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

I filed XXXX XXXX  Bankruptcy, this Bankruptcy was discharged XXXX. I contacted all creditors and credit bureaus to ensure they have up to date accurate information, all bureaus updated all information on all accounts accurately except for XXXX and Experian. I pay a monthly membership fee to Experian for services to see and dispute my credit report. last 20 days I have filed over 7 disputes, with all results being that Experian finds the current information to be accurate and no changes made.XXXX made changes more severe, it is very clear bankruptcy is not a charge off. On XX/XX/year> my Experian credit score I could see was XXXX, XX/XX/year> my score XXXX, XXXX XXXX Acct beginning with XXXX reported after my discharge that my account with them is Charged Off, with Balance of {$3500.00} and Avail Credit of - {$3500.00}, Comments " Charge Off ''. Paymen legend stating charge off. I 1st filed a complaint in regards to this on my XXXX with cfpb, now XXXX XXXX is retailaiting against me by now attacking my credit profile with Experian. Experian refuses to update this account as XXXX XXXX XXXX Bankruptcy, failing to update balance to {$0.00}, failing to update avail credit to {$0.00} and failing to update historical data to reflect the discharge. I am suffering from Experian and XXXX XXXX illegale reporting to my credit file, I have been turned down for credit offerings, jobs, work assignments, as purpose in XXXX  XXXX bankruptcy is to offer Americans a XXXX chance / fresh start and Experian and XXXX XXXX are dilibertly causing un-repairable harm to me by the XXXX disregard of my Constitutinal Rights & Rights afforded to me within my State and of The United States Of America. I am seeking for my credit file regarding this issue be corrected immendiately with out delay and financial compensation for damages, pain and suffering, damages for violating my Rights.
Product: Credit card or prepaid card

XXXX  ripoff Introduction : For two years now I have been trying to close an account call XXXX. The company 's website is XXXX, but it is own by conduent ( possibly an XXXX company or offshore outfit ). All my calls go to XXXX and they won't allow escalation to management for resolution. The company gives you a prepaid card where they charge you a monthly fee. The card is to be used for general medical purposes. 

Issue : The problem is once you open an account, they won't allow you to close it. If you keep calling, it will simply create new policies to keep your account open. They have delayed my closing process for two years while extracting fees. It is basically embezzlement by forcing you to keep the account open. 

Summary : Simply put, they won't close your account because they want to keep charging the monthly fees. 

Through two years of calls being put on hold as well as being transferred constantly to XXXX call centers, they manage to steal monthly fees worth almost {$100.00}. As of XX/XX/2020, the account is still not closed. I don't know what to do. I tried pleading and explaining, but they keep charging. 

Please help. I just want to close the account and get the two years worth of fees back. I also want to notify the proper American authority about this possible foreign scheme and prevent this from happening to other people. Again, they keep scheming you with fees by keeping the account open in perpetuity.

Below are the account information I have : XXXX XXXX  XXXX Please help.
Product: Credit reporting or other personal consumer reports

Section 609 of the FCRA states that you must investigate my dispute within 30 calendar days from my initial letter. As you have failed to do so, I kindly request that you remove the aforementioned items from my credit report. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXX XXXX Account Number : XXXX ( Equifax ) Accounts Name : XXXX XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

I checked my credit score this month and there are several inquiries on my report I have no knowledge of, nor are any of my accounts attached to theirs. 
Inquiries in order : 1. XXXX XXXX has given me 3 separate inquiries 2. XXXX XXXX 3. : Bank of America 4. XXXX XXXX XXXX XXXX 5. XXXX  XXXX 6. XXXX XXXX XXXX 7. XXXX XXXXXXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX 11. XXXX XXXX
Product: Debt collection

I have received a letter from National Recovery Agency for a debt I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

We refinanced our mortgage with XXXX ( who previously held our mortgage ) XX/XX/XXXX payment was made and lost in XXXX, Electronic payments for XX/XX/XXXX were attempted several times over the phone ( from XXXX ) and there was an issue on XXXXXXXX XXXX end, we asked our bank XXXX XXXX XXXX to send a physical check to Amerihome for XX/XX/XXXX and this was cashed on XX/XX/XXXX, technically 30 days past due for XXXX would have been on XX/XX/XXXX. XX/XX/XXXX was paid electronically on XX/XX/XXXX. Payment for XX/XX/XXXX would be past due if paid after XX/XX/XXXX and 30 days past due on XX/XX/XXXX. Both XXXX & XXXX XXXX would like the derogatory remarks removed from all 3 credit bureaus as soon as possible. Documentation will be provided
Product: Mortgage

My home is also my office so I routinely pay mortgage with a business checking account. Ive paid it this way for years. I received a letter dated XX/XX/XXXX from Mr. Cooper on XX/XX/XXXX. The letter also included my check for the mortgage payment due on XX/XX/XXXX. They had returned the check to me stating they were unable to identify account information even though I had included a payment stub and also had paid my mortgage using this checking account for years. I paid the installment immediately upon receiving the letter. Unfortunately, it was XX/XX/XXXX and exactly 30 days late at that point. Mr. Cooper reported it 30 days late to credit agencies ( actually two late payments even thought its one in question ) and its preventing me from obtaining a new mortgage. I plead with a XXXX XXXX XXXX via email ( XXXX ) and she refused my request to remove it even after I had proven and she concurred that the payment was received on XX/XX/XXXX. I have documents to support my claims. I believe Mr. Cooper is intentionally attempting to prevent me from being able to refinance my mortgage with another company.
Product: Mortgage

I recently settle with my lender BSI on a wrongful foreclosure, XXXX  violations and accounting issues I agrre to drop the lawsuit. after a judge Order a ENE ( early neutral evaluation ) we settle on XX/XX/2021 these where my conditions to drop the lawsuit against us BSI and XXXX XXXX XXXX XXXXt :1 : they recinded the sale and return title to me 2 : they give {$5000.00} for compensation 3 : review for a loan mod 4 : reduce my principal from {$470000.00} to $ XXXX forgive attorneys fees around $ around XXXX after all this I agree to not sued them again. 
My problem is an unjust loan mod proposal that is predatory and imposible to pay and to add to injury they not respecting the settlement agreement they keep giving me inaccurate statements and completely ignoring the court order they relying on the fact that I can not sued them againAnd they only comply with saying that they fulfill the requirement of a loan mod even if is imposible to pay so they can foreclosure on me again they do not have any intencin on help me .my goal is to keep my home and pay what I owed with a loan mod that comply with XXXX  guidelines .and that they. give me an accurate statement that reflects the settlement agreement not what ever they say I need Help I am desperate and frustrated nobody seems to be able to help please HELP. 


Home owner info : XXXX and XXXX XXXX Home Address:XXXX XXXX XXXX XXXX 
XXXX XXXX ca XXXX phone XXXX email XXXX Loan servicer BSI financial services XXXX XXXX XXXX second floor XXXX XXXX XXXX XXXX, PA XXXX customer care XXXX loan # XXXX tems attached : copy of proposed loan mod copy of settlement agreement copy of a payoff statement
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with XXXX XXXX that I paid off back in XXXX or XXXX. When I paid it off I told them to close it because I had only gotten it for tires, however they did not close it and someone gained access to it and maxed it out. I have disputed the transactions with XXXX, and was told that because whoever used the card new the cvv code ( they had the physical card because it was not in my possession so of course that had the cvv ) and they knew my zip code ( a simple XXXX  search of my name would have given them this, and my name is also on the card ) that the transactions were valid. Theyve now reported the account as a charge off and sent me to collections, so I disputed the account with experian and they stated that the creditor says the account is accurate but its not and Ive been trying to get this fixed for over 6 months.
Product: Credit reporting 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 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.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: Debt collection

account is close, then its open reported on my credit, info is not correctstole my info and trying to collect for me with out my concent
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/ XXXX XXXX/XXXX  ... Has yet to give me results for a dispute over 30 days ago.. Nor has they responded to my letter asking why its over 30 days and I havent had any results
Product: Debt collection

Equifax is wrongfully reporting a debt that does not belong to me.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX -Late Payment XXXX XXXX XXXX XXXX XXXXXXXX XXXX -Late Payment XXXX XXXX XXXX XXXXXXXX XXXX XXXX -Late Payment XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX -Late PaymenXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX -Late Payment XXXXXXXX XXXX XXXX XXXXXXXX -Collection/Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I have called Freedom Mortgage about loan # XXXX about claim # XXXX every day for a month now about releasing funds from our insurance settlement. 

During this whole process nothing was explained on what Freedom Mortgages procedures were, no letters, no email nothing. I had to call and ask questions on how everything works and after 3 calls I found out the there was a My Insurance portal where loss drafts were handled. 

I then received insurance settlement checks from XXXX XXXX XXXX Freedom Mortgage has received XXXX checks thus far : {$XXXX} advance on XX/XX/year> {$XXXX} final check on XX/XX/year> {$XXXX} depreciation check on XX/XX/year> I received the {$XXXX} check back from Freedom Mortgage on XX/XX/year> I called on XX/XX/XXXX when I received the XXXX checks from XXXX XXXX XXXX for {$XXXX} and {$XXXX} to ask where to mail them and which ones to endorse, during that phone call they told me any check below {$XXXX} not to endorse and they will send back to me directly and checks above {$XXXX} they wanted me to endorse and send to them to deposit in a restricted Escrow account. I then received notice on the portal that they were sending back to me the {$XXXX} check for endorsement and they wanted to deposit this in the restricted escrow account which was misinformation. Next, I asked how can I get a draw check to pay my contractors which had not been paid since the {$XXXX} advance check. They said they had to order a inspection to see how much was completed on the house. XXXX ordered an inspection on XX/XX/XXXX and we are now at XX/XX/XXXX and I still have Freedom Mortgage holding onto the restricted escrow funds and my contractors have walked off the job, because of their poor communication and no one in the company is willing to give me answer to when I can get a check to pay my contractors. My wife and I and XXXX children have been homeless since XX/XX/XXXX and Freedom mortgage from beginning to end has held this process up. It has been determined by the inspectors that Freedom Mortgage sent that the house is XXXX  % complete and my contractors just want paid as they have put a lot of time and money into the home and need a draw to keep going. 



On XX/XX/XXXX I called Freedom Mortgage to ask what the procedure was
Product: Debt collection

My daughter was seen at a XXXX XXXX urgent care clinic XXXX XXXX XXXX XXXX TX XXXX on XX/XX/XXXX. We received a bill on XX/XX/XXXX for a {$30.00} copay which was paid that day through the website listed on the bill. On XX/XX/XXXX I received a collection from Nemo 's  Investigations and Collections XXXX XXXX XXXX XXXX AZ XXXX claiming to be collecting on behalf of XXXX XXXX XXXXXXXX XXXX demanding the {$30.00} payment with {$0.00} interest and claiming that my debt will be reported to the crediting agency if I do not pay. I have attached my receipt from payment as well as the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTER ACT XXXX  ACCOUNT XXXX  XXXX  XXXX HAS VIOLATED MY RIGHTS 15 U.S.C. 1681 SECTION A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION 604 A SECTION 2 I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

Received background information results and found out XXXX XXXX said I owed {$420.00} which I paid and the account was clear as of XXXX, As of XXXX It still showed as a risk as this was supposed to be cleared without hitting my credit report again. All three bureau agencies report different outcomes. I have no open accounts or debts besides the XXXX card. I am trying to get my scores up to get my personal vehicle changed over into my name as well as my current house. Please help me with this issue. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following inquiries on my credit report, I do not recognize and they are not related to any transactions by me and i received no benefit from them. They are causing me injury and harm and denials of actual credit. 

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 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 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 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
Product: Debt collection

I have tried many times to negotiate with Navient regarding my student loan. They will not take anything into consideration as i have told them many times i am already paying {$500.00} a month in other student loans and in no way can pay what they are asking as there is no money left. Im not trying to not the pay the loan, i just want an affordable option. So I resulted to sending them what money i have left from other loans and life expenses which resulted in {$10.00} each payday. 

However, they have resulted in harrassing me by phone and will not give me any options. Today they called my job, i tried again to negotiate but they said no and told me they will continue to contact me at this number. 

Before calling me at my employment, they called my parents house many times a day asking for me beginning at XXXX until XXXX. Now they have resulted to calling me at work. 

I need these people to stop the harrassing tactics and try to help me with resolving the issue. They never give me but one option and that is the rate reduction plan and its over {$300.00} a month. If i had {$300.00} left each month, i would send it to them. 

The last statement today was we will continue to call you at this number until your account is current. 

Make them stop and give me a fair deal.
Product: Debt collection

I've contacted this company several times to have the debt removed from my credit report! I've sent this Collection Agency a copy of my Police report, Social Security card, and identification, but yet this item remains on my credit report. The company received these documents by certified mail, but have yet to remove the account. I will be following up with the fair Credit Reporting Act regarding this matter! I will also proceed with legal action if this account is not removed from my credit report within 30 days!
Product: Credit reporting, credit repair services, or other personal consumer reports

hello i have a legal name change that i am trying to update with equifax its being more than 6 months now, thats i have been try to get my name change at equifax, unsuccesfully, i already sent them my new issued social security card, my certificate of naturalization and everything but they still not want to update my information.what is the proper way to get this solve.   thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 Wells Fargo dealer services illegal checked my credit when told to remedy it they hung up and insisted they will do what they want even if its in violation of the FCRA several attempts to have them remove the inquiry which they had no permission has failed and they have damage our ability to get a loan ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. I need these accounts removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed an unauthorized inquiry on my report and I demand that it gets removed with 4 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC SECTION 604 a section 2 : it also states a consumer reporting agency cant furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer as late for any purpose.
Product: Credit card or prepaid card

THE PRODUCT PURCHASED WAS DAMAGED AND RETURNED TO MERCHANT. MERCHANT WAS UNABLE TO PROVIDE GOODS OR SERVICE PURCHASED. AFTER SEVERAL ATTEMPTS TO DISPUTE THE CHARGE THE CREDIT CARD COMPANY ( BEST BUY CREDIT " CITI BANK '' ) REFUSES TO REMOVE THE CHARGE FROM MY STATEMENT. PLEASE READ FTC REPORT NUMBER XXXX FILED FOR THE MERCHANT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require corrections and deletions. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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
Product: Credit reporting or other personal consumer reports

I am not able to get through to Experian concerning the many discrepancies in my credit report. I have sent over to them the real and valid information for me they are still housing inaccurate names and socials on my credit report. They have been provided since XXXX  my valid social security card and drivers license and Ive added an extended fraud alert and this has still been no help for me at all. they sent a report with a dispute number of # XXXX Investigation ID # XXXX and this whole report is off with over 85 % inaccurate information. I can not get through to a live person since last monday whenever I enter my social the system apparently recognizes my number and will direct me to find help online