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

I have been trying to dispute a school loan from the PA department of education in the amount of {$9500.00} for almost two months now through EQUIFAX. There was a lawsuit with my school and I have documentation supporting that it should have never affected my credit in anyway and I still have been marked for late payments, and it still says that I owe that remaining balance. I have filed multiple online disputes through EQUIFAX BETWEEN XX/XX/XXXX and XX/XX/XXXX. I have called them and filed multiple disputes, including two or three disputes that my address is incorrect. They claim to have fixed my address and it is only the street name with no numbers! I mailed all of my information including social security information, along with my ID as requested, and they said it got lost. I faxed them over my information and they still say they have not received anything!! Every time I call I get disconnected, or they say they cant get into my account! Ive filed multiple complaints and talked to a manager who did not have anything to say to me about the matter. For a company that are holders of millions of peoples social security numbers and confidential information, they dont seem like they know what they are doing! I also have a hard inquiry for XXXX because I had them for one day and the equipment did not work. I tried to apply for a credit card and was denied due to this loan still on my report that should not even be there, and my score went down 17 points because of it. That is not my fault. The incompetence that EQUIFAX shows in performance as a company is absurd! Someone needs to investigate the company.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information Equifax. Please delete the following accounts. 

XXXXXXXX XXXX XXXXXXXX XXXX Systems bal. {$7700.00} XXXX XXXX XXXX {$5800.00} Systems
Product: Checking or savings account

Chime financial has locked me out my account for no reason at all its been 1 month and they continue to tell me they are sending my case to the specialist over chime and they dont have a clue phone number so I have to wait 48hours for a email. Then when I finally got a response I sent in documents they requested which was my drivers license and my marriage license and a utility bill and a selfie. They told me the first time my documents looked perfect but I still remained locked out. Then they proceeded to tell me I cant change phones when using chime because it will flag as fraud because I recently upgraded my phone. I then told them I was locked out my account before I even upgraded my phone so thats definitely not it. They then told me I have to Wait for a email from the specialist and as soon as I hung up up I received a email saying now my documents are being denied. So I have been calling everyday and still the same run around and not ever being gave a explanation to why my account was locked in the first place.
Product: Mortgage

[ Before speaking about my situation, let me say that there are what I believe to be some genuine citibank employees trying to rectify what is going on. This is a very time sensitive situation due to my wife and I needing to close on a home we are purchasing by XX/XX/2019 - possibly sooner. ] My wife and I secured a 3.250 % ( no points ) jumbo mortgage with Citibank ( loan officer XXXX XXXX NMLS # XXXX ) on XXXX XXXX. Days before the scheduled closing date He/They decided to add 1.75 % points to the loan ( approx. {$8500.00} ). we have been to the bank, have made numerous calls, including a message into citibank 's executive response unit ( no response to date ). We have outstanding credit always have, own two homes ( no mortgage ), make 6 figures tax free ( XXXX ) plus rental income of {$7900.00} per month. This extra fee has been explained as many things to us - from " problem w/debt to income '', " you did not disclose home we own '' ( untrue ), " we bought the rate down '' ( untrue ). Every time they gave a reason, we explained them inaccurate - they then would change the reason for the added points. All of citibank 's conversations are recorded including us disclosing our properties. Nothing was every said to my wife or I about the possibility of points being added for any reason ( check phone recordings ). I believe this is occurring because they feel we would not object ( being so close to closing date ). By law, we will have to close. And, we will, but trying to recoup money that is due to us is going to be more difficult after the closing on our home purchase.
Product: Money transfer, virtual currency, or money service

I sold my home on XX/XX/2019, The check to XXXX XXXX for the balance of my mortgage was fraudulently deposited into NFCU despite the check being made out to XXXX XXXX. Currently, XXXX XXXX is trying to collect the Mortgage from me as they still have me listed as the Home Owner and it is now affecting my credit report. I have a copy of the check proving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX, I have tried contacting Experian and XXXX XXXX and XXXX regarding my name on my credit report. 

Only XXXX has changed the Wrong information and put in the Correct, please check. 

I showed proof To Experian and XXXX XXXX of my Social Security number and Drivers License that both state my correct name and no other which is XXXX XXXX XXXX. Experian has not changed my name with 2 Main Government Identifications. There Seems to be names on my consumer report that are wrong, these names are : WRONG NAMES : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ... ..ALL these Names are INCORRECT AND NOT MY NAME, THERE IS SOMETHING TOTALLY WRONG WITH MY REPORT. 

WRONG ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - These addresses are incorrect and not mine. 

CORRECT ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for Several Years now. 

CORRECT NAME AND ONLY NAME : XXXX XXXX XXXX My Only Employment is : " Lo There Do I See My Father Trust " I have worked here for over 15years, I do not work at XXXX XXXX XXXX XXXX  XXXX XXXX XXXX or any other Job. 

My Correct Information for my Consumer Report should be : Only Name : XXXX XXXX XXXX Only SS # : XXXX Only Birth Date : XXXX Only Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Only Employment : Lo There Do I See My Father Trust I have Attached Correct Documentation Proving Who I am. Please have this corrected for it is totally incorrect, I should only have 1 name and address etc which is Mine. All this wrong information is hurting me in tryin to buy a home for my family. 

Also I noticed on my credit report that someone Authorized a Personal Statement of Fraud. I have never gave this permission. Please remove that statement. 

Thank You Guys for your help XXXX XXXX XXXX
Product: Debt collection

The hospital says I owe them {$310.00} when I owe them nothing because it should have or has been covered by my medicaid insurance. This has been reported to them several times and is now on my credit report as a collection when it should n't be.
Product: Credit reporting, credit repair services, or other personal consumer reports

assignee creditors are pesonating beneficial owner and making false reports of balances aka proceeds aka security interest belonging to beneficial owner are due to them and are extorting from beneficial owner aka consumer aka natural person pursuant to 31 CFR 306.11
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed fraudulent accounts listed. Please remove these accounts from my report as this incident is negatively impacting my ability to support my family. Please be advised that I do not have any knowledge of this account, and I did not authorize any transactions associated with it. I have never opened or applied for credit with your company, and I do not owe any debt to your organization.
Product: Debt collection

Account is showing incorrect balance and I have been requesting my payment history to show what is being reported. Company is not providing that information. Reporting inaccurate balance is fraudulent and should be removed. Please provide records of my payments made on account. I dont owe the balance being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/2020 after first getting no response to my fax request from last XX/XX/2020, Equifax Consumer Affairs Dept. ( c/o Ms. XXXX ) in Georgia over the phone assigned me a reference number XXXX for their technical department to confirm to me by e-mail within a week why they are not able to complete my online registration and refusal to allow American expats to give either a fax and/or online access which our SSA ( Social Security Administration ) redressed when I filed a complaint that without a US mobile number I could no longer have online access to my account to avoid discrimination and the SSA received other numerous complaints they got from the evaluated 9 millions Americans living abroad Further, last XX/XX/2020, since over the phone Equifax keeps not being able to identify me and had thus much difficulty transferring me to their Consumer Affairs Deot. I also filed over the phone with their Consumer affairs office in Georgia a second complaint today ( their ref. XXXX c/o Ms. XXXX ) that the additional financial questions based on the credit report received at my Us mailing address and generated by phone do not match what's on the credit report which as a result unable customer reps to see my files and thus also transfer me directly without delay to their Consumer Affairs dept. located in Georgia.
Product: Credit reporting or other personal consumer reports

Chex Systems XXXX Inc. Attn : Consumer XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : Consumer ID # XXXX To Whom It May Concern : It has been brought to my attention that XXXX XXXX XXXX XXXX XXXX has listed Account Abuse on my Chex Systems file, dated XX/XX/year> To my knowledge, I have never had negative listing with XXXX XXXX XXXX XXXX XXXX XXXX I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from XXXX XXXX XXXX XXXX XXXX including copies of any documentation associated with this Account Abuse which bear my signature. In the absence of such documentation, I request that this Account Abuse be permanently removed from my Chex Systems report ASAP.
Product: Credit reporting or other personal consumer reports

I am distressed that Experian Ahas included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure the maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The account information, therefore, needs to be re-investigated and deleted : XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Account status show delinquent was it was never late. 




XXXX XXXX XXXX. 
Account Number XXXX Account Type Installment Loan Terms 51 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 30 days four times Status Updated XX/XX/XXXX Balance {$13000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment {$800.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, NJ XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$31000.00} Comments - Payment History 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 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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because for almost a year I have been filing disputes with TransUnion in regards to the inaccurate information that reporting in my public records, I filed a petition for bankruptcy in XX/XX/XXXX but my potion was denied due to I was just granted a discharge in XXXX and by law they could not give me another, so they denied the discharge and closed the case without a order entry. TransUnion has been harming my credit and going against the law I have spoke with TransUnion Several times in regards to this issue and it was stated to me that the order and certification from the court they were not going to except. I have disputed this issue With XXXX, and XXXX Consumer center the third party agency that they used. XXXX removed this information from my file on XXXX XXXX and they gave confirmation to TransUnion and they ignored the facts. On XXXX XXXX XXXX XXXX XXXX was completing their investigation and they stated to me in an email that yes in fact that they had provided inaccurate information to TransUnion and they were going to make them aware. Now how is it everyone can get this issue corrected but TransUnion. I will be attaching the court order and the certificate document and also the notice from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an official grievance against EXPERIAN situated in XXXX XXXX XXXX XXXX, TX XXXX. This company has continuously disregarded my consumer rights under the Fair Credit Reporting Act and has resulted in me much unwanted financial AND mental distress. For starters, they're reporting a flawed & unverifiable account on my credit document and in addition an account in which I've called for substantiation of the claim and in which they have not been able to present, per the FCRA. 
For yet another time, the following are fraudulent and need to be removed : XXXX XXXX XXXX, ACC # XXXX Date Opened XXXX XXXX. 
XXXX XXXX, ACC # XXXX Date Opened XXXX. -XXXX XXXX, ACC # XXXX. Date Opened XXXX.- XXXX XXXX XXXX , ACC # XXXX. Date Opened XXXX.- XXXX Regardless of my goals to resolve this unpleasant nightmare for a number of months now, EXPERIAN has entirely ignored my interactions and legal submissions to delete this incorrect information from my credit document. I am well aware of the many, various other issues filed towards this company for their illegal and shady business. Yet still, in some way, this company is still in business. This company 's unprofessional & negligent habits has made lots of extreme harm, not only to my ability to establish credit & good interest rates but also to my persona as a Professional and as a person. Please help me, and the countless other consumers just like me, to put a stop to the performance of these dishonest & immoral business techniques asap. I genuinely respect your time and service in this matter and hope to hear from you very soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Money transfer, virtual currency, or money service

Site magically goes down for " maintenance '' every time it 's a opportunity to buy  XXXX . This site is a business is a scam! NO LIVE CUSTOMER SUPPORT!   XXXX    being stored on there platform!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Victoria secret refuses to accurately update my credit report. My debt with them was settled through XXXX XXXX XXXX  and legally paid for less than the amount. My credit report status does not reflect that. It shows derogatory and charged off for the full amount. All other creditors who settled reflect paid but settled for less than owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter certified to XXXX, Experian, and XXXX  disputing similar incorrect and unverified item on my report. I requested the signed application that the creditor is saying I signed. I clearly have a message on my credit report that states new accounts can not be opened without a phone call to me to verify that I submitted the application. It has been over 30 days and XXXX, Experian, and XXXX  have violated the FCRA by : Failing to notify a creditor that I disputed the inquiry that it has been reported Failing to notify a creditor that I disputed the validity of the account Failing to conduct a reasonable investigation of my pending disputes Failing to correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your dispute.
Product: Debt collection

I've recently noticed an alleged debt that fell into a derogatory collection account by a company under the name Aargon Agency on my credit report. I was not notified where the original debt came from, I've received no information on how to dispute such alleged debt/account nor was I the consumer, notified they reported an alleged debt/account to my credit report ( without my authorization ). I never received a method of validation letter. So how do I even know if the alleged INACCURATE debt even belongs to me or is truly my debt? I sent a debt validation request letter to Aargon via mail on XX/XX/2022. Tracking shows that the letter was received on XX/XX/2022. It has been more than 30 days and I have not received any type of debt validation letter in return. I simply ask that this item be deleted from my credit report. This item is hurting my attempts to rent/buy a home and making it impossible for me to recover financial stability due to ongoing medical issues.
Product: Credit reporting

For the last 3 years Equifax has reported that I only have XXXX accounts on my credit file. I have over XXXX accounts in good standing. I have called numerous times to get this corrected. And every time I called or send a letter. Equifax wants me to send them copies of my Id and a bill from my house. I have did this numerous times. A supervisor said my file was spilt, and Equifax error. This should have been corrected 3 years ago. Equifax is in violation of the FCRA
Product: Debt collection

On the day of XX/XX/XXXX I received my regular check from my employer which it was the amount of XXXX. I later on mobile deposited onto my account and left the check in my purse for several months. on XX/XX/XXXX I went shopping at XXXX and someone stole my yellow mustard purse which contained my work checks from my employer. I was lucky to have my wallet on hand while my purse was on the shopping cart. unfortunally I turned around for a sec and the purse was gone with my personal belongings, phone and checks that where by digital deposit into my account. days passed and on XX/XX/XXXX my employer came up to me and asked if I re cashed a check from XX/XX/XXXX for the reason that XXXX was deducted from her business account. I later realized that the same check I mobile deposit on XX/XX/XXXX was re cashed on XX/XX/XXXX and of course my employer went to her bank and filed a fraud complaint regarding the stolen money. A week had passed and I log into my account and I realized that I was XXXX less which I was confused and of course called my bank immediately and my bank had said they took that money and put it back to my employers account which is bank of America. I was furious because now my account is being affected due to this money being less. I went to my employer to let them know money was taken out of my account and they rushed into their bank to talk to a bank of America manager to let them know that the check that was cashed on XX/XX/XXXX was thef. I called my bank several times and they could n't do anything for me they stated that the check was cashed on XXXX XXXX and suggested for me to go and talk to them regarding my problem. I did go and explain my situation and said they could n't do anything for me. I went to bank of America ( where the check is originally from ) I explained that fraud claim was made and I wanted answer, they could n't give them to me. So basically a check with my name was disputed/cashed in XXXX XXXX without my Identification or knowledge. I need answers and of course my money back. Bank of America did n't look into investigating bank XXXX where the check was disputed and they went after my account to take the money out. I need answer I have a police report as well and when my employer went to do the fraud complaint she took the police report to show it is thef.
Product: Credit card or prepaid card

My payment to pay down credit card balance was not processed despite the transfer being cleared by the financial institution the transfer originated from.
Product: Checking or savings account

Being charged monthly fee when I wasnt supposed to be. Bank charging me overdraft when I didnt want overdraft protection. They always had an excuse for charging me.
Product: Payday loan, title loan, or personal loan

my complaint is against XXXX XXXX, paid off amount. This loan was made by phone, my conversation with the person was- I requested a loan for the amount of {$5000.00}, ( see attach ), they toll me that the financial charges were going to be {$2500.00}, and the payments were going to be {$560.00} per months. I paid this amount for the XX/XX/2018 year, ( see attach ). 
This year I call XXXX to get the paid off amount, and over the phone, they tool me that " I have another 76 payments for the total of {>= $1,000,000}. How can a {$5000.00} loan became {>= $1,000,000}? This is a ripoff. Also over the phone, the person, toll me that if I want to pay the loan off, it was going to be another {$8000.00} to pay the loan or another 76 payments of {$56000.00}. The annual percentage rate is 132,48 %, which I did not know about. Also, the promissory note they send me was not signed, ( see Attach )
Product: Credit reporting

i paid them on time. When ask them for prove of me being late they could not give me documents to prove it.