managers denied both payment plans after I had already been set up and paid monthly amounts. When I spoke with managers ( XXXX different ones to be exact ) I was told that it was nothing that they could do because the higher up managers made the decision. The last manager I spoke with told me that it was a computer program and that they could not change the interest rate for my loan. I did not ask for my interest rate to be changed. They offered me a payment of {$190.00} a month, but I think it is unfair for me to be forced to take this payment considering the relationship that has occurred. I offered to return to the {$170.00} payment, but was refused. They said the difference was only {$20.00}, but that difference is big because I have other private student loans to attend to. I can not agree to that. I told them I would continue to pay the XXXX every month because that was the last agreement that we had. 

I would like a separate mediator to intervene so that we can find a solution. I made an agreement to pay a certain amount of money every month to this company every month and they changed the terms. That is not fair. 

I have yet to speak with a higher up about the decision that was made even though I requested it.
Product: Credit card

Company wrote off balance as a tax break. Need to provide 1099C.
Product: Credit reporting or other personal consumer reports

This reporting is illegal and your company is in clear violation of the law. Pursuant to 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences ( utilization and late payments ) between the consumer ( I ) and the person ( TRUIST BANK ) making the report.

Utilization is an experience with the line of credit that was extended between the consumer ( I ) and the person ( TRUIST BANK ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and I. 

Truist Bank, XXXX, XXXX and XXXX ) HAVE VIOLATED THE FCRA 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) by reporting these transactions or experiences ( UTILIZATION AND LATE PAYMENTS ) on my consumer report which CONGRESS clearly states is NOT included on my CONSUMER REPORTS.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate and Conflicting Credit Reports Violation of the Fair Credit Reporting Act ( FCRA ) Description of the Problem : I am filing this complaint due to inaccurate and conflicting information appearing on my credit reports from XXXX, XXXX, and TransUnion. Despite submitting formal disputes to all three credit reporting agencies and contacting the furnishers of the information directly, these discrepancies remain unresolved. 


The conflicting information includes [ list specific accounts or errors, e.g., charge-offs reported differently on my reports ], which violates the Fair Credit Reporting Act ( FCRA ).

The violations include : 1. Failure to Maintain Accurate Records ( FCRA 1681e ( b ) ) : The credit reporting agencies are required to ensure the accuracy and completeness of the data they report. The conflicting entries across my credit reports indicate a failure to meet this requirement.

2. Failure to Conduct a Reasonable Reinvestigation ( FCRA 1681i ) : After disputing the errors, I did not receive sufficient evidence that the credit reporting agencies conducted a proper reinvestigation.

3. Furnishers Duty to Report Accurate Information ( FCRA 1681s-2 ) : The creditors furnishing this data are reporting inconsistently across the bureaus, which is another clear violation.

Actions I Have Taken : I submitted formal dispute letters to XXXX, XXXX, and TransUnion, requesting that they investigate and resolve the inaccuracies. 

I contacted the furnishers of the disputed information to clarify and correct the data being reported. 

Despite these efforts, the errors persist, causing significant harm to my credit standing. 



Supporting Documents Provided : Copies of my credit reports showing conflicting entries. 

Copies of dispute letters sent to the credit bureaus. 

Responses from the credit bureaus and furnishers. 



Requested Resolution : I am requesting that the CFPB : 1. Investigate the unresolved inaccuracies and enforce the FCRA requirements.

2. Require the credit reporting agencies and furnishers to correct or delete the inaccurate information.

3. Confirm that all parties have conducted a proper reinvestigation as required by law.

Harm Caused : These inaccuracies have negatively impacted my credit score, affecting my ability to secure credit and other financial opportunities. This situation has also caused undue stress and wasted time in attempting to resolve the matter directly with the involved parties.

Contact Information : Please let me know if additional information is needed to assist with the resolution of this complaint.

Thank you for your attention to this matter.
Product: Credit card

I applied in good faith for the CHASE card. After good faith application had been summited received and utilizing the account for some time my account was closed without notice. If any portion of this application under the account XXXX has been securitized as a asset backed note under securities act of 1934, within the Any CHASE filled Prospectus, 10-K forms,8-k Forms and or other SEC filings. we demand credit line reissued and open ended under the name of applicant. we submit this for remedy as pre arbitration notice as holder of the contract. please review for violations per Equal Credit Opportunity Act ( ECOA ), 15 U.S. Code 1691. we wish for this matter to be resolved matter privately before we pursue further action.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX XXXX on.. 

On XX/XX/23 I went into XXXX XXXX XXXX XXXX XXXX and got pre approved on a XXXX  XXXX. When the loan XXXX printed my report- Wells Fargo XXXX card showed up on the derogatory report. XXXX is XXXX, & XXXX XXXX XX/XX/23. When I asked the bank to remove incorrect report, I got passed around to many different numbers and people with no help. I went into the bank and spoke with Bank XXXX in XXXX- she filed a report for a supervisor to call me. I was told the card was not on my name -the bank has copies of death certificate and everything was dealt with. If my name is not on the account- why is it on my report? Why is it on ANY report of its XXXX XXXX and not delinquent? 

I called the number on the back of the card. Its not the right number. I called the number on the back of credit report for Wells Fargo XXXX XXXX. That number is incorrect. I got put on hold on all instances and probably over XXXX XXXX on the phone. 

Please see attached
Product: Credit reporting or other personal consumer reports

XXXX does not disclose in their credit reporting criteria and terms of service that they report as a XXXX XXXX Account. This account type alone is a huge derogatory mark on anyones credit report even if the loan is paid as agreed and is in good standing. After a loan in good standing is closed, it can remain as a derogatory mark for as long as XXXX  years. I want these reports removed from my credit profile due to presenting as an installment loan and reporting as a consumer finance account instead. This has negatively affected my XXXX XXXX and profile.
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX  XXXX - XXXX - Immediately update all payments to on time. 

INQUIRY - XX/XX/year> -. 

INQUIRY - XX/XX/year> -. 

XXXX  XXXX - XXXX - Immediately update all payments to on time. 

XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX- Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

INQUIRY - XX/XX/year> -. 

INQUIRY - XX/XX/year> -. 

INQUIRY - XX/XX/year> -. 

XXXX  XXXX - XXXX - Immediately update all payments to on time. 

XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX- Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

Trans Union, XXXX, and XXXX have 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 data is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with 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. I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XXXXAccount Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, I discovered someone used my information to obtain medical care and get credit cards. Ive sent 605b letters to both Equifax & XXXX  with no response. Ive requested all fraudulent accounts be blocked from my credit file and the ftc report and request went ignored. Which is all a violation of the FCRA. The following accounts are fraudulent. 
1. XXXX XXXX XXXX ( XXXX XXXX XXXX ) {$920.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 
2. XXXX XXXX ( XXXX XXXX ) {$560.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 
3. XXXX XXXX ( XXXX XXXX XXXX ) {$2400.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 
4. XXXX ( XXXX  XXXX ) {$67.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 
5. XXXX ( XXXX XXXX ) {$420.00} This account is fraudulent. Ive never done business with this company or entered into a signed contract with this company. 

There is also a number of fraudulent inquiries on my report, I tried calling and send proof. With no help. 
Please see attached FTC report.
Product: Bank account or service

I sent a letter to my bank, asking nicely for some forgiveness on late payments I had on a line of credit. I offered to sign up for automatic payments from another bank account on the line of credit in exchange for erasing the late payment marks on my credit score. I was contacted by XXXX ( ext. XXXX ) at First National Bank. He told me they would absolutely be willing to erase the late payments from my credit score in exchange for my signing up for automatic payments on the line of credit. He said that someone from the bank would contact me about erasing the late payments, and that he would send me the paperwork for signing up for automatic payments. The paperwork arrived, but I was never contacted by anyone at the bank about making good on their promise to erase the late payments. I filled out the paperwork and sent it back with another letter, outlining the terms that I was told about. I was still never contacted by anyone about erasing the late payments. The automatic payments have been going for several months now, but the late payments have not been erased from my credit score. I have called the bank several times to try and speak to someone, but I just get endlessly transferred around and told that they are not able to do anything to help me. XXXX, the original man I talked to, is nowhere to be found, and the extension he had is no longer connected. I am extremely upset about being lied to and would like to try and get this resolved, and have the company make good on the promises that their employee made to me. I have done my part of the agreement and signed up for automatic payments. Now it is time for the bank to make good on the promises their employee made to me.
Product: Student loan

Each time I setup payment plan a new holder took over my loan account. This made it difficult to keep up with loan amounts. Whenever my account fell into a new owner and my account was brought current, the balance increased drastically each time. My original loan amount had now increased in double the original balance.
Product: Credit card or prepaid card

I never applied for card credit charge card in XXXX and XXXX. The account # on my credit report is XXXX. This needs to be remove from all 3 credit reports bureaus..
Product: Mortgage

Wells Fargo did ilegal VA Home Modification False information they have sent letter after 4 years they had put XXXX XXXX XXXX XXXX XXXX XXXX Went Bankrupt XXXX when we were trying to do a Fair XXXX Home Modification.They made us look as though we were high credit risk Saying we went Bankrupt XXXX which we did not they held Security XXXX dollars.Everything was done Via mail, they were supposed to correct this we did go bankrupt XXXX we did not list are VA Home loan .Made all payments Lawyers told us XXXX you do not have to reaffirm loan.We made all payments XXXX XXXX was found to have XXXX XXXX .We were 1 month behind on mortgage Wells Fargo told us to stop making payments 3 months before they could do a Modification, they put we went bankrupt XXXX which we did not made us look like we had a high credit risk took Security Instrument.Lock are loan we could not get a lower rate.Thank You XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debt was opened in XXXX I filed bankruptcy which was discharged in XXXX The original company XXXX keep selling the debt to different companies although it was in a bankruptcy. This debt is over 10years old and now on my credit stating it was opened in XXXXthis needs to be removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been struggling with XXXX XXXX and than XXXX since XXXX, its been on my credit report for years and they refuse to remove it. I have never attended college in the past I have been a XXXX XXXX XXXX XXXX  all XXXX, XXXX, XXXX, XXXX I had all XXXX XXXX XXXX XXXX and couldnt leave the house I was in and out of the hospital.XXXX  stated to me loans were signed during those years I was home, Someone used my information to attend these colleges since XXXX and now there are four other colleges coming out in these loans they allowed someone to use my Identity, I have contacted both Department of Education along with XXXX  they wanted my information to change the correct information on the Applications they have and make it seem like it was me the id they have on file and mines dont match by a digit now and I do not want to give them anymore of my information they are refusing to help remove these on my credit report it shows various dates since XXXX. Loans are over XXXX and Ive never assisted college I have never been able to attend college because of this and because of my husbands job I got a free scholarship fully paid to attend college therefore no XXXX XXXX nor XXXX was signed with this scholarship neither and will not give the schools information to them because they will create another fraudulent package against me. They sent me proof of an application where it shows a warehouse address as living and all my families information they also committed fraud and added my parents under a loan in which they have paid because they did not know this was fraud committed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to collect my credit report from Equifax and XXXX XXXX. 


Both these credit bureaus have sent me XXXX reports. 

I have sent them over all of my information requested and have yet to recieved my reports per request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 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