23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Dear Transunion, I am writing to dispute inaccurate information on my credit report. My student loans are incorrectly listed as delinquent or past due, even though they are currently in deferment and no payments are required during this time. 

Details of the student loans : XXXX Name : XXXX XXXX XXXX Account XXXX : XXXX XX Deferment Start Date : XX/XX/year> Deferment End Date : XXXX I have enclosed the following documents to support my claim : XXXX letter from my student loan servicer confirming the deferment status -Other relevant documentation Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate and correct the incorrect information on my credit report. Please notify me in writing once this issue has been resolved. 
Thank you for your attention to this matter. Should you require any further information, please contact me at XXXX. 

Sincerely, XXXX XXXX
Product: Mortgage

I am just trying to save my home and my lender is refusing to help. I have never had a loan modification in the life of my loan. I hoping that this will make them to properly review my account and help me save my home!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified items on my consumer report that is a result of identity theft. The information reporting is not accurate and is an improper use of my information. Please delete and block all negative information reporting. These inquiries and/or late payments aren't accurate, was not a transaction authorized by me. These are the following : XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Credit, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XX/XX/XXXX The CRA have old addresses on my file that leaves me vulnerable to more possible identity theft. My current mailing address XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on this for some time now. XXXX is the only company that is listing my creditors and credit score. XXXX literally told me that I can not have a 1 letter last name. XXXX would no longer help me any further. Experian can not find anything except when entering my middle name of XXXX as my last name. What they did find are two older accounts that were closed over 10 years ago. Experian did open an investigation into the matter. They concluded that my creditors were not reporting any information to them. So I called all of my creditors, 5 student loans and 4 credit cards and they all state the same thing. They are reporting my name and information to the three credit bureaus as is - XXXX   XXXX  XXXX. This is now affecting my ability to purchase a new home. Please help me ASAP.
Product: Student loan

XX/XX/2006 I filed for Ch XXXX bankruptcy protection. At that time, I owed {$39000.00} for my student loans. When I filed, my loans were transferred to ECMC ( Educational Credit Management Corporation ). Once my loans were transferred, ECMC assessed fees in the amount of {$10000.00} therefore increasing my loan balance to {$49000.00}. My bankruptcy has now been discharged and I am now faced with a loan balance that has increased by XXXX %. I am in need of information as to how and why ECMC can legally assess me with such a large fee simply for taking over my loan and how I should proceed so that I may begin making payments on my loan.
Product: Credit reporting or other personal consumer reports

I RECEIVED A LETTER FROM ED FINANCIAL STATING MY ACCOUNT WAS PAID IN FULL WHEN I CALLED TO ASK THEM TO HAVE IT REFLECT PAID IN FULL ON MY CONSUMER REPORT THEY SAID THAT IT WASNT.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. It appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX  XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX, WY XXXX ; XXXX XXXX  XXXX, XXXX ; XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, FL XXXX ; XXXX  XXXX XXXX XXXX, XXXX ; XXXX/XXXXXXXX XXXX  XXXX : {$0.00} ; XXXX XXXX  XXXX XXXX : {$1300.00} ; XXXX XXXX  XXXXXXXX XXXX Balance : {$5500.00} ; XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX {$7700.00} ; XXXX XXXX XXXX XXXX Balance : {$7700.00} ; XXXX XXXX XXXXXXXX XXXX  Balance : {$230.00}.
Product: Debt collection

XXXX, XXXX XXXX XXXX Is garnishing my wages without notifying me first and without filing the judgment ( if it is accurate-still do n't know if it is ) in the state of XXXX where I reside, per XXXX law. 
The establishment is also in possession of {$100.00} erroneously withheld from my pay on XX/XX/XXXX. My pay was under the federal poverty level guidelines. It is my understanding that XXXX ( payroll processor ) has made several attempts to retrieve the funds and the establishment has not responded
Product: Credit card or prepaid card

I was scammed by an XXXX company for a website with the total amount of {$920.00}, after a couple of months waiting for my website I never received what my signed contract said. 

Because of that, I started a chargeback with my credit card company Apple Card - Goldman Sachs, and after submitting all my documents with fully evidence of the scam, they decided not to adjust the payment because they just investigated the merchant payment portal that is XXXX and not the merchant behind the transaction ( the XXXX company ). 

This is absurd, and its fully of excuses, this was not a proper investigation and I demand this bank to be held accountable for not properly investigate and always be in favor of merchants even if it was a scam. 

I will be including some emails from the XXXX company blackmailing me for the refund of this money.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company. C
Product: Credit card or prepaid card

On XX/XX/20 I attempted to make an on-line purchase in the amount of {$170.00}. The company took my money and sent me a confirmation email. I then found out the next day that the company was fraudulent and contacted them via email for a refund. They would not respond. I then called XXXX  who said that I would have to write a letter to them to start an investigation. They then refunded the money back to the card. Several months later they sent me a letter stating they were rejecting the claim, and they took the {$170.00} back off the card. I contacted them, told them I had proof from the US Post Master in XXXX that I never received the order. The company sent something to a XXXX XXXX in XXXX, but it was not to me and in no way what I ordered since it weighed les that 3 oz and what I ordered were two XXXX  that weighed 75lbs each. They said to put it in writing and send the proof. I faxed and mailed copies of what I obtained. Since I have heard nothing and they still have not credited the card back. When I call, they will not even discuss it with me and will tell me nothing. I have all the emails, letters written, order confirmation, and shipping documents and evidence proving that I never received. XXXX  is doing nothing and refuses to even talk to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the Experian Credit Reporting Agency, XXXX  Credit Reporting Agency, and XXXX  Credit Reporting Agency.

They have failed to remove information that was affiliated with personal details that was challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting. Everything has to be 100 % accurate on my credit report. 

The credit bureaus stated that my account was properly investigated but how is it possible that my personal information, including my address, information on multiple accounts, multiple hard credit enquiries, the dates and status last reported are not accurate with the accounts over the period of years since I can remember in XXXX. 

This ground for removal they also violated my privacy rights under : 15U.S.C 1681 Section 602 A : states I have the rights to Privacy 15U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Also the credit bureaus took more than 30days to complete my investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently have reviewed my credit reports and show inaccuracies being reported to my credit file by Experian. I have disputed with Experian, and they have yet to remove these inaccuracies which is hurting my credit rating. Below is the information listed as it appears on my credit report. I have also attached my ID, my proof of address, my credit report and my last Dispute letter sent to XXXX. 

Creditor Name : XXXX XXXX XXXX  Acct # : XXXX Experian is not removing XXXX XXXX  past due was a goodwill agreement to stop reporting and XXXX and XXXX have already removed it. Previously disputed and Experian must comply. 

Creditor Name : XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX collection past due has removed from XXXX and XXXX but Experian has failed to drop it after multiple disputes. Must comply. I have a right to an accurate credit file. 

Creditor Name : XXXX  XXXX XXXX Acct # : XXXX XXXX  XXXX XXXX past due goodwill agreement to be removed from reporting and XXXX and XXXX have removed however Experian has failed to do so. Must comply.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1700.00}.
Product: Debt collection

I was working with XXXX law to repair my credit last year and I disputed validity of 2 debts to XXXX XXXX Bank which were listed on my report. After the waiting period, it was determined that I'd proven my claim and XXXX XXXX had to remove the items from my report. A year later I suddenly get a notification that my credit has dropped nearly 30 points because of a new collection. When I looked to see what it was it showed, Portfolio Recovery which confused me as I don't know anything about them. Upon opening it I discovered that it was XXXX XXXX. They were reporting it as a brand new debt and saying that I currently have open accounts with them. All lies. They've now added a second item from XXXX XXXX to myreport and are essentially destroying my credit score. I was under the impression that once you win the dispute its over. Not that the company can decide to sell it off to a debt buyer and then they can put it back on your report. I spoke with XXXX  today and they told me that this constitutes fraud.
Product: Mortgage

Midwest loan services rejected my mortgage payment due to it being a " partial '' payment. When it was rejected they seem to have LOST my {$900.00} payment. I have been without my money for over a month. I WANT MY MONEY BACK!!!!
Product: Credit card or prepaid card

I took advantage of a promo offer from Shop Your Way Citi Credit Card that was between XX/XX/19 XXXX for 10 % off Online purchases. I made 4 purchases on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. They have gave me credit for 3 of the purchases and the one in question that I have not received credit for is the one on XX/XX/XXXX for {$380.00} for XXXX, which I made online. Citi is claiming that it was a phone order but I have the receipt where I ordered it online. Citi said since XXXX reported it as a phone order that they refuse to give me credit for this purchase. I had made a call on XX/XX/XXXX and talked to a manager and they said they would issue me credit for this purchase on XX/XX/XXXX. I called today and now they are saying its XXXX 's problem. I think I did want the promotion offer specified and are due {$38.00} for the XXXX purchase online. I have no control how they report the charge to Citi, either online or phone order. But it was purchased online. Any help you could give me in this matter would be appreciated. I have enclosed a copy of the order that clearly shows it was from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ' not mine XXXX XXXX ' not mine XXXX XXXX XXXX  ' not mine XXXX XXXX  ' not mine XXXX XXXX XXXX  ' not mine XXXX XXXX ' not mine
Product: Debt collection

I'm repeatedly being contacted stating that I owe XXXX XXXXXXXX XXXX ( Account no. XXXX ) a balance of over {$7000.00} which is completely inaccurate and false. The only relationship I had with XXXX was 3 years ago and I closed that account 3 years ago with a {$0.00} balance. 

This collection agency is using false tactics to make me pay for a balance that I don't owe and is trying to repeatedly contact me during office hours. 

XXXX. I firstly would like to know if an attorney has reviewed the balance for the account that Capital Management Services , LP is trying to collect. 

XXXX would also like to get details of the contract including date of opening, my signature and any other information that could validate the debt. 

XXXX. I would like to know what other personal information the company has acquired without my permission. I do not have any contract with Capital Management Services , LP. 

The company is trying to collect this debt from the past 30 days and I requested to validate this debt and asked them to stop contacting me. I have not received any response regarding the validation of debt. I would still like to give the company XXXX weeks from now to help validate the debt and if not, I would request the company to cease all collection activity and also prevent the company from selling the debt further to any other agency. 

I had reviewed details about this company online and was shocked to see all the negative reviews and how this company uses extreme false tactics to collect a debt. I also read reviews stating that the company silently files a lawsuit against you in the hope that the court automatically gives a judgment against you which is completely unethical.
Product: Credit card or prepaid card

I opened a Capital One credit card on XX/XX/ I had some medical issues and I missed payments forXX/XX/XXXX My account is current and Im paying the minimum on time now
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. I do not owe this debt nor the account. I am requesting a permanent block on the accounts asap XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My information had been exposed during XXXX XXXX data breach and I began looking into my credit report in XX/XX/2019. I've sent 4 rounds of letters to all three credit bureaus to remove fraudulent unverified accounts on my credit report and Experian has refused to remove unverified fraudulent accounts on my credit profile that I listed in 4 rounds of letters. I sent all my letters certified and notarized and have proof that they received my letters IN ADDITION to a police report for identity theft AND documentation showing XXXX removing the unverified accounts. I sent Experian 609 letters to enact my rights under the FCRA and they have refused to remove unverified  fraudulent accounts. As recently as XX/XX/2019 Experian unlawfully reported a collection account on my credit report from 'XXXX XXXX XXXX ' whom I have NEVER conducted business with nor entered into any agreement. Additionally, their reporting of this collection account resulted in a significant loss of points from my credit score. 

Moreover, one account from XXXX XXXX has placed 2 hard inquiries on my credit report without cause. I'd opened and authorized what I understood to be ONE inquiry in my credit report to open my account which was opened successfully. However, on XXXX XXXX another hard inquiry was placed for no reason at all. Experian needs to remove that additional inquiry from my report as it reflects negatively on my profile.
Product: Credit reporting or other personal consumer reports

I wish to address my recent review of the credit report obtained from your bureau. Upon meticulous examination, I observed the presence of reported late payments on my accounts, which I contest as erroneous. I have undertaken the necessary measures to verify any delayed payments. I am pleased to inform you that other credit bureaus have already expunged these late payments from their records. I am perplexed by the discrepancy in reporting between your bureau and the others. 


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

FedLoan Servicing is reporting a wrong status on my credit report by saying that I'm 120-149 Days Late on a section of loans with them ( {$49000.00} ). This is false because onXX/XX/2019 I was granted forbearance by FedLoan Servicing that covered the time period that they are saying I'm delinquent ( XX/XX/2019-XX/XX/2019 ). On two occasions, two customer service people that helped me with this forbearance process told me that once it's approved, they will contact credit agencies to remove the delinquency reporting. Then after it was approved, customer service people are now telling me they will not remove it. So, on XX/XX/XXXX I filed a dispute with XXXX and XXXX detailing this issue. XXXX completed their investigation and it seems that FedLoan Servicing is still refusing to remove the false delinquency reporting from my credit, as it is still on my credit as of today. This is ruining my financial life, in that my credit dropped exponentially and will now not be able to get a loan for a car that I need to get to work and will cause me issues when trying to get approved for the next apartment I need to rent from. This makes no sense to me, as I even have a credit reference letter generated by FedLoan Servicing that states I am 0 days delinquent on all loans with them. My account is current with a {$0.00} balance and I have no payment history with them because I've never had to make a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 US C 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXXXXXX XXXX has violated my rights.

15 US C 1681 Section 602 A states, I have the right to privacy.

15 US C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

15 US C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 US C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies made hard credit inquiry without my permission. 
XXXX XXXX - XX/XX/2020 XXXX XXXX XXXX- XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX   XXXX - XXXX- XX/XX/2020 XXXX  XXXX - XX/XX/2020 2020
Product: Credit reporting or other personal consumer reports

I have observed unauthorized inquiries on my credit report, and it seems someone has applied for something in my name. 

Please be informed that under the Fair Credit Reporting Act ( FCRA ), any unverified and unauthorized items must be removed by law. 

The following accounts are not associated with me and should be immediately removed from my report : VYSTAR CU, Account Number ending in XXXX VYSTAR CU, Account Number ending in XXXX
Product: Credit card

Wells Fargo raised the interest rate during use of the card which is more than a the actual balance in the card which makes it impossible to pay off the debt. The interest rate is inhumane and should be removed.
Product: Checking or savings account

Upon opening up this account with Sofi, it was advertised and opened as an account that would allow you to overdraft up to {$50.00} if you qualify. The qualifications were you would need to have at least {$1000.00} in direct deposits monthly. They also had a promotion that ran concurrent with the overdraft protection but for direct deposit itself. If you set up direct deposit you would get {$100.00} as a welcome bonus. You would need {$1000.00} in qualifying direct deposits in order to qualify for the {$100.00}. On XX/XX/2021 I received my {$100.00} welcome bonus. Hence, that means I must have had qualifying direct deposits, as I had. However, I never ever til this day was able to use my overdraft. I relied on it, despite never using it, but being that I had qualified month after month, at one point I put my trust in Sofi to see the logic of why I should qualify for overdraft and provide this feature that they offered and I established this account to use. I was told by a manager that my direct deposits are being coded as deposits. Due to this misnomer, no fault of my own, they never gave me access. I emailed, I went on social media, I spoke with various departments. I was told to wait like 2 weeks and then once I qualify with the {$1000.00} deposits again, it would work. I subsequently moved my deposits elsewhere since I need overdraft at time, and after months of qualifying and even getting a bonus paid out due to direct deposits being received, it is infuriating that they did nothing despite my numerous complaints to provide me the benefit they dangled to cause me to get the account. I have since been told that I would just need to qualify again with the deposits in order to get the overdraft, which they fixed now for my account I guess. But I had been inquiring since XX/XX/XXXX and have been ignored and lied to along the way, and so I just had my deposits go back to my prepaid account that offered overdraft coverage at a higher amount and without a debacle over the difference between a deposit and a direct deposit.