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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXXd now
Product: Debt collection

Regarding the accounts mentioned below, I would like to bring to your attention that it is being reported as a late payment accounts. However, I have reached out to the creditors regarding the validity of the debt, but they did not provide any proof. Therefore, I kindly request you to provide proof of the accounts being late and delete the negative payment status on this account. I understand that errors can occur, but incorrect details on my credit report can significantly impact my ability to own a home and have a negative impact on my credit score. I expect an updated credit report reflecting these changes within thirty ( 30 ) days. Dept Of EdXXXX XXXX, Dept Of Ed/XXXX XXXX XXXX Dept Of EdXXXX XXXX XXXX Dept Of Ed/XXXX XXXX, and Dept Of EdXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX response to consumer complaint # XXXX did not include the steps they took, or will take, to address your complaint. 
XXXX is actively and purposely engaging in an evasive and stalling tactic requesting information about what the consumer 's complaint is about. XXXX is well aware of the purpose of my complaint and their FCRA consumer reporting violation. I, the consumer have submitted my complaint at their website where a have a vetted verified account without a resolve. XXXX failure to resolve this issue is what has led to the CFPB filed complaint. The most previous CFPB filed complain concerning this matter was filed on XX/XX/year> Complaint # XXXXwith no resolve. XXXX must according to FCRA consumer reporting remove any and all incorrect information from the consumers ' credit file including all past history of such incorrect information. Furthermore, XXXX has exceeded 90 days to clear this matter up.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account does not belong to me. I have reached out to XXXX, Equifax, and XXXX  several time via mail in reference to this matter. 

XXXX  XXXX XXXX acct # XXXX amount- {$420.00} XXXX XXXX Acct # XXXX amount- {$770.00} XXXX XXXX XXXX Acct # XXXX amount- {$250.00}
Product: Mortgage

NewRez recently took over XXXX XXXX. They did an escrow analysis on XX/XX/XXXX, and I had a surplus of {$1100.00} which they sent me a check for. However, in that same analysis, they increased my payment from {$1700.00} to {$1800.00}. That made no sense, but I accepted this. Then, not even a month later, they did another escrow analysis on XX/XX/XXXX in which they stated my monthly PMI payment of {$80.00} which they always have and is the correct, normal amount. But then they also have a new " USDA Rural Housing '' line that is a 1-time payment in XX/XX/XXXX for {$970.00}. I have a USDA loan, but I have no annual item due to them, only the monthly PMI. If you were to divide $ XXXX/12 months, you would find that the answer is {$80.00}, which is my monthly PMI. So they are anticipating my PMI on a monthly basis, then charging my escrow account once per annum, in affect anticipating it twice. This caused a shortage, of course, and my payment has jumped to {$1900.00} when NOTHING has changed. So for 2 months ( XXXX and XXXX ) I've paid an overage of {$120.00}. I called NewRez 4 times over the past 3 months to get another analysis done because they made an error, and I was told several answers : It was part of my property tax ( incorrect ), it was part of a USDA tax ( no such thing ), I was told it would be done within a week and that person would call me to follow up ( that never happened, nor did I receive a call ), and I also got forwarded to a supervisor at my request which went straight to a voicemail that was full and couldn't receive messaged and then hung up on. This was after waiting 45min for the customer service rep to answer in the first place. This company is awful and should not be able to hold my money XXXX for months ( or a year ) at a time for their mistake
Product: Credit card

I have a Citibank MasterCard. I earn " Dividend Dollars '' ( " Cash Rewards '' ) for card usage. 
1 ) My XXXX monthly statement showed a Cash Rewards balance of {$95.00} ) As I did not use the card for sometime, no monthly statements were issued. 
3 ) My XXXX statement showed the balance to be {$49.00} ) I tried to find when and how my money was " eaten up. '' No help. 
5 ) I requested Citi to generate statements for some intermediate months. They did. But, these statements display no information on Cash Rewards balances. 
6 ) I called up a customer service rep. She was very helpful. But she could find no info on the missing money. She filed in a request. But I never got any money back. 
7 ) I told her about my unsuccessful efforts at writing a complaint letter to the customer service via secured email ( a standard feature that my other financial products companies offer ). She said that my account had no such feature ( she acknowledged that this was highly unusual ). 
8 ) Website informs ( please see screenshot ) Cash rewards you 've earned since being a Citi cardmember $ XXXXXXXXCash rewards you 've redeemed since being a Citi cardmember {$330.00} ) Currently, I have a balance of {$50.00}. So, the rest ( XXXX - XXXX - XXXX ) = {$56.00} was " eaten up '' by the bank. No trace! Request for info and efforts to get the money back meet stonewalling. 
10 ) Citibank recently paid fines to the Federal govt for bad practices. They do not seem to have learned their lessons. Cheating customers of their legitimate money seems to be their practice.
Product: Debt collection

I been getting non stop calls from this debt collector who can not validate the debt I recently sent a letter for validation but no validation was made, Instead They gave me a offer for a lower amount. I don't know who this company is never agreed to anything with them. I recently applied for housing and I was informed that my application was denied due to information obtained from a consumer credit report. Under the FCRA I have the right to Dispute inaccurate information if the credit report contained incorrect, unverifiable information, I have the right to dispute these errors.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and Equifax 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 a personal credit card account opened at XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, late payments and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 XXXX XXXX  ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

I went to school at the University XXXX. Each XXXX month semester cost me roughly XXXX $ in tuition + room/food /books to attend. The price of tuition raised every financial year and by the time I left I had nearly {$100000.00} in loan debt. I have tried to pay off over and over but ca n't keep up with the high payments. 
The loans are owned by the National Collegiate trust. In XXXX I lost my job like many at the time and hit hard times. I went without a job for XXXX years so my loans ended up going to creditors. I tried to work with the creditors but between trying to support my family and get myself back on my feet again I could n't keep paying. I kept trying to work with the creditors but finally it got turned over to a lawyer to attempt to collect this way. I need help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.
Product: Debt collection

Seterus continues to contact me after many months ago I notified them via the CFPB to stop contacting me until they can provide legal documentation regarding their servicing of the account. They have provide every document except anything that is any way legal and regarding the ownership and servicing of my mortgage. I have asked them several times to stop harassing me and have asked for the proper documentation multiple times as well and they continue to do nothing but harass me. 

I would also like the add that I never provided anyone my cell phone number regarding this account. XXXX 'farmed ' the number but assured me via the CFPB that they had removed the number from the account so I would also like to know how Seterus acquired my well protected personal phone number?
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of Equifax data breach. I want these item Deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit report. 
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
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian regarding their handling of a disputed auto loan account reported on my credit file by XXXX XXXX XXXX XXXX. Despite my repeated attempts to dispute this account, it continues to be verified by Experian without a proper investigation. 

I have provided substantial evidence directly to XXXX XXXX XXXX XXXX, which clearly demonstrates the inaccuracies in their reporting. However, XXXX has failed to take the appropriate action to delete the erroneous information. Moreover, it has come to my attention that XXXX XXXX XXXX XXXX has recently been involved in violating the Fair Credit Reporting Act ( FCRA ) by failing to correct inaccurate information provided to credit reporting agencies. 

Experian has solely relied on XXXX XXXX XXXX XXXX 's inaccurate and incomplete information, disregarding the documentation I have provided directly from the furnisher. This demonstrates that Experian has not conducted a proper investigation as required by law. 

The specific violations in this case include : Failure to Conduct a Reasonable Investigation : Under FCRA Section 611 ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute from a consumer. Experian has failed to fulfill this obligation by relying solely on XXXX 's inaccurate reporting and ignoring the evidence I provided. 

Failure to Correct Inaccurate Information : Under FCRA Section 623 ( a ) ( 2 ), furnishers of information are required to correct and update information that they determine to be incomplete or inaccurate. XXXX XXXX XXXX XXXX has failed to comply with this requirement, and Experian has not taken the necessary steps to ensure the accuracy of my credit report. 

Negligent and Willful Noncompliance : Under FCRA Sections 616 and 617, both furnishers and credit reporting agencies can be held liable for negligent or willful noncompliance with the Act. The failure of Experian to properly investigate and correct the inaccuracies in my credit report constitutes noncompliance with the FCRA. 

I urge the Consumer Financial Protection Bureau to intervene in this matter and ensure that Experian conducts a thorough and proper investigation into my dispute. I request that the erroneous auto loan account reported by XXXX XXXX XXXX XXXX be deleted from my credit report immediately. 

If this matter is not resolved promptly and satisfactorily, I will pursue arbitration for the violations mentioned above. Your prompt attention and assistance in this matter are greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fed loan Servicing is selling my information to another service provider and furnishing information to the Credit Reporting Agencies without my written consent which is in violation of the LAW. I have contacted them about this matter in 2021 but they failed to do anything.
Product: Vehicle loan or lease

I paid my auto loan off in full in XX/XX/XXXX. After all the payments went through I received an email from the company saying that the loan was paid off and the title would be sent to me. I got the title and a letter from the company dated XX/XX/XXXX stating that the loan had been paid off. There is a signature on the title showing Release of Lien from Ally Financial dated XX/XX/XXXX. I logged into my account XXXX last time at the beginning of XXXX to confirm that my balance was showing XXXX, which it was. 

Starting on XX/XX/XXXX I started getting calls from Ally saying that my account was now overdue. I also got a letter in the mail from them asking for payment on XX/XX/XXXX. Other than my title in XXXX, I got no other letters, emails, texts, or phone calls from Ally in regards to my Auto loan. On Monday XX/XX/XXXX I called and was transferred around several times before finally speaking to someone who said that my loan was indeed paid off and that it would be marked as completed, I would not be bothered by collections any more. I am still getting phone calls saying that my account is overdue and demanding payment, all recorded with no option to speak to an agent. When I try to call their customer support and speak to person I am transferred around and eventually hung up on without resolution to my problem. I am now extremely concerned that not only will my credit score be affected by them claiming I have a late payment ( even though my credit report shows the loan closed ) but that I will have to deal with the company trying to repossess my car, even though it is paid off in full and I have the title. I can not get anyone at the company to give me a straight answer and am sick of being hung up on without ever getting any sort of resolution.
Product: Payday loan

I 've been receiving a number of email from someone claiming to be associated with ACE Cash Express , Inc. A few were subpoenas to appear in court, and the latest is from a XXXX claiming that an arrest warrants has been issued unless I pay a settlement amount. The email includes such threats as reporting the case to my employer which WILL result in being terminated and blacklisted from any job. What a bunch of bogus. I do n't want others to fall victim to this obvious scam.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act Military Star Card, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I received an email from Capital One this morning telling me my account has been suspended and is scheduled to be closed on XX/XX/19. I called Capital One to ensure the email I received was even real only to find it in fact it was. I asked them to not close my account as I have a XXXX credit line and owe XXXX on the card. As you are aware this is 0 % utilization which helps my credit score which is already over 800 but this will pull that XXXX out of my total available credit and overall usage ( which is still incredibly low being around 2-3 % utilization ). Here are the facts : 1. Never paid a late payment on a single trade line. 2. 31 year same place of employment. 3. FICO over 800. 4. Total debt to income ratio is extremely low. I simply want to know why and understand how they are allowed to negatively impact my credit score for no cause other than i haven't used the card in over a year? UMMMM doesn't this sound like wise credit usage? Unreal and I would appreciate you looking into this or changing how my credit score can be negatively impacted EVEN if over 800 already based on decisions out of my control.
Product: Student loan

Here is the letter I sent them regading consolidation and now destroying our credit. 

XXXX XXXX XXXX : Good afternoon, my name is XXXX XXXX XXXX XXXX XXXX writing to you to express extreme concern, confusion, frustration and total disappointment with how we have been treated and serviced by Citizens Bank and XXXX XXXX! 

To keep this year long struggle brief, my son upon needing to repay his Student Loan back via a consolidation of multiple loans, XXXX, my wife and myself followed protocol to complete all steps as directed in order to get one loan payment and begin the process on his obligation. We were told a number of times that additional steps and information were needed to complete the application, to which we immediately replied to! We continued to follow up and told by representatives that the loan was in process or, the information was never received! We again followed up competing the information request and repeatedly were told it was not received! In addition in talking with other reps, they acknowledged that the information was received and the process was in place. This went on for several months! 

We now find ourselves receiving calls from Collection Agencies and Law Offices to work out a payment arrangement within a specific time, suggesting we exhaust our XXXX XXXX and mortgaging our home, as this has destroyed our credit. We were totally blindsided by these actions and we in good faith, co-signed for our son so he could receive financing to get a college education in this competitive world we live in! We are honorable people who never had any intentions for this to escalate to this level, or to mortgage our lives away as I am a few years from XXXX  and have had some recent health issues requiring XXXX. 

I ask of you to please take this into strong consideration and to have a one point of contact, qualified person to reach out to resolve this matter so we can do this as originally intended.

Your prompt reply would be greatly appreciated in hopes of your understanding our frustration and intent to resolve! 


Respectfully, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On ( XX/XX/2006 ) I was a part of a consumer credit transaction. I do not recognize this debt. Upon discovery I realized that I was Fraudulently damaged. 
Due to ( Title 15-1692A ( 3 ) ( Communication-1692A ( 2 ) ( CREDITOR-1692A ( 4 ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional. 

Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not initiate these inquiries in section 1681b ( c ). no permissible purpose. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. FTC attached XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on  X/XX/2016    thay was resolved as a company error by    Rooms to Go.  I recently pulled a credit report that showed I was deliquent on a payment I never owed. Please reopen the case as it was not closed propeely before. This must be cleared from the reporting agencies in order to raise my beacon score.