23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Great Lakes ' transfer of student loans to Nelnet is resulting in borrowers ' credit scores to be negatively impacted, including my own. I received a credit alert from XXXX this afternoon stating my credit score dropped after the original Great Lakes loan went from its full balance down to {$0.00}. I anticipate the other two major bureaus to report similarly and also result in score drops. In addition, based on the way loans are handled on credit reports, I anticipate additional damage due to the new Nelnet loan being added. The executive director of the XXXX  stated the Department of Education provided guidance to servicers on how to handle loans to prevent any negative impact to credit reports. This guidance was to only change the name of the servicer. This obviously is not how this was handled. In addition, multiple borrowers have posted online about similar experiences with these changes costing anywhere from 50 to 100 point drops in credit scores. As someone attempting to purchase a home in an already difficult interest rate environment, this is completely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Last reported XX/XX/XXXX {$10000.00} Open balance XXXX XXXX Original creditoXXXX XXXX  OpenedXX/XX/2021 ( 2 mos ) Account statusOpen Type -- ResponsibilityJoint RemarksConsumer disputes this account information Original creditor nameXXXX XXXX Latest fraudulent account posted on my credit file.
Product: Payday loan, title loan, or personal loan

I got a title loan in Georgia then I XXXX XXXX XXXX because of covid and job loss, I continue making payments to TitleMax in Georgia even when I really wasn't supposed to because I did not live in that state. Every time I make a payment to Title Max it states I need to be in that state to make that payment. It's easier to make monthly payments than it is to pay off the loan because of the predatory style loan that's set up for people who are in desperate need. Last time I made a payment to TitleMax was on XX/XX/XXXX of 2021 for {$800.00} that next month on XXXX they repossessed my car, my child car seat was in that car and they took it about 2 hours away from where I lived at the time in virginia. Ive been very transparent to the store manager in Georgia I believe his name was XXXX XXXX on XXXX XXXX XXXX in XXXX Georgia. I was not able to get the car the same day it took a few days before I was able to come up with enough money to pay off my loan, I had to ask friends and family and a lot of people for help. This loan that was set up was easier to make monthly payments and the loan will renew itself if you continue to make monthly payments the monthly payments are easier to pay than it is to pay off the loan. TitleMax knows this is the predatory style loan they know they were praying on Desperate people and it wasn't right for what they done I was very transparent to everyone at TitleMax involved yet they still repossessed my car and made me suffer and have loss of income. 
I asked TitleMax the show proof of monthly payments I made to prove that I overpaid my loan, I would like TitleMax to fix this and reimburse me at least for something because of all the problems I have had with them and because of all the fake reviews at the store. I was required to put a five-star review after I receive my loan from the store manager. I go on XXXX reviews and everyone has put in five stars there's a reason for that. it's not because TitleMax has a good business model it's because they're required to by the store manager, the reviews are not real.
Product: Mortgage

in XXXX 2019, I opened a Home Equity Line of Credit with Flagstar Bank. As part of the process, Flagstar bank paid the closing costs for the HELOC, totaling about {$1200.00}. 

Now I want to refinance my first mortgage, and Flagstar won't let me close out my 2nd mortgage without paying those closing costs. So we had to subordinate the 2nd mortgage, and now my rate has increased because there is more debt involved. This is the part that stinks -- my first mortgage is much more significant loan, but Flagstar won't release the 2nd without sticking it to me for the closing costs. 

I feel like I was not really aware of the consequences of signing that addendum when it was presented to me, with so many other pages to sign. I called Flagstar and asked them if we could negotiate these costs ; they " submitted the request to upper management, but I should know that these are almost always denied. '' I feel like I've been snowed by Flagstar and I will not be doing business with them again.
Product: Credit reporting or other personal consumer reports

Hi, This is regarding my penfed auto lease # XXXX. Back in XX/XX/year> a auto monthly payment didnt go through from my husbands chase accounts. While I attempted to replace the pay account XXXX made all sorts of issues and didnt allow me to add an account to pay for severel weeks thus resulting in the late paymnet. They also would not take payment over the phone. So i tried setting up another pay account, First they said that inorder to use my husbands account I needed to be a signor. Then they said that my name must be on the account listed and that a signor is not good enough. They said you can be added as a signor on a business account, then said the same thing that my name would need to be listed on a statment. All the while I cautined that If they dont give me an alternative I will be reported late. XXXX said that there was nothing worry and the account was still in good status. I was notified this week that a late payment is showing and am deeply disturbed by this. I called XXXX but they said there was nothing they can do about it. 

I appreciate your
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone ran my credit for comenity XXXX XXXX and credit one bank. These are fraud credit inquiries o did not authorize no one to run my credit or gave anyone permission to run my credit.
Product: Debt collection

I have been receiving multiple calls from US Bank, trying to collect on the credit card I have with them. I have told them my situation ( and I have even made a payment within the last month ) and they let me know that they were going to work with me and that the calls would cease for a limited time. Yet, I received five phone calls today alone from them. This has to stop.
Product: Credit reporting or other personal consumer reports

I have been trying to purchase a home since XXXX. On XX/XX/XXXX I applied for a mortgage with one company and a second one on XX/XX/XXXX in order to find a good rate. Unfortunately I was unable to proceed with purchasing a home at that time. 

In XX/XX/XXXX I again tried to find a mortgage and purchase a home. I applied with two mortgage companies, and was able to secure a good deal and buy a house. 

This issue is the hard inquiries for mortgage applications in XX/XX/XXXX and XX/XX/XXXX are listed separately with XXXX and Equifax. I suspect this is due to improper coding/labeling as some of the inquires are finance and some are miscellaneous. Neither company provides information or an option to correct this. The hard inquiries are valid, but the labeling is not. I believe I should have 2 sets, not the 5 they are reporting for XX/XX/XXXX and XX/XX/XXXX. I tried calling them as well but the automated answering service also did not provide more information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called eqifax serval times about the high credit and balance on my report for sandtandier consumer i told them,, the high credit is lower than the balance and that is a FCRA Violation!! And it is to be removed at once they say they investigate it and it was correct its not correct because thats no possible!! I need this removed off my credit because its a violation
Product: Credit reporting

I 'm a victim of Fraud. I am a victim of ID theft. The dismissed Bankruptcies were fraudulently filed under my name, without my knowledge or consent. These items were incurred by company whom I had hired XX/XX/XXXX for help with modifying my home loan. I neither authorized to file a Bankruptcy on my behalf, nor was I made aware that that were doing so. My signatures were forged on the BK paperwork, I would only find out about this issue after this company had gone out of business XX/XX/XXXX. 

This case was referred to the attorney general 's office who suggested I file an ID theft report. Hence, a Police Report with XXXX PD and also a Federal Trade Commission ID theft report for the fraudulent dismissed bks and forwarded it to the credit bureaus. As required by law XXXX of the bureaus blocked the information from my credit report, whereas Transunion has persevered with reporting the fraudulent accounts on my credit report. I have called Transunion several times, as recently as today on XX/XX/XXXX, but to no avail, as I get transferred from one department to the other and am given no explanation as to why they are violating the FCRA by failing to block the fraudulent information. I am absolutely at my wits ends here, as it bad enough suffering the traumatic experience of being defrauded and now as a victim of fraud I 'm not being afforded my legal rights. 

Attached Please Find : The filed Police report and the filed FTC ID theft report
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : U S DEPT OF EDXXXX XXXX XXXX : {$6300.00}
Product: Mortgage

XX/XX/1999 XXXX XXXX XXXX owner of first citizen banshares of XXXX ga XXXX XXXX XXXX XXXX ga. Died .made me the owner of the company, first citizen banshares , has fail too give me a copy of the company operating agreement, aka deed of trust, or testimony will deed too the company, also they have fail too give me, cpa accounting too what they are doing with my money on the personal side of the company ... business address on file that is has a registered too sec of state XXXX XXXX. And on the probate court of XXXX ga. Is XXXX XXXX XXXX XXXX ga. It says. XXXX XXXX beneficiary 3rd party too all of this .i am not talking about a account in the bank. I am talking about the ownership of this business.. The paper in the probate court spill out XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, as owner or trustee heir. ... all the names in this text including the company agent has fail too give me my legal papers. Too the company. I am requesting all this information, from yall today. With out this information. I dont. No what i can do or not do. And i dont. No the operational agreement release date for yall too be canceled, too been a active power of attorney for me .so it like yall got the company, like yall own it and i am nothing. Please make this rite. Or be liable for all court cost. Or legal action that will be taking. On the behalf of my request. Everything in this text need too be reviewed .i am at a place, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX. XXXX XXXX XXXX deceased owner has various of companies, XXXX XXXX mortgage XXXX XXXX XXXX XXXX .XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX all of this stuff is old money come from the XXXX XXXX and XXXX XXXX  families. Also a court appointed administratior been request this information from yall too .XXXX  XXXX phone XXXX # XXXX ... XXXX! A XXXX peacock attorney at law. Atl ga. They or yall are refuse too come off my rights. Please stop abuse me .and the court system. When yall can do the right stuff thanks.
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 Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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, credit repair services, or other personal consumer reports

XX/XX/ Balance : {$500.00} They refused to remove the collection and also refused to disupute it unless {$1.00} payment was given from a debit or credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX death cert file:XXXX ; cert XXXX deceased on XX/XX/2014. My mother 's life policy was stolen this yr. I contacted the ins co. I lived with strangers because if my husband and my room was being entered when I went to work. I entered my brothers ssn in the credit bureaus data base and opened an acct. A letter was rec 'd in the mail from TN tax showing XXXX  due on an inh tax. TN tax number XXXX. XXXX had three houses and his ex wife assumed some of his properties. I contacted cc and ssn adm and closed out his acct when he died. He was in the military and his family did not rec payment from XXXX plan. I mailed an unq on XX/XX/XXXX cert number XXXX ; XXXX plan XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I called Equifax to submit a dispute. The Equifax employee took my information, listened to my dispute, then she put me on hold, and never came back to the phone call. Eventually my call was transferred to leave feedback as though the call was over. So I am writing to you and I wrote a dispute to Equifax on XX/XX/XXXX.I, the American consumer am alarmed at recent news reporting that Equifax provided inaccurate credit scores for potentially millions of consumers to numerous financial institutions relating to my credit applications. The report quotes one Equifax executive, who said, Initial analysis indicates that only a small number of them may have received a different credit decision, and the CEO saying, The impact is going to be quite small, not something thats meaningful to Equifax. Equifaxs latest egregious abuse of consumers and its leaderships teams efforts to downplay the harm is yet another example of harm caused by what is quickly becoming a recidivist bad actor, and I urge you to use the full extent of your authority to hold Equifax and its leadership accountable. This incident comes five years after Equifax announced one of the largest data breaches in the history of our country, exposing the personal information of more than 147 million individuals, including myself. These numbers are false, these errors have affected everybody including me. 

Furthermore, you the CFPB took another enforcement action against Equifax in XXXX  for violating several consumer financial protection laws for deceiving consumers about the value of the credit scores they sold, deceiving consumers into enrolling in subscription programs, and engaging in illegal advertising practices. They are still violating several CFPB laws. 
Based on Equifaxs initial actions in response to this matter, I am deeply concerned that I, the harmed consumer will be promptly identified, notified, or even made whole? Moreover, Equifaxs repeated violations of law that have also resulted in I, the consumer harm warrant a more robust enforcement action, instead of the typical regulatory fine that amounts to the cost of doing business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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. 

XXXXXXXX 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 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 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an email over the weekend XXXX that I had negative on my credit report. I looked it up and southwest credit system said I owed XXXX. I called them this morning XXXX spoke with a lady and she said it's in collection for water bill. I advised I've never lived in XXXX. I've lived in XXXX for 38 years. My entire life. She said I needed to file a report and send copy and I'd to them. 

Also a company called convergent outsourcing is on my credit for XXXX out of XXXX. I've never lived there nor gave anyone permission to use my information. This is also on my credit My last 4 of s.s. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent American Express three certified letters ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all three in XXXX, attached ) in which I disputed two accounts ( Account number XXXX, Charge-off Balance {$2000.00} and Account number XXXX, Charge-off Balance {$2300.00} ) on my credit report. I have requested an investigation of these accounts and of any proof that these accounts are mine but they have ignored my letters and phone calls. More importantly they have refuse to include a posting of a Notice of Dispute to my XXXX credit report which is a requirement that needs to be placed no later than 30 days after being notified of the dispute. As of XX/XX/XXXX that has still not been done ( see attachment ). 

Per the FCRA : FCRA Section 623 ( b ) ( 1 ) provides than when a furnisher receives a notice of dispute regarding the completeness or accuracy of reported information from a CRA, the furnisher must conduct a reasonable investigation and review all relevant information provided by the CRA. 

Duty to Provide Notice of Dispute. If a consumer disputes the completeness or accuracy of furnished information, the furnisher must provide a notice of the dispute to the CRAs when furnishing the disputed information. The term negative information means information concerning a customers delinquencies, late payments, insolvency, or any form of default. 

Timing of Notice. The financial institution must provide the notice to the customer no later than 30 days after furnishing the negative information to a CRA. 

Substantial Penalties for FCRA Violations Not complying with the FCRA can subject the furnisher to statutory damages of {$100.00} - {$1000.00} per violation. The FCRA states that plaintiffs can also win punitive damages and recover attorney fees, these types of violations make appealing class-action targets. 

Attached is my current ( XX/XX/XXXX ) XXXX credit reports of the American Express accounts. As you can see there is no Notice of Dispute even after seven months of disputing this account to the furnisher, American Express.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked. They exposed my personal information. When I filed a claim they took exception and now have hosed my personal credit score and are keeping it artificially low. Nothing I do including paying off ALL my credit card debt several months ago has increased my score with equifax to where it should be. Even as a I write this they list my score in the XXXXs whereas XXXX has reported far more accurately during this whole time and has my score over XXXX. ( I recently got two new cards so a drop was expected on my part ) but over XXXX points by equifax is beyond the pale. At one point XXXX weeks ago my scores were excellent ( over XXXX ). Complaining to equifax is just not going to do anything for me since even you must know large companies just squish people like me and dont care about us at all. They dont care how their acts cause any human to suffer instead of making some effort to help after they allowed my info to be stolen and traded on the dark web they just treated me like XXXX. Filing a law suit is just out since without access to some unrecoverable internal communication it would go no where and just cost me money I cant afford.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a XXXX notification that my SSN was associated with an address that was not familiar when I went to my XXXX  alerts I noticed that the address was a location where I had reported fraudulent use of my credit cards that was stolen in XXXX and a compromised SSN. An account was opened under my name & was created fraudulently with my contact info. 

The account is with the XXXX XXXX XXXX account number XXXX Another account was opened without my authorization AS XXXX & that LENDER is : XXXX XXXX XXXX account opened & closed in the amount of {$220.00} on XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

There is another item that popped up on my credit bureau that does not belong to me. I have not used my name or social on any accounts before. There should not be anything reporting on my credit report. I want to have this item removed. It is from a company called XXXX XXXX and original company XXXX XXXX. I found the info on my XXXX XXXX report last week.