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

I checked my credit report and found that some of the data wereincorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had an account with XXXX in XXXX. I couldn't pay it and it went into collections. That was 10 years ago! 

This account dropped off my credit report after 7 years. Now they have teamed up with Zions Debt Holdings LLC to attempt to collect this debt. The effective date is XX/XX/XXXX. 
This is long after it dropped off my report. The amount they are trying to collect is {$1100.00}. They can not come back three years later and put it back on my credit report!!
Product: Credit reporting or other personal consumer reports

These are falsely reported debts on my credit report and need to be removed immediately. This is identity fraud. 

XXXX XXXX  : {$18000.00} Account number : XXXX XXXX XXXX : {$3700.00} Account number : XXXX XXXX XXXX XXXXS : {$8300.00} Account number : XXXX XXXX XXXX  : {$5900.00} Account number : XXXX
Product: Debt collection

Attempting to garnish my wages for double the original debt even though they recovered the atv that I had the loan on
Product: Vehicle loan or lease

I had a car from Bridgecrest that messed up on me, couldn't none of the mechanics find out what the problem was. Called customer service they said it was nothing to could do to help because the warranty was up. So I tried to do voluntary repossession but when they came and got it they didn't report as that to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize this account and inquiries. I never applied for it, I don't have any contracts or agreements with this companies.
Product: Mortgage

This complaint is in response to another letter that I just received XX/XX/2021 from XXXX XXXX  XXXX regarding a foreclosure on my mortgage with Fay Servicing with an auction set to sell my home on XX/XX/2021. 
Back on XX/XX/2021, I had to file a complaint with CFPB against my mortgage servicer for not communicating with me regarding forbearance requests, and for doing a Loss Mitigation ( BAF ) application to help me exit forbearance and keep my home. My servicer replied to my complaint on XX/XX/2021 by saying they would allow me to complete my BAF application to assist me.

I submitted a complete BAF application on XX/XX/2021 and I requested that Fay Servicing let me know if anything was missing with my application ( please see uploaded doc ). Fay Servicing said they were backed up with processing BAF applications and that I should be patient for a review of options and or a decision. 
Because of submitting my BAF application, I was under the impression that a foreclosure auction would be suspended until after a review of options to keep my home was given by Fay Servicing. Instead, I received zero response from Fay Servicing regarding my BAF application and was foreclosed on without any notification on XX/XX/2021. 
Now that there is a date for the sale of my home by public auction on XX/XX/2021, Fay Servicing will not help me keep my home by saying they don't have enough time to review my BAF application before my home is auctioned off...?
Product: Money transfer, virtual currency, or money service

I was looking to buy tickets to a local convention. The door price was significantly higher than the online price but I missed the window to purchase tickets. I went to the conventions XXXX page and found someone selling tickets in the comments. They reached out to me via XXXX ( XXXX XXXX app ). They gave me an excuse that they couldn't make it to the convention because she broke her leg or something like that. I checked her XXXX profile to make sure she was real. She appeared to be real so I went ahead with the purchase. The seller asked if I could pay using Venmo which I don't have so I suggested using PayPal which she agreed to. She told me to send using the friends and family option and not the other service option that would have protected my purchase. I found this odd so I told the seller I didn't mind paying an additional service fee that would protect my account. The seller told me that instead of having me waste money that she could send me XXXX ticket at a time to verify that it was real. So she sent it to me and it appeared real. I then agreed to buy the XXXX tickets for XXXX dollars each. When I went to go send the money I noticed it was translating my money ( USD ) TO ( PHP ). I asked the seller about this and she said it was going to her XXXX 's account. I took the risk. I was emailed both tickets from the seller 's email XXXX. They looked real and had both my XXXX 's name and my name on them. I took them to the convention the next day and they couldn't find them in their system. I went to go message the seller about the issue and found out they blocked me from contacting them. So I lost XXXX + XXXX dollar international fee. So I was scammed out of XXXX dollars. I just want that money back. I have all the messages and emails from the seller to prove the case if needed. Thank you, XXXX
Product: Credit reporting or other personal consumer reports

Please check the documents I've sent in regard to the unauthorized inquiries that showed up on my credit report after I checked it this afternoon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not secure my credit information, which I have no control over them having. Now I am one of the millions potentially exposed to very detailed credit fraud. And all Equifax is offering is a 1yr monitoring.
Product: Credit reporting or other personal consumer reports

I wrote to you requesting an investigation into items that I believed were falsely reporting. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting.
Product: Credit card

I can not reach Bank of America. They will not respond to any messages, nor will answer their, Customer Service, telephone line. I message them constantly. My last message to them : 3 XX/XX/XXXX  Absolutely the worst back in the world. I paid through my checking account and sent two checks in the amount of {$180.00} to my account a month ago and it still hasnt posted to my account. What is going on with you? 

I have called your customer service, line, spent over an hour on hold each time, five times; wasting five hours of my time over the last month with no one ever answering me. Im praying Bank of America will go out of business immediately and every one of you lose your jobs. YOU are ridiculous and disgusting. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Idaho XXXX Phone : XXXX XXXX XXXXstudio Why dont YOU call me? 
( I KNOW you wont ). 


You have a new online bill from Bank of America Credit Card Account Number : XXXX Due Date : XX/XX/XXXX  Total Minimum Payment Due : {$70.00} Statement Balance : {$210.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX. 

Account # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # Reference # : XXXX / Public Records Bankruptcy Account # Reference # : XXXX Public Records Bankruptcy 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
Product: Mortgage

We having been paying our mortgage for years, and the balance hasn't come down. We recently notice that all payments hasn't been applied. Calling and writing hasn't gotten their attention. Who can help? My company is Wells Fargo. Please email answers to XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I was denied credit approval because my identity was stolen and i wasn't able to get approved due to low score so this needs to come off my credit report as an inquiry
Product: Credit reporting or other personal consumer reports

My personal information has some how been compromised which has led to fraudulent accounts being listed on my credit report by the CRAs. This issue has been brought to my attention as of XXXXXXXX XXXX XXXX. Ive followed up by declaring identity theft. I would like these accounts completely removed from all three bureaus on my credit reports.
Product: Debt collection

I have mailed Certified and Certificate of delivery letters to Blakely Witt Requesting Debt Validation but the company never responded. I have also file a complaint with the XXXX XXXX XXXX. The Company keep Verifying a Balance on my CR but never sending documentation to myself to support their claim. In this case the debt should be removed because according to Texas State Laws and the Fair Debt Collection Practices Act the debt has reached the SOL from original delinquency date Dating back to XXXX from Original Creditor. Also, Blakely-Witt & Assoc. do not have the right to collect in the State of Texas. According to the State of Texas no debt collector can collect unless they are registered by the state. I have also requested Validation that I am liable for the debt and I requested Blakely-Witt provide an agreement with the Creditor that authorizes the company to collect on said debt. This has been an ongoing process and Im terribly exhausted.
Product: Credit reporting or other personal consumer reports

I have had a security freeze with Experian for years. I temporarily lifted it on XX/XX/2024. I was denied credit with Experian listed on the denial letter, so I wanted to log in to put a new security freeze on my account and get a free credit report. My account credentials that I used for years no longer working, I tried retrieving my username and or reset my password. I was asked for my date of birth and social security number, the system rejected the info on 2 attempts saying the info did not match. 

I called the company and after waiting 30 minutes spoke with someone who barely spoke XXXX who informed me there was no account on file for me. At this point I'm worried. Is somehow else using my account with my DOB and SS? 

Has someone hacked my account on Experian, and somehow has my SSN linked to a different birthday? 

Can you suggest a way I can get my credit report from Experian and put a security freeze on my account? How do I know someone else is not using my account since apparently my DOB and SS do not seem to work with Experian to reset password or retrieve username? 

Thank you, XXXX XXXX
Product: Student loan

I am XXXX and looking to get my student loan forgiven and I want to repair my credit. NelNet is no help in accommodating my request. I have faxed over the necessary paper work. Everytime I call they always have a wrong address for me from 7 years ago. Thats 7 years of interest thats accumulated. They said they will send a response to the previous address with their decision even though I updated my address in the NelNet website. Help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday i disputed a collection account... It was originally XXXX XXXX which is a XXXX account. I disputed it as you will see from my images that the debt collector reaged the account reporting it as new which is ILLEGAL per the FCRA. I disputed it and they spent 5 seconds and verified it as accurate even though I explained the date issue they constantly refuse to investigate any of my disputes and refused to take my phone calls now as I get connected then dropped shortly after. They also refuse to allow me to submit disputes.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to correct an accounts opening date on my credit report with 3 Credit Bureaus. The incorrect accounts opening date has resulted in inaccurate reporting that has negatively impacted my credit score. I first reported the issue and have subsequently made attempts to resolve the issue, providing the necessary supporting evidence and documentation to support my claim. Each time, I received a confirmation of the receipt of my dispute but saw no concrete action to rectify the inaccuracies. I believe that a prompt correction of these late-open accounts are essential to ensure the accuracy of my credit report. I kindly request a thorough and immediate investigation into this matter to correct the reported accounts opening date. Furthermore, I insist on a written response outlining the steps taken, the results of the investigation, and a clear plan for the correction within the legally required timeframe. I expect that Credit Bureaus values accuracy and fairness in its credit reporting practices and is committed to ensuring the integrity of my credit report. I would appreciate a prompt response to this complaint. I am asking for your immediate assistance to correct the accounts immediately : XXXX XXXX XXXX  XXXX Balance Owed : {$320.00} ; XXXX XXXX XXXX Balance Owed : {$15000.00}.
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 deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XXXX
Product: Debt collection

I was contacted by Convergent about a due amount from XXXX XXXX XXXX XXXX XXXX I agreed to pay the amount and did so with Convergent in the amount of {$120.00} on XX/XX/2021. In XXXX, 2021 I applied for a mortgage and my otherwise excellent credit was being dragged down by a major derogatory collection by XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and was informed that Convergent has not reported to them the debt was paid.
Product: Credit reporting or other personal consumer reports

I have explained that this account doesn't belong to me and how it is hindering from me from applying for new credit. It is against the law to provide inaccurate information to the credit bureaus and to make payment transactions visible to the public. Please remove this account at once.
Product: Mortgage

Approximately six ( 6 ) months ago my home mortgage was purchased by Fifth Third Bank. 

Several months ago I set up automatic payment of my mortgage from my checking account. 

My mortgage payment is scheduled to be paid on the XXXX of each month. 

On XX/XX/2022 I received an email from Fifth Third Bank informing me that my " account ending in XXXX requires prompt attention '' and that I should take one of the following actions as soon as possible :. Go to XXXX, or any Fifth Third branch to make a payment today .Give us a call at XXXX, option 3 to discuss your account. We're available Monday Thru Friday, XXXX to XXXX. 

.Mail us a payment by check Over the past several days I have contacted Fifth Third Bank to find out why I was sent this email. I was transferred to at least 5 different department. During my first call I was informed by the representative that my XXXX payment had not been made. I told the representative that I had automatic payments for the XXXX of the month already set up. He again repeated the same thing and only after asking him to check again did he see that my payment was set up to be paid the XXXX of each month. 

However, I had still not yet received an explanation as to why I was sent this email. 

Also, it is my understanding that any communication sent that is an attempt to collect a debt must state this fact ; there was no such statement on the email I received. 

Again today I called back and was transferred to several number. 

Finally, the last person I spoke to said that the email I received was just a " friendly reminder '', and that, if in fact I had a payment scheduled, I could just ignore it. 
She explained that it is the procedure of the bank to send out " friendly reminders '' when a payment is not received on the XXXX  of the month. 

I told the representative that I considered this sort of communication as harassment, and a waste of time on the part of the bank. 
I further indicated that based on what I had been told that I would receive these " friendly reminder '' emails every month. 

I again asked as to why the bank would waste their time to send a " reminder '' to a customer whose payment was not yet due and was in fact scheduled. 

Not receiving an answer, I terminated the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act account XXXX XXXXXXXX has violated my rights 15 usc 1681 section 602 A states I have a right to privacy 15 usc 1681 604 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was initially disputed XX/XX/2020 and asked to validate the information or remove from the report and also to remove the duplicate account with the original creditor and the collection agency. Per the FCRA an account can not be listed by the original creditor and the collection agency once the debt is sold to the collection agency. On XX/XX/2020 I received an update from the Bureau that the account outcome was updated. However they did not provide any information on the method of verification, proof of original signature or removal of the duplicate account as requested. I disputed this information and once again received the same letter from the Credit Bureau that the account was " Updated '' on XX/XX/XXXX as if they did not do the investigation, but just sent the same letter again. They have not cooperated with the disputing process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX  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 XXXX i made this clear for XXXX  days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are XXXX consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and XXXX That was after attempting to contact Transunion more than XXXX times. transunion is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE
Product: Debt collection

I had XXXX XXXX Credit Card, which i was disputed as unauthorized charges due to ID theft. XXXX XXXX closed my account after investigation and sold to Midland Credit Management in the amount of XXXX, Midland Credit Management is trying to get money from me which i did n't owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XX/XX/2021 - XXXX XX/XX/2021 - XXXX XXXX  XX/XX/2021 NEGATIVE ACCOUNTS XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions.