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

This was a XXXX XXXX credit card account that was opened on XX/XX/XXXX. The account became deliquent on XX/XX/XXXX. The account was closed in XXXX due to financial hardships from the big recession. Midland Funding is incorrectly reporting on all three credit reports that this account was opened in XXXX and is currently deliquent. This account was charged off by XXXX XXXX XXXX  in XXXX. I have never made payments to Midland Funding. Per the Fair Credit Reporting Act, this account should not be on my credit reports as it has multiple inaccuracies. I contacted Midland Funding and their position was that I was not deliquent until XX/XX/XXXX which is impossible if the account was closed in XXXX. My position was that if XXXX XXXX XXXX  gave them incorrect data it is still wrong info that should not be passed on to my credit reports a second time.
Product: Mortgage

I am a XXXX NMLS # XXXX - XXXX XXXX - I have been working with XXXX XXXX to secure a reverse mortgage for him. He has a Georgia XXXX XXXX loan that is a year old. There was not enough money to pay it off - so in XXXX I asked them if they would subordinate - they said they would. I proceeded to have XXXX XXXX pay for an appraisal & we are moving to close the loan & now they are saying they will not subordinate. That is not ethical - I need your help.
Product: Student loan

I was told I had defaulted on my private loan with navient and I was in discussion with the loan recovery department. I spoke with a XXXX XXXX XXXX several times, in which I still have voice mails from, and she informed me that the only option I had was to pay a {$1000.00} down payment. Once that was paid I would be able to enter a repayment plan for either {$50.00} or {$100.00} each month. I proceeded to pay on the {$1000.00} payment and I was informed I could start my {$100.00} payments beginning in XX/XX/XXXX. Once XX/XX/XXXX came, I could n't no longer get in contact with XXXX XXXX XXXX and they said she had left the company. Now I was in talks with a gentleman named XXXX, whom said I could still begin my payments. So we setup the automatic drafts from my checking account. Now, on several occasions he continually told me my payments were being returned from my bank but my bank was telling me that there were no signs of the payments coming through. I would inform navient of that and at that point navient would send the payment again and it would be approved by my bank. Well my last payment was shown approved on my navient account but navient said it was sent back and my account is being sent to a collection agency now. I honestly feel my payments were tampered with on purpose and I never received the opportunity to properly start my repayment plan. I understand that the loan was in default but I honestly was trying to repay in the best possible way I could. I have my payment records which show I was starting to make regular payments and I stayed in contact with navient but it never seemed like they were interested in helping. I honestly want my loan to be brought of default status or at least be allowed to make the payment arrangements. If you all can help in anyway, I will greatly appreciate it. Thanks
Product: Debt collection

I looked on my credit and saw this I have disputed this many times and asked them to prove this debt I have never had an account with XXXX or never have even opened an account with XXXX I asked them to remove this from my credit and they still have not done so nor have they proved this debt belongs to me DELETE THIS FROM MY CREDIT OR IM GOING TO GET A LAWYER AND SUE THEM FOR THIS NOT ONLY FOR PUTTING THIS ON MY CREDIT BUT FOR ALL THE TIME AND THAT I HAVE PUT INTO ITALOMG WITH PAIN AND SUFFERING AND HIGHER INTREST RATES DUE TO THIS ON MY CREDIT PLEASE DELETE IT
Product: Student loan

At my request, I recently received for the first time a copy of the Promissory Note for this student loan. In XXXX  XXXX XXXX never sent me the Promissory Note for this student loan to sign as a cosigner.Therefore, I never agreed to the written terms of this contract.
Product: Credit card or prepaid card

Chase Fraud Dept notified via text that potential fraud on my Amazon Visa XXXX XXXX  I went online to check my XXXX Chase credit card accts and found that there had been a charge from XXXX XXXX for {$1500.00}. I called Chase Fraud Dept and told them that this charge was not one that I had made, I usually don't shop at XXXX XXXX The customer service person closed my credit card and opened a new one up for me but moved the amount over to my new card which they say I am still to pay payments until they can prove this was not me. 

I contacted XXXX XXXX XXXXXXXX XXXX  and was able to get a copy of the recall receipt which does not have any information about what was purchased but, I did find out that it was 2 @ XXXX XXXX. I have no idea what XXXX XXXX are? 

The person that purchased these XXXX  used a ( XXXX ) # # # - XXXX phone number which my area code is XXXX XXXX XXXX. They used an E-mail acct of XXXXr @ XXXX XXXX XXXX XXXX is XXXX. 

XXXX XXXX said that they did a 'carry-out ' and there is no identification used to pick this up. 

The Address for XXXX XXXX  : XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX ) XXXX The XXXX XXXX XXXX XXXX XXXX is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUBMITTED A REQUEST FOR ALL OF THE CREDIT REPORTING AGENCIES TO UPDATE MY CREDIT REPORT INVOLVING THE LOANS THAT I HAD WITH XXXX AND AN AUTO LOAN THAT I HAD WITH XXXX. ALL OF THESE LOANS WERE CONSOLIDATED AND SHOULD HAVE BEEN CLOSED AND XXXX SHOULD HAVE BEEN CLOSED AS THE CREDITOR CLOSED THE ACCOUNT AND SENT ME THE TITLE. I FILED A COMPLAINT ON XXXX AND WAS ADVISED THAT ALL OF THE CREDIT REPORTING AGENCIES HAD BEEN ADVISED AND REQUESTED TO UPDATE THE INFO AS OF XX/XX/2016. I REVIEWED MY CREDIT REPORT AND AM STILL SHOWING AT LEAST 8 OF THESE ACCOUNTS STILL REPORTING AND OPEN. THIS IS MY FINAL REQUEST AS ALL OF THE ACCOUNTS WITH XXXX HAVE BEEN CONSOLIDATED THROUGH XXXX. THIS IS AFFECTING MY CREDIT SCORE AND I WAS ADVISED WHEN I CALLED THAT THIS HAD BEEN DONE. I AM BEYOND AGITATED WITH XXXX AS WELL AS EXPERIAN. THERE ARE INQUIRIES THAT I HAVE NOT DONE AND THE ONLY THING THAT SHOULD BE ON ALL OF MY CREDIT REPORTS SHOULD BE XXXX AND XXXX XXXX INQUIRIES. EVERYTHING THAT SHOULD HAVE BEEN DONE HAS NOT BEEN DONE AND IS STILL NOT DONE. I HAVE FILED A POLICE REPORT AND HAD BEEN A VICTIM OF IDENTITY THEFT. I RECEIVED A REPORT FROM XXXX AND IT IS STILL SHOWING THESE ACCOUNTS OPEN WITH BALANCES. THIS IS AFFECTING ME TREMENDOUSLY AND IS CAUSING ALOT OF ANGUISH IN MY LIFE. ALL OF THESE CREDIT REPORTING AGENCIES SHOULD UPDATE THE INQUIRIES, ACCOUNT INFO, ETC. I HAVE SUBMITTED THESE REQUESTS SEVERAL TIMES AND HAVE EVEN CONTACTED XXXX, ATTEMPTED TO CONTACTED EXPERIAN AND XXXX ( HAD THE ISSUE PARTIALLY RESOLVED )
Product: Credit reporting

I have contacted Experian and told them to remove an erroneous address that I have never lived at and it has not been removed. They stated that a collector reported it. However, I do not know of a that collector. I do know that this address is not mine. All the other XXXX credit bureaus changed it and deleted that address to match the address where I have been living at for 25 years or more. But, they chose not to and I feel like it is in violation of my constitutional rights and the FCRA. 

They need to remove XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX and/or XXXX XXXX XXXX, XXXX, GA, XXXX I XXXX the # XXXX address and it does not even exist.
Product: Credit card or prepaid card

Its almost been a year since I first contact Citizens bank to look into this issue. Weeks ago I repeated the process. From the time of the complain until now my girl friend has XXXX  her XXXX  XXXX in the hospital. Despite all these happening Citizens bank has taken no action. I want to plead that Citizens bank should take action on working with me as a victim of a fraud scenario.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to follow up to take immediate action to eliminate the fraudulent data from my credit report. This misinformation, originating from fraudulent activity, should have already been removed, yet it persists. 
As outlined under FCRA Section XXXX, you are legally required to remove any erroneous entries from my credit report. Despite having already provided the necessary supporting documentation, I am resubmitting these documents for your review. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX '' XXXXXXXX XXXX  XXXX Balance : {$8300.00} XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$4200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted you in XXXX as well as in XX/XX/XXXX about erroneous and inaccurate information on my credit report. I've asked that you thoroughly investigate and provide me with the method of your verification, yet you refuse. 

I do not recognize these creditors or the amounts they say I owe. Since you are reporting this information, per FCRA you should be able to tangibly verify that what you're reporting is accurate. Yes? Well I asked for your method of verification per FCRA 611 ( a ) ( 7 ) for a complete description of all methods used to investigate my dispute I previously sent about " XXXX XXXX XXXX and " XXXX XXXX. 
You did NOT provide me with this information which leads me to believe it was NOT investigated, but responded to by e-Oscar, the grouch. Therefore it should've been deleted There is no information as to what the balance is from or for on my credit report as you can see on my screenshot, so before I pay a company I need PROOF I owe what they say I owe and i do not recall doing business with XXXX XXXX. Therefore I need to see the agreement I signed saying I agree to pay them and for what product/service. 

I asked you to stop reporting XXXX XXXX XXXX. This account is unknown. I asked you to provide me verifiable proof or to delete this unknown unverifiable account. why are the XXXX inaccurate? You ( Experian ) report XX/XX/XXXX XXXX reports XX/XX/XXXX. 

You continued reporting the account without sending me proof that I owe this creditor. And what's worse ... I dont even know who this is! Yet this unverifiable account continues to report different dates last active!! THIS IS A VIOLATION!
Product: Debt collection

Twice, again, in one day. A phone call at XXXX XXXX CST and again at XXXX XXXX Just calls, does not leave a message. This happens at least twice a week.
Product: Credit card or prepaid card

I have had constant issues with dealing with XXXX XXXX. I have 4 accounts with them and the only one they are messing with is the XXXX XXXX XXXX store card. I am on a deferred interest plan with this card, not any of the others. I make my payments on time, or so I thought. I made a payment on the due date on XX/XX/XXXX. They charged me a late fee of {$27.00} and added a {$2.00} minimum interest fee claiming they received the payment on XX/XX/XXXX. I provided a copy of my confirmation email showing the payment was made in the MORNING around XXXXPT for the card, which is well before the cutoff time for the same day payment. After about 6 messages and several calls to the company, they admitted fault and removed one late fee. They refused to removed the interest charges that THEY caused due to their system mess up. I have repeatedly asked them to remove them and they are ignoring my messages. They won't even acknowledge my attempts to contact them. I received ANOTHER late fee on XX/XX/XXXX and another on XX/XX/XXXX. I was under the impression that my account was on automatic payments, since I called into the company in XX/XX/XXXX and the representative with a woman with a husky voice who got my bank account information and said she set up automatic payments for me. She did not. XXXX XXXX did not address my requests for answers but rather just told me " auto payments are not offered for my account. '' I again requested an explanation and demanded that they pull my call since I now don't know what happened and what that women did with my bank account information, which is a huge liability for me. I demand answers and I demand that those late fees and ALL interest fees on the account be removed immediately and fix the problem with their system and their lying reps! They are demanding I pay the late fees and interest first before anything else even looking at my account. The phone representative would not budge at even going over my account until I paid them
Product: Debt collection

I have been paying this debt since XXXX. I was initially informed the amount owed is {$3700.00} and as of today I have paid {$3700.00}. On XX/XX/XXXX, I reached out to everyone I have contact information for to finalize the payments and clear the debt completely. However in each call I was told they are not the individuals I should be speaking with. In my last communication I was then informed the amount I owed is {$3400.00} with is lower than the total amount that I have recorded as payment and also told they only recorded payment in the amount of {$1200.00} since XXXX. 
No one is able to or willing to help or assist m with settling this debt. Since XXXX, the company has received a biweekly payment of {$50.00} directly to the company and they will not speak with me to clear this issue because they say the account is closed. I need help in clearing the matter.
Product: Payday loan, title loan, or personal loan

Today XX/XX/2018, I contacted a third party collection agency to set up a payment plan for a debt in the amount of about {$620.00}. The original creditor is a loan company. I couldn't get an account number but they knew who I was and verified by date of birth from the start of my call. I asked to get the account number and confirmation number and wanted to see it reflects on my credit report. I was put on hold. I was given their payment options but it wasn't favorable. I made my own terms but still given their option and asked would I be penalized for just paying what I can instead of making payments according to their plan. I couldn't get a direct answer. I was put on hold and then disconnected. I never received an account number or anything just amount and two settle plans I didn't want. I just wanted to pay on the account and receive verification and information about the account. Please help if you can. I need this debt cleared.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 consumer reporting agency can not furnish a account without my written instructions. 15 U.S. C. 1666 B : 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: Credit reporting, credit repair services, or other personal consumer reports

I'm soon to be in the market to purchase a new vehicle. I started preparing by checking my credit report to know what my credit score was. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. I've contacted the FTC, the police and I'm doing this on my own behalf. Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX. Inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I have fraudulent accounts reporting on my consumer report. I did not authorize these accounts. On XX/XX/2023, I have sent my FTC report, License to Experian, XXXX, XXXX. I will take legal action by filing a civil suit for reporting fraudulent information on my consumer report if these accounts are not removed.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute twice with Experian on a Department of Education collections account that I insisted was out of date/inaccurate/ or possibly fraudulent based on my multiple calls with DOE and my loan servicer XXXX  , who said no such collections account existed under my SSN and that the loan in question had been canceled in 2007, and was unequivocally not in collections now. Experian quickly " investigated '' my 14-year old canceled loan and closed both my disputes within 24 hours by saying that DOE verified the information about it being in collections, that all was correct, and then they ( Experian ) updated my 14 year old loan to a brand new " in collections '' status with some horrible derogatory remarks added and plunged my credit score by 40 points overnight. I immediately called the DOE myself to demand how on earth they could have confirmed non-existent information to Experian, when they ( DOE ) themselves said multiple times the collection account doesn't exist. They had no idea and were just as confused as I was. They had me open a case with the DOE Ombudsman, which is still ongoing. Nobody had any idea what I was talking about in regards to this Experian decision ... I just did NOT exist as a collection/default account. There was nothing DOE could do for me. I suspected fraud for a while. At least ten more increasingly desperate and emotional calls from me to Experian finally unearthed the answer : the collections account being reported in my name was under the wrong social security number. That's why nobody at DOE could find it. Experian had never bothered to check that the SSN they had on file for me matched the one the collections agency was reporting it! All they did was just re-report the wrong data from the creditor and destroy my credit. They verified nothing that they had promised to investigate. I have re-opened the dispute, although they say it is now up to DOE to fix their reporting and " stop sending them bad info. '' I am incredulous that Experian weilded their considerable power to destroy my credit by missing such an obvious and basic error like an incorrect social security number on a reporting account from a creditor. I have all the proof I need to fix this, but I wish I could go back in time ... if I had never disputed the bad info, I would still have those extra 40 points on my score. I would have just let the bad data stay on instead of going through this XXXX. How is this fair credit reporting?
Product: Debt collection

Wells Fargo false accused me of owing a debt I did not owe! I HAD A SECURE card in 2016 the account was closed & Wells Fargo report wrong and inaccurate information on my credit report which lead me to pay a debt I did not owe!!! I have attached documents to prove I did not owe a debt when the account was closed!!! I demand Wells Fargo & the collection agency & credit bureau send me proof of the debt!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  improperly reported the following latesXX/XX/XXXX 60 Day Late, XX/XX/XXXX 60 Day Late, XX/XX/XXXX 60 Day Late, XX/XX/XXXX120 Day Late, XX/XX/XXXX 120 Day Late, XX/XX/XXXX 120 Day Late, XX/XX/XXXX120 Day Late, XX/XX/XXXX120 Day Late. Needs to reflect on time payments
Product: Debt collection

XXXX XXXX XXXX has not provided any information to verify this account belongs to me.
Product: Credit reporting or other personal consumer reports

I seek your assistance in addressing the inaccurate account listed on my credit report. This issue has been raised because the erroneous information is harming my reputation, and I urgently need your help to rectify it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained 36 times to XXXX. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX and Equifax more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now and can't get approved for nothing cause of the damages of character of my name