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

I have disputed a couple charge off thats are negatively reporting every month like a payment history on each of my credit report. They have not fixed the issue on my credit report. Its an XXXX account that has charged off XX/XX/XXXX but is showing past due as of XX/XX/XXXX of {$540.00}. I sent in letters and disputed on the online account and nothing has happened. A couple others the same exact thing. XXXX XXXX tab same thing reporting as charge off every month as of XX/XX/XXXX in the amount of XXXX and XXXX XXXX  same thing as of XX/XX/XXXX they are reporting every month as a charge off.
Product: Student loan

When I started going to college to become a  XXXX ,    debt counseling w as not something anyone talked to me about. I began taking out student loans to become a  XXXX , not realizing my profession did not match what my student loans payments would be. At the time, I was a single mother. My student loans were accrued before I got married.   I  XXXX , taking out more student loans to get a  XXXX   XXXX   XXXX . Again, with no credit counseling. When I   XXXX    XXXX , I had about {$60000.00} in student loans. My payment was around {$420.00} per month. My starting salary as a  XXXX  was {$27000.00}. I did my best to make payments, but then had some health issues. I called and was told to apply for a forbearance.   Over the course of 10 years, I was encouraged to take out several forbearance requests, putting my loan currently at {$77000.00}. In the summer of   XXXX  , I called  Navient requesting a  reasonable payment and was denied. They told me to apply for the   XXXX   forgiveness program and consolidate my loans. I was also told to apply for consolidation. I tried all of those options, and because I 'm married, my IBR option was {$800.00} per month. That is almost a whole paycheck for my family!   I would like to start paying on my student loans with a reasonable payment. I indicated thi s to Navient l ast summer. The payment they are requesting is unreasonable. I have thought about making payments less than what they are asking, but read it will ruin my credit and force me into default. So, my only option so far has been to continue to put my loan into forbearance. Being married has actually hurt my payment options. So, do I need to get a divorce and be a single parent to get a reasonable payment?
Product: Credit reporting

I have tried to dispute several items in my report but Equifax tells me that the information that I give them is incorrect and I ca n't proceed with the dispute. I have previoulsy disputed XXXX other item which they accepted ( but have n't finished their investigation ), and used the same informaton that I used for the accepted dispute. Additionally, they dropped my credit score XXXX POINTS without giving me a reason. Nothing had changed on my report for the last three years. XXXX XXXX has the same information and their score is XXXX points higher!!! Could it be that Equifax is making me pay for the dispute I put in and they accepted????
Product: Mortgage

Hello and thank you for your help. I know I am qualified for a mortgage based on my financials but I believe I am being denied a loan because I am a single woman.
Product: Credit reporting or other personal consumer reports

I have disputed the late payment for XX/XX/XXXX and XX/XX/XXXX. These XXXX payments were Initiated before the due dates but posted late due to XXXX delays. Capital One failed to correct the errors after my dispute. The incorrect payments should be removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$11000.00} account XXXXXXXX XXXX XXXXXXXX {$300.00} accont XXXX XXXX XXXX  account XXXX In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

In XX/XX/XXXX I asked XXXX XXXX to disconnect my service because I was evicted and homeless. I was legally restricted to stay off of the property or face trespassing charges. They turned it back on without notification to me. It was on for a period of time which I do not know how long. I did not use this service. XXXX XXXX is the landowner. If anyone used it it was him. He was the only one with access to the residence. The locks were changed on XX/XX/XXXX and I did not have access to enter the premises legally. I have disputed this three times with other companies. I did not open the account in XXXX. That is when they bought the debt. The last payment was in XX/XX/XXXX. Then I was homeless in XXXX and had no way to pay it. I need this removed from my credit as I do not owe XXXX XXXX XXXX. My debt was not with them. Honestly I believe it is a disgrace when companies buy debts from other companies and try to portray a scenerio with false information that is not true. I am now XXXX and receive under {$800.00} a month. It barely covers my mortgage and car. If there is more information needed please contact me at XXXX. I will forward it to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I'm filing this complaint with the Credit Bureaus because I believe the account below that is posted on my consumer report is a fraudulent account. I have no recollection of opening an account with XXXX XXXXXXXX XXXX. I tried disputing this with them to get more information on this account but they did not disclose any information to me. The account number is below. 

XXXX XXXXXXXX XXXX - acct # XXXX I've filed an identity theft report with the FTC and that report is attached below. I ask that this information be removed from my consumer report immediately because it is a fraudulent account.
Product: Debt collection

On   XX/XX/XXXX , I  went to the gas station to fill up a loaner while my car was repaired. Much to my surprise my card was denied.     Another customer told me there 's was also so I assumed it was the gas station and went down the street. The same thing happened but this time I decided to call    XXXX   XXXX   be cause I was in a rough area. Much to my surprise I was told my account had a hold and given a toll free number to call! I called eight times and only reached voicemail - finally I left a message.     The following day I called again - this time I reached a person. I was advised I had a tax debt to the State  of  XXXX    fro m  XX/XX/XXXX ,  XX/XX/XXXX   and  XX/XX/XXXX . Is n 't there a statue of limitations? Do n't they need to advise me?     Not to mention I live in  XXXX  now.     The representative asked me how much was on hold and where I banked. Assuming they already knew, I gave her the information. The representative told me the only way she could release the hold was if I paid in full by credit card.     I tried to reason with the representative and explain the hardship - that coincidentally my lights were cut off and I was already experiencing financial hardship after the death of my mother. Can I make payments? No.     Regardless, that they took every dime I own.     I hung up the phone and called my bank as well as the State to no avail. While I spoke to the bank, I pulled up my bank account and noticed a debit for {$1200.00}. While I was asking for an arrangement the representative processed a debit!     Surely, this can not be legal!     To  imagine the State of    XXXX   allows malicious collection activities at the discretion of  Premiere Credit!      I can not explain the hardship this has caused - currently I am unable to pay m y  XX/XX/XXXX  re nt, I borrowed a payday loan in order to restore my electric, my car payment was past due ( fortunately they deferred my payment ) and my car insurance is due. I attempted to prevent my next check from being direct deposited but it appear s it may not have  been processed - so they will consume another {$1500.00}!     I just received a notice from  XXXX  about the hold/levy o n  XX/XX/XXXX .
Product: Mortgage

Specialized Loan Services has reported my payments as being late for the from XX/XX/XXXX- XX/XX/XXXX and again in XX/XX/XXXX. After speaking to them over the phone I was told that they reported this in error and would change the late payments to Paid As Agreed and it would reflect Current Status on all credit Bureaus. It's currently still reporting as late which is having a impact on my credit score.
Product: Debt collection

I ordered aligners from XXXX XXXX XXXX ( Creditor ) with Health Care Finance Direct as the payment processor, the first set of aligners came and they cut my inner cheek, i made a complain and they sent a new set of aligners but those were wrong too. I had a video conference call and sent multiple pictures, then they sent another set and those were worst than the first. So i booked an in person scan, i was told aligners will be shipped but that day XXXX XXXX XXXX  sized global operations and that was the end of that. 

Now I am told I will be sent to collections even though i have sent email correspondence of this account to XXXX processor Healthcare Finance Direct. I am told to keep making payments for aligners i never received to a company that has filed for bankruptcy.
Product: Debt collection

To whom it may concern, I am writing this to see if someone can help me. i been contacting leasing offices, debt collectors and more pleading my case. i seen years ago i had a apartment show up on my credit report. And once i noticed i submitted multiply disputes to handle the situation and nothing has happened. when speaking to others they have told me there is nothing that i can do and it would remain til i pay it. so for years i done nothing. Then i still tried to apply to apartments and they have all denied me. I cant even get a place to stay so currently i am XXXX. All because of some incorrect information on my credit report. The last time i contacted the apartment people they had advised me that the apartment people no longer own the apartment and they also couldn't help me. i have also contacted the previous apartment company they have not gotten back to me. so now Im pleading my case to you because i need help. Im being punished for something i didn't do. also i asked the credit people what they were using to verify it was me. and they saying that they just matching information. I was robbed years back and they stole my wallet which included my personal items. so i feel someone used it and purchased the apartment..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing today because I am shocked on how poor attention and lack of investigation XXXX, XXXX, and Equifax has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below inaccuracies : XXXX XXXX XXXX account number XXXX The first error date open XXXX is reporting XX/XX/2021 while XXXX and Equifax is reporting XX/XX/2021. 

The second account status XXXX is reporting closed, Equifax and XXXX is reporting open. 

The third error payment status XXXX and XXXX is reporting collection/ charged off while Equifax is reporting late 120 days. 


The last error credit limit XXXX and XXXX is reporting {XXXX} and Equifax is reporting {XXXX}. 

I have sent numerous letters to these three credit bureaus and they have failed to show proof that this account was properly verified. This is also a violation of code 15 U.S.C 1681G. There has been numerous inaccuracies with this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXXXXXX XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : - XXXX XXXX Account # : XXXX - XXXX Account # : XXXX - XXXX Account # : XXXX 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 an account without my written instructions.
Product: Credit card or prepaid card

A credit card was opened with my information, that I had no knowledge of. 
I've never used that particular bank before.
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect.

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.

According to 15 USC 1681i ( 5 ) Section States no 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. they are supposed to modify accounts that aren't reporting correctly.

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: Credit card or prepaid card

On XX/XX/2018 I responded to an offer for the American Express Business Platinum Card that required a {$25000.00} spend within 3 months for XXXX Membership Rewards points. I used the card exclusively and appropriately for all my business expenses and received the bonus by the end of XXXX. My balances on the card have been paid in full and are currently XXXX. I currently have XXXX Membership Rewards points in my account. Today I attempted to transfer XXXX XXXX points to a frequent flyer account to purchase a frequent flyer ticket ( On XXXX through the XXXX   program ) as promised as one of the perks of this {$450.00} annual fee card and according to the Cardmember Agreement. I received the following error : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I immediately called the Membership Rewards Customer Service number. Speaking to a supervisor, she reported that although there is no issue with my credit card, they are reviewing my Membership Rewards account for an unknown reason. I have never used my Membership Rewards points for any activity before. They claim this review will take 6 to 8 weeks and until then I can not use my Membership Rewards points for any transfers to frequent flyer programs. Without these points, the travel I need to plan immediately to attend my relative 's funeral will have to be completed in another manner. American Express is in violation of their Cardmember Agreement and based on a quick review of online complaints I can see that a class action lawsuit over this matter may be customers only recourse. In 10 years of using XXXX XXXX XXXX  points I have never experienced such an issue and it is extremely disappointing to receive such treatment as a so-called " Platinum '' member. Clearly, I will not be using their cards again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXXXXXXX/XX/XXXXAccount number XXXX XX/XX/XXXXXXXXXX/XX/XXXXAccount number XXXX XXXX Account number XXXX XX/XX/XXXX account number XXXXXX/XX/XXXXXX/XX/XXXX Account numberXXXXXX/XX/XXXX Account number XXXX XX/XX/XXXX Account number XXXX XXXXXX/XX/XXXXXXXX Account XXXX XXXXXX/XX/XXXXt Account number XXXXXX/XX/XXXX Account number XXXX n accordance with the Fair Credit reporting act XX/XX/XXXXAccount listed above has violated my rights 15 U.S.C 1681 under 602 A States I have a the right to Privacy 15 U.S.C 1681 Section 2 :. It Also states that the consumer reporting agency canal furnace an account without my written instructions.
Product: Credit card

Barclay Card 's website is not allowing me to dispute two transactions. 

I purchased two one way tickets with XXXX using my points, and paid XXXX in cash for taxes for the tickets. I recently cancelled the flights, and was refunded the points but not the cash. I tried to dispute these transactions with Barclays, but their website is physically not allowing me to go through with the dispute. 

I've attached an image of the transactions in question ( XX/XX/XXXX, {$5.00}, XXXX ), and the flight cancellations showing my refund.
Product: Mortgage

XXXX I received mail from Wells Fargo ( WF ) indicating someone ( XXXX XXXX ) was attempting to borrow money ( obtain a mortgage loan using my home address ) from Wells Fargo using my home address as the property being borrowed against XXXX I called Wells Fargo and spoke to ( 2 ) people XXXX and XXXX ; neither of which could assist me. They refused to put me into contact with WF Security and Fraud and informed me that their Mortgage Dept. was closed until Monday I am a current WF customer for 35.5 years. I went on-line and attempted to contact their security department and the only option I was provided was to schedule an in-bank appointment with a personal banker XXXX @ XXXX I met with XXXX XXXX and her supervisor XXXX XXXX. XXXX called the Mortgage Dept., left a message, made copies of the letters I received and I have heard nothing from her since then. They did put a credit alert on our accounts. Case # XXXX o XXXX informed me that an XXXX XXXX XXXX would contact me ; never have heard from this person XXXX I got a Federal Express envelope with WF Loan application and documents. I proceed to call the WF Mortgage Dept. in XXXX attempting to reach the loan person XXXX XXXX, XXXX, # XXXX. I left message on XXXX and XXXX and have heard nothing in return XXXX I called again and spoke with another person XXXX XXXX, who called the incident compromised data ; never heard further from her XXXX called WF spoke with XXXX XXXX ( WF Mortgage Dept. ) @ XXXX # XXXX, who took a report, case # XXXX and I have since emailed him and he told me he has nothing to report XXXX called Corporate Exec Offices, I called XXXX XXXX, WF : XXXX, who told me to call Mortgage Dept., no return call from Mortgage Dept. 
XXXX called Corporate Exec Offices spoke with XXXX ( refused to give me her last name ) at WF XXXX, she took information and I heard nothing in return XXXX call XXXX XXXX again, XXXXX and no response
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX with SSN # : XXXX reaching out to request for you to look at my report and remove the inaccurate information that are damaging my credit. i am planning to apply for a loan and these errors are hindering me.
Product: Credit card

I am responding to ally credit cards response dated XXXX  Back in XXXX i did make a couple of purchases from XXXX and use my ally credit card to make the purchase. After that my account was hacked and closed by XXXX which i sent that over showing to you. XXXX had given me credits for the merchandise that i purchased. When i got my statement there were other charges that i did not recoganize and i reached out to XXXX they infestaged closed my account out cause it was hacked. I have called ally severall times to report this and each time time the ignorant people i spoke to keep giving me dispuites insted of fraud. Listen and listen to me good for the last time i did not make the XXXX charges that are currently on this bill those charges are fraud. There were two sets of charges the other were refunded cause i sent the merchandise back. After that my XXXX account was hacked and these other charges are fraud not mine. Im sick of arguing with the ignorant people at ally credit card. What is wrong with you. I am reoprting this to the attorney general general of the state of ohio and the XXXX I have also spoken with an attorney and will sue you if need be or if you try and report this to my credit buro. Again im telling you these charges are fraud. Remove them from my account i sent documtation from XXXX showing that my account was hacked. This is ridicilous. I had sent the screen shots to show that the charges i made were sent back to XXXX. As proff. The rest of the bill is fraud fix it
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of five inquiries that I did not authorize. They are as follows. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was made on time. I paid the amount due well before the due date. I have attached bank statements and a payment confirmation that show the payment was processed successfully and on time. 
Furthermore, the account was closed by me in XX/XX/XXXX, and there was no balance owed at the time of closing. The late payment report appears to have been a clerical error in the final account closure process. 
No notifications or warnings were provided to me about a potential late payment, and I received no communication regarding any delinquency. This suggests that the report of a late payment is incorrect and should be removed. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX