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

Late payments are reported on my credit report, despite being part of the COVID payment relief period during 2021.
Product: Checking or savings account

On XX/XX/19 PNC Bank charged me an overdraft fee three times despite the fact that my account had a positive balance of {$19.00}. Those three fees ( {$36.00} each ) caused my account to be overdrawn, which then resulted in a cascade of additional fees, totaling {$390.00}. My account is now overdrawn {$680.00}, with {$390.00} of that being fees charged by PNC. PNC refused to refund the fees when I contacted them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently spoke to a manager names XXXX regarding my account with Santander for an auto loan. We own a XXXX XXXX XXXX that we have a loan with them through. 

We had fallen significantly behind on our monthly payments due to Covid 19 and a personal family issue. I spoke with an agent to inform her that our goal was to try and begin getting the account caught up. We were prepared to make a payment of {$1600.00} to avoid repossession. 

I also stated that our account had shown as charged off since XX/XX/XXXX, the first time we had significantly financial hardship. Having the account show charged off has impacted our credit substantially. I asked her to update our credit profile once this payment was made as the account is NOT closed as it shows on our credit report. 

She said it was against company policy and that the only way to have it report or updated was to pay of or settle the loan. I requested her to reconsider as we were doing our best to catch up and she declined. I then asked to speak to a supervisor, XXXX. He said the same. Under NO circumstance would they report on time payments going forward and the account would remain in charge off / closed until it was paid off or settled. 

I said that I did not believe it was fair as they are continuing to receive my money and that I have more to risk on my credit report if I fall behind again. He said he was unable to change his mind. I was then alerted that I needed to pay {$2800.00} to keep the car from being repossessed. I asked for the tow truck company information and intended to call then until my wife calmed me down and suggested we just pay the amount. 

So, Friday I paid over {$2800.00} to bring our account current on a loan that shows charged off / closed with a bank that refuses to report it properly to the credit bureaus. 

How can they leave it in that status if they are continuing to accept my money? 
How can they call it closed or charged off if they accept my funds still? 

I would like them to update my report going forward to show the current status and status going forward. 

I do not believe this is fair treatment of me as a customer and do not believe that have a right to refuse to report this while leaving inaccurate information on my report. 

I am formally requesting they update the account to show current and future payments OR they remove this listing from my credit entirely.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a dispute was delivered to Transunion to investigate a fraudulent late payment reporting to my account. They responded by claiming that it was verified. 

I requested a method of verification and submitted a FTC Identity Theft report to have this unauthorized item removed from my credit reports, but they never responded to my next dispute. Those items were delivered to them on XX/XX/XXXX and I have the tracking numbers here to prove it. 

XXXX XXXX XXXX I ask that you assist me in making Transunion follow the law because if I have to take them to small claims court, I will since they are blatantly ignoring me and my rights.
Product: Student loan

I received a credit report due to other fraudulent situations with my taxes and I saw that there are some credit items now two accounts that are department of education Nelnet partial account and their account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it says that it was open XX/XX/2013 it was for education and it was first reported owing {$1700.00} and it is a partial count there's one right under it the same account number same date that it opened but a different amount and that amount is {$2600.00} because of these two education places that have put out a loan on me I have not attended school I have not put out for a student loan to go attend school so this is not me that I have no reason to be paying anybody ain't got money for a student loan so Iwould like to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple times payment history is incorrect on account. This account is showing open from 2015 and has no payment history but yet has late payments? I have also sent them a certified letter disputing errors and they did not respond at all. It has been 30 days now as well and they have not responded according to the Fair Credit Reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Senior Personal Lines Underwriter XXXX XXXX notified my XX/XX/XXXX that Lexis Nexis provided XXXX  an insurance score at some point in the spring of XXXX on which basis my home insurance premium was raised according to my agent by over 10 % starting in XX/XX/XXXX. However, the information disclosed in the XXXX  notice indicates false information is being propagated by Lexis Nexis and yet no ability to receive any information from Lexis Nexis has been demonstrated to date. They have sent no response to multiple website form submittals, three letters written requesting my credit report or insurance score information mailed in large print to their address given by XXXX, or over a dozen phone calls starting with first contact XX/XX/XXXX. I have no ability to " correct '' their false information without having the opportunity to see what information on me they are selling and without being able to get a copy of my credit report after 6 solid months of trying to do so. Here are the dates on which we contacted them by phone : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Here are the dates on which the letters were mailed to them requesting credit report and insurance score : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

I went into Chase bank on XXXX XXXX XXXX XXXX XXXX GA XXXX. I applied for a business loan for the second time in two years. On XXXX XXXX, 2017 I got a letter from them that denied me. They said that it was for the following reason of derogatory personal public record or collection filed along with a few other. They also said that they relied in whole or part from a report from XXXX and my credit score showed XXXX. I pulled my credit and XXXX showed XXXX and XXXX XXXX score. I also have no derogatory public records as of XXXX/XXXX/17. I want to have CHASE investigated because I have been with them 13 years and want to know what criteria is needed to get a loan because I feel like I am being discriminated against. I am also seeking legal counsel on this matter. I can email someone supporting documents. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing a debt being reported by XXXXXXXX XXXX and XXXX XXXX. 
I am uploading documents that are PROOF that the 2 accounts listed below are 7 years old and should be DELETED immediately from my Trans Union credit report. 

A ) I have uploaded you part of my credit report showing the account reporting with the Last Payment Made on XX/XX/XXXX B ) I have uploaded a letter from XXXX XXXX  Showing the payment on XX/XX/XXXX. 

C ) Another letter from XXXXXXXX XXXX  showing this account was charged off XX/XX/XXXX. 

According to the information being reported I believe this account has been re-aged and I will go to court if I have to. 

My question is why is the information still on my credit report as the Last Payment Date XX/XX/XXXX is clearly 7 years old. 


Please DELETE both accounts listed below. 

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

Equifax ; XXXX  and XXXX  are reporting incorrectly a charge-off in the amount of {$5400.00} on the XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was sold at auction and sold for more than the amount due so consequently this account needs to report a {$0.00} balance. Even after the vehicle was sold, an increased balance due is being reported. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this line item however, I have not been successful.
Product: Debt collection

The medical debt collection from Transworld Systems Inc was placed on my credit reports without proper notification. I previously disputed the account with all three credit bureaus. I was able to determine the original creditor as XXXX XXXX. I have paid the debt with the original creditor as shown as the attached documentation. I am requesting that the collection account from Transworld Systems Inc be removed from XXXX credit report.
Product: Credit reporting or other personal consumer reports

There are inquiries from your company on my credit report that I never authorized, and theyre seriously affecting my credit score.
Product: Credit card or prepaid card

On XX/XX/XXXX of 2020 I was notified that my US Bank Focus Card had a fraudulent charge and was deactivated. I was told a replacement card would arrive within 2 weeks. I waited until XX/XX/XXXX before calling the US Bank Focus Card hotline because I knew that the holidays would slow down the shipping. When I called I was notified my card hadn't even been sent but that a new one had been sent with expedited shipping and would arrive by XX/XX/XXXX. It is now XX/XX/XXXX and my card still hasn't arrived. I called the hotline again and was told the card hadn't even been mailed yet. It's now been a full month I haven't had any access to my funds and it is all due to the incompetence of this financial institution. I would very much appreciate it if something could be done to not only ensure I haven access to my funds but to also ensure those in charge of the US Bank Focus Card can't XXXX  over any other people.
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am composing this letter to formally file a XXXX  about the inaccurate personal information that appears on my credit report. I discovered confidential information that does not belong to me while reviewing my credit report, including [ specific details such as an incorrect name, address, and Social Security number ]. I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies, as this erroneous information may have a detrimental impact on my creditworthiness and financial standing. Your immediate attention to this matter is greatly valued, and I am in anticipation of a prompt resolution to guarantee the accuracy and integrity of my credit report. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. ''
Product: Mortgage

Newrez/Shellpoint has reported my mortgage delinquent to all three credit bureau agencies . This reporting is inaccurate I called the mortgage company to Inquire what they had and they insisted that my payments are up to date and on their end they have not reported my mortgage account as delinquent yet this does not align with my credit report. They are refusing to do anything about this and I pay my mortgage every month. I am highly upset this is a e ethical and fraudulent. I am requesting that they remove these incorrect delinquent reports from my credit report ASAP.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed several unauthorized credit inquiries that I did not initiate or authorize. I am writing to formally dispute these inquiries and request their immediate removal from my credit report. 

The unauthorized inquiries are as follows : 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  I have not authorized these inquiries and am concerned that they may be the result of fraudulent activity. Therefore, I kindly request that you investigate and remove these unauthorized inquiries from my credit report immediately.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX sold loans before XXXX  and information reappears on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My report is showing XXXX as the servicer for my student loans but the correct company is XXXX and this needs to be corrected.
Product: Credit reporting or other personal consumer reports

I am requesting XXXX XXXX account XXXX XXXXXXXX be removed from my credit report due to inaccuracy and false reporting. XXXX XXXX, XXXX and Equifax are reporting completely different payment history profiles due to this inaccuracy please remove whole account from my report immediately. 


ALSO XXXX XXXX HAS A 2ND ACCOUNT ENDING IN XXXX XXXXXXXX REPORTING INCORRECT INFORMATION AS WELL XXXX XXXX reports good payment history as for XXXX is reporting charge off XXXX when Eqifax is reporting good payment XXXX history for same time periods please remove whole account due to inaccuracy.
Product: Student loan

Ahead of repayment resuming in XXXX, I applied for a SAVE plan for my loans in XXXX which estimated that my repayment would be around {$300.00}. Edfinancial denied my application at that time " because my loan was not in repayment, '' and I had to hunt the correspondence that informed me of that decision down on their website ( which took some digging because they didn't inform me of that decision via email or anything at all ). I was only trying to get ahead of payments prior to them resuming. When they posted my payment in XXXX, they made the payment due by XX/XX/XXXX and the amount was roughly {$2400.00}. I immediately reached out to Edfinancial and also resubmitted my SAVE application ( again estimating that my repayment would be around {$300.00} ) because I would not be able to afford that payment. I inquired about why my payment was due in XXXX when repayment was supposed to begin in XXXX as well. The company did not reach back out to me until XX/XX/XXXX when they called to inform me that the application that I submitted in XXXX had been denied. The company had no idea that I had already re-submitted the application AND by that time, they had already posted payment due in XXXX, so the total payment that they were requesting from me was roughly {$4800.00}. The nice woman on the phone suggested that I just wait the application out since not paying will not affect my credit for the first year, which was nice to know, but not helpful in addressing the situation. When someone finally responded to my inquiry about payment resuming prior to XXXX, Edfinancial had already sent me an 11 day delinquency notice and adjusted the due dates to reflect payment due by XX/XX/XXXX and XX/XX/XXXX respectively. 

When they finally processed my SAVE application ( which they never told me anything about ), my account reflected that I would owe nothing for XXXX or XXXX. Except now, they're requesting that I pay {$2200.00} by XX/XX/XXXX when my SAVE application on XXXX says that I should be paying {$210.00}. This is a major discrepancy ibn payment that I can not afford with no correspondence from Edfinancial.
Product: Credit reporting or other personal consumer reports

I did not ask to have alleged debt verified, or if said debt collector felt correct in it actions of reporting my personal information to consumer reporting agencies. I am simply letting you know that it is against federal law to furnish my personal information which may include but not limited to consumer utilization, late payments, or having an account in collection status. If you are reading this but unfamiliar with federal law please forward to your company attorney. 

My account information was placed on my consumer report without my written permission or knowledge. In accordance with the fair Credit Reporting Act, convergent you violated my rights. 15 USC 1681 Section 602 A states : I have the right to privacy. 15 USC 1681 Section 604 A Section 2 States : A consumer reporting without my written permission, consent, or instruction. No person shall be held liable for any violations of these Sections. Businesses must maintain procedures to assure compliance with the provision of these Sections. 

You are reporting a specific amount this would be considered personal information. 15 USC 1681 A 2 and A 1. You are reporting on this account that congress defines transactions and experiences are not to be included on any consumer report. Willful noncompliance under 1681 N civil liability will hold you liable for any damages, denials of credit or rejections due to inaccurate reporting.
Product: Credit reporting or other personal consumer reports

Dont know if disputes were ever fully investigated. Sending in complaint due to the lawsuit against Experian.
Product: Debt collection

My information was exposed in the data breach and i contacted Equifax about this problem a couple of times. And i need to remove this off my credit report within 4 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reporting this for months and its now time for actions. 


I have reported time and time again that I can not get my credit score and report. 

I keep getting this same error as attached- Equifax also illegally dropped my points Over 120 Points twice in XX/XX/2022, and ever since my score has been awful low even with XXXX per Ft payment history Per statutory fine I am entitled to {$1000.00}
Product: Debt collection

I have a credit card debt that is not mine in my credit report.
Product: Money transfer, virtual currency, or money service

I HAD LEFT MY LAPTOP ON INSIDE A PUBLIC OFFICE. SOMEONE HAD MADE A TRANSACTION FROM MY ACCOUNT TO ANOTHER INDIVIDUAL WITHOUT MY AUTHORIZATION. THIS HAS HAPPENED BEFORE TO THE SAME INDIVIDUAL, PAYPAL DOES NOT ALLOW FOR ANY EXPLANATIONS AND CHOOSES NOT TO BELIEVE THEIR OWN CUSTOMERS. THIS IS THE 2ND TIME THIS HAS HAPPENED AND IM SICK OF PAYPAL HELPING THIEVES.
Product: Credit reporting or other personal consumer reports

Transunion & CHILD SUPPORT are violating my consumer rights by reporting this incorrect account. There is no other information listed for the allege creditor to follow up with them on this allege debt. How was Transunion able to validate this information without being able to contact this company. Who exactly did Transunion speak with or what documents were received to prove that this debt belongs on my consumer file. Validation falls on the the consumer agencies not the consumer therefore please provide all information relevant to this complaint.
Product: Student loan

Navient has consistently been deceptive. Loans should be resolved. Administrative forbearances were placed on private loans for years without my knowledge or consent. During this time, I had a demonstrated inability to repay these loans and they should have been defaulted and charged off. Instead they were held onto for 14 years. I am concerned that these practices and others go against Consumer Protections like the right to be informed and fair debt practices. I am concerned that the lack of transparency, or information provided to me or available to me has prohibited my ability to repay and resolve these loans. These loans have been on my credit reports for over 20 years and have significantly impacted my financial life.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX XXXX and TransUnion are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXXXXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$18000.00}
Product: Credit reporting or other personal consumer reports

Immediate Verification of Alleged Debt under oath Required NOTICE to : XXXX  and XXXX  and XXXX XXXX XXXX I am a federally protected consumer, a natural person under the Fair Debt Collection Practices Act pursuant to 15 USC 1692a ( 3 ) and I hereby demand prompt verification of the alleged debt under oath to lawfully verify documents as factual evidence. Provide irrefutable evidence of its authenticity, legitimacy and alleged debt origin including but not limited to ; 1. A signed Original Agreement with both parties ( Myself & Credence Resource Management Signature showing meeting of the minds. 2. Full disclosure of Credence Resource Management XXXX XXXX regarding collection of alleged debt. 3. Full disclosure of accurate numerical breakdown from zero to current alleged owed. 4. Confirmation of the statute of limitations. 5. Provide proof that Credence Resource Management can legally collect in the state of South Carolina by providing authenticated proof of company license number to do business in the state of South Carolina and is the holder in due course. I am demanding Credence Resource Management Pursuant to 15 USC 1692 ( g ) ( b ) to cease all collection activities until lawful verification under oath is provided to avoid violating my consumer protection rights. A timely response within 30 days is expected, in compliance with the Fair Debt Collection Practices Act ( FDCPA ) and Consumer Financial Protection Act ( CFPA ).