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

There are 2 medical bills that are on all 3 of my credit bureaus that are not mine. I noticed the bills this weekend on XX/XX/2018. I was referred to the Consumer Financial Protecon Bureau and demand you to delete this misleading information in order that it show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently seen some unverified accounts on my credit. I reached out to the company also reach out to the three credit bureaus, I havent recieved a proof of my debt and it took almost two months for a response! They said something was verified but couldnt tell me who verified it or didnt give me proof
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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

Transunion makes it extremely difficult to file disputes online. They tell you to click on things that never appear on the screen. I have screen shots of the whole terrible time i had trying to file a dispute. They say click on 'start an investigation ' next to the listing youd like to dispute but there is no such item. They clearly want to deter people from filing a complaint online. Im going to have to submit by mail lets see how thst goes they probably will claim they never received it. As you can see on the attatchments i uploaded you will see their instructions to click view in the results column but their is no such colum and when i click on my name it does nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This a simple complaint. I filed disputes to the credit bureaus in XX/XX/XXXX I received responses from XXXX XXXX and XXXX but never from Equifax. After about 4 months of waiting, I sent Equifax another dispute in XX/XX/XXXX. We are now in XXXX and again I have not received a response from Equifax. I have been waiting patiently for Equifax to do it 's job but I ca n't simply wait anymore. There are erroneous accounts that are preventing me from obtaining credit at a reasonable rate which XXXX XXXX and XXXX corrected months ago but Equifax will not do what it 's supposed to by law. The accounts are XXXX XXXX XXXX. XXXX of them in fact. I do not owe them nor XXXX XXXX any money. They need to complete an investigation as mandated by the F.C.R.A. and notify me of my results within 30 days. I am filing this complaint to you because I ca n't trust Equifax to do it 's job since they failed me twice already. Please help me.
Product: Student loan

Everytime I ask for my payments to be lower they would not allow it but instead suggest forbearance or deferment. They implied these would help me get caught up when in fact it hurt me more. Never offered all of the solutions that should have been offered to me. Only offered solutions that would keep me in debt longer and make my loan and in treat higher. Also when I applied for XXXX the payments are still very high.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX on the cusp of time to pay my XXXX house payment, I was transferred to BSI Financial ( not my choice- but the ridiculous way things happen to individuals by big business ). I was informed by prior mortgage company not BSI. I attempted to pay my mortgage to new company as instructed - but BSI did not have records ready for me to do so. It took more than one hour on phone to get that straight. Reason provided was that BSI had taken on many transfers. That should not be the consumers problem!. My loan is set up to escrow taxes and insurance and for mortgage company to remit. My insurance premium was due XX/XX/XXXX and once again I had to take my time to facilitate what should have been a seamless transaction by BSI. They paid the premium late!!! This has never happened in my decades of home ownership. Taxes were due no later than XX/XX/XXXX. Once again I had to wait on hold to the ONLY phone number provided by BSI and was promised about 10 days prior to XX/XX/XXXX that the taxes would be paid. THIS DID NOT HAPPEN. Another call week on XX/XX/XXXX to BSI - XXXX minutes on hold at ONLY PHONE NUMBER - only to be told they are busy! I am busy too and should not have to monitor a mortgage company. Was told AGAIN that this would be resolved and I would hear by XXXX XX/XX/XXXX. Of course no phone call and no tax payment and late fees have now been incurred. These people are horrible. I want resolution and do not know where to turn. Considering filing a breach of contract suit. Please help me and please place sanctions on this terrible establisment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/27 I sent a 609 letter to each bureau, XXXX, equifax and XXXX  on behalf of inaccurate information reporting on my credit report. I have not received any response from neither bureau. Please investigate on behalf of my disputes sent on XX/XX/27. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi i am writing today in hopes to get your help i recently reviewed my credit report and i saw that you are reporting me 30 days late ( they are different days by all the credit bureaus so i will attach a picture of it ) and i was shocked when i saw it because i always pay my bills on time i cant remember what happened then i dont remember missing any payments but i cant argue on that since i dont remember but that is not me i am not the person that pays my bills late and you can imagine what this means for me i was gon na lease a car and i they wanted a way higher rate then i was supposed to get so i beg you to please update the 30 days late on my credit report to reflect as current it would be a great help to me Thank you so much!
Product: Checking or savings account

My employer deposited my payroll check via ACH to my checking account on XXXX/XXXX/XXXX for XXXX which would have given me an available balance of XXXX. I received a text telling me of the deposit on XXXX/XXXX/XXXX. I had a check for my rent to go through on XXXX/XXXX/XXXX for XXXX. I received another text alert on XXXX/XXXX/XXXX saying that the check cleared my account. Then I woke up to a text around midnight telling me that an overdraft fee posted to my account. I went into the branch the next morning on XXXX/XXXX/XXXX and talked to a rep who said the check was returned and I received an insufficient funds fee because when the check went through it took me negative XXXX. I asked him why and explained the deposit that I was alerted about, showed him the text messages and he basically told me that the text banking and mobile alerts are unreliable and that I should have looked at online banking to get my available balance. The text alert I received was not good enough because it did n't say my available balance and the only thing it was saying was my employer initiated a deposit. Basically telling me of the back office work. He said they have a 3 day window to post the ACH deposit to my account and they did it in 1 day. Then he said it could take them XXXX to 10 day to post ACH items and that was in the disclosures I received when I opened my account ( years ago ). He printed out my account activity but it had different dates that didnt go with the text and email alerts I received. He said he had to talk to his XXXX who wasnt there about refunding the fee. I asked was there someone else to talk to about this and he said the branch XXXX isnt there on the weekend and then gave me their cards and pointed out the customer service number and told me they can point me in the right direction or explain it better. He told me that had I deposited cash into an ATM it would be available immediately and I told him that 's not true and this had happen to me before but he did n't seem to believe anything I said according to the smirk on his face.
Product: Credit reporting or other personal consumer reports

This was an error that they did not fix Experian failed to fulfill its legal obligation under the fair credit report failed to remove any disputes on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting 2 accounts incorrectly to Experian. I have filed over 20 disputes and each time they verify the account is reporting correctly. I have asked Experian to provide me with a copy of how they validated what XXXX is reporting. They have failed to do so. I have asked XXXX to confirm my account history. They have failed to do so. I have now found my original receipt which confirms these accounts are not reporting accurately. I would like both removed immediately.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I disputed with Equifax credit bureau explaining that payment. I supplied verification of payment that was made to 3rd party collector. Account is still showing unpaid with balance.
Product: Debt collection

On XX/XX/XXXX, I spoke with XXXX XXXX XXXX XXXX XXXX XXXX who is seeking to collect {$36000.00} for an apartment rental I never rented. They said they will send me a fraud packet and they have, though I still am putting together some of the necessary documentation to send back to them. 

On, XX/XX/XXXX I spoke with XXXX XXXX XXXX after they mailed a letter on XX/XX/XXXX asking about a collection of {$16000.00} that is associated with a creditor ( XXXX ( PA ) ) that I have never heard of before and never authorized any kind of account or expenditure through. I have requested a fraud packet from them but have yet to receive it. 

In XXXX of XXXX, I initiated a dispute with XXXX over a charge for a service I don't have an account or service for. That is still on my credit report for some reason, though no documentation was ever provided to do more than report it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX student loan company reported my account to the credit bureaus ( XXXX, equifax, and XXXX  ) as deferred. The account status should have showed on time due to covid-19. No payment no interest for six months. When it was reported wrong it allowed my credit score to drop 53 points. 
Right not there are millions of others as well with the same issue with XXXX XXXX. This is unjustly, and has majorly affected my credit score because of their error.
Product: Vehicle loan or lease

I received a check for {$20000.00} from my bank ( XXXX XXXX XXXX XXXX ) and sent it to the lienholder on my ( American Credit Acceptance aka ACA ) via XXXX ( tracking number XXXX ). ACA received the payment on XX/XX/XXXX @ XXXX am. It was signed for by XXXX XXXX. I sent it to the address given to me by customer service, which is XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. I called to follow up several times and get the same run around. Now they want the check number, which is XXXX. They are still giving me the run around as I am on the phone with them right now and have been everyday for two weeks trying to reconcile this. 

On XX/XX/XXXX, they sent a letter saying I was in default of the loan. I received that letter the day after I made a payment because I didn't want the account to go 30 days past due. 

I do not know what to do! I have had 30+ automobiles and this is the first time I have ever experienced this. I have exceeded the 10 day payoff period quoted to me and passed to my new financial institution and am now paying more interest on the ACA loan because they are claiming they do not have the check. 

What do I do? It seems that they are just running me around. Please help.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$970.00} XXXX  XXXX Balance : {$750.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX Balance : {$5300.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$2300.00} - XXXX  XXXX XXXX Balance : {$34000.00} XXXX XXXX  XXXX Balance : {$30000.00} XXXX XXXX Balance : {$4200.00} XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$9000.00} XXXX XXXX XXXX XXXX : {$9700.00}
Product: Debt collection

THIS IS NOT MY ACCOUNT. ARGUES WHEN CONTACTED. ASKED FOR PROOF AND HAS NOT PRODUCED PROOF OVER 2 YEARS AGO. NEVER HAD CABLE OR SERVICE, I DO NOT WATCH TV. WAS IN HOSPITAL 6 TIMES DURING THE TIME THEY SAY WAS OPENED. 

I.C. SYSTEM, INC Original creditor : XXXX XXXX XXXX details 0 % of this account is paid off Balance {$520.00} Balance updated XX/XX/XXXX Original balance {$520.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX Payment summary XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Comments Account information disputed by consumer Your statement - Contact info Name I.C. SYSTEM, INC Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an installment account opened at XXXX on XX/XX/XXXX Account number ( XXXX ) an revolving account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) an fraudulent address reporting as XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX These accounts and address have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Convergent Outsourcing Inc violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a )
Product: Credit reporting or other personal consumer reports

I need to re-document and refile this grumbling to EXPERIAN. I kept in touch with them the errors of my credit report including dates of last payment, dates opened, payment history, and account status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. My rights have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following entries on my credit report, which I believe to be inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$280.00} XXXX XXXX - XXXX - {$53.00} I have made numerous attempts to correct these discrepancies, submitting the required documents and following up multiple times, but no action has been taken. These errors have caused unnecessary financial hardship and have put an immense strain on my personal well-being. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report free from inaccurate or unverifiable information. I expect a thorough investigation and a resolution in a timely manner. Please ensure that these concerns are properly addressed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late fo any reason.
Product: Credit card or prepaid card

SO! I was approved instantly for the Capital One Venture X Card with a sign up bonus etc a short while ago. I got the card sent to me in the mail, and immediately had my account restricted. 
I spent time to call Capital One ( multiple times ), and they explained to me, that even though i was approved, ( AND ofc provided a social for them to run a check etc. in the card application ) and even though i received the card in the mail, they needed my last 3 BANK STATEMENTS to prove my income. 
So, with no choice, I spent the time to upload them, and had to wait 7-10 business days for an update. ( I was hoping to use the card in the meantime for travel benefits etc. ) ANYWAYS, after a full 10 days and no change, I called Capital One, only to find out that my account had been closed. That means a lot of wasted time till now. Roughly 10 hours total unfortunately. 
In any event, HERES THE KICKER!!! 
They are asking me to pay the XXXX $ card fee!!!! I have a statement that came in the mail today saying that I need to pay XXXX $ by the next billing cycle for a card I WAS NEVER ABLE TO USE! and XXXX $ due balance. 
SO, I called capital one, and predictably they said that since the account is closed, they cant see into it. 
I now need to speak to a manager from capital one who maybe can help me.. 

-Note- This was about a month ago. 
About 2 weeks ago, I got a bill in the mail for the XXXX $ annual cardholder fee. and that i need to start paying interest on that balance. 
This is crazy. They're charging me for a card I never was able to use.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS Reporting a balance of {$2000.00} on a closed account since XX/XX/2013 with a monthly payment of {$24.00}. TransUnion will not update account that has been closed over 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX I was denied employment due to too many delinquent accounts on my credit report. So I pulled my credit report and found that XXXX XXXX XXXX is Reporting a Transferred closed account as Closed, Current, delinquent and late. I sent a dispute to all 3 Credit bureaus and received a verification of that debt. As of today no one has explained to whom I owe this debt to and why. 

Account on XXXX reports as follows : Open XX/XX/XXXX Account Closed Account Transferred to another office Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX Account on Equifax reports as follows : Open XX/XX/XXXX Account Delinquent No Comments on file Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX Account on XXXX  reports as follows : Open XX/XX/XXXX Account Delinquent Account close to the transfer Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX XXXX