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

Equifax, XXXX and XXXX are REDLINING MY Social Security number. I have seen my scores decrease with absolutely no change in my credit. I have no collections and have not had any late payment in over a Year. I contacted each bureau and was told that there was no change to my credit to warrant a significant drop in my scores. XX/XX/2022 my XXXX score was XXXX. By XX/XX/2022, my score with XXXX was XXXX. By XXXX XXXX my score went up to XXXX. I watched my score decrease without NO Change to My credit. By XXXX XXXX my score had went down to XXXX down XXXX points. I called XXXX and was told that there was no change. Equifax has done the same thing. XXXX XXXX my Equifax score was XXXX. It went to as high as XXXX on XXXX XXXX. By XX/XX/2022, my score decreased to XXXX a change of XXXX points. I verified with Equifax that there had been no change to my credit report. These bureaus are keeping me from reaching lending criteria. Also, these credit bureaus have reported a fraud indicator to these companies that are preventing me from establishing credit. Every company I apply to is saying that my identity can not be verified and there is a risk of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT HAVE A IDENTITY THEFT CASE OPEN OR PENDING. I DO NOT HAVE A SECURITY FREEZE ON MY SOCIAL SECURITY NUMBER. I DO NOT HAVE A FRAUD ALERT ON ANY OF MY ACCOUNTS WITH THE CREDIT BUREAUS. THIS IS EMBARRASSING AND DEFIMATION OF MY CHARACTER. I
Product: Student loan

Nelnet is reporting disbursements twice on the same dates which is not correct such as : 1. Nelnet is saying on XX/XX/XXXX they disbursed {$33000.00} for fall term. XXXX has never given ne that amount in one term. However, on XX/XX/XXXX.  However, I did receive {$5200.00} from financial aide for fall term.

2.Nelnet is saying I got {$17000.00} & {$17000.00} on XX/XX/XXXX. Financial aide disbursed only amount to me on that date.

3. Nelnet is saying on XX/XX/XXXX they disbursed {$15000.00}, {$15000.00} on that date and also disbursed {$10000.00} on that date. I only received one disbursement on that date from financial aide. 

4. Nelnet is saying on XX/XX/XXXX for they disbursed to me {$10000.00} and also on that date {$9400.00}. I did not receive XXXX disbursements on XX/XX/XXXX only one 5. Nelnet saying on XX/XX/XXXX they disbursed {$16000.00} & {$10000.00} on that same date. Financial aide only disbursed one amount to me on XX/XX/XXXX. 

6. Nelnet said on XX/XX/XXXX they disbursed {$10000.00} & {$14000.00} on the same date. Financial aide disbursed only one amount on that date not two amounts to me for one term. 

7. Nelnet on XX/XX/XXXX saying they disbursed {$14000.00} & {$10000.00} to me. This is false, financial aide only disbursed one amount to me not two per term!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been trying to resolve some issues with Experian in regards and misreported information on my credit report. Experian has put negative and inaccurate language on my credit report affecting the other reporting agencies as well. This has impacted my livelihood negatively and stunted my acquisition of my rights to essential living requirements such as a home, car or extention of credit to increase my quality of life. Experian has violated the Fair Credit Reporting Act and should be penalized for their actions.
Product: Credit reporting or other personal consumer reports

Account : XXXXTo whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as OPEN, but also as having a past due balance of {$11000.00}. This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards. According to The Fair Credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, I think we need to eliminate any incorrect accounts from my credit report. Could you please examine the documents? There are inaccuracies in the reporting of some accounts, including the amounts and dates.
Product: Mortgage

I have a home equity loan with a company in XXXX, XXXX, Loan Care, who is horrible. Dealing with them has been a nightmare in general. Reaching them on the phone is difficult at best. I can almost never get in touch with a human being ; their automated phone system has perfected the art (? ) of the runaround. Back in 2009, I was told that I was {$13000.00} in arrears ( no foreclosure proceedings had been instituted ). My husband sent them the {$13000.00} and it was not applied to the loan ; it was put " in suspense '', whatever that means. I STILL have no idea where it went. My husband requested a copy of the original loan and we were sent a copy of the loan for someone in XXXX. We had very expensive plumbing problems this last year and got a little behind, so of course they began foreclosure proceedings. Well, that has been " resolved ''. The latest trick is that we have tried no less than XXXX times to request a payoff amount so we can get rid of the headache that Loan Care is, but I have yet to have received it. And again, it seems to be impossible to speak to an actual human being. To add insult to injury, they are also impacting my credit report. My congressman 's office tells me you can help me. I hope so. Please let me know what you need from me. 
Thank you for your time.
Product: Debt collection

A collection showed up on my credit report from LVNV Funding LLC without any notification. I did not agree to LVNV Funding to gather information about me or for XXXX XXXX XXXX  to give LVNV Funding information. XXXX XXXX XXXX  is not currently on my credit report, and they had a class action lawsuit against them.
Product: Checking or savings account

In XX/XX/year>, I received notification to update my address from the XXXX XXXX or XXXX  to a physical mailing address. 
I was confused because they have my mailing address, which is physical. I explained to them that what I have is in fact a physical mailing address where I received all my mails. Subsequent correspondence requesting the same thing as irritating, but I reached out and someone explained to me that it had to be a physical address, to which I said yes it is, and it is also a place where I get my packages. Further communication regarding this matter occurred around the holiday season of XXXX after explaining the situation, the Wells Fargo representative told me not to worry about it anymore since its a physical location/address. 
Eventually, I went on their website and made some changes on my account through the app, but did not change the address on file. 

Two weeks ago, I found out that my account was closing when I went to conduct business at one of their location. A case was open in an attempt to stop the closure, but I received a letter today stating that they could not reverse their decision. They state, however, that even though the responsibility of informing me not to worry about the issue any longer was their mistake, the only recourse was to provide further training to their staff, and completely disregard the fact that nobody explained to me that they needed a residential address instead, until two weeks ago. This irresponsible Wells Fargo behavior has led to much financial woe for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some inquiries on my report that, after contacting the company and trying to get more information and remove the questions, they were unable/refused to say I had to file an FTC report XXXX I have attached a copy of the Identity Theft report and a copy of my ID. The fraudulent accounts are as follows : XXXX XXXX XXXX inquiry on XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX inquiry on XX/XX/XXXX ; XXXX XXXXXXXX XXXX inquiry on XX/XX/XXXX ; XXXX XXXX inquiry on XX/XX/XXXX. The only thing that makes sense is someone at the lending company misused my info because I was pre-approved when I purchased my home, so I never gave my info to have them check for financing. When I called the lender, they confirmed they never tried to run my credit because I had a pre-approval covering the home 's cost. With that being said, the inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency. The inquiry was not authorized. Did not consent to unauthorized inquiry.
Product: Debt collection

I was recently the victim of identity theft via a massive data breach last year with my former health care insurance company, XXXX. I received a bill for cell phones purchased in my name from XXXX in XX/XX/XXXX of last year and immediately called and reported it with XXXX in XXXX 's Fraud Department on XX/XX/XXXX. She helped me report the account as fraudulent as she assured me the account was marked as " fraud '' and closed. I have continued to receive bills from XXXX and now also received a collection notice from GC Services Limited Partnership. I called XXXX to inquire about why they would have turned over a closed fraud account to a collection agency, and I could not get through to anyone via telephone in the XXXX Department for help. I was referred to a website dispute form to fill out and submit, by All Clear ID ( a credit monitoring and assistance company hired by Anthem to assist their ID theft victims ). This dispute form states clearly that XXXX has 30 days to respond. When I spoke to XXXX XXXX at GC Services Limited Partnership, she said that she can place the account in a dispute status only until XX/XX/XXXX and then it will be reported at all credit bureaus. Since I can not obtain my police report for a week, it would seem that XXXX has made it impossible for me to remedy this situation that I am completely not responsible for, in time to prevent my credit from being affected. I am now forced to seek legal remedies from XXXX due to their unethical practices and refusal to help me in any way other than a process they have devised to allow them to take advantage of anyone who has been victimized by fraud. I have been victimized by Anthem 's lack of data protections for it 's customers, and now I am being victimized by XXXX for an account that I did not open.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Account # XXXX bankruptcy XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX has violated my right also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 

15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish and account without my written instructions 15 USC 1681 section 602A states that I have the right to privacy.
Product: Credit reporting or other personal consumer reports

Complaint : Discrepancies in Credit Reports, Identity Theft Concerns, and Lack of Access to Credit Report via XXXX Personal Information : Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Email : XXXX Phone Number : [ Insert Phone Number ] Company Name : XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX Consumer Assistance Complaint Details : Issue : I am writing to file a complaint regarding discrepancies across my credit reports from XXXX, TransUnion, XXXX, and XXXX. I have encountered the following issues, all of which I have attempted to resolve through the credit reporting agencies, but without satisfactory resolution : Inaccurate Personal Information : My credit reports contain outdated and incorrect personal information, including incorrect addresses, phone numbers, and employer information. Despite my multiple requests to update and correct this data, it remains inaccurate. 

Identity Theft Concerns : I am a victim of identity theft, as documented by the attached police report ( Case XXXX XXXXXXXX ). Fraudulent accounts have been opened in my name, and I am unable to access these fraudulent accounts to review their details. Additionally, checks were stolen to further justify this identity theft. I have filed a police report and an identity theft report with the Federal Trade Commission ( FTC ). These documents are attached as evidence. 

Failure to Provide Access to Credit Report via XXXX : I have a subscription with XXXX to access my credit reports, but I am currently unable to access my credit report. This lack of access is preventing me from reviewing the status of my accounts and taking necessary action against the potential identity theft. 

XXXX XXXX XXXX XXXX : The credit reports from the XXXX major bureaus, XXXX, XXXX, and TransUnion, display inconsistent information regarding the same accounts. Account numbers, payment status, and other details differ, suggesting errors and possibly fraudulent activity.
Product: Debt collection

I've never had a written or oral contract with Jefferson Capital system, which seems to be a collection agency who refuses to investigate or validate this debts accuracy, my violating my rights under fcra.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have contacted Equifax and they keep saying that have not received the documentation. I have sent it to them several time without any response. Please delete this inquiry for XXXX XXXX made on XX/XX/20.
Product: Debt collection

Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I  have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  car loan is paid off. They are still reporting it delinquent will not fix. No title sent either getting run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft, I have made XXXX complaints in the FTC department notifying each of the credit agencies XXXX, TRANSUNION, sending all my data from the accounts that do not belong to me, my identity and the complaint number that the FTC agency provided me, refusing to remove them from my cut, also request the creditors to send me a proof of the contract signed by me of these accounts that are reporting in my credit report through certified mail which certifies that they received it, which was not answered by them, so I open this dispute since there is no proof that I was the one who opened this account and someone used my data to do it, these accounts do not belong to me and these agencies are not doing the proper verification and violating my rights to fair credit by law. Disputed accounts that have not met the correct verification are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$31000.00} TRANSUNION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have complied with all the requirements and regulations to identify that these accounts are not mine, my right to remove them is being violated and these agencies are not doing the verification well since all these accounts do not present veracity in any of the bureaus and also I do not It was I who opened them, nor have the creditors presented proof that these accounts belong to me. I ask that you intervene as the body that regulates these bureaus, since it is a process that they do not want to take measures to correct this, thanks.
Product: Checking or savings account

I had cancelled a XXXX  service, XXXX, in early XXXX after numerous complaints of service failure dating to late XXXX. Despite my attempts to cancel service, my Axos bank account was auto-drafted two different service fees, XXXX and XXXX, even with no service ; one for home use and another for business, which I'd disputed. Then after I was able to cancel service, XXXX in response drafted {$39.00} from my account for equipment that I'd already purchased, then said I'd have to return it and email proof of return with a tracking number, which I did on XX/XX/XXXX, and again on XX/XX/XXXX. Meanwhile, I had disputed these drafts with my bank, Axos, on XX/XX/2015, XXXX, and several times in XXXX the last of which was XX/XX/XXXX. Axos said I'd have to provide proof of cancellation, requests to cancel, and provide a signed affidavit. I did so, yet to date, I still have not received any recovery of fees drafted that were without my authorization or knowledge, and after I had cancelled the service and had obtained proof the service was cancelled. My frustration is with the service, but also with my bank which has promised resolution but subjected me to delays without any. This seems to be a pattern with this bank, but also results from a real problem involving online merchants exploiting and abusing customer bank accounts and the access they'd been granted for specific charges that in no way intended to grant lifetime recurring charges for defective, unwanted, or cancelled services. I learned from one online merchant this week that even after a customer has deleted a payment method and/or cancelled a service, the card number stays in the system where it could be easily accessed/charged again with or without the customer 's approval. I learned from a second merchant ( representing XXXX ) that any debit or charge card used then suspended or removed from an account or service actually remains where the merchant places a hold on it just as gas stations do when paying at the pump. This spells big problems for customers and even worse concerns about merchants, online or those who use auto-pay as either an option or requirement, are compromising and exploiting customers who, like I, do not have the financial luxury of maintaining endless subscriptions or services ; nor who are able to pay bills at various times of the month, because of one-time monthly retirement payments. This is not the only time I have been hurt by these problems, and I will be submitting other complaints involving banks refusing to block or recovery drafts that I'd not authorized or after I had either blocked or suspended. It has devastated my credit due to charged off accounts that were overdrawn strictly due to unauthorized auto-drafts and payments.
Product: Credit reporting or other personal consumer reports

I took an XXXX Loan out to pay for my XXXX order, I made all my payments on time DESPITE MY UNEMPLOYMENT, EVICTION, CAR REPOSSESSION, I HAVE NEVER BEEN LATE ON THE PAYMENTS FOR THIS ACCOUNT AND I WANT THIS LATE PAYMENT EXPEDITIOUSLY REMOVED FROM ALL CREDIT REPORTS ALONG WITH {$100000.00} AND MY ALL OF CURRENT LOANS PAID IN FULL OR {$100000.00} PLUS LEGAL FEES ALONG WITH THE LOANS ON MY ACCOUNT PAID IN FULL AND REMOVAL OF THIS ACCOUNT AND ITS ENTIRETY OFF ALL MY CREDIT REPORTS EXPEDITIOUSLY!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report inviolation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$810.00} XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXXBalance : {$2300.00} XXXX  XXXX  XXXX Balance : {$640.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX  XXXX  ) XXXX Balance : {$550.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$800.00} XXXX Balance : {$0.00} XXXX XXXX Balance : {$8700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was targeted by an auto loan lender Sandtander Bank with predatory lending ( Extremely high interest rates for people with less than perfect credit that live in impoverished and low income neighborhoods ). 
The auto loan account was promised to be removed from my account and forgiven after 2 plus years of ownership, but this has not been done as of yet ... even after multiple attempts to reach Santander. I also tried contacting the lender through the credit reporting agencies, but my claims were not addressed directly. I received generic respnses that did not specifically address my complaint. Moreover, Santander bank was sued and lost the case for this same reason ( predatory lending ). All of the documents pertaining to this settlement/lawsuit was in fact mailed to the 3 credit bureaus with certified mail. I will 100 % admit that I was actually happy to get the financing initially bc I was badly in need of a car for work, and the payments seemed mangeable to me at the time. In any event, soon after i feel behind on the payments and realized after speaking to other people that I was being charged over 10 times what the majority of other people in the US pay on auto loan interest. And, my rate is close to 30 % annually. This account is destroying my credit and ultimately my life experience. NOT TO MENTION THAT THE CAR WAS A LEMON. HAVENT BEEN ABLE TO DRIVE IT IN OVER A YEAR. Please help. Thank you.
Product: Checking or savings account

I received in the mail a debit card from JPMorgan Chase Bank in XX/XX/XXXX that I had never requested. I immediately went to the local chase branch at XXXX XXXX XXXX, NY and reported this to XXXX. She was able to close the account. I received in the mail on XX/XX/XXXX a checking statement with transaction details from the account number XXXX : Balance : {$800.00} XX/XX/XXXX Online XXXX XXXX To XXXX XXXX # # # # # # # # # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ID : XXXX XXXX XX/XX/XXXX Online transfer XXXX To XXXX XXXX XXXX XXXX # # # # # # # XXXX XXXX XX/XX/XXXX Online Transfer XXXX To XXXX XXXX XXXX XXXX # # # # # # # XXXX XXXX XX/XX/XXXX Debit DDA-Check Charge Ending Balance {$0.00} I have shared this information with Chase Bank XXXX