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

I contacted Barclays and notified them I no longer wanted this account. Apparently, the account wasn't actually closed and the annual fee was billed in error. I was contacted by Barclay 's collection department stating I was past due. Fortunately, the phone rep corrected the issue by refunding the fees and closing the account but I now see they have reported me 30 days past due which dropped my credit scores.
Product: Student loan

This company reported a consolidation loan taken out by me 60 days after I paid my student loans off in full. The report was filed in XX/XX/2020 to all three credit reports and I never agreed to the loan. I paid all my student loans off with a cashier check XX/XX/2020. When I contacted the company to have it removed no actions was taken. These are fraudulent accounts. The company told me to prove to them I paid my student loans off. I don't have to prove anything to this company. They don't have a record of an outstanding balance or a signed agreement. I've sent several complaints to the credit reports agencies certified with proof. As of today these accounts are still showing up on my reports. I want them removed immediately. 
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 company hasn't reported any payments. Causing my debt being higher then it actual is.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX failed to protect my private information. On XX/XX/year> XXXX XXXX issued an Executive order to protect the sensitive and private information of all Americans. The Executive Order focuses on Americans ' data security, sensitive information, including genomic data, biometric data, personal health data, financial data etc XXXX extorted the use of my credit by conspiring with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. UNDER the law 18 USC 894 this is a violation of Conspiracy. The law clearly states that whoever knowingly participate XXXX, Equifax, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX Credit Reporting Agency, is a Third-Party Collection Corporation XXXX It is in violation of 18 USC 894Conspiracy. The law clearly states that this is a violation against this corporation. XXXX Credit Agency has no right to my private and personal information. 15 USC 1681No permissible purpose. 18 USC 894- States whoever knowingly participates in any way or conspires to do so in the use of any extortion means to collect any extension of credit or to punish any person for the nonpayment. Therefore shall be fine under the title or in prison not more than 20 years. Conspires means_ someone who commits a crime. XXXX Conspired with credit furnishers such as 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 by providing these corporations my private information without my knowledge or consent. These are strangers and I do not know or have a binding contract with XXXX and or any of the corporations who was given my information without consent. This is also aggravated identity theft on XXXX 's part.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 we requested specific information from Transunion which will be listed with this complaint. 

This complaint is for TransUnion and TransUnion only as they are the credit reporting agency. 

On XX/XX/2022 we requested documentation of how the investigation was completed, by whom at TransUnion conducted the investigation, who they spoke with at 1st progress, documentation provided to TransUnion bearing my signature showing that I have a legal obligation to pay this account and that e-Oscar is not an acceptable form of verification. 

On XXXX I received a generic response from Transunion which did not include ANYTHING requested so I am now looking forward to bringing suit against TransUnion in our small claims civil court for 3 separate suits. Defamation, Negligent enablement of identity fraud, and violation of our state 's fair credit reporting act. 

I am now requesting the physical address of the counsel and who I would name on our subpoena so that I may file this in small claims court. A XXXX XXXX can not be used for legal service of a subpoena
Product: Student loan

To Whom It May Concern : On XX/XX/XXXX, I received a letter from XXXX XXXX Firstmark Services ) stated that my student loan ( Account # XXXX ) was paid off in full. To my surprised, I logged on to my account and found a very messy situation, which I have been dealing with since then and still unsolved, which resulted in this complaint. 
I have spent countless hours on XX/XX/XXXX,. XX/XX/XXXX, XX/XX/XXXX ( twice ) trying to resolve this issue. XXXX mistakenly paid off my student loan in XX/XX/XXXX and reversed it ( according to the transaction history online ). It stopped collecting the automatic monthly payments/ withdraws from my bank account. I didnt know about this until I received that paid in full letter. I have tried to rectify the issues with the company but they are unwilling and un-caring about owning their mistaken. From the latest telephone conversation, one of the manager XXXX XXXX XXXX promised that she will make sure all things were taking care of my issue was about the credit reporting. I received emails and calls from Firstmark Services about my late payments, which only happened after I contacted XXXX about the pay off in full mistake. The late fees of the XXXX months were also added into my loan amount. This is fraudulent! 
I received notification from my bank stated that my XXXX  scores had changed ( dropping by XXXX points ). I requested and received the credit report from XXXX ( XX/XX/XXXX ) and found out that XXXX had reported the 2 months late payment. I emailed XXXX and asked them to retract this reporting because of their mistake of paying-off the loan. XXXX refused to do so, stating their reporting was correct. This affected my credits and ability to make plans for financial decisions. 
This is a very frustrating experience with XXXX XXXX Firstmark Services. It made a mistaken and refused to make correction, as a result, the consumers are suffered. It is a fraud to consumers and irresponsible as a business practice as a financial institution targeting consumer like me ( perhaps, XXXX profiling because of my name that is un-Americanized ). Especially, after multiple attempts to result this issues and XXXX still refused to fix the issues. It is predatory practice. I wish the companys practice methodology to be investigated and hold accountable for their wrong doings to consumers. 

Thank you time and assistance in this matter. 
XXXX XXXX
Product: Debt collection

I was living in an apartment at XXXX XXXX at XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX ) from XXXX. The last day stated on my lease is XX/XX/XXXX, and I have vacated on XX/XX/XXXX. The electric utility charge comes from XXXX, and they have not stop my service and keep charging me till the end of XXXX. First, I should not be responsible for the electricity I did not use. Second, I have never received any email or mail from XXXX or even the debt collection company regarding about my bill and the ongoing charge till a collection showed up in my credit report in the end of XXXX.
Product: Mortgage

I wasn't told the amount of my monthly mortgage payments until the day of settlement, before settlement I kept asking how much my monthly payments would be I wanted to be certain if I I could afford to pay. I was told that my monthly payments was what I wanted them, okay I trusted wells Fargo and XXXXXXXX XXXX that they did have my monthly payments around where I told them I could afford to pay and it was nowhere near what I had said they were in which I knew this amount {$1000.00} per month would be a struggle. This has taught me to never trust anyone when it comes to your finances because it is all about a dollar not fairness. 
On XX/XX/XXXX, I purchased a modular home land package from XXXXXXXX XXXX   in which wells Fargo was the service lender. Wells Fargo based my sole income on overtime in which months later I lost my overtime I applied for a modification for lesser monthly payments I was denied immediately. At this point my income became less than what I was paying for my home. In XX/XX/XXXX, my doctor took me out of work due to medical reasons. In XXXX, I had to resign my job because of medical reasons. As I was trying to modify my loan at that point. I understood I couldn't get a modification due to not having income. As my house has gone on the foreclosure list many times at one point we had mediation due to no income the issue wasn't resolved. In XXXX, I finally received my Social Security XXXX so therefore, I now had income but wells Fargo denied my modification. As my housing counselor was scrutinizing my loan information he informed me due to the income I was making per month that it looked like PREDATORY LENDING to him he asked a question was my gross per month {$3000.00} or more at the time of the loan process I informed him NEVER he specifically stated to me that I should have never been in this loan as he was a former Attorney. I have had to file Bankrutcy twice in order to keep my house. Wells Fargo is being deceptive as they will not let me in the door to modify my home. I am going to the extreme to expose them for the Fraudulent acts they have done and is doing and in the mean time trying to save my home. Again this is not a stick built home it is a manufactured home.
Product: Credit card or prepaid card

The account number provided was not the correct number to use to register the account online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just learned about this debt when I looked at my credit report. I was never notified in writing or by phone by this collection agency. I dont know them and I dont owe them. Under the new CFPB Collection Rule, collection agencies must provide proper notification before reporting. They did not. Please remove this illegal collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Debt collection

Yesterday, Wednesday XXXX XXXX XXXX, I received 2 letters by regular mail, both dated XXXX XXXX XXXX, from XXXX, address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and from A & J Collection Agency, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX no matter A & J Collection Agency Inc. address is written in the letter, as located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Both letter are bout the same problem I already filed complaints here to XXXX XXXX and XXXX. XXXX XXXX XXXX does not recognize my Internet and residential phone service was without contract and pre paid : I was not under any contract forcing me to stay for any specific length of time with their service of Internet and phone, precisely because it was without contract. As previously informed, I had no problem with XXXX until XXXX decided to change without any kind of notification, to change the original terms of the no contract pre paid agreement I had, which only required to pay the next month before using the service, there was no way to accumulate months of debt, because every month was paid in advance. When I stopped paying, was not that I owed any amount, it was simply I was not going to pay the next month, the no contract terms does not obligate me or anyone, to stay for any additional month, and there was no cancellation requirement properly notified to myself by XXXX at the time of this agreement back in XX/XX/XXXX. I was never notified of any change to the original agreement, so I was never aware of any change of their terms. The problem started when I stopped paying, meaning they changed the agreement as an unlawful way to try to force me to keep their service by paying next months, presenting a false debt now of {$180.00}, which is bigger lie than the previously false debt reported, which is only accumulated when someone has a contract requiring to stay additional months, if not only under contract applies a penalty, BUT THAT IS NOT THE CASE HERE THIS WAS A WITHOUT CONTRACT PRE PAID SERVICE : IS IMPOSSIBLE TO PENALIZE ANYONE FOR STOPPING TO PAY NEXT MONTH WHICH WAS NEVER USED. Previously submitted documents and new original letters received in XXXX are included.
Product: Credit reporting or other personal consumer reports

In Early XXXX I was a victim of fraud. A Man pretending to rent me some property but instead he scammed me out of my money and a lot of personal information. I have made police reports and this is being investigated. While in the process this person has been trying to apply for things in my name. I reviewed my credit report and have notice some hard inquires that I did not authorize. I have learned to freeze my credit since this experience. I have been building my credit, while repairing it so This has effected my score terribly and since has put 12 new hard inquiries to my report. I would like these removed immediately These inquiries are unauthorized
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. After doing research, Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed now. The inaccurate information is preventing me from getting approved for the things I need to have and causing me to pay higher than necessary interest rates. My information was also impacted by the equifax data breach and may have got in the hands of the wrong person. I will file for litigation if I have to. Please resolve the issues with my credit report. I've also filed previous complaints that were not acknowledged.
Product: Money transfer, virtual currency, or money service

Zelle failed to notify me money was received to my account. My friend XXXX sent me {$720.00} dollar on XXXX XXXX, XXXX. Zelle sent me a text message confirming this until XX/XX/year> XXXX. This is more the two hour difference, which there is no specification on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

A potential lender or creditor reported that they pulled a copy of your credit file because you applied for credit or services with them. A potential employer may also have pulled your report because you applied for a job with them. 
Which is not true! This made my credit score go down by 16 points. 

Clarity Services XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Mortgage

Chase mortgage offered us an attempt to receive a modification or repayment plan last year in XXXX. If we were to be denied the modification they would foreclose on our mortgage. Chase had already denied us XXXX attempts for modification therefore we chose the repayment plan. We were instructed not to give any payment until XXXX of XXXX ( amount of {$320.00} ) and continue with XXXX payments of {$1100.00} ending on XXXX of XXXX. During the whole plan they would place our payment in suspense for a month each month. Then when we gave our last payment on XXXX XXXX, XXXX they called us to inform us our payment was for XXXX, XXXX and that we were late a payment. Chase also indicated that they had {$380.00} in suspense after we gave the last payment because we did not pay enough to cover the XXXX payment. Our repayment agreement states that once we gave all the payments ending on XXXX of XXXX we would be current. We fully understand that we had an escrow shortage for the year ending in XXXX and our payment increased beginning in XXXX for monies owing of {$130.00} ( {$43.00} times XXXX ) which is for XXXX payment amount differences. In XXXX they paid our house insurance which is after the escrow analysis in XXXX of XXXX and they are asking for that SHORTAGE amount now not until XXXX, XXXX as should be. Our payment was already increased for shortages for last year as explained above. They are stating that our payment was not enough to cover our payment because the increase of the insurance. Usually the shortage for this year is collected the following year or you are given a choice to make up the difference for your payment not to increase. The biggest complaint is that according to Chase we have not made the XXXX payment and we have paid every payment as asked for other than the new payment difference to cover the escrow payment difference for LAST YEAR. The manner of showing a payment not given to cover following year 's shortage does not seem to be as in our original mortgage loan documents to be collected the following year and addressing the shortage as a late payment does not seem to be right. We fully understand the shortage has to be paid we just never have seen it collected as a late payment unless the payment was assessed in XXXX which it had not because the shortage is for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A section 2 states : it also staes a consumer reporting agency can not furnish a account without my written instructions.

15 USC1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX hard inquries on my Transunion Report from the company XXXX XXXX Deal on XX/XX/2020.
Product: Mortgage

Seneca Mortgage Servicing is infringing on my rights as a senior citizen ( over XXXX ) to pay my real estate taxes in accordance with Texas law section XXXX which allows taxes to be paid in XXXX equal amounts due XXXX, XXXX, XXXX and XXXX without penalty or interest. I 've been doing this for the last 14 years with no problem. On XXXX, I received a letter from Seneca regarding non payment of delinquent taxes even though I was on schedule and my taxes were being paid. They gave me 30 days to contact the office for resolution. I contacted their office on XXXX and they informed me that Seneca had already paid the taxes on XXXX and an escrow account had been set up. I 've made XXXX phone calls to the Seneca tax office and customer service with no resolution. 
This is an obviously ploy to unethically/illegally set up an escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The car was crashed my insurance XXXX paid {$11000.00} and the gap insurance XXXX XXXX paid the remaining balance except for {$500.00} to XXXX XXXX auto finance. It comes up on my credit report as a repossession. I had to pay higher interest rates because of this information
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : address and names not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA Violation : credit card not mine XXXX  XXXX FCRA Violation : hard enquiries not mine XXXX  XXXX XXXX XXXX XXXXXXXX FCRA Violation : other loan not mine XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX has " PAID '' electronically on XXXX XXXX, 2017 the amount of XXXX XXXX XXXX dollars and XXXX cents {$520.00} towards my M & T Mortgage loan ( ending in XXXX ) for the month of XXXX 2017, and I am responsible for the remaining balance of {$350.00} as this is my last homeowner assistance payment per the letter I received on XXXX XXXX, 2017. On XXXX XXXX, 2017 I called the M & T Bank General Customer Service phone number and spoke with M & T Bank employee XXXX whom stated that the payment is not there. I called back again after speaking with XXXX XXXX XXXX XXXX and I last spoke with M & T Bank employee XXXX XXXX, supervisor ( so stated ) in regards to my XXXX XXXX, 2017 mortgage payment. XXXX XXXX whom stated that works in the Mortgage Assistance Department with M & T Bank that she would need to send an email to another department that receives the Mortgage assistance payments and will note my account. XXXX XXXX XXXX  program stated that the payment was sent electronically to M & T Bank on XXXX XXXX, 2017 in the amount of {$520.00}, and The PAYMENT is THERE. I find it ludacris that with all that I spoke with at M & T Bank today, XXXX XXXX, 2017 claims they can not find the payment made by XXXX XXXX. Later I went ahead and paid the full amount of the mortgage of {$880.00} online for the month of XXXX 2017 mortgage and want the amount of {$520.00} " CREDIT '' towards XXXX 2017 mortgage payment. The last XXXX  XXXX Assistance payment should not have been returned and the employees I spoke with at M & T bank claims that the last homeowners assistance payment is not there.
Product: Credit reporting, credit repair services, or other personal consumer reports

There shows to be a closed/charged off XXXX  account on all 3 credit company reports. I talked to XXXX  back in 2018  up to current about this showing up. I recently got an account with them to help build credit, but didn't have an account with them in 2018. I talked to XXXX  they had my address on file to which was an old address and I made a fraud claim. They did nothing. I contacted the credit agencies for further investigation as well as the federal trade commission. This is still showing after I was advised it was handled and to give it 30-45 days to remove months ago. 
This needs to be removed immediately.