23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I did a loan modification with With nation star mortgage they told me not to pay my mortgage for XXXX months this was in XXXX  ever since then it destroyed my credit Ive tried to work with credit repair companies but its still on there and I also get threatening letters from nation star mortgage with my name on them and return to sender please any help on this matter will be greatly appreciated yours truly XXXX XXXX
Product: Student loan

It shows a past due in the amount of {$54000.00} on my credit report with no payments being made. I am current on my account and making monthly payments of {$55.00} each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Like 140 other million Americans, Equifax failed to protect my information. 
I signed up for the credit freeze service. 
I would like to apply for credit. 
Equifax has decided to use this as an opportunity to sell new services. 
When I follow a XXXX search to unfreeze my credit, I am taken to a page for myEquifax. 
I have to give them my private information before I can sign in to my account. Not safe. This is unlike any other situation with financial institutions, where you can only give out your info inside an encrypted account - often with double authentication. 
Once I give all of that info, it says " get a new account. '' Thus - their XXXX search responses are taking me to the wrong place. 
I have worked to unfreeze my credit twice, each time for over an hour. 
I can not get credit because of Equifax.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against XXXX, Experian, and XXXX for their failure to properly address and correct inaccuracies on my credit report. Despite multiple attempts to resolve this matter, the incorrect information remains, and the previous complaint has been closed without any meaningful resolution. 

These credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by not ensuring the maximum possible accuracy of my credit report as required under Section 1681e ( b ). Additionally, they have failed to initiate a proper reinvestigation of the disputed information, as mandated by Section 1681i, and have not corrected the errors, violating Section 1681i ( a ) ( 1 ) ( A ).

The continued presence of inaccurate information on my credit report is adversely affecting my credit profile. Despite my repeated requests for validation and correction, these inaccuracies persist, indicating a failure to follow proper procedures for dispute resolution. 

I request that immediate action be taken to investigate this issue and correct my credit report in compliance with the FCRA.
Product: Debt collection

Everyday around XXXX Arizona pst time UPSTART loans calls me and always wakes me up when I still dont have to be up for work yet. I know They are not suppose to call before XXXX XXXX  my time! But they always do! I have The screen shots of missed calls to prove it.
Product: Credit reporting or other personal consumer reports

n accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 1 ) XXXX XXXX XXXX, ( 2 ) XXXX XXXX XXXX. 15 USC 1681Section, 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Reporting Agency!!! still report inaccurate/incomplete negtive information on credit report!! 
Wilfully continues to reporting inaccurate personal identifiers Also have no account numbers on any of the account listed, How would I determine what business or account referring to.
Product: Student loan

I have been paying down my loan for years and have always been able to direct over payments towards the unsubsidized loan bucket. We are still in forbearance, and yet they notified me on my last payment I am unable to direct the full amount towards the unsubsidized portion of the loan. This is incorrect handling of my payment. The reason I am turning here is that it is concerning to me that they have made this change over a month out of forbearance ending. There have been five payments made this year all directed appropriately to the unsubsidized portion of the loan. This payment would not cause due dates to become out of sync because student loan repayment has not yet begun. 

I have attached the document sent to me by the loan servicer which is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy chapter XXXX-dismissed Reference XXXX ( XXXX, Equifax, XXXX ), Bankruptcy chapter XXXX-dismissed Reference XXXX ( Equifax, XXXX, XXXX ), XXXX XXXX XXXX XXXX Account # XXXX ( XXXX, XXXX ), XXXX XXXX XXXX Acct XXXX ( XXXX, Equifax ), XXXX XXXX XXXX Acct XXXX ( XXXX, Equifax, XXXX ), XXXX XXXX Acct   XXXX ( XXXX ), XXXX XXXX XXXX Acct XXXX ( XXXX, Equifax ), XXXX XXXX Acct   XXXX ( Equifax, XXXX, XXXX ), XXXX XXXX XXXX Acct XXXX ( Equifax ),  XXXX XXXX Acct XXXX ( Equifax, XXXX ), XXXX XXXX XXXX XXXX XXXX Acct XXXX ( Equifax ), XXXX XXXX XXXX Acct XXXX ( XXXX  ), XXXX Acct  XXXX ( XXXX ).
Product: Debt collection

On XX/XX/2018, I mailed a Validation of Debt Letter to the debt collector, TRANSFINANCIAL INC.

Stated in the letter, I asked for Original contract signed showing the reason for debt, and calculations of Debt.

I have NOT received a response. It has been 30days.

I have mailed a certified letter to the address reported to the credit bureau.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

SunTrust bank refuses to reimburse me for fees they took from my Signature Advantage checking account which is supposed to be free. I have talked with XXXX branch managers, XXXX XXXX and XXXX XXXX several time during the past six months since I discovered in XX/XX/XXXX that SunTrust was mistakenly charging fees from my account. Both branch managers said that the fees were charged in error, that they would make sure that the erroneous fees would be refunded to my account, and that they would follow up with me ; neither of which has happened. XXXX, XXXX, the current branch manager at the XXXX XXXX XXXX XXXX Location ( XXXX ) told me that Suntrust frequently mistakenly takes fees from free checking accounts, and that she has known about the problem for years. 

I 'm unable to determine the amount of money that Suntrust has erroneously taken from my checking account because their website only displays my account record since XX/XX/XXXX. As far as I can tell Suntrust has taken at least {$200.00} from my account, but it may be more.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an email that XXXX lowered my limit on my XXXX credit card from {$5500.00} to {$3300.00}. I rarely use the card and most often remains at a {$0.00} balance, but had just recently made some purchases, of which is being paid off within the next 30 days anyhow, however, the limit they lowered it to was barely over the new current balance. The statement period then ended a few days later ( statement period ended XX/XX/XXXX ) and a small interest charge then applied, but my balance was still below the new reduced limit of {$3300.00} ( with the new interest charges, the balance was {$3300.00} ). Aside from the fact the lowering of the limit then lowered my score by XXXX points ( lets note how absolutely counter productive that is to lower a limit due to a random score review simply because a card is used, to which then only causes the score to lower more! ), I then received an alert today XX/XX/XXXX that my score was lowered even more because they were reporting my card limit as {$3300.00}, not {$3300.00}, and with the new balance as of statement end date of XX/XX/XXXX being {$3300.00} it was reporting as over my limit to which then caused my score to drop an additional XXXX points!!! So not only did lowering my limit for no true cause my score to lower, but now XXXX is inaccurately reporting my limit as even lower AND that I am over my limit!! Which is absolutely untrue!! So this is either fraud or incompetence, either way needs to immediately be corrected. This has impacted a home refinance I am currently undergoing and if it does not go through due to this, my next stop is an attorney! Note : Ive had this same card with the same limit for over 6 years, never been late, rarely carry a balance and almost always pay in full within XXXX months XXXX. None of this recent actions are justified.
Product: Prepaid card

I bought American express e gift card. I tried to use it for online purchase with very low amount compare to the gift card. It kept getting declined by online store. It is a e gift card which I have no physical card. The card has XXXX balance, but I can't even use it to pay XXXX XXXX one time fee for my phone service. 

I called them they have no answer.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA I'm entitled to 1,000 dollars per violation and clearly they violated my rights.
Product: Checking or savings account

I opened a joint account with my son XXXX XXXX XXXX ) was a minor. When the account was opened, we opted out of overdraft protection. He has been having trouble canceling reoccurring debit card transactions. He already opened another account and moved all the funds to his new account and his joint account was {$0.00}. I confirmed when I called the Truist call center yesterday that the account was still opted out of overdraft protection. I asked why they approved a debit card transaction if we removed all the balance from the account prior to the debit card transaction since the overdraft protection was opted out. They stated they still approve reoccurring transactions. I asked them to provide a credit for the amount of the transaction ( {$23.00} ). They said they could not do that and could not dispute the transaction. I explained I didnt want to dispute the transaction. My dispute was with the bank providing an approval code for the debit authorization to the company without a sufficient balance and overdraft protection opted out. They should provide the credit themselves as it was their error. They said they could not do this. I transferred the money to my sons account so he did not receive an overdraft fee of {$36.00}. This is an unfair and deceptive practice and needs to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureau and explained that I was concerned that the information being reported by their agency was inaccurate and/or outdated. After what has now been more than XXXX days, there has been no response from the credit bureau but as I reviewed my credit reports and I see no changes. 

15 USC 1681e Section 607 b states that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 USC 1681 Section 602 A states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 

These are clear violations of my federally protected consumer rights.
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.

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 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.

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.
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federal protective consumer rights to privacy and confidentiality under 15 USC 1681 did my Experian credit report on XXXX XXXX, 2024 and noticed somethings are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable Procedures to insure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC1681 ( e ) ( b ) according to 15 USC 16815 ( 5 ) inaccurate or unverifiable information ( A ) in general after any navigation on the paragraph ( 1 ) of any information disputed by the consumer, and item of this information is found to be in accurate or incomplete or can not be verified, the consumer report agency shall ( 1 ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file on the consumer. And according to 15 USC 1681s-2 they are not to furnish any information relating to a consumer reporting agency it all has reasonable believe that the information is inaccurate. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Last XXXX XXXX XXXX To : Equifax Consumer Credit Bureau XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX wrote this letter to the Equifax Credit Bureau to reinvestigate these accounts on my credit report. I was a victim of Identity Theft. Someone stole my information and opened these accounts under my name. ACCOUNT NAME : XXXX XXXX XXXXXXXX OPENED XX/XX/XXXX A BALANCE OF {$7100.00}. XXXX XXXX XXXX  OPENED ON XX/XX/XXXX A BALANCE {$29000.00}. XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00}. 
THESE ACCOUNTS NEEDS TO BE REMOVE FROM MY CONSUMER REPORT. I never Authorized these companies to have access to my consumer report. I NEVER SIGNED OR RECEIVED ANY CONTRACT FROM THESE COMPANIES. I ALSO FILE A COMPLAINT WITH CFPB AND XXXX THESE ACCOUNT NEEDS TO BE REMOVE WITHIN 15 DAYS. 

ALSO YOU NEED TO BLOCK THEM FROM ACCESSING MY REPORT. 

I also filed a police report with the XXXX police department, I sent it to EQUIFAX last month. And my tracking number is showing that it was delivered and someone signed for it. I will look forward to this information being updated in the next 10 to 15 DAYS or I will have toTake legal actions against the Equifax Credit Bureau in the court of law. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX and XXXXXXXX XXXX XXXX really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against TransUnion. I have contact them several time by letter and via phone conversation. I also, sent a copy of a police report regarding the issue. I recently viewed a copy of my credit report and noticed that all of the inquires did n't belong to me and I did not authorize any of the creditors to pull my credit. I am requesting that they be removed from my report.
Product: Credit card or prepaid card

I trying to talk to them regarding the fees and interest fee so they can lower it down so I can paid off but they dont want it
Product: Debt collection

I was served papers on a XXXX debt that was not mine.I had to look up what XXXX was, I never heard of it before. I looked at my credit report and there was a XXXX debt of {$1400.00} along with a XXXX  XXXX debt. I contacted both companies letting them know this was not my debt. I believe this was in XXXX. After disputing both accounts the XXXX  XXXX balance went to zero and the account was closed. The XXXX debt was transferred to a collection agency ( Jefferson Capital ) after that. I have disputed it twice. Ive called Jefferson to let them know that this is not my account and not my debt. Ive also sent them a letter requesting information that proves I personally opened this account. They said that someone was making payments and that's why they believed the account to be mine. I asked them what address they had for this person and it was an address I've never lived at. Ive asked them for copies of the original agreement and they have not provided it. Ive also asked them for copies of my ID and any signed paperwork proving that I actually opened this account and they could not provide it. They did provide copies on the payment that came from a bank account ending in XXXX numbers that is not mine but did have the same name as I do, minus the middle initial.
Product: Credit reporting or other personal consumer reports

XXXX. XXXX is the only credit bureau I authorized to keep my credit report, to this effect I had a personal statemen, which the company removed without consulting me, and which I can not reinstate, because their web site does not permit any other personal statements than the ones they offer, XXXX, XXXX credit report does not list my addresses correctly, I am sick and tired of providing corrections via fax and mail, and they do not permit me to do over the Internet. WHY??? MAKES NO SENSE, as much of what those credit bureaus do, 3. During the month of XXXX, I had THREE unauthorized report inquiries, each of which reduced my credit XXXX by XXXX points, One of them was from XXXX, another from XXXX, and the thirds from the company I have never heard of, The companies, of course, do not reply to the reports of their misdeed. XXXX DOES NOT PERMIT TO FILE THOSE DISPUTES ON LINE, NOR TO CONTACT THEM ONLINE, WHY? TO WASTE AS MUCH OF OUR TIME AS POSSIBLE? 
XXXX, I am XXXX XXXX and I am sick and tired of the credit cards and Credit Bereaus abuse, I DO NOT HAVE ANY MORE TIME TO WASTE ON MONITORING AND DISPUTING THE IRRESPONSIBLE CREDIT BEREAUS, WHO CAN NOT EVEN KEEP THE SAME CREDIT SCORES FOR ALL OF THEM, They need to multiply their abusive organizations? It is their responsibility to make sure that they reporting the same scores and the same data, AND THEY MUST BE FORBIDDEN FROM SELLING OUR PERSONAL DATA TO WHOEVER THEIR WISH,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX  Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I was charge a late fee on my mortgage which resulted in reducing my credit score for XXXX points. I have never received a letter and disputed charges twice. XXXX  bank failed to provide me with proof with certified delivery. I asked to forgive my late fee since i never received a letter they denied my claim. I feel this wasn't truly fair. I have never missed payment in 25 years and have perfect XXXX XXXX of XXXX. Help me to solve this.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was rep

orting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Mortgage

The XXXXXXXX XXXX  gave me their contact because I have had problems paying my mortgage I have the month of XXXX and XXXX without being able to pay and the amount is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting at XXXX, TransUnion, and XXXX has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

According to the 15 USC 1681 section 602 ( a ) state I have the right to privacy.

According to 15 USC 1681 ( b ) ( 2 ) I didn't give any of these accounts written permission to furnish them on my credit report.

I have document attach with the list of accounts