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

Re : Formal Compliant Against XXXX, XXXX, Equifax and XXXX XXXX. 

To Whom it may Concern : This a formal compliant against the Creditor XXXX, and the three credit bureaus XXXX, Equifax and XXXX XXXX. They all have failed to send a written correspondence within 30 days and violated the FCRA & FDCPA laws. XXXX was sent a certified letter onXX/XX/XXXX19, and it was received on XX/XX/XXXX.19 and signed by a XXXX employee. I have not received a correspondence letter back from them. I sent the next letters to the XXXX, Equifax and XXXX XXXX, to address the inaccurate reporting on on my credit file, but theses bureaus have not sent me back a written correspondence to get a resolution to the issues that are very negative on my credit report. For all three bureaus letters were sent certified on XX/XX/XXXX.19 and delivered on XX/XX/XXXX.19 and signed by each of their employee 's. I have failed to received any correspondence to address this inaccurate information.
Product: Student loan

XX/XX/XXXX I initially began to attend the Illinois XXXX XXXX XXXX XXXX , being mostly funded by XXXX XXXX . 
XXXX XXXX XXXX denied by request for the Junior year of school tuition. I had no family help ( they made too much $ for me to get federal aid through FAFSA ) and had to withdraw from school. 
XXXX Now being XXXX, I was eligible to sign up for FAFSA without inputting my family info. 
XXXX The school lost its accreditation status. Being an art school most classes will not transfer. 

I reached out to XXXX XXXX repeatedly letting them know the school has closed and I was unable to get my degree. Also brought to their attention that if they had let me know before I enrolled in school that I would not be approved for tuition for 4 years, I would not have enrolled where I did.
Product: Checking or savings account

Citibank has blocked my account since XX/XX/2024 for no apparent reason. I made a complaint earlier with CFPB and CitiBank responded saying the fraud department sent me a letter in the mail to confirm my account on XX/XX/XXXX and again on XX/XX/2024, neither of which I have received. They said it takes 7-10 business days to receive the letter and its been past that timeframe, twice already. Please contact the Account Takeover Department because they are the ones sending the letter and they are either sending it to the wrong address or not sending it at all. Citi Executive Response Unit will respond to this complaint by saying they sent a letter to my address and that the case is resolved ; I dont accept this response because they are still to contact the Account Takeover department and investigate why the are sending the letter to the wrong address. It can not be a coincidence that the mailman lost the letter, 2 times already. I still reason various anonymous mail from Citibank concerning my account, this seems to be the only letter from Citibank that I havent received and its from this particular department, so they are obviously doing something wrong. Ive filed a complaint with Citibank executive response unit and they basically told me they dont have any control over the fraud department and have no rapport with them and cant even call them. I have my life savings of {$55000.00} in this account which I can not access and this is jeopardizing my familys living situation as I am unable to pay rent without these funds. 

Citibank Account number : XXXX Account type : personal checking account Account holder Name : XXXX XXXX Citibank Fraud department : ( XXXX ) XXXX I have filed complaint with Citibank Executive Response Unit at : XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX Original OCC case number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint against Equifax. Today, they incorrectly and unfairly decreased my credit score by XXXX points. I applied for a loan, which resulted in a hard inquiry. This inquiry was also reported to XXXX and XXXX which only reduced my score by less than XXXX points. XXXX uses XXXX just like Equifax. My score did not severely drop at XXXX. When I called Equifax, they could not explain the score decrease and refused to provide an explanation. Their agents will only say that they are only a reporting agency. I am calling Equifax about my Equifax score and this is seemingly simple, but they are ridiculously secretive. Equifax needs to correct my credit score because a hard inquiry should not result in a XXXX point decrease to my score. This was the only change on my credit report and the Equifax scoring mechanism is obviously flawed. 

As of today, my credit scores are the following : Equifax XXXX ( checked via my.equifax.com ) XXXX XXXX XXXX XXXX Lenders should not use Equifax due to their unfair practices. Thank you.
Product: Credit reporting or other personal consumer reports

Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance Reported : {$3600.00} Disputed Late Payments : TransUnion XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXXXXXX XXXX Inconsistent Reporting : The late payment dates do not match across bureaus, violating FCRA 623.

Failure to Verify : Under FCRA 609, I request proof that I was actually late. 
XXXX XXXX XXXX Compliance Violation : If my account was brought current, the late payment must not be reported as delinquent.
Product: Debt collection

I have no idea why I have this debt, think it came from a service I never got anything from and they took out a loan in my credit card, now they keep harassing me with phone calls and I want it to stop. Im not paying for something for a service I didnt receive. 
They call me with the same message These are dates theyve called me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is an attempt to collect a debt please do not erase this message until you call us at XXXX again that number is XXXX thank you
Product: Debt collection

I have attempted to contact company several time with no response. This is not my debt. I don't have an account with this company.
Product: Debt collection

Got a phone call today XX/XX/2022 at XXXX from someone stating they were calling from LVNV funding about an old credit card account I had through XXXX XXXX I told her to send it to me in writing and to stop calling me she said they tried sending it and nothing was done about it and asked what was I going to do about it I told her Id like a cease and desist she asked me again what was I going to do about the debt I raised my voice and told her again for a cease and desist she asked again what I was going to do about it I then yelled into the phone that shed be reported thank you and I hung up the phone
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed {$4900.00} for the XXXX XXXX XXXX XXXX XXXX that was added to my credit report in error, this account was opened fraudently and does have my correct social security number. My identification was stolen and someone opened this account I disputed this account with all three credit bureaus and this account and was advised this was verified but it was not verified because my social security information is not correct on this account. XXXX has removed this account because it could not be verified but it is still showing opened on XXXX and experian which violates the fair credit report act
Product: Credit reporting or other personal consumer reports

I have filed multiple disputes with TransUnion regarding inaccuracies in my credit report, including personal information discrepancies, incorrect public record details associated with a bankruptcy case ( such as type, status, filing/reporting dates, closing dates, asset amount, court information, liability, and exempt amount ), and several account-related inaccuracies across different creditors ( XXXX XXXX XXXXXXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ) , alongside unauthorized inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. Despite these repeated disputes, the inaccuracies persist on my credit report, reflecting errors in last verified dates, dates of last activity, dates opened and closed, high balances, and creditor comments that directly conflict with my records or data provided by other bureaus. My attempts to correct these discrepancies aim to ensure accurate representation of my credit history in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates accurate, fair, and private filing of information in consumer reporting agency files. The continued presence of these inaccuracies not only misrepresents my financial behavior and history but also potentially impacts my creditworthiness and access to credit. I seek the Consumer Financial Protection Bureau 's ( CFPB ) assistance in addressing these persistent reporting inaccuracies by TransUnion, as my own efforts to resolve these issues directly with the bureau have not resulted in the necessary corrections or removals of the disputed items.
Product: Student loan

I received Private student loans from Sallie Mae while attending college. Paying the loan back became nearly impossible, due to unforeseen issues, exploding interest rates, and other financial burdens. 
After several months/years of late payments and exhausted forbearances, I entered into a settlement agreement with Sallie Mae. The terms of the loan were intense repayment, but would relinquish the debt for a lesser amount. I agreed and fulfilled by end of the agreement, even though extremely difficult on me financially. 
Upon completing my end of the agreement, Sallie Mae had become XXXX. XXXX completely disregarded my settlement offer ( which I provided them proof of ), as well as, the fulfillment of the terms stated within the agreement ( also provided proof of payment ). XXXX continues to report these loans negatively on my credit, as well as, my fathers ( who was a co-signer ). The settlement offer includes him in the agreement. These years of negative credit reporting have costs me XXXX of dollars in unnecessary high interest rates on loans I 've been able to get for a mortgage, car, credit, etc. I have been repeatedly declined for credit due to these negative reportings, as has my father. 
I fulfilled my end of the agreement, only to be tormented, harassed, and penalized by this company. PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a XXXX XXXX XXXX from XXXX XXXX XXXX XX/XX/2017, since then the battery has died on the vehicle 3 times already. I have had the battery checked and the battery cells are fine. So on Monday XX/XX/2017 I called and spoke with XXXX who stated that it sounds like the alternator is going out and that they can finance the repairs which will be in addition to the {$380.00} I already pay a month!!!!! That is totally unacceptable seeing that I just paid to register my vehicle XX/XX/2017! I would not recommend this lot to anyone. I have to choose between paying my truck note or paying for repairs which I can not do every 2 weeks! Let a long can I afford either missing work or being late to work especially when I am making my payments consistently on time! 

After going back and for trying to figure out what was wrong, being told by the delearship and others who had tested both my alternator and battery that stated there was absolutely nothing wrong with my alternator and allowing XXXX XXXX to replace the 2-3 batteries  that they replaced I was tired and over the whole situation and allowed them to have the truck back after 11 months of XXXX ... .So before they picked it up the manager over XXXX called and tried to rectify the situation by saying.. '' Mrs. XXXX as I understand you are a highly valued customer with a great payment history and we want to try and help you ''. Yes of course they want to help after they are not going to receive another payment. However at that time I was able to obtain a more reliable vehicle from a lot I know for an absolute fact will get the job done. 

I am upset at the fact that after paying on time for 11 consecutive months I have a repossession on my credit that I totally disagree with. Not to mention the text messages from 'XXXX '' after they had already had the vehicle to try and prove a point to say it was nothing but the alternator after so many times of me either missing work or going later for an alternator their shop said was fine. 

I would like the repossession that is being reported moved off of all my credit buerau reports that it is being reported to.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiry deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX - XXXX
Product: Credit card or prepaid card

I contacted the company experian on the date of XX/XX/2023 and froze the card from making charges from when i became aware the day before. They did not take much, so I caught the problem in time and requested my credit report by mail so I could resolve the issue.
Product: Mortgage

My complaint is about an employee of Selene finance who came to our home in XXXX of XXXX and not only harassed my family but also went to my neighbors house and told my neighbors my personal business, we were eventually evicted from the home in XXXX of XXXX, the individual in question also worked as a realtor so he also ended up profiting from the harassment he endured! I made a complaint with the board of realtors that went nowhere.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The listed creditors have initiated pulls of my credit report without my consent and invalid information is being report. These accounts do not belong to me this is impacting my score. I've asked creditors as well as reporting agency to furnish information showing my consent to receive credit and they have yet to do so. According to federal law equifax is violating my rights as a consumer.
Product: Credit card

To whom it may concern, I first off want to apologize if I come off as rude, I am extremely frustrated because I have been trying to dispute a charge since XX/XX/XXXX with Comenity Capital Bank as per the email instructions that were given to me by the airline company. However, Comenity Capital Bank hasnt processed any of these disputes properly which now has placed me in this position, A YEAR AND A HALF LATER. 

I think the easiest way to understand this will be in chronological order as follows XX/XX/XXXX- I purchased airline tickets for {$240.00} with XXXX XXXX XXXX my Bed Bath & Beyond Mastercard. 
XX/XX/XXXX - I received an email from XXXX XXXX stating they ceased all future flight operations starting on XX/XX/XXXX due to filing XXXX  XXXX Bankruptcy. Per the email. They stated for me to reach out to the credit card company to request a refund. 
XX/XX/XXXX - I received a duplicate email from XXXX XXXX  stating the same thing XX/XX/XXXX - I filed a dispute with Bed Bath & Beyond XXXX XX/XX/XXXX- I received correspondence from Comenity Capital Bank XXXX XX/XX/XXXX requesting additional information. 
XX/XX/XXXX - I submitted all requested information to Comenity Capital Bank XXXX XXXXXX/XX/XXXX - XXXX still have not received any communication from the bank regarding this dispute so I re-initiated another dispute through customer care. 
XX/XX/XXXX - I receive an acknowledgement letter from the bank about the dispute. 
BY XX/XX/XXXX - I receive my paper statement showing the {$240.00} charge has been placed onto the account. I havent received any other documentation This charge was in dispute for over a year per my paper credit card statements. 
I tried to reach out again to dispute the charge in writing but then I received documentation that it's been longer than 60 days from the purchase..
Product: Credit reporting, credit repair services, or other personal consumer reports

Global lending services, though I have only been a little late once in XXXX of XXXX, since obtaining the loan in XXXX of XXXX, illegally reports to the credit bureau on the XXXX or XXXX day instead of on the XXXX day, which is required per the Fair Credit Reporting Act. Please address this issue and ensure that my credit report is reflecting correctly. I have attempted to clear this up with the credit reporting agencies. After calling Global lending services, at XXXX point, they stated that payments were due by the XXXX ( grace period ), as my payments are due on the XXXX, but they reported well before the XXXX day mark.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding identity theft, resulting in unauthorized accounts, inquiries, and addresses on my credit report. Despite my efforts, XXXX, Equifax, and XXXX have failed to address these inaccuracies. 

Fraudulent accounts include 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These actions violate FCRA, FDCPA, 15 USC 1666b, and Colorado state laws. Please ensure these agencies correct my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting opened date and payment history in this account XXXX Mortgage wrong, since this is inaccurate reporting please remove it from my credit report.
Product: Debt collection

Dear Sir/Madam, I am writing to file a complaint against VANCE & HUFFMAN LLC regarding a debt that has been inaccurately reported and pursued for collection. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c, I believe that my rights have been violated, and I request your assistance in resolving this matter. I have recently been contacted by VANCE & HUFFMAN LLC regarding an alleged debt in the amount of {$720.00}. However, after careful review of my financial records, I can confidently state that I do not owe any such debt to VANCE & HUFFMAN LLC or any other entity. According to 15 U.S. Code 1692c, if a consumer notifies a debt collector in writing that they refuse to pay a debt or wish for communication regarding the debt to cease, the debt collector shall not communicate further with the consumer with respect to such debt. I have sent written notifications to VANCE & HUFFMAN LLC disputing the validity of the debt and requesting that they cease all communication with me regarding this matter. Despite my written requests, VANCE & HUFFMAN LLC has continued to contact me regarding the alleged debt, which has caused undue stress and XXXX. Furthermore, they have reported this debt to credit reporting agencies, negatively impacting my credit score and financial standing. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against VANCE & HUFFMAN LLC for their violations of the FDCPA. Additionally, I ask for your assistance in having the inaccurate debt removed from my credit report, as it is causing significant harm to my financial reputation. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take prompt action to rectify this situation and uphold the rights of consumers under the Fair Debt Collection Practices Act.
Product: Debt collection

Why is it that, despite my diligent efforts to bring these inaccuracies to your attention, your bureau continues to report the same late payments, casting a shadow over my creditworthiness? I was the victim and Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. I am left questioning the sincerity of your commitment to aiding consumers in maintaining accurate credit profiles. The fact that the inaccurate late payments persist suggests either a monumental failure in your investigative processes or a deliberate negligence that borders on betrayal. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I demand an immediate and thorough investigation into this matter, along with a detailed explanation of the steps your bureau is taking to rectify these inaccuracies. It is inconceivable to me that a credit reporting agency of your stature can not fulfill its fundamental duty of ensuring the accuracy of the information it disseminates. I insist that you act promptly to remove the inaccuracies from my credit report and provide me with a written confirmation of the corrections made.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Fraudulent Activity and Demand for Correction on XXXX bank credit card I am writing to formally to dispute the fraudulent activity on my credit report from XXXX bank stemming from the unauthorized use of my stolen credit card. Despite my prompt reporting of the theft to the issuing bank and local authorities. Police Report Number : XXXX, Date : XX/XX/2023 Was filed would XXXX XXXX police department. TransUnion has failed to correct the erroneous information. Fraudulent Transactions : I Demand for Correction : 1. Immediately remove the fraudulent transactions from my credit report. 2. Correct my credit score to reflect the removal of these transactions. 3. Provide a corrected credit report to all entities that have accessed my report in the past 12 months. Failure to Comply : If transunion fails to comply with my demands within 14 days, I will : Report to the Federal Trade Commission ( FTC ). Pursue civil litigation under 15 U.S.C 1681 ( Fair Credit Reporting Act ). Seek damages for negligence, defamation, and emotional distress. You are hereby notified that I will seek relief under : 15 U.S.C. 1681 ( Fair Credit Reporting Act ) - 18 U.S.C. 1343 ( Fraud by Wire, Radio, or Television ) - State-specific consumer protection statutes Failure to comply will result in : - Actual damages - Punitive damages - Attorney 's fees and costs - Injunctive relief XXXX XXXX
Product: Checking or savings account

In XXXX  my account had reached {$0.00} due to Wells Fargo allowing a false check to be cashed under a different name. A claim was made. And funds were returned within 10 days.
Product: Debt collection

on  XXXX   XXXX ,  2014  I purchased furniture from  XXXX    XXXX   store #  XXXX . I if you paid it off in  one ye ar there would be no interest charged. They also automatically send you a credit card. The store and the credit card are separate. was not known at the time. I took my first payment into the store the day it was due. The clerk took my cash, which was {$140.00}. she gave me a receipt and I left. The next day  XXXX    XXXX   started calling me about my payment. that it was late and I would not qualify for the no interest agreement. I told them I paid in the store and I had a receipt. this was when I found out they were separate . S Th ey told me to call the credit people tell them what happened, they would refund the money then I could send it in to them. And there would be no problem, because it was the clerks fault not mine. So I did they sent me my money back, because i had never used the credit card. and never did. they took away the no interest because they said the payment was late. now years later a collection company is trying to collect {$140.00} plus interest. Now {$400.00} plus.