23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have found several errors on my credit report via Trans Union. I asked Trans Union to investigate, but they have refused, stating it was my responsibility. 

I forwarded to Trans Union a copy of the Fair Credit Reporting Act Fact Sheet stating that is was their responsibility, and asked them to do so. To date they never responded. 

These regard XXXX inquires made to my account. Neither of which are mine, as I have not applied for credit in approximately 1.5 years. To date, there is only XXXX inquiry which I authorized in the last XXXX years, yet inquires keep appearing on my account. I have credit tracking through Trans Union so I know when a new inquiry is logged. XXXX recently came up even though I have not applied for any credit. 

I have informed TransUnion that I believe these to be fraudulent and I wanted them investigated. They have not responded. 

I would request the FTC / CSPB t0 please enforce the FCRA and have Trans Union remove these inquires as it has been well over 30 days since I made the inquires and they have not provided any documentation that they are mine and they are negatively effecting my credit.
Product: Consumer Loan

BBVA Compass-I have a car loan thru this horrible company. Today is XXXX and I called to make a payment. I knew I was late and I was prepared to pay a late charge. The representative stated that I had a late charge from XX/XX/XXXX too! In XX/XX/XXXX, I called and made that payment thru a representative. Not once did he/she mention a late fee! No one has called about this late fee. I have not received a letter. Nothing! How can they assess a late fee and never tell you?!?! I refuse to pay a late fee that I was never informed of.
Product: Credit reporting, credit repair services, or other personal consumer reports

BANK OF AMERICA IN THE XXXX AZ AREA PHONE ME TO VERTIFY IF I GAVE PROMISSION FOR XXXX XXXX TO SEEK A LOAN IN THE AMOUNT OF {$5000.00} IN MY NAME. I HAVE NOT GIVEN ANYONE PROMISSION TO USE MY IDENTITY. THE ACCOUNTS IN WHICH SHE ATTEMPTLED TO OPEN ARE - XXXX AND XXXX. CONSIDER THIS A COMPLAINT. FOR I DIDN'T GIVE XXXX XXXX PROMISSION TO USE MY IDENTITY.
Product: Vehicle loan or lease

United auto credit corporation, opened an account for someone in my name, then after approving the loan under one social security number they changed the number after loading the loan. They did not verify the identity of the the party. I have never purchased a car from them
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my credit score as XX/XX/20 in XXXX  is XXXX and in XXXX  is XXXX but when I check my credit score on Experian is XXXX it makes no sense, I believe Experian is lowering people 's credit scores in a way to force people to buy the Experian Credit Boost propaganda, the credit scores starting to look very different from XXXX, XXXX  to Experian, when Experian started to promote the boost the Experian credit score service. 
Please help me and look into this. In my opinion Experian is lowering people 's credit scores to sell their Credit Score Boost Service.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/1994 This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute to Equifax by mail on XX/XX/2022. No response to that dispute. Submitted a dispute electronically ( confirmation # XXXX ) on the Equifax website and the dispute was completely almost instantly with no corrections. I have a multitude of inquires on my account that need to be removed. None of these accounts disputed have my permission to pull my credit and are not attached to any open accounts either.
Product: Debt collection

I told Navient I could only pay {$50.00}. I am in school and to defer and they said I had to pay and they would not take the {$50.00}. They refused it every time. I just had a XXXX and they keep calling and the are calling and being rude and childish and playing on my phone and running up my XXXX XXXX. The stated they will not stop and if this continues I will be paying Navient home office a not pleasant visit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had two collections account that was added to my credit report. These two account has already been resolved. The account includes XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX with the amount of {$910.00} and {$610.00} respectively. 

I also have two account credit card enquiry by XXXX XXXX in which on two occasions they were both approved without my consent in the space of 6 months, one happened in XX/XX/XXXX and XX/XX/XXXX There is also XXXX XXXX XXXX on XX/XX/XXXX which I had no idea of the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX  Account # XXXX, XXXX  # XXXX, XXXX  # 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 states a consumer reporting agency can not furnish a account without my written instructions.,
Product: Debt collection

I'M NOT REALLY SURE HOW I CAME INTO CONTACT WITH XXXX XXXX XXXX COMPANY, BUT AFTER AN AGENT REPRESENTING THE COMPANY CAME OUT TO MY HOME, COMPLETED THE CONSULTATION, I WAS INFORMED THAT I QUALIFIED FOR SOLAR. MY CREDIT WAS RAN AND I WAS APPROVE FOR FINANCING. THIS TRANSPIRED IN XXXX OF XXXX. SEVERAL MONTHS WENTS BY WITH NO CONTACT IN XXXX OF XXXX I CALLED THE NUMBER ON THE CONTRACT THAT WAS LEFT AT MY HOME FROM THE INITIAL VISIT AND WAS INFORMED THAT THE INSTALLERS WOULD ARRIVE THE FOLLOWING WEEK. THEY DID ARRIVE AND THEIR WORK VAN HAD LOTS OF EQUIPMENT IN IT AND ON TOP. I WAS EXCITED THAT MY SOLAR WAS BEING INSTALLED. SOLAR PANELS WERE INSTALLED AND A BOX SIMILAR TO FUSEBOX WAS MOUNTED ON THE SIDE OF MY HOME, NOTHING ON THE INSIDE OF IT, JUST THE BOX. I NEVER HEARD ANY MORE FROM THE COMPANY. THEN XX/XX/XXXX SPRUCE FINANCIAL BEGAN CALLING ME DEMANDING PAYMENT. I REQUESTED THAT THEY HAVE THE COMPANY COME OUT AND COMPLETE THE JOB. THEY TOLD ME THAT I OWED THIS DEBT AND I NEEDED TO PAY IT. I ASKED THEM DID THEY HAVE A NOTICE OF COMPLETION AND THEY STATED YES. I ASK DID THEY HAVE MY SIGNATURE ON A NOTICE OF COMPLETION FOR WHICH I WAS PUT ON HOLD FOR SEVERAL MINUTES. A REPRESENTATIVE RETURNED TO THE LINE AND SAID I'M SORRY BUT YOU HAVE TO PAY THIS DEBT. I EXPLAINED THAT I NEVER SIGNED AND WHY WOULD THEY PAY A COMPANY FOR INCOMPLETE WORK. I FEEL THAT THEY WERE WORKING AS A TEAM. THE COMPANY MAKES THE SALE, THE SALESMAN MAKES THE COMMISSION, AND NO MATTER WHAT, I'M ON THE HOOK FOR THE DEBT.MY CREDIT HAS TAKEN A SERIOUS BEATING. MY CREDIT RATE DROPPED OVER XXXX PTS. I'VE ATTEMPTED REFINANCING TO NO AVAIL DUE TO THIS XXXX DEBT. MY MORTGAGE COULD BE CUT IN HALF IF I COULD REFINANCE. I DON'T KNOW WHAT TO DO. IF I SELL, I HAVE TO PAY THE FINANCE COMPANY, LOSING XXXX IF YOUR ORGANIZATION CAN NOT HELP ME, PLEASE TELL ME WHERE I CAN GO.
Product: Debt collection

I was notified of a new line of credit on my credit report. It was from Credence which is a debt collections agency. I contacted them to see what it may be from and was informed that I owed XXXX XXXX XXXX XXXX {$1800.00} for devices that were purchased in XXXX of 2022. I have never had an XXXX XXXX XXXX XXXX account or used them to purchase devices. I was provided an address in XXXX, MI and phone numbers by the credit reporting agency that did not match my information currently or at the time of the theft.
Product: Debt collection

My mom recently found out that there was a debt that was owed to XXXX in the amount of {$280.00} which was due to Identity Theft. This information was found out after a credit check was done through XXXX XXXX  XXXX XXXX in XXXX, Michigan. My XXXX mother had been on the waiting list for 2 years. Now, due to identity theft, Jefferson Capital system is holding her up from getting into the apartment that she has been waiting on. Jefferson Capital system was called and told that we contact the Federal  Trade Commission to file an identity theft report. Because the amount that was due on the XXXX was not my mom 's. My mom was not in Michigan during the time that these changes were made. Jefferson Capital systems were asked to send a letter to XXXX XXXX XXXX, stating that they are aware that the charges that were made to XXXX were due to Identity and that the charges will be deleted. Per XXXX at Jefferson Capital system states that the XXXX charges would be deleted from all three credit bureaus week. Unfortunately, Jefferson Capital system refused to send a letter, which is causing my mom to go back on the waiting list until something else is available. Which could be a long holdup for my mother.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

On XX/XX/XXXX, my insurance agent sent the invoice for my homeowner 's to my mortgage servicer, AmeriHome. The email was verified with a customer service representative that I called on XX/XX/XXXX. Her name was XXXX. It was not a great call. Due to the non-payment from AmeriHome, I had to start a new application and the premium went up. She stated that AmeriHome would not be paying the difference if it increased. It did increase from {$910.00} to {$950.00} annually. After she refused to escalate to a supervisor twice, she transferred me to the insurance department and provided the number for them. I was only hold for about an hour and suddenly there was a busy tone. I called the number XXXX provided and a recording stated that they were now closed ... Since my home was not insured for this time I felt the urgency to get a hold of someone immediately. I emailed a complaints or compliments email that I found online and made them aware of the situation. I received a response, that they would overnight my payment to the insurance company and that I should be credited. I have yet to see the result of that. It is very concerning as a first time homebuyer that my taxes and insurance be paid on time especially since I am making my mortgage payments on time and even early. This is our first month dealing with them and our first payment was due XX/XX/XXXX and not a very positive way to start a 30 year relationship. I am disappointed non the least and nervous that going forward I will have to constantly check to ensure that my insurance and taxes are paid.
Product: Payday loan, title loan, personal loan, or advance loan

The amount shown is doubled than what I borrowed
Product: Debt collection

I have tried on two previous occasions to dispute this account through XXXX but they keep verifying it. I have never heard of this company before it showed up on my report. I have received no phone calls and no mail from them. I have not been given the opportunity to ask them to verify the debt and, while XXXX says they've verified it, no details are given to me about how. Simply, it's not my account and this company has made no effort to prove it is. 

In addition, this company has reported to XXXX  that they turned THIS account over to collections. So instead of showing as a collection account, it shows as an account I opened ( I didn't ) and shows that they've turned it over to collections. They are also REPORTING MONTHLY THAT THE ACCOUNT IS DELINQUENT. As in, they are reporting a missed payment every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX, I initiated a transfer of {$3500.00} out of an investment account to a different bank. The micro-deposits to verify the account were successfully completed, and the {$3500.00} was removed from my Betterment investment account. When I still had not received my funds into my checking account on XX/XX/XXXX, I called and emailed support. After a lengthy process of using the online chat, email, and phone calls to support, I learned that Betterment was requesting further verification of my account. I completed this verification step and reached out via email, chat and phone for support on XX/XX/XXXX. I have called every day since, but I have not received any response from Betterment. 

This morning, I called Betterment support and asked to receive a call back when I reached the front of the queue. I received an automated call back 90 minutes later, answered the phone, and continued to sit on hold for 5 minutes before my call was disconnected without anyone answering.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello i have inquries on my report i have no idea about and i call experian about the problem and they telling me its nothing i can do about and i say oh yes i can ... inquiry ... XXXX ... XXXX ... .XXXX ... XXXX XXXX ... .XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX  XXXX ... XXXX credit/XXXX ... XXXX   XXXX  ... XXXX XXXX ... XXXX XXXX  XXXX ... XXXX ... XXXX XXXX XXXX ... XXXX XXXX XXXX ... XXXX/XXXX ... these are all the fraud inquiries i seen can somebody plz tell these people to remove these its aginst the law ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file this complaint because XXXX XXXX Transunion have failed to respond to my request to remove multiple inquires from my credit file that were not authorized. There are numerous inquiries showing on my credit report that I did not Authorize! I have disputed them over 4 times as well as made numerous phone calls regarding this matter and I get the same response few days later. This further lets me know they have not verified these inquires and continue to send me the same generic response. I have asked for signed consent from myself to any of the companies listed verifying I have giving authority to have my credit pulled which I have yet to receive. I am submitting this complaint with you today in hopes that you can help me! 

I understand that the FCRA states that the only permissible reasons for pulling someones credit is for : Firm offers of credit, Insurance, Employment and court order, none of the listed permissible reason apply to me. As I have NOT authorized anyone written, implied or verbally to pull my credit. I also am aware that Credit Bureaus are not allowed to put an entry on my file unless I have authorized it. I
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has made it difficult for me to dispute the hard inquiry on my credit report, THEY DONT HAVE ONLINE DISPUTE OPTION, they pulled my credit twice for one mortgage application as well which ended up lowering my credit XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LoanCare/XXXX XXXX  company placed my mortgage under bankruptcy that was discharged on XXXX. I have paid on time since opening the loan in XX/XX/XXXX. I have talked with them several time and they refuse to report my on time payments since XXXX. I did not include my mortgage in the bankruptcy but they say it doesn't matter. They said they will never report my payments to the credit bureau 's. I can't refinance for two years so i'm losing valuable info on my credit reports monthly. Also I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX veteran.
Product: Credit card or prepaid card

I called a couple of months ago to change my account information on where my payments will be coming out of it. I thought the agent did this but DID NOT change my information which resulted in me getting a overdraft fee to my bank account. This resulted in my bank closing that account and also me getting kicked out of the a hardship program. I DID NOT receive any communication letters regarding me being removed from the hardship program at all. I had to call XXXX XXXX where I found out this information. 

I just called and they just told me that the pulled a phone call and said I never told them I changed it WHEN I KNOW I DID! THEY DID NOT SEEM TO CARE THAT THEY OVERDRAFTED MY BANK ACCOUNT. I have been calm on trying to fix this situation and there is too many people giving the wrong answers. I KNOW FOR SURE I CHANGED IT BECAUSE THERE WAS NO MONEY IN THAT ACCOUNT!!!! Once again there was no communication letters regarding any of this. ALSO THEY DRAFTED MONEY OUT OF MY ACCOUNT AND NOBODY SEEMS TO KNOW WHY! I HAD TO DISPUTE THE CHARGES WHICH XXXX WAS TRYING TO FIX! I'M SICK AND TIRED OF THE RUN AROUND.
Product: Student loan

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, The XXXX XXXX XXXX XXXX XXXX XXXXXXXX. As a matter of fact, XXXX XXXX was investigated by The U.S. Department of Education. 
Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I was able to file a XXXX XXXX claim with the Dept. of Education against XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and my XXXX loans of {$39000.00} were XXXX and my credit repaired. 
My XXXX XXXX XXXX was also part of the XXXX XXXX XXXXXXXX settlement for which I was a full class member. 
I am aware that Navient was sued by XXXX state AGs regarding their predatory loans to attend these online for-profit schools and that XXXX XXXX/Navient were XXXX " preferred '' lending company in a " deal '' with these schools during the early 2000 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for XXXX months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. After the XXXX settlement, didn't Navient also get out of the XXXX student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the XXXX student loan borrowers for not informing students of XXXX payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed XXXX XXXX claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!
Product: Checking or savings account

My company closed our accounts with Bank of the West on XXXX. 
A business line of credit. 
One year later, BMO acquired Bank of the West on XXXX. 
BMO opened a new business line of credit and a business credit card without our company 's initiation or approval. 
When questioned, they misled me. They claimed they didn't know how these accounts were opened so my identity must have been stolen. 
There are no other instances fraud so I believe BMO is not being honest.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is an add-on to my  XXXX   XXXX  compla int re Equifax credit reporting agency because for the past 2 weeks I 've been unable to log into my cfpb a ccount and the password reset links sent to me are non-working.   Equifax is reporting personal information on my credit report that is incorrect and or outdated. Equifax does not need to report addresses that are more th an 7 years old. I h ave never had an address that included  XXXX   XXXX  Equifax is reporting various names for me that are not my name. It is reporting incorrect and/or long outdated employer info. I am retired. Equifax is including a partial social security number on my credit report which makes it that much easier for someone to steal my identity. It also reports my full middle name, which I do n't use on any of my accounts. The more unnecessary info that Equifax displays on my personal credit report, the easier Equifax makes it for identity thieves to use my identity to file fake tax returns, etc.