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

As per the Fair Credit Reporting Act, the credit bureaus must verify information with the original creditor and I have the right to an accurate credit report and any and all inaccuracy should be deleted. XXXX and Experian have indicated that they have verified a bankruptcy with the original creditor which is the NJ Bankruptcy Court Reference number XXXX and Reference number XXXX however, I have attached several letters from the NJ Bankruptcy Court indicating that " they do not report or verify any information with the credit bureaus. This is a direct violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my XXXX XXXX  delinquent account status. I called XXXX XXXX  and they said they did not report as delinquent and that I am in fact NOT DELINQUENT! The transition said that it came back reporting the same thing! I want this cleared up ASAP!
Product: Debt collection

On XXXX XXXX, 2015, I pulled a recent credit report to review my credit because I 'm in the process of establishing a business and I need to apply for a line of credit. I noticed there was a Collection entry by Franklin Collections Services that totally alarmed me. I was never notified that is account when it was added to my credit report in XXXX 2015. My rights under the Fair Credit Reporting Act were violated because I would have disputed first this. Secondly, I have not had services with XXXX XXXX XXXX, I recently sent a dispute to all XXXX credit reporting agencies and of course it came back verified. How could this be? I 've been working extremely hard to maintain my credit report, and I would have addressed this immediately. Franklin Collection Services derogatory marks on my credit reports are preventing me from establishing a business line of credit and becoming a business owner. I had no knowledge of this account until recently and it ' does not belong me.
Product: Money transfer, virtual currency, or money service

On  XXXX    XXXX   I was scammed for a mem who I met at online dating site name skout his name is  XXXX   XXXX   XXXX  who make me send some wires to different accounts and people some I send it on  XXXX   XXXX   XXXX  and  Wells Fargo  bank and  XXXX    XXXX    first one  I send it to  XXXX   XXXX   XXXX  account number  XXXX  at address  XXXX   XXXX   XXXX   XXXX   XXXX  Hi  XXXX  for {$22.00} next one was an international wire to  XXXX   XXXX  account number  XXXX  at   XXXX   XXXX   XXXX    XXXX   XXXX  on  XXXX  of {$50.00} and next one was domestic wires to   XXXX   XXXX   account number  XXXX   Wells Fargo  bank on NY  XXXX  for {$40.00} and another for {$30.00} from  Bank   XXXX   XXXX  to the same account number  I d id another wires to  XXXX   XXXX   XXXX  one from  XXXX   XXXX   XXXX  for {$10.00} to account number  XXXX  on  XXXX / XXXX /  XXXX   and another from  XXXX  to the same account for {$75.00} and another from  XXXX   XXXX   XXXX  date  XXXX / XXXX /  XXXX   to the same account number to  Wells Fargo  bank of {$140.00} and I was thinking that it was a woman but looking at the  XXXX  needs is a men but I also send on the same wee k 2 wi res to  XXXX   XXXX   XXXX  on the  XXXX  and  XXXX  of  XXXX   XXXX  of  XXXX  and another of {$110.00} that I sends from   XXXX    XXXX   XXXX  those wires one the lady resend it to  XXXX  and the second was freeze for  Wells Fargo  bank but until this date is still frozen since I talked to the lady and said that account is still freeze and after 19 months they still holding that money believe it that the money. The money that was deposited it was fake deposit and   XXXX    XXXX   XXXX  let me used that money and when it was reversed was against my equity line of credit and now my equity line of credit is bigger than the valued of the property   XXXX    XXXX   XXXX  said that they are working on this case but is almost 2 years of that
Product: Credit card or prepaid card

I had 3 unauthorized transactions XXXX  for {$120.00} on XX/XX/2023, XXXX XXXX XX/XX/2023 {$100.00}, XXXX XXXX {$56.00} on XX/XX/2023. I reached out to cash app and they refused to provide me a refund or investigate the fraudulent claim.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report the account XXXX  XXXX Account # XXXX incorrectly. This XXXX XXXX account is reporting as a charge off but that is incorrect. Neither consumer agency has provided me with any evidence that they did a reasonable investigation to prove this account was indeed charged off. Financial institutions are insured by the FDIC so they do not take a loss and the contract is a security which bankrolls their business operations including the consumer agencies because they are paid to furnish deceptive information. Each consumer agency is listed in the New York stock exchange because they securitize consumer information but they do not suppose to have our private financial information. Unless each consumer agency proves the information they are furnishing is accurate I will sue,
Product: Credit reporting or other personal consumer reports

XXXX XXXX finacial merged with Nationstar Mortgage XXXX XXXX XXXX. Both of them are reporting the exact same information on my credit reports. Same info different name. XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX, XXXX, & EXPERIAN, regarding a violation of my rights and the inaccurate information being reported on my consumer file. This inaccurate reporting has not only caused financial distress but has also had a severe impact on my mental wellbeing, resulting in XXXX for both myself and my family. 
I BELIVE XXXX, XXXX, AND EXPERIAN, has violated the Fair Credit Reporting Act ( FCRA ), specifically Section 611, which mandates that consumer reporting agencies maintain accurate and up-to-date information on consumer files. In reviewing my credit report, I have identified the following inaccuracies : These inaccuracies have had a significant and detrimental impact on my financial profile and my ability to secure credit, loan approvals, and reasonable interest rates. Despite repeated attempts to rectify these errors, I have not received a satisfactory resolution from XXXX, XXXX, AND EXPERIAN I would like to bring to your attention the profound impact that this situation has had on my mental health and the overall well-being of my household. The constant XXXX XXXX and uncertainty caused by these inaccuracies have plunged my family into XXXX, affecting our quality of life and ability to function optimally. 

I kindly request the Consumer Financial Protection Bureau to immediately investigate this matter and take appropriate action against THEM. I believe that the inaccurate reporting and their failure to rectify the situation has not only violated my rights under the FCRA but has also caused significant harm to my household. 

Please find enclosed copies of supporting documents, and evidence of the impact on me and my family 's well being. I trust that the CFPB will act promptly and diligently to rectify this situation Thank you for your attention to this matter. I look forward to a swift resolution and justice being served.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted multiple times to get Navient and the Credit Reporting agencies to update my three private student loans. When I made a payment to Navient it was for my federal student loans, not my private loans. The private loans were from XXXX and were beyond reporting years even in 2017 when Navient claims I made my last payment and/or became delinquent. I paid my FEDERAL loans that were managed by Navient at the time, not my private loans. 

I have contacted XXXX and XXXX multiple times, as well as my husband since he is my co-signer on the private student loans with zero help. I've asked for a copy of whatever proof has been given to show the money went to the private loans, but all I receive is the comment " the creditor has verified that the date is being reported correctly. Additional information has been provided from the original source regarding this item. '' I have never, sadly, made any payments on my private loans that I took out for my XXXX  at XXXX XXXX. I believed that all of my loans had been consolidated and only paid, minimal federal student loan payments. Navient is incorrect in reporting that I made a payment on my private loans and the money paid should have been posted to a federal loan payment that they were managing. 

I would appreciate any assistance in correcting this information on my credit report as well as my husband 's. I'm being punished for debt that is older than 14 years. 

Thank you in advance.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 Affirm reported to XXXX credit bureau that I had an active loan with them in the amount {$160.00}. However, I paid this loan off 1 month before on XX/XX/2022, and because of their error my credit score dropped by XXXX points. I have attached the following information to confirm that the loan was paid off on XX/XX/2022 : 1. Transaction history from Affirm directly which shows that the loan was paid off on XX/XX/2022 in their system. 
2. A copy of my XXXX XXXX account which also shows all payments made and paid on time confirming that loan was paid in full Cell phone number is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately. 

XXXX Date Opened : XX/XX/XXXX Balance : {$8600.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Date Opened : XX/XX/XXXX High Credit : {$180.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$23000.00}
Product: Student loan

We are writing as a collective group of defrauded students and XXXX  who XXXX  XXXX schools, urging immediate action to approve outstanding XXXX XXXX applications and provide full relief for those impacted. 

Many of us XXXX  the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX University 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 The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX  misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that XXXX XXXX of XXXX  secured jobs in their field of study within XXXX XXXX XXXX XXXX This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded XXXX  who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts. 

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX is the collection company handling to collection. They called Tuesday both mine and my husbands phone. My husband returned their call and they discussed the debt and what is was going to take to fix it. My husband is not on the loan or my personal account. I spoke with them Wednesday about the fact that they discussed my personal info with my husband she informed me they are able to. She stated that I woild be served papers today if not paid and then garnishment would start soon after.
Product: Credit reporting

Hello, I have couple issues with TransUnion. I have couple items on my credit report which are wrong or reporting wrong. 
1. Transunion has a wrong address on my credit report. The wrong address is listed as " XXXX WI XXXX '' I contacted transunion to remove the wrong address and even gave them my correct address, my social security number and utility Bill to prove my identity. After all this Transunion refuse to remove the wrong address. The wrong address is causing major issues for my family getting our mortgage approve. 

2. I also have XXXX negative accounts reporting on my credit report. I know 100 % percent that the accounts are not mine. I even contacted the vendor myself they were not able to verify the account was mine. I have disputed with Transuion but still, refuse to remove it from my credit report. Attached you will find the dispute letters I sent to transuion with certify mail receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I wired in three payments from my bank Regions bank a total of {$150000.00}. The last one was XX/XX/2023. I found out it was a scam after I tried to withdraw money and the company called XXXX told me through the customer service chat I needed to pay 10 % upfront to get any money. I googled XXXX and spoke with the fraud division and was told it was a scam. I filed a police report, notified Regions bank, FTC and now you. Regions told me they did not have insurance for this because they used the information I gave them, they did request refund from the other bank but I haven't heard anything yet.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining. 
"
Product: Debt collection

I have 5 different amounts that are affecting my credit with amounts of {$210.00}, {$140.00}, {$480.00}, {$410.00}, {$270.00}, dated XX/XX/XXXX and another on XX/XX/XXXX with the amount of {$240.00}, and I called the collection number that is from from the XXXX XXXX XXXX XXXX XXXX, to obtain more information and they tell me that I do not have those amounts in collection, what should I do in this case? If they tell me that those dates are not there, let alone those amounts, but it continues to hurt my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

More than a month has passed and Comenity Bank has not updated the balance on my XXXX consumer credit card at any of the three credit bureaus.
Product: Payday loan, title loan, or personal loan

I received a small XXXX loan and when I was down to the final payments I switched bank accounts and then they stop taking the money and ultimately reported it on my credit report. I made several attempts to pay for deletion and not one answer back.its hindering my life and my credit
Product: Checking or savings account

Gentlemen, I'll be brief. I'm son of the checking account owner. My father has had some money inhis Regions checking account for a long time. He suffered a XXXX in XX/XX/XXXX, almost dying. Iprocessed a Plenipotentiary Power of Attorney at the United States Embassy to manage his funds. Iwent to the Regions branch in XXXX, and they gave me a checking account check without any problem.The Regions check is open-ended, but for XXXX  banks, it could only be redeemed within 90 days, which I didn't do. I need a new check. My father just let his US XXXX expire, we are in the process ofgetting a new one and his interview is until XX/XX/XXXX. I very respectfully request your collaboration, since I have been dealing with the VP of the Regions XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, to allow me to send a check with a new date, or allow me to go personally with the Plenipotentiary Power to claim a new check, she insists that it is not possible, that I send the documentation to legal and that the legal team will not allow it. My father is an old, sick person whorequires these resources, those are savings that have lasted over time and have not yielded anything because of the Regions blockade. I appreciate any collaboration you can provide me, since XXXX I havebeen struggling crossing mails and calls with the bank regarding this issue unsuccessfully ( I got evidence ), what's the bank expecting? my father 's death?. Please I need you provide me an e-mail to attach allrelated documentation : XXXX XXXX, XXXX, Statement, Check, XXXX XXXX... etc PD
Product: Mortgage

On XX/XX/XXXX I decided after not reaching my mortgage commitment date ( XX/XX/2020 ) for the purchase of my new home to seek financing with another mortgage company ( XXXX XXXX XXXX ). I wrote a letter to cancel my mortgage and release my appraisal on XX/XX/XXXX and submitted this letter to Acre Mortgage and XXXX XXXX. They have blantently refused to honor my request and now have cause me to miss my settlement date of XX/XX/2020. My realtor ( XXXX XXXX ) has requested over and over for them to transfer my appraisals to no avail. XXXX XXXX has even contacted me trying to steer me back to Acre Mortgage. Please help Acre Mortgage is ruining my life and I may end up with no where to live If I dont get this resolved ASAP.
Product: Debt collection

I cancelled my XXXX XXXX internet service and switched to their competitor. My bill was on auto pay and I had a XXXX balance. A short time later, XXXX started contacting me by phone and mail to threaten me to contact them or they will harm my credit score. This is an attempt to bully me into listening to their sales pitch. 
I do not owe XXXX any money, I do not want their service ever again, and I do not appreciate being harassed, threatened, and bullied into listening to their sales pitch. I am happy with my new internet service.
Product: Debt collection

Portfolio Recovery Associates is the debt buyer. A year ago I asked for proof that it was my debt. They could only send me the itemization of delinquent payments since XXXX. This is when they took over the account. I asked who was the original company that claimed the delinquency. They could only tell me XXXX XXXX  and the account number. I tried calling that bank to get information and they could not help me being that the so called debt was sold to Portfolio Recovery Associates. All my other accounts on my credit report I can see very easily when my payments were made and if late or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to or authorize or benefit from the following inquiry listed below : XXXX - XXXX XXXX  XX/XX/2022 XXXX
Product: Debt collection

This debt was paid off through XXXX XXXX XXXX on XX/XX/2018 This other company is trying to collect the same debt.
Product: Debt collection

In XXXX when I moved to XXXX  from XXXXdue to my job I bought a house, right after I applied for a mortgage a debt appeared on my credit report from an emergency in XXXX, which was paid fully ( I have a good insurance and made all my o-pays etc ... ) nonethe less since I was in middle of buying a house my mortgage company sent a check to phoenix financial and added it to my mortgage and I was OK with that as moving was complicated enough and I did not want to deal with things. 
Now I am refinancing my house same company Phoenix Financial appeared on my credt report 2 days after my refinance application. They stated a debt from XXXX ( 7 yeats ago ) this time I called asked for original invoice from medical group they said they will provide it if I give my ss number and I ewas XXXX  to provide the number, they sent me an invoice with their name. The credit report stated XXXX XXXX XXXX XXXX. So I tried to call them but they do not exist, none of the accounting office could verify I had a debt. I disputed to charges, still under investigation but when investigation started Phoenix Financial changed the name of creditor from XXXX XXXX  XXXX XXXX to XXXX XXXX XXXX, which also does not exist. And they changed type of debt from attorney fees to medical In the mean time my credit score went down, my refiance terms tuned out to be worse than my original finance and Phoenix financial refuses to provide the references regarding original debt, if I have that I can go through my health insurance statements and see what is going on. 
Can you please help, I am a har working single XXXX year old voman, lost my fiance two years ago and am trying to go on with rest of my life. Phoenix fiancial already has taken XXXX dollars and something during my last home purchase and they are just preying on my situation. 
Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion conducted an investigation and refused to remove fraudulent rental collection from XXXX XXXX from my report as of XX/XX/year>. Attached is the FTC Report, letter from XXXX XXXX XXXX stating they will remove it from my report, and a letter from XXXX  XXXX stating that it is not my debt. I have also attached a hand-signed and notarized Identity Theft Affidavit signed for XXXX.