23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I 've initiated several disputes with Transunion over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlined and that your site has told me to do. Still having issues with some accounts because I guess they want to collect more money from these creditors because they get paid to report negative. It 's hurting my family. Below are some documents I sent to them on several occasions. It seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. XXXX & unknown medical collections are one in the same, but neither one can help. So how is it the Bureau claims to have all the info, but they ca n't find me in their system. First credit keeps reporting every month even after receiving my documents months ago, and the debt supposedly was a vacuum cleaner?? No clue even after calling their fraud department. I would never get a vacuum for this much and would n't buy it from a place called XXXX. What I 'm uploading now is just 1 of many. I am hoping to get some resolution to this and focus on my children and work. Hope this finds you well Consumer financial protection bureau. Thank you for hearing me and my husband today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update all of my personal information on my credit report for each bureau : XXXX, XXXX, and TransUnion My only name is : XXXX XXXX My only address is : XXXX XXXX XXXX. XXXX XXXX XXXX, Michigan XXXX My only birth date is : XXXX My only phone number is : XXXX My only employer is : XXXX  There may be individuals that have the same information as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.
Product: Debt collection

CKS and Velocity Asset Management have been so difficult to get this fraudulent account out of my credit. I called the phone number listed on this collection report Velicity gave me a phone number saying my account was being managed by some other company. I called the company they told me to call another company at this number who they claim is managing my account. I called XXXX per CKS and velicities request. I have been in 8 different phone calls today on the XXXX of XXXX with both entities. They record phone calls Im sure they can hear every conversation. They told me they dont have any accounts under my name social or anything of that sort. I called CKS back and they kept telling me to call back that company. I called them back they told me no account here sir. I NEED CKS to stop being scams and frauds. I didnt open this account this account is fraudulent. I never opened this account and Im providing with a police report here as well so they can view the scams that they are. DID CKS USE MY INFO? Cause who else did? This is not my debt and I wont stop until the person who did this is being held accountable. The credit card they even mentioned I have never even heard of such credit card in my life. Besides I have out of the country since 2021 most the time cause I was touring in XXXX. I sing for XXXX XXXX and I got millions of streams. I have been public figure for 10 years of my life but never thought anything like this could ever happen to me. 

I do not own this account and I need this account removed. I wont get any resolution speaking to them directly. Im in a huge state of XXXX cause of this. Im under so much stress cause of this I cant even type properly. Why would they do this to someone like me?
Product: Credit reporting or other personal consumer reports

I had a delinquent credit card with XXXX XXXX  that was delinquent & I called XXXX XXXX few months ago to settle my delinquent balance & only XXXX updated properly with a {$0.00} balance. I tried reaching out to the credit bureaus many times to correct the reporting as well as XXXX XXXX after our settlement and no resolution to my issue. Transunion balance is not reportingthe balance as {$0.00} as well as XXXX, XXXX is also showing the account as a duplicate on my credit file.
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 USC 1681. 
XXXX  Account # XXXX XXXX  Account # 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: Vehicle loan or lease

I XXXX XXXX was in the market of buying a new car. I was told one thing during the time of purchasing the car and after signing of papers and driving off with the car. Going to the bank to have the car refinanced. I was told that the deal that the car dealership gave me was not what I was told. The interest rate is very high to the point that I can't get anyone to help me refinance my car loan. The value of the car is depreciating faster than making the payments and I was told that the trade in was go toward down payment on my new car. But they got my new car and then added a loan onto my car payments for the old car as well as paying for the new one. This is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX. DealerXXXX. It was also financed through a company called XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ... .with a 18 percent Annual Percentage rate, Finance charge XXXX, Finance Amount XXXX total of payments XXXX on a XXXX car ... please help me or call me about this matter. XXXX XXXX XXXX XXXX.
Product: Credit reporting

Hello, I am filing this complaint against Trans Union credit bureau. They are reporting inaccurate information on my credit report. I have previoulsy disputed the information on my credit report and have n't received a resolution to the matter. There are several accounts reporting that do not belong to me as well as all inquiries I have reviewed on my report. I have filed a police report in regards to this matter. I am requesting that all hard inquiries be removed immediately as well as the 5 accounts in collections that do not belong to me as mentioned before! They were also inquiries that were removed and added back to my report with giving me 5 day notice which is required by the FCRA. This is a violation of this statute. I will continue to pursue all actions accordingly until this matter is resolved. I have provided a copy of my identification to speed up the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, My name is XXXX XXXX, former address XXXX XXXX XXXX XXXX, XXXX FL, XXXX. My previous FHA Loan was with XXXX XXXX. I sold my home in XX/XX/XXXX because I am XXXX XXXX military and had to move to XXXX. XXXX is reporting 19 late payments on my account which is completely inaccurate and I have the bank transcripts to prove this, which have been sent to them through two different disputing agencies. There was partial payment made throughout the history of the loan by mistake from when my spouse, who was going through 2 years of XXXX and XXXX, made partial payment. Unfortunately while I was XXXX, she had to remember and cover down some of our bills. This was also provided in the dispute sent to XXXX. Right now I am XXXX and my Wife ( In remission from XXXX ) and XXXX year old XXXX are homeless because the reporting of my mortgage payments is false and I can not receive a new home loan. 

I would like them to report what payments were missed and what payments were late and also provide some form of documentation to me in the meantime while my credit updates so that I may in tern provide this to a new lender in an effort for a new loan. If I made a payment for XX/XX/XXXX, in XXXX of XXXX it should report as such. If XXXX of XXXX was missed, then that should report as well. At least then I can pinpoint the time and location of why the payment did not make it to the mortgage lender, for example, I received a XXXX XXXX XXXX bill in XXXX  of XXXX, or I was out to sea and unable to access internet or communication devices. 

Thank you for your time and If you can provided any assistance in this matter I would greatly appreciate it. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In Accordance with the fair credit reporting XXXX account XXXX has violated my rights. 15 USC 1681 section 604 A section 2 : states a consumer reporting agency can not furnish an account without written instructions. 15 USC section 602 states I have a right to privacy. 15 USC 1666B and 15 U.S. Code 1666a, states a creditor may not treat a payment account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I was not able to verify certain information with the various companies and so no one was able to help me with the issues relating to my inquiries. They somehow have my file and information in their system but when I contacted them representing myself, stating I did not authorize them using my information, they were unable to help.
Product: Debt collection

MADE THE HUGE MISTAKE OF ATTENDING XXXX XXXX   XXXX ALABAMA CAMPUS. THIS SCHOOL DID NOTHING BUT ROB US EVERY SEMESTER AND MAKE US BRKEN PROMISES. ON XX/XX/2014 MY FATHER DIED UNEXPECTEDLY. I CONTACTED EACH OF MY PROFESSORS AND INFORMED THEM OF WHAT HAPPENED. DUE TO THE FACT THAT I HAD TO PLAN THE FUNERAL ALONE AS WELL AS HANDLE ALL OTHER THINGS THAT HAD TO BE HANDLED I CONTACTED EACH OF MY PROFESSORS TO INFORM THEM THAT I WAS NOT MENTALLY ABLE TO TAKE MY EXAMS. I WAS GREETED WITH NASTY EMAILS AS WELL AS PHONE CALLS. MAINLY FROM JUST ONE OF MY PROFESSORS. MY MATH PROFESSOR AT THAT TIME WAS EXTREMELY NICE AND WAS WILLING TO WORK WITH ME. THE OTHER WAS NOT SO NICE AND SO I REACHED OUT TO THE PRESIDENT OF THE UNIVERSITY AND THAT WAS A HUGE MISTAKE BECAUSE FOR THE PAST ALMOST FOUR YEARS THIS " PERSON '' HAS LIED TO EVERYONE INCLUDING HIMSELF. AFTER BEING MET WITH SUCH HATRED FROM THE STAFF AT XXXX UNIVERSITY I REACHED OUT TO THE DEAN OF STUDENTS WHO OFFERED TO PROTOCTOR THE FINAL EXAM AND YET THIS " SO CALLED PRESIDENT '' DID NOTHING TO MAKE IT HAPPEN. AFTER I COULD NO LONGER TAKE ANYMORE HATRED FROM THIS UNIVERSITY I SET THEM ALL A EMAIL ( PROFESSORS AND PRESIDENT ) AND I WITHDREW FROM THE UNIVERSITY. LATER I RECEIVED A BILL FROM THIS SCHOOL. I CONTACTED THEM ( XXXX ) AND WAS TOLD THAT I COULD DISPUTE THE CHARGES AFTER I TOLD THE REP WHAT HAPPENED HE ENCOURAGED ME TO OPEN A DISPUTE AND I DID. THE PRESIDENT OF THE UNIVERSITY CONTACTED ME AND LIED ... I WAS TOLD THAT THE ENTIRE SEMESTER WOULD BE FORGIVEN. AND THAT HE WOULD HAVE MY TRANSCRIPT SENT TO XXXX UNIVERSITY. NO REFUND WAS EVER DISCUSSED AT THAT TIME. I WAS NOT EVEN EXPECTING A REFUND. WELL TO MY SURPRISE THEY SENT ME A PARTIAL REFUND FOR THAT SEMESTER. CURIOUS I ASKED THEM WHERE WAS THE REST OF THE MONEY FOR THAT SEMESTER AND HE ( PRESIDENT ) LIED AND SAID THEY SENT IT BACK TO THE DEPARTMENT OF EDUCATION. AND THAT HE HAD A WRITE TO CHARGE ME WHAT THEY SENT BACK. NOW THE MONEY THEY DID SEND BACK THE PRESIDENT WANTED ME TO SEND IT BACK TO THEM TO PAY OFF THE OVERCHARGING THEY HAD DONE THE SEMESTERS BEFORE. NO MONEY HAS EVER BEEN SENT BACK TO THE DEPARTMENT OF EDUCATION. THIS COMPANY IS STILL ASKING FOR OVER 5,000.00 AND THEY STILL HAVE GRADES DOWN FOR THE SEMESTER THEY CLAIM WAS FORGIVEN. THIS COMPANY HAS HURT AND OVERCHARGED ME AND OTHERS FOR SEVERAL SEMESTERS. I RECENTLY CONTACTED THEM AND THEY WERE NASTY AND COULD NOT EVEN GIVEN ME ANY ONFORMATION. I HAVE BEEN CALLING THEM SINCE LAST YEAR. THEY HAVE ROBBED SO MANY STUDENTS ANS STILL CONTINUE TO EXPECT US TO PAY THEM FOR BROKEN PROMISES AND THE FACT THAT I MISTREATED AND CHARGED FOR HAVING A DECEASED FATHER. THIS SITUATION STRESSED ME SO BADLY THAT I COULD NOT EVEN GRIEVE THE DEATH OF MY FATHER. THIS SCHOOL AND COMPANY ( XXXX ) HAS LIED TO MAKE THEMSELVES LOOK GOOD WHILE TAKING ADVANTAGE OF STUDENTS AND THEIR EDUCATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently denied my right to shelter due to incorrect information being reported on my SAFERENT SOLUTIONS profile in which I was unaware that I had. I don't know how XXXX XXXX and SAFERENT SOLUTIONS obtained non public information and then furnished it without my consent.
Product: Checking or savings account

I'm dealing with Wells Fargo. Earlier in XXXX, I had opened an account with them based on the huge ad all over their front page saying " get {$400.00} free when you make qualifying direct deposits in your checking account in 3 months. click here to create that account ''. So I created the account, and had direct deposited well over the necessary amount ( they had both a {$3000.00} and {$4000.00} offer, but I signed up at the time of the $ XXXX3 mo. ). When I was wondered where the credit was, I called and was told to call back at another time because no one was able to check the eligibility at that time. This led to me calling them nearly 30 times in the past month, being forced to get checked for eligibility about 5-6 times ( they had determined I was those times, but 'did n't have the authority to process the credit themselves ' ). So they forwarded me to the 'Executive Office ' where I was told I could receive the credit of {$400.00} that Friday ( which is 2 weeks ago now ). Well that payment never came in and since then I've been calling regularly with no help, being told someone would reach out to me within 10 business days each call. Being told my case manager ( which was the one who told me I was getting paid on that day ) wasn't available that day. Then to learn today that I currently " don't have a case manager assigned yet ''. Complete XXXX, I had talked to this case manager multiple times and now they just want to sweep this whole thing under the rug like I haven't been trying to escalate this case for nearly a month now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed many inaccuracies on my credit report. On XX/XX/2022 I check my credit and found the account with Ally financial # XXXX to be reporting incorrectly on my credit. 

I am not disputing the validity of the account however I am reporting inaccuracies on all three credit bureaus. The disputes were sent out on XX/XX/2022 stating the inaccuracies on my credit report. 

On XX/XX/2022 I received a response from XXXX stating the investigation was completed and the account was updated. 

Upon reviewing my credit on XX/XX/2022 I notice that XXXX never investigated my disputes. DATE OF LAST ACTIVITY, HIGH CREDIT and COMMENTS are still reporting inaccurate and inconsistent. 

I did not receive any response from XXXX or XXXX. 

I have attached my initial disputes, the credit reports with all the inaccuracies, the investigation completed by XXXX and an up-to-date credit report showing the inconsistent and inaccurate information. 

Please remove this account from my credit report.
Product: Mortgage

My loan was never serviced by Shellpoint/Newrez . The loan in question was paid in full by XXXXXXXX XXXX  ( to XXXX ) in XXXX of XXXX, there was no balance when Shellpoint purchased the loan infomation from XXXX. No payments were ever made to Shellpoint, no balance ever carried. My credit report shows past due payments of 180 days reported XX/XX/XXXX. I have never been late on any mortgage payments, with any lender. Having this information on my credit report has caused my husband and I stress, and has significantly decreased our credit scores. I have never received any statements, bills or letters regarding a mortgage balance or late payments. 

Contact was made to Shellpoint on XX/XX/XXXX where the agent said she was requesting removal and it should show with the credit bureaus within 30 days. 

XX/XX/XXXX Called again and spoke to an agent that also said that there was no information available to suggest I had ever owed a balance. Was advised to submit request through email, notes were also made on my account. 

XX/XX/XXXX follow up email sent, no response
Product: Payday loan, title loan, personal loan, or advance loan

3 years ago I gave my XXXX XXXX XXXX daughter a XXXX. I had to put her mothers name secondary on the title because she lived with her and she had to get insurance where she lived. Now 3 years later we have found out that her mother XXXX XXXX got a title loan on my daughters car and has yet to make a payment. They said my XXXX XXXX XXXX gave permission for the loan to go through. How can a XXXX XXXX XXXX sign a legal binding contract loan? Isnt that illegal? Now Ive contacted Wilshire consumer credit in California because they have the title. I want to pay off this loan so my daughter can once again own her car free and clear. XXXX wont let me pay this loan off because its not in my name. Any help is greatly appreciated. XXXX XXXX
Product: Student loan

I applied in XXXX for a XXXX discharge from XXXX ; I was approved in XX/XX/XXXX. Kentucky Higher Education Assistance Authority, received my loans from XXXX, who in turn received them from XXXX XXXX. XXXX has sent Kentucky Higher Education Assistance Authority, two letters requesting that they update the XXXX XXXX XXXX XXXX, as to the status and amounts of my loan ; they refused to send the information. I have contacted Kentucky for the last two weeks letting them know my information has changed and asking them to update the database. I found the attached letter, showing Kentucky contacted me in XX/XX/XXXX and XX/XX/XXXX, about the same loans in question. But when I contacted them today ( XX/XX/XXXX ) and yesterday, I was told they no longer have my loans, and the loans were transferred to XXXX XXXX XXXX in XX/XX/XXXX. How could they be transferred in XX/XX/XXXX, when they contacted me about the defaulted loans in XX/XX/XXXX?  Kentucky did change my information, as the letter shows but they are refusing to update the database under my old social security number ( XXXX ) and my new one ( XXXX ). I sent them the court papers, divorce papers, new driver 's license, and social security card, but they refuse to update the database under both socials ; they said legal department and supervisor told them they did not have to, since my loan has not been with them since XX/XX/XXXX. But that is not true, since the letter proves they contacted me in XX/XX/XXXX about the default loans. Kentucky is the last company, that XXXX need to get the loans from, so they can discharge my loans ; Kentucky is preventing my loans from being discharged. And if my loans are not discharged, they will come back on me and I am a XXXX Veteran who can not pay these loans. Kentucky is deliberately not updating the NSLD system to keep my loans from being discharged! They are being very difficult!! Kentucky 's representative told me the loans were consolidated in XX/XX/XXXX by XXXX XXXX XXXX, and I contacted them and they are trying to find the loans. But they have nothing to do with Kentucky updating the database to show who the loans were transferred to ; they need to show the status of the loans with them - that they no longer have them and show what happened to them. But they are refusing!
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. 
Account name XXXX XXXX XXXX  Account name : XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, has violated my rights. 


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

Hello, my name is XXXX XXXX, I am a victim of identity theft. I submitted my initial dispute well over 30 days ago and did not receive a response from the credit bureaus within 30 days. By LAW and the Fair Credit Reporting Act, these items must be removed from my credit file. I need this fraudulent information removed from my credit report within 4 business days. 



Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Fraudulent Inquiries : COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX  XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX  XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX - XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX  INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXXXXXX XXXX INQUIRY DATE XXXX XX/XX/XXXX, COMPANY NAME : XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX XXXX  INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX  INQUIRTY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX, Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CO XXXX, XXXX XXXX XXXXXXXX XXXX COXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX,
Product: Debt collection

I reached a settlement with XXXX XXXX XXXX, XXXX on XX/XX/XXXX on an XXXX ( AMERICAN EXPRESS ) ending XXXX, XXXX XXXX XXXX, XXXX account reference # XXXX. 

The settlement was being paid on timely manner and Collections agent, XXXX XXXX XXXX, XXXX, did not honor and worse kept additional funds not properly adjusted form balances and agreement. 

According to settlement agreement payments where to be received in a timely manner which they were sent and post marked correctly. Nowhere in the settlement letter it states that funds had to clear by the date provided but sent in timely manner which they did revive as such and deposited. 

This collector is in violation of FDCPA by collecting and already provided and being paid for agreement and also not accounting for all funds. 

I have provided settlement documentation and payments effected which clearly reflect that I had until XX/XX/XXXX to complete settlement and the collector simply voided settlement without regards for my compliance and payments effected in timely manner
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't have any financial obligation with these companies