23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

All XXXX credit bureaus show incorrect reporting of XXXX school loan debt. I resolved the issue with this debt holder. Originally I was not aware of the debt and never paid it. However the holder realized I 'd not been fully informed and also realized under the student loans, I have discretionary forbearance of several months that I had not used, so they simply retroactively conveyed the forbearance and cleared up all past due issues, including any credit reporting claims. I spoke with them again and they ensured they will clear up on their end. I write this complain to ensure this process of clearing any false negative reporting on all XXXX is conclusively reversed and removed regarding all student loan and/or XXXX debt or any debt for that matter, as I 'm current on any and all debts. Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

11. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

12. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX of the effected from the hack
Product: Credit card or prepaid card

On XX/XX/11 I turned my account over to a credit counseling agency in an attempt to avoid XXXX XXXX XXXX The company agreed to reduce my interest rate under the agreement and to not charge late fees while I was under the program. 
Neither has happened and they say I can not participate in a debt management program until I get my account caught up from the arrears. 
What a company. They have charged me {$120.00} in late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair reporting credit act XXXX, XXXX, and Equifax has violated my right. 

15 U.S.C 1681 SECTION 602A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604A SECTION 2 ; Also states that a consumer reporting agency can not furnish a account without my written instructions. 

I did not give XXXX, XXXX and Equifax no written instructions to add this account to my credit report. XXXX XXXX XXXX ACC XXXX
Product: Debt collection

Hello, I filed a complaint with your organization XX/XX/XXXX complaint number XXXX about Transworld Systems Inc. they responded back on XX/XX/XXXX. If you will take a look at my complaint and their response you will see that again they are not addressing my issue. My issue is two bills one for the amount of {$430.00} and the other for the amount of {$590.00}. In their response to my complaint they sent a list of which they stated they have a bill for {$590.00} three times. They also stated that I could contact the hospitals in question, which I had before filing the previous complaint and which I did once I received their response. I took this information to the hospitals in question and again they could not locate these bills with the information provided. As I stated in my previous complaint I think there was only one bill that they have constantly duplicated. The bill for {$590.00} was on my credit report owed for the XXXX as well as XXXX. I now notice the bill for XXXX has been removed. I also have documents where the bills were added in XXXX and then removed. I contact Transworld sytems on XX/XX/XXXX XXXX @ XXXX and spoke with a representative who stated his name was XXXX . I explained to him why I was calling and he immediately switched me to a supervise who stated his name XXXX. Again I explained to XXXX why I was calling told him no one seems to have this bill except his company and could I get a copy of the bill so that I could get it handle. I've requested this from his company before filing my original complaint but never received it I also stated in my original complaint that receiving this information could probably bring this matter to a close. XXXX put me on hold and upon his return he wanted to discuss a bill he claim he had for {$620.00} which I have no knowledge of but I told him to send me a copy of that bill as well. He also stayed he had a bill {$590.00} from XXXX again, here we go another year. I stated fine send that as well. In closing he lead me to believe that he was only requesting a copy of the bill for {$620.00} which was quite irritating to me and a waste of his and my time since for some reason his company refuse to produce the requested copies. I have never gotten a bill or collection notice for either of these bill which I stated in my original complaint. I know I have other avenues available to me but I'm again hoping your organization can bring me closure. Again I thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian credit bureau after I purchased a credit report from XXXX XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} on my credit report which are UNKNOWN to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing negative account on my credit report all this time. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on the account listed blow. please show me documentation showing proof of transaction showing that I was ever late to support your in accurate reporting on my account. if you can not supply this please delete this allegedly late payment from my credit report. the reason for my dispute is that this is a invalid late payment The FCRA allows 30 days for this to be rectified. 

XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XXXX XXXX XXXX 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. BK OF AMER is reporting late as reported in XXXX and XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( BK OF AMER XXXX )
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXXXXXX XXXX Account Number XXXX XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account XXXX : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit I have two accounts that are not mine. 

Discover Financial Services opened XX/XX/XXXX balance XXXX XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX Find out to whom these belong to because they are not mine. I called both banks and they do not have my social security or my name on these files.
Product: Credit reporting, credit repair services, or other personal consumer reports

This occurred on XX/XX/2021. I got an alert from my bank and Experian that someone had just ran my credit for an SBA loan at XXXX XXXX XXXX, XXXX XXXX, Tx. XXXX. I immediately called the Washington D.C. office. She ran my SSN and acknowledged that someone has put in a loan application under my social. She said she couldn't give me any information but told me to file a police report which I did, and also to contact you as well as the OIG.
Product: Mortgage

I strongly believe rules need to be adopted whereby an invoice, bill or letter to collect a debt should be clearly indicated as such. For instance, if the law mandated that these documents, and only these documents, could be sent in a blue envelope ( thus no more blue envelopes sold in stores ) and that it had to clearly state on the front that it was an attempt to collect a debt, that would eliminate many consumers from inadvertently throwing away bills they were not expecting. 

I 'm writing you primarily because I get several pieces of mail a week that look like bills, yet when I open them they are some sort of solicitation ( sales ) mailing. For instance, today I got something in the mail from my mortgage company that looked like a bill. It said " second and final notice '' and " important information '' ... things that would lead an average consumer to think its a bill. Instead it was a sales mailing to buy mortgage insurance if I lost my job or could n't work. These types of mailings are common and result in people like me throwing away legitimate bills by accident because we get so much junk mail that is styled like a bill. 

Also, you need to do something about the credit rating agencies ( personal rating agencies XXXX. Paying off a mortgage should benefit your score. If an account in collection is paid in full ( perhaps the consumer must make the original vendor whole ), then it should come off your credit report easily. The credit rating system is broken ... I 'm almost XXXX years old, never had I ever not paid something I owed, paid XXXX things late maybe 60 days at worst, and yet my score is barely over XXXX. How is it that mortgage companies have such a different credit score than what the public sites show us? Seems to me like they should be the same. Since credit is our main source to buy things XXXX for most ) and your score only makes your purchases more expensive XXXX APR XXXX, it should hold true that your same concerns about payday loans should be applicable here. Those with lower scores get the worst rates, ultimately paying more which keeps them in financial difficulty. Right now, credit scores do n't accurately reflect a buyer 's ability to pay a debt ... it mainly represents who does n't throw away their mail and is diligent at managing their bills ( regardless of their actual spending / buying power ). What happened to the days where it was simply your debt to income ratio? That makes a lot more sense and you can use a person 's tax returns to figure income.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX never received any notice of statement before 21 days of the due date from XXXX XXXX XXXX  ss # XXXX. Can the creditor please show proof of the statement delivered to me. Please correct/Delete inaccurate information being reported.AS stated in 15 u.s code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
The consumer reporting agency failed to ensure all information was accurate even after my past disputes ensuring that the creditor has followed the correct procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM GETTING HIRED AND THEN DENIED A JOB BECAUSE THIS SITUATION KEEPS SHOWING UP ON MY BACKGROUND CHECK ....
Explanation from XXXX XXXX XXXX The XXXX XXXX XXXX they were all misdemeanors at an AZ casino. The court documents show the fines were paid, happened years ago however remain on my record but as far as my explanation I was playing XXXX and XXXX XXXX and was banned from a casino in AZ and the only reason I have these multiple charges is that I did not know the other casinos were owned by the same XXXX XXXX because it would have my profile show up in their security database. <P/> The only reason I was doing this is because I needed to make some extra money when I was laid off in order to make ends meet. I am not a criminal whatsoever and never will be and do n't have any felonies on my record. <P/> Let me give you an example?
XXXX
If you got a speeding ticket it states on the ticket criminal speeding. Does that make you a criminal? NO.
XXXX
This is not like I trespassed into someones house or something. It was at a casino and should be off my record and background check. Please understand because I am being denied jobs from employers because of this and need to make a living.
XXXX
As far as the XXXX XXXX there was a miscommunication because a taxi driver said I didnt pay him when I paid him in cash. A police officer came to my house because the cab driver filed a report against me. I was not arrested and the police officer said just take him to court so the cab driver did. The prosecutor said XXXX XXXX this is stupid and you dont want to have it on your record so I paid him again, it was signed off by the judge in XXXX, and the charges were dropped which I have provided the documents for.
Product: Credit reporting or other personal consumer reports

I have a CreditKarma account that shows me whenever there is a credit inquiry, expense or deposits. 
It also shows me a credit score for XXXX and XXXX through use of XXXX XXXX calculations. 

I also pay XXXX every month to report my rental and utility payments to rating agencies. They also show me my XXXX credit score using XXXX XXXX calculation. 

Based on these and suggestions from CreditKarma app, I applied foXXXX XXXX XXXXXXXX XXXX $ deposit Secured Card in XXXX. They sent me a letter asking me to submit id proofs and proof of address. I faxed these around XXXX. I faxed them twice as they also demanded another additional proof of utility payment. When they did not respond after XXXX working days I called them on their customer care number and was informed that backoffice could not identify my face clearly on the DL that I faxed. I was told on XXXX to fax it again before end of the week. I received an Adverse Letter from them stating my XXXX XXXX was not present and also my application was incomplete. They sent this via email by XXXX XXXX on XXXX without waiting for me to refax my documents as per their request. Since they did another hard inquiry for the same score, I lost further points on XXXX according to CreditKarma. 
They still show that I am eligible for XXXX credit card. 

Either Credit Karma and XXXX using XXXX XXXX calculation and giving me XXXX credit score of Good as attached is WRONG OR XXXX XXXXXXXX calculations are WRONG OR XXXX showing my credit score of XXXX on all XXXX rating agencies is WRONG. 
In any case XXXX had access to all these reports and despite knowing my XXXX rating was XXXX they still performed another hard inquiry and kept my documents illegally, kept me waiting and not letting me know the status of application accurately despite me calling several times and then incorrectly responding. They played with my emotions and harassed me all this long just to ignored a credit card application that they never intended to approve. 

If XXXX  XXXX is lying about my XXXX scores being Invalid or Non existent, then Credit Karma, XXXX and XXXX XXXX are all culpable of this crime in falsifying records and present incorrect information to consumers to just make sure they sell Credit Cards of unsavoury unprofesssional companies like XXXX. 
Why else will they be offering me XXXX XXXX XXXX eligibilty on their apps when the score is non existent.
Product: Debt collection

XXXX is billing me for a 2011 charge that is incorrect. Called my renter and scared them into paying the bill. Gave them all my personal information even secured my SS # with them!! I need help this is wrong
Product: Mortgage

This is in reference to case # XXXX. I have not received any correspondence from Chase since I received a letter dated XX/XX/XXXX where they admit their mistake and advised me I would have resolution within XXXX days. I have called and left a voice mail with XXXX and have received no response. In addition, after pulling my credit report today, it shows a large " past due '' balance which is not correct. XXXX is also showing that Chase has reported my payments late by 30 days in XX/XX/XXXX and XX/XX/XXXX as well as 60 days late in XX/XX/XXXX. Lastly, I have not yet received my XXXX tax form which I need to file my taxes. This form is " unavailable '' when I log into www.chase.com. I also have no faith in the actual amount that will be reported on this form since my loan is so messed up. I want an update on my loan and resolution to all of the issues I 've listed above.
Product: Mortgage

I have been in contact with my mortgage company for over 2 months now about my taxes being unpaid. Everytime I call, I ask to be transferred to a supervisor to discuss my file. Every single time I call they claim to be opening a work order that is due by x date and when I call on that date for an update, I'm given another date XXXX weeks from then. My taxes are now delinquent and I don't believe it's my responsibility to pay the interest out of my escrow account due to their mistake. I work at a real estate attorney 's office and know how this should be handled. I asked them to confirm the tax map # of the taxes they paid for and it was a completely different tax pin than my property. I searched the taxes up and it's for a whole other person 's property who just got their taxes paid for on my escrow account 's behalf. I have given the company all the information that they need to fix this issue and I am never given an answer or taken serious. It's frustrating when I'm given the run around on every single phone call but they're quick to draft out my mortgage payment every month. I've attached a copy of my deed to show my correct tax pin as well as a screenshot of my escrow information showing the incorrect tax pin. I have spent hours on the phone with this idiotic company and I am tired of getting the run around. They could absolutely care less.
Product: Credit reporting, credit repair services, or other personal consumer reports

After gaining access my consumer report for review, I noticed some unauthorized information on my consumer report that I needed to be removed under 15 USC 1681-3.Transunion assumed this role w/out my express permission or consent. XXXX did not respect my right to privacy under 15 USC 1681 -4 and they neglected to exercise their grave responsibility. They had no permissible purpose to tamper w/ my consumer reports. They have added fraudulent information that have absolutely nothing to do with me... EVER! I disputed multiple addresses that I never associated with and inquiries that I did not recognize. At this point, they have neglected the duties ( 15 USC 1681 -4 ) that they assumed in publishing inaccurate and unverifiable information after they were notified of the disputes. 

The following was all removed from XXXX and I expect the same resolve. 

The ONLY current & identifying information should read XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All other variances need to be removed The following accounts XXXX  XXXX - Acct # XXXX Bal {$950.00} - Has been removed by XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Bal {$1900.00} - Removed by XXXX XXXX XXXX - Acct # XXXX -Bal $ XXXX Removed by XXXX XXXX XXXX - Acct # XXXX Bal- {$4800.00} - Removed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} - Removed by XXXX
Product: Debt collection

Reached out to XXXXXXXX XXXX  regarding the validity of the debt, but they did not provide any. As I am looking over my credit report, this account is incorrectly being reported as a late payment account without a balance due. Please provide proof and update the inaccurate reporting or delete the negative payment status on this account. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPSXXXX XXXX XXXX
Product: Student loan

My name is XXXX XXXX XXXX. In XXXX, I co-signed with my daughter to get a loan for her education to attend XXXX XXXX University in XXXX, Georgia. After completing school, she and her husband encountered some difficulties paying her loan. I had problems of my own, therefore I couldn't help her financially. I also had a student loan at the time. In the year between XXXX, her loan was paid in full due to IRS sending her refund to cover her loan amount to the U.S. Department of Education. Since that time, Navient took over my loan from Sallie Mae in XXXX. The last four of her loan was XXXX, whereas, the last four of my loan is XXXX, however, my entire account number is XXXX. Navient has placed her loan, which is already paid on my account in the amount of {$5800.00}. I wrote to the company about this on XX/XX/XXXX, but their response was, " We are unable to adequately address your concern via email due to the status of your loan. '' They gave me a number to call by telephone, which was XXXX. The Navient Email  Representative was Ms. XXXX. All she could tell me was that the loan was mine. I understand how co-signing works, but the loan was paid in full after the IRS sent my daughter 's refund to the U.S. Department of Education.
Product: Credit card or prepaid card

My bank account at XXXX XXXX was hacked leaving me with no money, I told XXXX XXXX they reversed the charge I had to get a new account and checking number. I called every credit card I had to update the information, XXXX & XXXX I was hit with a derogatory mark no one attempted to reach out to me then I got another missed payment in XXXX I have never missed a payment prior to this, I only found out any of this because of XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized ACCOUNTS that reporting on my credit report. Since this is a strict violation of FCRA laws I need the ACCOUNTS removed from my file as soon as possible. 
XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00}