23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I called Navient for help with not being able to pay my loan. They offered a forbearance. I took that option thinking things were fine. Navient reported me to the credit agencies which dropped my credit very low. I only found out that they did n't put my account into forbearance after I received a credit rating hit.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting fraudulent activity on my consumer report. I will attach a copy please remove this accounts that I'm not aware of. I don't recognize this business nor have I made any contract with them. 
XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : 1. XXXX XXXX XXXX Balance Owed : {$2300.00} 2. XXXX XXXX XXXX Balance Owed : {$10000.00} 3. XXXX XXXX XXXX Balance Owed : {$5500.00} 4. XXXX XXXX XXXX Balance Owed : {$3200.00} 5. XXXX XXXX XXXX Balance Owed : {$5500.00} 6. XXXX XXXX XXXX Balance Owed : {$10000.00} 7. XXXX XXXX XXXX Balance Owed : {$4700.00} 8. XXXX XXXX XXXX Balance Owed : {$4600.00} 9. XXXX XXXX XXXX Balance Owed : {$10000.00} 10. XXXX XXXX XXXX Balance Owed : {$1700.00} 11. XXXX XXXX XXXX Balance Owed : {$4900.00} 12. XXXX XXXX XXXX Balance Owed : {$5700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation.. They have provided information while knowing or having reasonable cause to believe that the information was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint
Product: Credit reporting or other personal consumer reports

Account numbers dont match across all three bureaus. All information being reported needs to be updated and accurate. Shows i have a 90 day late payment and I was never late. No 30 or 60 day late payment shown just a 90 day so thats not accurate. I cant be up to date the month prior and then all of a sudden Im 90 days late. This account needs to be corrected, updated, or deleted. A lot of information went without being reported, yet account shows its last reporting date as of XX/XX/year>. All this information is being reported on my credit reports and I have this information through myfico.com. My student loan site is not reporting any late payments but my credit report is.
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : Current Address and Name : My full name is : XXXX XXXX My correct date of birth:XXXX My correct Social Security number:XXXX  My correct address is:XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer report is reporting inaccurate information. I have reached out to each of the credit bureaus.
Product: Credit reporting or other personal consumer reports

This account must be deleted. The status of this account has several misleading information by XXXX XXXX and 2 Credit bureaus. As you can see by my attached credit reports and highlighted issues.

This information is NOT CORRECT & NOT ACCURATE.

Therefore it must be DELETED IMMEDIATELY This is a clear violation of the FCRA as this is not accurate or complete. I am writing to formally dispute the account listed by XXXX XXXX and 2 credit bureaus. I have reviewed my records after receiving an updated report from XXXX. I never received anything from Equifax. Problem with the company 's investigation into an existing problem not verified correctly. According to the records I the consumer has disputed and has disagreed for some time now and nothing has been done to correct the matter. 
I provided a brief explanation of why I believe the debt is incorrect some reasons include : The amount was paid in full/never a charge off. I own the pink slip.

all three credit bureaus are reporting different information.

payments are showing unknown/never late so how could it be a charge off.

account status derogatory and paid.

The account is beyond the statute of limitations ( 9yrs ) XXXX and Equifax are extending the years.

account closed showing different dates.

last payment made shows different dates.

not showing all the years paid since 2015.

Thank you for your prompt attention to this matter.
Product: Debt collection

Creditor Macys assigned collection company to destroy my credit and collecting a debt that was paid.It appears that Macys added more charges of {$540.00} with Collection company and trying to settlement for paid charges of {$350.00}. This debt is old of debt of Macys from around XX/XX/XXXX and Collection company has falsely updated to XX/XX/XXXX. I should n't have to pay for a debt that has been paid in full with Macys. Why Macys sending me to collection and destroying my credit. The collection is showing on my credit report with XXXX, XXXX, XXXX and I can not obtain any credit to purchase a home or support my daughters education. I am Divorce with limited income as my employer downsize my daily hours and now my monthly salary is at {$1200.00} a month Notice : XXXX XXXX XXXX Reference number # XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Creditor Macys-Department Stores National Bank Macys Account last four # XXXX
Product: Credit reporting or other personal consumer reports

This morning, I discovered that incorrect accounts have appeared on my credit report, and I have no idea how they got there. I routinely check my credit report, but this time I noticed unexpected discrepancies. I even tried refreshing my browser, thinking it might be a technical glitch, but the inaccurate accounts remained. Due to this issue, I kindly request that the documents I submitted be reviewed carefully, so I can have peace of mind moving forward.
Product: Debt collection

I disputed this account awhile ago but still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally
Product: Credit reporting or other personal consumer reports

XXXX  XXXX Account # XXXX {$500.00} Opened XX/XX/year> Closed XX/XX/year> {$500.00}
Product: Credit card or prepaid card

I cant get ahold of anyone through their customer service number
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXX from XXXX XXXX on XX/XX/XXXX. The XXXX was thru Citizens Bank. Loan was for {$44000.00} ( we paid {$5000.00} cash ). The first payment was due on XX/XX/XXXX. I decided to get financing with my local credit union as they offered lowered rates. XXXX XXXX XXXX XXXX sent Citizens Bank {$44000.00} on XX/XX/XXXX. 
ON XX/XX/XXXX, XXXX said they couldn't close the account as there was an balance that needed to be paid. I tried calling their Customer Service XXXX and at the time, the wait on hold was XXXX hours. I never got to speak with anyone. I kept getting disconnected after entering my credentials. I had tried to call in XXXX, XXXX, XXXX and the same thing happened... ridiculously long wait time and phone would disconnect. However, on XX/XX/XXXX, I was able to speak to a customer service person. I told her that I think XXXX charged me with a monthly payment and shouldn't have, since first payment wasn't due til XX/XX/XXXX and the payoff was received on XX/XX/XXXX. She waived the late fee of {$8.00} but that was all she could do. I asked to talk to a XXXX and she said the " XXXX could not help me ''. She said she would notate my file. 
I kept getting bills. I was able to " connect '' with " XXXX '' on XX/XX/XXXX @ XXXX eastern time, and he said he doesn't handle collection accounts and transferred me and got disconnected. I tried calling again, and again, and again, and never got thru. The call kept getting disconnected after entering credentials. 
I live in Maine and there are no branches located in Maine. I tried calling a branch in XXXXXXXX XXXX and someone took my info and said they would try to find someone I can speak to. I still have yet to get a call. 
This is now being reported on my credit report and is not accurate. This isn't money I owe. And I can't get in touch with anyone at Citizens to talk about this. They also added back the late fee in the monthly billing they send me but the amount of {$160.00} is being reported on my credit report.
Product: Prepaid card

We received a Vanilla Card for a birthday gift in XX/XX/XXXX XXXX. The value of the card was {$50.00}. This card balance was {$0.00} when I used for the first time on XX/XX/XXXX. I emailed them on XX/XX/XXXX copy of the front and back of the gift card, legible photo of the receipt, as their online website details to contact them when you have an issue with a card with no funds. I received an email stating the following : Your documents have been received. Please allow up to 24 business hours for documents to be processed to your ticket. In most cases, you will hear back from us within 3-5 business days after the required documents are received. However, it can take up to 30 days. If you need updates on your ticket, please reach out to the XXXX number on your card or visit our website. This inbox is not monitored for inquires. 

I never received any type of call back, no correspondence, nothing. However, I still waited to hear back in case, there was any type of delay due to the holidays. I called their XXXX number on XX/XX/XXXX and I was told that my case was escalated and they issued me a case number. I told them my scenario of trying to use a card which had a {$0.00} balance. It was opened for the first time in the restaurant. I waited and waited to hear from a supervisor and no one called me. 
I called again on XX/XX/XXXX. Again, I spoke to a supervisor named XXXX and complained again for the same thing. I told them I had emailed them everything they needed and yet I still have not received my replacement card in the mail like I was promised two months back. I was told to wait to hear back. 
I called again on XX/XX/XXXX and spoke to XXXX. She stated she will accelerate my case and will send a card after talking to investigation team. I was promised the same with this phone call as with all the others and I was extremely upset. 
Again, after couple months later, I decided to try again to see what the hold up was since I never received any correspondence nor any phone calls to receive any type of resolution to my issue. I called again on XX/XX/XXXX. I was issued another complain log #. I was asked for my date of birth and my address again. They should have had all this information, yet I was asked again. I refused to give any more information as this should be documented with the many times I had called. She did not offer me any resolution except I could speak with the XXXX and again I would have to wait 24-48 hours to receive a phone call. I explained that I never receive a phone call and she went on to say that it could be due to a wrong number documented. At this time, I am again furious and frustrated that this is a scam. 
I have decided to make a formal complaint to receive the funds from this gift card. 
I am attaching the receipt used for the purchased in XXXX and the cover that the card was given to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are showing my XXXX  XXXX XXXX  card beginning in XXXX as being closed and it is not closed. This account has never been closed.
Product: Credit card or prepaid card

After a minor audit we identified unknown fraudulent charges and reported it to my credit card as soon as possible. This was first reported on XX/XX/21. Ever since my first reporting this I have attempted to speak to someone again multiple times, at least 4-5 times and I am never able to get someone that can answer any questions. I get transferred from representative to representative and put on hold for hours at a time. Honestly, HOURS!! 
We are now looking at more than 4months almost 5months since first filed. I did recv a letter from them once to call them and when I tried, there is no one that has anything that can help and they just keep me on hold. As of today, I have not had any further communication regarding my claim. 
I truly think they expect me to just give up and forget this since I'm XXXX  But this is my credit card and they are suppose to protect and help me. That's a joke. 
I had fraudulent charges on my account and I want to be supported. If I don't hear back from this claim I will make sure everyone I know has knowledge of my experience and I will tell them not to work with XXXX because they don't support their clients, they seem to hide behind the hold music. Especially the elderly, its unacceptable. I cant keep holding for hours and not get anyone that can help me. So disrespectful!.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a auto loan from XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX or XX/XX/XXXXXXXX XXXX sent for my car to be repossessed. I was forced to pay over {$300.00} to get my car back. Upon investigation of their claim of a past due amount, XXXX XXXX admitted that the REPOSSESSION was an error, and my account would be credited for the repossession/ storage fees. I paid the loan off in XX/XX/XXXX. The lender claimed I still owed money in XX/XX/XXXX, so I requested a detailed statement of account payments. The information provided was not clear and only confused matters. So I added all payment amounts posted by XXXX XXXX and it showed I was all paid up but they still refuse to release my title to car.

In XX/XX/XXXX, XXXX XXXX sent a repossession company to my house to extort me for a payment or they was going have them take the car. They also reported to the major credit reporting agencies false information, claiming account is closed even though there is a clear dispute with regards to amounts left on record as owed. XXXX XXXX still have not released the title to my car and they continue to have negative remarks on my credit reports preventing me from getting future loans and better rates or services.
Product: Checking or savings account

They have been charging me for months fees on my business checking account refuse to reimburse me back my money
Product: Credit reporting, credit repair services, or other personal consumer reports

HAVING A PROBLEM WITH EXPERIAN AND XXXX REMOVING ACCOUNTS THAT I HAVE FURNISHED INFORMATION THAT SHOWS THAT THESE ARE NOT MY ACCOUNT
Product: Credit reporting or other personal consumer reports

I filed a dispute on : Account number XXXX with XXXX XXXX XXXX. Amount- {$3300.00}. 
Account number XXXX with XXXX XXXX XXXX. Amount- {$810.00}. 
Account number # # # # # # XXXX with XXXX XXXX XXXX XXXX {$4500.00}. 
Due to not authorizing this debt to a third party. XXXX, XXXX, and XXXX refused to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( XXXX ). They alleged the company accepted unreliable information and failed to inform consumers of the results of the dispute. This aligns well with my situation. XXXX has not attempted to remove, nor correct any information. Im requesting this derogatory remark be removed immediately as its affecting my chances of getting a car. XXXX violates my rights as a consumer, as well as federal laws.
Product: Debt collection

XXXX accounts : XXXX XXXX, Original Account Number : XXXX with Receipt # : XXXX and XXXX : XXXX Original Account Number : XXXX, Receipt # : XXXX. This company is refusing to close and update these accounts when payment was made on XX/XX/year>. Made multiple calls but they give nothing but excuses. Either you refund my money or close the paid accounts.
Product: Debt collection

On XX/XX/XXXX XXXX, I the consumer sent out a letter via USPS certified mail with tracking to TRANSUNION LLC, the letter was titled AFFIDAVIT OF TRUTH, NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM. TRANSUNION LLC was in receipt of the letter per certified mail tracking on XX/XX/XXXX, XXXX. I, consumer, was in receipt of a response sent from TRANSUNION LLC on XX/XX/XXXX XXXX  The letter that consumer XXXX XXXX XXXX has was a letter stating that TRANSUNION LLC investigated the information I disputed and updated the report. There were two accounts that consumer requested within the AFFIDAVIT OF TRUTH demanding that TRANSUNION LLC Under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), TRANSUNION LLC is required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract for any and all accounts TRANSUNION LLC posts on a consumer 's credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent consumer account information to verify. I demanded to see Verifiable Proof of the original instrument of indebtedness ( an original Consumer Contract with my WET INK Signature on contract ) that XXXX has on file of the account ( s ) listed below and this request is not asking for a PHOTOCOPY OF A STATEMENT OF ALLEGED ACCOUNT ( S ) or a PHOTOCOPY of the alleged debt contract but the ORIGINAL with XXXX XXXX XXXX wet ink signature. I was not asking for TRANSUNION LLC to verify the account by simply sending me an updated report with the same information that has been reporting on consumer 's report. TRANSUNION LLCs failure to positively verify these accounts correctly under the FCRA, unverified accounts must be removed/deleted and if TRANSUNION LLC is unable to provide me a copy of verifiable proof, TRANSUNION LLC must remove/delete the accounts XXXX XXXX  and XXXX XXXX
Product: Debt collection

I called Lvnv Funding LLC today in regards to a debt for XXXX $ that is reporting to my credit. I spoke to 2 people the first person offered to take my payment in full but stated that they do n't actually service my account. When I asked who does they gave me multiple names of company. I was informed that this debt was a purchased debt that they have had since 2015. I stated that due to lack of communication from the company that I would like to have this deleted from my credit and asked how that can be done. This rep was unable to tell me if any letters were mailed to me and that they wait for the consumer to contact them before they send out notice of collection agency placement. I advised that I felt like this was a violation as I was never given a 30 day opportunity to dispute. He placed me on hold and had me speak to XXXX XXXX, senior customer service manager. I asked her to provide me with a date in which communication was attempted and she stated that I needed to put that request in writing and that they would send me a letter. ( to me this would mean that they will then attempt communication ) She told me that the original creditor would have notified us that it was placed, and denied responsibility of the collection agency to do so. She then gave me the name of a different account servicer and said that they had placed my account with multiple servicers. She confirmed that she could see my account history and but still would not provide me with dates in which communication was attempted. I then requested to speak to her higher up and she kept saying that would be unnecessary, then said she was on lunch that she would take a message for her despite the fact that the supervisor ( XXXX XXXX ) has a voicemail. They also claimed that this debt was purchased directly from the original creditor however according to her they obtained it more than 2 yrs after it was charged off. When I started questioning how they purchased it directly from the creditor if there is such a large gap in time, she then stated it was probably with a different collection agency. To me this means that she is providing false information as well to make it sound more credible. And she said that she works for resergent?? How many company 's are truly attempting to collect my debt??
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed two accounts that was not reporting accurately. I had one late payment on two of my accounts that I was in fact paid on time. The consumer reporting agencies have and need to report all information with complete accuracy.these account has not been late on payments.Ive attached a copy of my credit report to this complaint on the following dates XX/XX/2023 and XXXX XXXX.Im now requesting you to investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified. I demand these payments to be updated as paid on time immediately. Thank you for your understanding and prompt action
Product: Credit card or prepaid card

I just want to destroy the card and cancel the money. I DIDN'T file for benefits. I'm NOT unemployed & someone tried to steal my identity.
Product: Credit reporting or other personal consumer reports

I have submitted several disputes and they come back verified and I did not submit applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score went from the low XXXX 's to XXXX for now apparent reason. I tried to call all three agency and got a complete run around they tried to sell me their credit reports and wouldnt tell me why my credit dropped I told XXXX I asked them about the free credit report because of the covid situation. before they agreed to sent me one Equifax and XXXX gave me a total run around.
Product: Debt collection

I 'm one month behind on my Jarred Jewler bill and they call every two hours. I get as many as 7 calls day. I ca n't answer the phone all the time and I already told them I 'll pay my monthly when I get paid on Friday.
Product: Debt collection

I'm unaware of this debt!! 
Credit Collection Services {$200.00} I didn't have the opportunity to dispute this debts. I never received proper notification!! If in fact you believe you gave me proper notification please provide the certified mail receipt with my name and signature. Look foward to hearing from someone soon. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX has the account listed as unpaid with a balance of XXXX but it is paid XXXXXXXX XXXX XXXXXXXX XXXX is a fraudulent account that I have no knowledge of XXXX XXXX XXXX XXXXXXXX is a fraudulent account that I did not authorize and it is unverifiable XXXX XXXXXXXX is also a fraudulent account please delete as such
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding Key Bank who I have mortgage with since XX/XX/XXXX, and I have made all the payments on time since XX/XX/XXXX and not even a single payment was missing or delayed. 
I filed bankruptcy in XX/XX/XXXX for misc credit cards which was discharged and my mortgage account was not part of my bankruptcy. But as I checked my credit reports from all three credit reporting agencies they are showing my mortgage account was also included in bankruptcy. Which is completely false and erroneous information and my mortgage payments are not reported at all which is being made on time for past 13 years. I called them numerous times and they are not properly handling my case and giving me run around. I am completely exhausted at this point and seeking your help.