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

I submitted CFPB complaint XXXX on XX/XX/2020 and complaint XXXX on XX/XX/2020 about information missing on my Experian credit report regarding my XXXX XXXX  credit card ending in XXXX. XXXX XXXX  sent me the same response on both complaints that they determined an update to Experian is appropriate and they have already communicated the correct info to Experian but so far nothing has reflected on my report. I attempted to contact XXXX XXXX regarding this by calling the numbers listed in their response and all I got was front line customer service representatives with no access to such information who kept transferring me from one department to the other. 

Attached are both complaints responses from XXXX XXXX by someone named XXXX with the office of the president who promised that the reported information will be corrected but it wasn't and she didn't share her direct contact information.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting

Transunion 's credit report is filled with false information which has damaged my credit score. Per their instruction via telephone, on XXXX XXXX, 2016, I mailed them a letter stating the corrections that needed to be made and attached proof of my identity.They had told me that they would contact the creditors and have the problem fixed within 5 to 7 days. I continued to receive credit reports that carried the false information so I contacted them again by phone today, XXXX XXXX, 2016. A supervisor, XXXX, told me that they only contacted the creditors 9 days ago! Due to my false lousy credit score, my home insurance policy premium was raised. My husband and I applied for a small ( {$5000.00} ) line of equity and could not be approved due to my score. The other XXXX credit bureaus show none of the false information that is on my Transunion report. Unfortunately, this is the company everyone refers to and I ca n't get them to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contacted the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$210.00} It seems that the following information reported is incorrect : account number, payment status, and date open. Please check the Payment History information of this account. The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. Thank you. 

XXXX  XXXX Date opened XX/XX/XXXX XXXX {$3900.00} There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
Negative Accounts 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason of this complaint is that my credit is being extremely affected. I am very surprised and concerned by your actions. I need you to take this matter seriously, and send me a response. The emotional stress that I am being through because of this issue, has taken me to get psychological attention. 

If after reading my letter, you decide not to REMOVE THE FOLLOWING ITEM FRO MY CREDIT REPORT, I will not hesitate one second on filing an arbitration process against your company. 

Account information : XXXX XXXX, opened date : XXXX XXXX, XXXX, closed date : XX/XX/XXXX, highest balance : {$25000.00}. 

The company has agreed to delete and is out of business. I want my financial freedom back and it is my right to have your assistance. TransUnion is the only credit bureau agency reporting this item. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I became aware by a vendor pulling my credit that WFC mortgage was reporting be deceased ( on a mortgage that I satisfied in XXXX ). I have disputed this information now four times with XXXX and WFC. XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX. In each instance WFC reports that I am alive, that the loan is satisfied, and then the next day the information is re-entered incorrectly. And my credit report is erroneously reporting me deceased. 

As such, no one can pull my ( XXXX ) credit. I am currently starting a business and have no access to credit. It is causing me a lot of XXXX and XXXX, my life savings is tied up in this business and in the eyes of the credit agencies I don't exist. 

WFC is probably recording me dead because my wife ( deceased ) was on the mortgage in question that was satisfied. This doesn't answer why this is coming up six years later. 

My wife 's name was XXXX XXXX XXXX Her XXXX was XXXX XXXX XXXX My legal name is XXXX XXXX XXXX XXXX XXXX XXXX The WFC loan number is XXXX It has been purged from their system as it is so old. 
I have been dealing with a complaint specialist at Wells Fargo named XXXX XXXX his fax is XXXX XXXX XXXX I have also spoken to his manager named XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

ID THEFT REPORT ATTACHED AND MAILED OUT AS OF XX/XX/2022... ALL DATES/LOSTED ACCOUNTS ..... 
XXXX XXXX XXXX  ( any and all ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX attached...
Product: Credit reporting or other personal consumer reports

I need you to verify my report well, because I dont recognize these acconts and these inquirys. 

Inquiryss : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are showing on my credit report a negative impact a termination of a car lease agreement ( that ends XX/XX/2020 ) on my credit. According them the information that XXXX provided is the information that they have, that I am delayed 30 days. I contacted XXXX and they said that there is no balance and they have sent the correct information to the different credit offices. 
This is causing a big problem, since my car insurance took this in consideration for a policy on a new car that is starting in XXXX and the price is really high. A credit card ( Master Card ) sent me a letter that the account is closed because I am showing a delayed payment. 
I paid last month my credit cards and current my credit card usage is 7 % and I didn't receive positive points. 
They subtracted points from my credit score .because the XXXX payment ( XXXX ) is past due which is not true.
Product: Student loan

Navient, also known as XXXX XXXX, has repeatedly been unhelpful and predatory against me. In this instance, I only have XXXX XXXX XXXX XXXX with them ( ~ {$5600.00} or so ) and am in a tough financial situation and can not afford to make payments at this time. I am a stay at home mom and DO NOT HAVE AN INCOME. I was making payments around {$90.00} up until a few months ago ( despite not having a job ) but can not afford this any longer. I called them, spoke to the " XXXX '', explained my situation and they DECLINED to help me in any way. I asked if they can lower the payment - their answer was continually " NO '' because they claim it is " under {$100.00} ''. I then asked if they can lower the interest rate ( which is beyond ridiculous at 15.725 % ) and they also said " No ''. Last, they can not grant me forbearance because I have used it in the past. Well, I 've exhausted my options and can not pay. Now they continue to call me, bombard me with emails and I am ready to file a lawsuit if they do n't stop harassing me. This should be illegal and they need to either help students or eliminate this sort of shady business because this is not what education is about. Please have them stop harrassinf me and put this loan into forgiveness because I was defrauded by my school XXXX XXXX XXXX XXXX XXXX XXXX. I am also in contact with the XXXX of Illinois and the XXXX Attorney XXXX regarding these issues.
Product: Checking or savings account

I received a promotion from Citibank stating if I open a new checking account and make deposits and use my ATM card within 90 days of opening the account, I will receive XXXX air miles WITHIN 30 days of meeting these requirements. 

I met these requirements as acknowledged by Citbank, but they will not honor the within 30 days clause and tell me that they will make it 90 days. I have escalated this showing them the promotion i was offered. They will NOT honor their own promotion. I have travel plans that I was counting on these airmiles and Citibank decides to change their own rules as they desire.
Product: Checking or savings account

In XX/XX/XXXX I set up an automated external transfer from a Synovus Checking account to a XXXX Savings account in the amount of {$5000.00} on Mondays weekly, through the Synovus Mobile app. I had some {$36000.00} in the account and my intention was to close it eventually. 
In XXXX, when I saw the funds were below {$5000.00}, I attempted to stop the automatic transfer. I could not find any way to do this through the app. It was the weekend and the offices were closed, so I intended to call during the week to stop the transfer. I incurred an overdraw fee of {$36.00} when I attempted the transfer. On XX/XX/XXXX, I called their offices, and the transfer was stopped through a stop payment order, which incurred a " service fee '' of {$36.00} that I was not informed about. 
The transfer was also shown as a transaction in their system and on my account, and it was referred to as such by the employees I spoke with. This seems to be part of the issue as well. 
On XX/XX/XXXX I attempted to make a one-time transfer of {$500.00} to get the majority of the money left in the account out, but my account was locked. I then called them again, had the account unlocked, and asked for the service fee to be removed from the last call. Synovus complied. 
On XX/XX/XXXX the automated {$5000.00} transfer was attempted again and incurred a returned item fee. On XX/XX/XXXX, I called them again. The first woman I spoke to was quite nice. I was referred to their dispute department, where I was talked down to about being unable to remove the automated transfer myself, and was condescendingly told that the representative was waiving the service fee. Apparently, despite the representative supposedly removing the transfer, the only cavemanlike solution was to lock my account again. 
I will be closing this account asap, mostly due to being removed from the area Synovus covers but also now due to this inane treatment, I've experienced, along with their horrible mobile app.

I don't seek any resolution. This is just an obnoxious situation I do not want anyone else to experience. Someone less aware might lose money due to these obnoxious fees and stupid systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I contacted Experian to inquire about why credit score dropped 27 points when I paid off two credit cards. I attempted to contact them via telephone and was unable to reach them after multiple attempts. I was finally able to reach someone via chat after being forced to purchase their product to inquire as to why my score dropped. The agent was not helpful and couldn't provide a valid reason why such a steep drop. I have attached a copy of our chat for your review. 

I'm filing a complaint against Experian to force them to explain their seemingly fraudulent algorithm that penalizes consumers for paying off debt. I currently have three positive revolving lines of credit and my score should not have decreased by 27 points for paying off my credit cards. 

Experian own website states that credit card utilization is best when card usage is lower ; see screenshot. So why did it drop 27 points when in fact it had been increasing over the past 5 years? 

Any negative information on my file that was previously there was years prior and did not affect my score when it was on the rebound. To the best of my knowledge except for " old '' disputed accounts my credit report is accurate. What is not accurate is my credit score based on previous history. 

Over the past few years my Experian score increased to XXXX by ensuring all my creditors were paid on time. So it seems highly illogical possibly borderline fraudulent that my score would decrease when I paid off my credit cards. Experian reasoning to reduce my score due to low credit utilization contraindicates their stated message of " keeping a low balance will increase your credit score ''. It also doesn't explain such a huge drop in score. 

You can't reach anyone via telephone at Experian and their chat is useless. However, they charge you money to view your credit report with no intention of assisting you if an issue arises. 

Here is the most ironic thing I used their score simulator to see what my score would be if I paid off my student loan and my score only increased by 20 points??? How is that possible? For clarity if I pay off {$500.00} credit balance my credit score decreases by 27 points, however if I pay off a six-figure student loan my score only increases by 20 points??

Whoever Experian hired to write their algorithm program created a flawed or fraudulent product which prevents hard working individuals such as myself from moving forward in life. I have attached a sample list of other complaints by consumers criticizing credit bureaus like Experian for reducing credit scores after paying off a debt. 

During these times I can not allow my score to be decreased due to misleading and false information advertised on Experian website. To resolve this issue I am requesting that my 27+ points that was deducted from my credit score be added back to my current score of XXXX.
Product: Checking or savings account

Dear Sir/Madam, I received a promotional bonus offer letter from TD Bank on XXXX, saying if I open a TD Beyond Checking and make direct deposit funds of {$2500.00} or more, I can then receive a {$300.00} bonus ; similar if I open a TD Beyond Savings and deposit and maintain a daily balance over {$20000.00} for 90 days, I can also receive a {$200.00} bonus. I have completed the checking offer requirement by XXXX and the savings offer requirement by XXXX, but as of today, I still didn't receive either bonus. 

After contacting TD bank, I received the following statement : " Upon review, this account was opened using our Direct mailer campaign site. This was not an online offer. '' " In order to qualify for the Direct Mailer campaign, you must have received a mailer and the name and address on the mailer must match the name and address on the account. These offers are not transferrable. Unfortunately, the account does not qualify for a promotional bonus. '' It is absurd that I indeed received a mailer/letter on XXXX as I mentioned in the very beginning, and I followed each step to complete the requirement, but still could not receive the bonus. I would like CFPB to be involved in this case, and please help me to reach out to TD Bank, and further investigate this situation. I have attached the mailer I received as photos in this complaint. 

Thank you very much, XXXX XXXX
Product: Credit card

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Debt collection

I have called this company numerous times in the past month. I have asked for a partial Lien release and NO ONE will call me back or call the title company i gave the number and email to. I was told a lawyer would call me and nothing. Title company has called and she ( XXXX ) can not get any turn calls. 
They are breaking the law! My rights as an XXXX!! 
Its against a the law in Texas to place a lien on a XXXX! 
They will not correct the problem! 
This company is a joke and fraud!!!!!!!
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : I am filing this CFPB complaint to request that Equifax XXXX pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), block information on my credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX These accounts have led to several unauthorized hard inquiries and fraudulent collections on my XXXX credit report. All these accounts, collections, and inquiries are the result of identity theft and fraud. 

Enclosed is a copy of the FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all the mentioned credit accounts, collections, and inquiries are due to identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX pm XXXX : XXXX in XXXX dep with OMF Even after my long winded troubles with One main financial, wrongfully categorizing my loan. Even after not helping me fix the vehicle which is tied to their loan, I still forgave. Now Ive come to find out theyve had my loan reported XXXX to credit bureaus for some time now. 
XXXX loan. Reported doubled. 
And I had to find out on my own after looking elsewhere for financial assistance. 

Its has been Causing a negative affect on my scores and I had no idea. 
And of course, they still cant offer any help. Just an apology.
Product: Debt or credit management

My credit card monthly payment was {$40.00}. It is now {$130.00}. I'm not understanding the the {$90.00} increase when the balance was still the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX21 XX/XX/XXXX2021 and XX/XX/XXXX21 I sent a letter regarding an accurate in unknown things on my credit report. To this day over 60 days later. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section ( a ), its is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted properly. I demand these accounts be DELETED immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXXXXXX XXXX. I received my PPP loan from SBA, the next day at XXXX XX/XX/XXXX someone changed my phone number and email in cash app. I seen that someone changed it and you immediately went to customer service and talk to cash app. The lady from guys you have asked me if I wanted my account reset I said yes proceed and reset my account so no one can get in it well the very next day at XXXXXXXX XXXX. in the morning someone stole over {$12000.00} out of my cash app account from my ppp they did not reset my account and someone was able to go in it. That was the XXXX of XXXX when I called in and explained everything to cash app now on the XXXX I got a response that I lost because I knew the person first of all I don't know these people second of all they have a foreign names I can't even pronounce so I don't know them and {$12000.00} was stolen from me and cash that refuses to help me or give it back they just say that I knew them to close however you will see that I did my due diligence I called in warned them this one was trying to get in it when I seen it I even spoke to a supervisor on the XXXX of XXXX he stated to me out of his mouth on recording cuz everything is recorded that they drop the ball the account was not reset correctly and that's how they were able to get in it. So the supervisor said they dropped the ball they still refuse to give me my money over {$12000.00} and told me I lost you will see in all of our text messages between me and cash app where they drop the ball not in me
Product: Mortgage

On XX/XX/2020 I made my payment via online bill pay with XXXX. My mortgage is with PHH Mortgage/XXXX. Although no changes were made and my payment has always arrive on time for XXXX payment was NOT received. For the last 3 weeks I have tirelessly been calling on a daily basis to find the lost payment. On XX/XX/XXXX, PHH mortgage informed me that they finally had located my payment. My payment went to XXXX XXXX. PHH told me it was up to me to get my money back from XXXX. XX/XX/XXXX I called XXXX to tell them my crazy story and they had me email my proof of payment. XX/XX/XXXX, I followed up with PHH Mortgage/NewRez and Shellpoint without much luck. 
No one will take responsibility to what happened to my payment of {$2800.00} On XX/XX/XXXX I made my XXXX payment and I believe that same has occur since it hasn't posted to my account. As I write this complaint there XXXX of money that no one wants to help resolve. 
Please help me get my money back.
Product: Credit reporting or other personal consumer reports

In my credit report from XXXX I have an account that does not belongs to me with Bank of America, I reported already with XXXX, but they asked me to reported here.