23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I was informed by XXXX XXXX that my credit score had dropped by XXXX points on XX/XX/, per XXXX Credit Reporting. I checked to see if someone had opened new accounts under my name or maxed out my credit cards but neither thing had occurred. My credit/debt ratio and utilization of OVERALL credit hadn't changed, the amount was relatively the same as it had been the previous month. In fact, with my paying down my car loan by {$300.00} the previous month, my credit score should have improved. 

I tried to reach out to XXXX and the only " Consumer Service '' they offer is a free copy of the credit report. There is no customer assistance available by phone or on their website for the customer to find out why their credit score would have a precipitous drop, and there is no mechanism to dispute the drop. XXXX 's drop of my credit score was mimicked by Equifax within 2 days. The XXXX point drop affects my car insurance rate and will have other cascading effects that are costly and deleterious. 

I believe there was an error in XXXX 's algorithm because there is no reason why my score went down. I request that XXXX check for system errors regarding my account specifically. If there is a reason for the drop in my credit score, I request to know the reason. XXXX should also advise me of any appeals process available to dispute dramatic changes in credit scores. They need to provide transparency to consumers on what formula they are using to determine credit scores. It's obviously no longer based just on debt/credit ratio and timeliness of payments on accounts over time, because my score would be XXXX points more if those were the only criteria.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts falsely reported to my credit report. I complained to the FTC, and directly to the credit bureaus. I submitted copies of my DL, SS Card, Current Bills, ETC all to prove my identity. I asked them to match the signatures on my DL with the signatures on the accounts falsely opened in my name. 

XXXX XXXX XXXX XXXX XXXX : {$3400.00} XXXX   XXXX XXXX XXXX XXXX XXXX {$120.00} -XXXX XXXX XXXX  XXXX {$330.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The school loans are condensed to one loan and there sre no late payments there is a copy of the balance with this complaint
Product: Debt collection

Today on XXXX/XXXX/XXXX I returned a call to XXXX XXXX of Premium Asset Services LLC. I told her that this debt was paid to the original company I asked her for the information to contact said company. XXXX transferred me to a XXXX XXXX who as soon as he got on the phone was belligerent I said to him that all I needed from him was the phone number to the CC company and his response was that he was not going to give me anything, and he did n't give XXXX because they had talked to me in XXXX and I owed them $ XXXX and they were going to collect. He also threatened me to sue me for this debt. I told him that it was not necessary for him to talk to me like that and I hung up the phone on him. I am in the middle of purchasing a home this debt was not on my credit in XXXX XXXX or previous to. I do n't understand why if I paid this to the original debtor and it been longer than 7 year how is this even allowed. I did n't not entered in a credit contract with Premium Asset Services , LLC so they should not be able to call and threaten me. Also the Statute of Limitations in XXXX DC XXXX in which I live is 3 years. This is unbelievable that a company that you have no contract with can call harass, and threaten you. In conclusion I called XXXX back to let her know that I will be back in touch with her once I receive Bank Statements from XXXX from my bank.
Product: Debt collection

I receive calls daily from from differing lines associated with Midland Credit Management about a debt I do not owe, and is associated with another person. After calling the company to confirm that the debt was owed by a different individual and being told I was removed from their list, they continue to harass me on a daily basis. 

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 Some of the lines in question : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 I am on the national do not call registry and will be taking action against Midland Credit if they continue.
Product: Debt collection

Capital Link Management LLC sent a text message to phone numbers I never supplied the original company exact amounts of debt alleged and payoff options. This was sent to Family and friends. This was a debt where the card was compromised and used for online purchases that were not mine.
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. 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 .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 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 XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency Experian has multiple incorrect addresses on file for me. I have disputed it and they continue to verify it but again not true! I looked up one address and it belonged to a business!! But they refuse to reinvestigate it.
Product: Debt collection

In XXXX, was working for XXXX XXXX XXXX XXXX XXXX XXXX through a temp agency called XXXX XXXX ; and I was injured while working. I used my insurance, from XXXX, to be seen by a doctor at the hospital I was working at. 

I was wrongfully charged for it. 

I disputed it. It came off my credit report. Easy peasy, right? 

Well, they sold the debt and this new agency put it back on my credit report in XXXX.
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 : XXXXXXXX XXXX account # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX account # XXXX, has violated my rights.XXXX 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.
Product: Mortgage

To whom it may concern : I have been trying to work with my mortgage but have only been given a run around. At first they failed to help me when they advised they never received documents and my loan modification was in limbo. Then I asked them to review me for a loan modification but they gave me a partial claim that does not help my situation. I am trying to be in a better financial situation than where I started. They advised it would take a few weeks to remove the partial claim in order to get my loan modification review started. Now, 2 months later and they have yet to review my account for an actual loan modification.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX historical late payments 30 days each payment In accordance with the law, my rights have been violated. Late payment reports to your consumer report is illegal. In 15 U.S. Code 1681a : Definitions and Rules of Construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; Transactions are not included in the report and the request to is to remove late payments from my XXXX, XXXX, Experian consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX   XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX 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 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  SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX   XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown Hard inquiry by : XXXX XXXX XXXX XXXX New York XXXX Inquiry Date : XX/XX/2018 Reported to : TransUnion & XXXX K
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix this credit error for over six months with no response from the credit bureau. I have requested multiple times for this account to be validated or removed. 

{$2400.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX  Opened XX/XX/2021 ( 1 yrs, 2 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX are not properly investigated my disputes and instead there are saying that it accurate account when it not
Product: Mortgage

I got behind on payments and could not catch up so I had to sell my house in XXXX. The loan started in XXXX. And I received no help from Wells Fargo to help me with this.
Product: Mortgage

I made an application with a loan broker. They obviously submitted my name and information to many lenders. I went with one lender. Loan Depot tried reaching out to me after I had already completed my application with the other lender. They began calling me for days on end ( 2 weeks? ) and calling me at least 3 times a day -- maybe more ( 5? ). I figured after 2 weeks of calls with no answer, they would get the message. They did not. 

I finally picked up the phone and asked them to take me off their list and that they have been calling me way too much. They said, " Well, we are Loan Depot ; one of the largest brokers in the country. This seems to work for us. '' That is a completely unacceptable response. We succeed because we harass people until they pick up the phone irritated and demand that the endless calls stop? I asked to file a formal complaint and, after putting me on a brief hold, they said that their complaint team " was busy ''. This is harassing and is unacceptable behavior for a lender. 

The company was called Loan Depot and the phone # they called me at was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, there's a hard inquiry on my credit report by a company named, EQUIFAX XXXX. I did not authorize this company to run my credit. Their telephone number is XXXX. 

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

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance {$320.00} XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

First had issue with original debtor. The hospital where the procedure took place. Tried to dispute with them but they failed to contact me. Within a months time and several attempts by me to contact them they had forwarded my account to a debt collector. Finally when we did connect they could not help me as the debt was already turned over to collection agency. I have all corresponding emails and letters that I have sent. 

First collection agency stopped as I had instructed that I was in dispute of debt. The second agency continually tried to call me. I sent a dispute letter trying to resolve the issue but to no avail. I have requested from them if they are licensed or bonded which is required in the State of Texas and have not received confirmation of this. 

Looked them up on the Texas Secretary of State web site and find them not legally allowed to do business in Texas.
Product: Student loan

Navient has been holding up my IBR request on spurious grounds. I processed an IBR request through XXXX. They first denied my application claiming that they were missing a page. How that can happen when they receive it electronically through XXXX is beyond my comprehension. 
So I resent it. Now, almost three months later, they have sent me a denial letter. 
It says, " we 're unable to process your Income-Driven Repayment request at this time because your signature was not included. '' Strange, because the copy that I 'm looking at, which I faxed them on XXXX XXXX at XXXX shows my typewritten signature with the date. 
They are now claiming on my telephone call with them that it needs to be a " wet signature. '' No where on the form does it define signature. No where does it indicate that a typewritten signature is invalid or otherwise makes the contract modification unenforceable. No where do they define " signature. '' ( Thought as a trained lawyer my understanding is that a signature is defined generally as a present intention to authenticate. ) All of my other lenders have accepted my IBR without a problem. Navient is the ONLY lender to pull this most recent excuse out in order to delay and deny my application and force me to reapply. 
[ I have just gotten off the phone with Navient, and they told me a wet signature is needed, but they they would, ( after I told them that I was filling out a CFPB complaint as we spoke ) accept my electronic signature in lieu of a wet signature. ] I am still concerned that they will ultimately fail to deliver on their obligation to process this IBR request, so I 'm submitting this same complaint to notify CFPB of their inaction and delay.
Product: Mortgage

I been trying to get a foreberance on my mortgage payments since XXXX the soonest I lost my job due to Covid 19. I called several times, I emailed several times and always received a reply to just wait or fill form again. I am on bankrupcy chapter XXXX, still making payments to trustee. Once I lost my job in XXXX I couldnt send any more mortgage payments. I did continue to pay the XXXX monthly to the trustee. I been struggling to make ends meet the best I can. I like to keep my home, I just need help to resume my mortgage payments and to put what I owe at the end of my loan if possible.
Product: Credit card

on XX/XX/year> I paid {$200.00} deposit for a rental car, the car was returned XX/XX/year>XXXX  and the merchant emailed stating the money was refunded. Chime refuses to give me my money back. In the past, this was not a problem as the merchant reverses the charge and I get the deposit back immediately. Chime keeps putting me on hold for 20-30 minutes and will not give my money back. I am concerned because they are overseas, which I did not know this previously when I opened the account. The call center people also stated they aren't Chime employees and will not disclose who they are
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I had issues with my XXXX  XXXX XXXX credit card. After receiving three phone calls from a XXXX number I thought it was XXXX  XXXX  XXXX calling me so I picked up. I spoke to someone who said they were a XXXX  XXXX XXXX representative who was calling regarding the issues I had with my credit card. I was fully convinced they were XXXX  XXXX XXXX. They told me they were going to send me an authorization code to confirm that I was the person they needed to speak to. Upon reading the authorization code back to them I got an alert that there was suspicious activity on my XXXX  XXXX XXXX Business Checking Account. After telling them about the suspicious activity, they told me they were going to send me another authorization code and to read it back to them once it got to me. I read it back to them and they hung upon. After checking my Bank Account I realized that they were scammers and they scammed me out of a total of {$14000.00} that was sent to them through Zelle. Upon looking at the messages closely, I noticed then that they were sending me Zelle authorization codes. I didn't realize that the codes were to authorize a payment. I thought since Zelle was used by XXXX XXXX XXXX, it was just a code from Zelle. 
After this happened I went to XXXX  XXXX XXXX to complain and they told me they could only file a claim on my behalf. I just received a notice saying that there is nothing they could do. I was a victim of a scam and wish to rectify this situation.
Product: Credit card

Several years ago, I put down a deposit on a cruise vacation. I changed the date of the cruise and then subsquently, in XX/XX/year>, I opted to cancel the trip. The cruise company ( XXXX, under their parent XXXX ) told me that they would refund my deposit back to the original payment method. The deposit was never refunded. I called both the vendor again, and was told that they processed the refund and that it was out of their hands as to when the credit would be applied by Citibank on the credit card. It never appeared. I called both the card and the merchant several times and finally filed a dispute in writing with Citi. However, they first damaged my dispute letter and asked me to refile it. Subsequently, they just closed the dispute saying that too much time had passed to investigate. I don't know where the money is ( whether XXXX had ever actually processed the refund to Citi or whether Citi got the refund by has never credited my account ).
Product: Debt collection

On XX/XX/XXXX I notified CFPB that a company XXXX XXXX XXXX reported a judgement from XX/XX/XXXX on my credit report which is against the law as it was past 7 years, they came back very harassingly and threatening saying they bought it from XXXX XXXX XXXX XXXX XXXX so it was new, and that the judgement could be extended out another 10 years ( there is correspondence from the Washington State Attorney General attached ) XXXX XXXX XXXX sent to XXXX XXXX XXXX XXXX as they said in the attached they can " per their discretion, and said they could report it because they bought/received in XXXX. This is not correct and they are breaking the law. 

This debt is over 8 years old, it can not be reported to credit and can not be collected ( see information attached ). This debt as stated was filed on XX/XX/XXXX and there is no legal recourse that the current holder of the debt can do due to the age of the debt. I received the notice dated XX/XX/XXXX from the agency that XXXX XXXX XXXX sent it to XXXX XXXX, XXXX which took two weeks for them to send. XXXX XXXX, XXXX will cease all written communication due to the fact the age of the orginal judgement, and I am on XXXX  XXXX to which my income is protected. If they do not cease activity I will send copies to the Attorney General for the State of Montana and the Federal Trade Commission. 

The response from XXXX XXXX XXXX will be " we have ceased collection and closed this file in our office '' if not, it will be going to every government agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

your agency gives teh telephone number XXXX to call to get a free credit report. when i called tonight wednesday night about XXXX to XXXX XXXX  i got a robot that said i could get a free credit report if i replied to their questions. so i spelled out my name, address, telephone number, and all those questions. then we got to my birth date.i am a senior citizens. they said put it in 2 digits for month, 2 digits for day and 4 digits for year. i put all those in and it would not accept my birth year XXXX. this is discrimination against senior citizens. i am asking this federal agency to immediuately get after this company for discriminating against senior citizens. i would like all 3 report from all 3 companies but look at the XXXX they put you through. i lost getting this report tonight because they have not programmed their robot correctly. will you help me please. i am so distraught over this. i want my free credit reports from all 3 companies, but this one i started with is discriminating against me becasuse of my age.