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

XXXX XXXX XXXX XXXX is reporting two accounts as Paid in Settlement written off to Experian. 
This is incorrect and I have disputed this with all three bureaus and XXXX XXXX. Experian is incorrectly reporting these two accounts. 
The accounts were paid in full on XXXX/XXXX/XXXX 
The Experian report shows late payments for XX/XX/2022 and XX/XX/2022. The accounts were paid in full XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I filed disputes re false information on 4 accounts which resulted in sub par credit which has disqualified me from over 85 housing options and explained the urgency of situation since will be homeless as of XXXX. The creditors- XXXX XXXX XXXX , XXXX XXXX, and XXXX XXXX has sent documents and followed up in every way possible. I have done the same. No updates have been added to reports. 
My experience with Experian has been even worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have an a.k.a listed on my report that I am not known as. XXXX XXXX, this name needs to be removed. I am only known as XXXX XXXX or XXXX XXXX. XXXX is my maiden name. 

They have two inaccurate addresses listed on my consumer report that should not be on there, and that I requested be removed : XXXX XXXX XXXX XXXX, TN XXXX and XXXX XXXX XXXX XXXX, TN XXXX. I haven't lived in those addresses nor have I been associated with them. 

This inaccurate needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA has continued to report a closed auto account on both my XXXX and XXXX credit reports. The account was charged off as of XX/XX/XXXX and report a charged off account until XXXX of XXXX. This is misinformation and re-aged my account which has negatively impacted my credit score. Santander Consumer USA not only has continued to reage my account they are not reporting the same original charge off account across all three of my credit reports. Santander Consumer USA is reporting a charge off as of XX/XX/XXXX and not monthly on my XXXX report. I have filed mulptole disputes regarding this matter however no action has been taken. This is illegal act and has detrimental to my credit score. Both the original creditor or a debt collector can not re-age a negative account. No matter how many times a delinquent account is transferred or sold from one debt collector to another, the date of first delinquency should not change.

Also, my payment history between my credit reports do not match. I have brought to this to the credit bureaus attention multiple times and no action has been taken.
Product: Credit reporting or other personal consumer reports

Multiple Inquiries were found on my credit report. i tried gettimg in comtact with credit bureaus to dispute but they have refused. THEY ALL WERE FRAUD. IT WASNT ME. MULTIPLE INQUIRES SUCH AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Continued phone calls about missed payments before the due date and letters being sent to only one of my co-signers about missing payment for {$67.00}. My co-signer receives this letter almost monthly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX  account # s XXXX, XXXX. In those 2 months I have asked numerous times for a response and I have not received anything in response from these bureaus in over 30 days for request of a complete investigation. 
So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this bureau about these three unverified collection accounts as of today. 

Thank you!
Product: Mortgage

First, thank you for your assistance. 
Last fall we were victims of the two hurricanes that struck the XXXX and sustained substantial damage to our home, requiring us to relocate for seven months. At the onset of this disaster I contacted my mortgage company to discuss financial options. I was told that due to the calamity that we could be placed in a forbearance to allow additional resources to be committed to our recovery. I was also assured that the payments that would be deferred would not simply become due all at the end of the forbearance, as I specifically asked the question during this discussion. Had I been told that modifying the loan to add deferred payments to the end of the agreement was only an option and or that it was possible that I may have to pay all deferred payments back as a lump sum, I would have declined this offer in lieu of continuation of my monthly mortgage. Subsequently at the end of the forbearance period I resumed my monthly payments and have not missed any. I submitted an application for modification of my mortgage agreement and have had to submit multiple documents for this package to be termed complete. Several time I had been told it was completed only to then get another request for more information. I am still awaiting the determination of the application and now have been placed in a foreclosure status with the deferred payments being referred to as delinquent. I vehemently disagree with this terminology and foreclosure status as I have not MISSED any mortgage payments! I have been called by my personal lawyer stating that he has noticed a listing of my house being in foreclosure status in the public record. So now, not only is this inaccurate description of my account distasteful but publicly disgraceful. The effects on my credit are an issue of concern as well! All of this is compounded by the unavailability of anyone in the supervisory role of my account to even discuss this issue, despite my requests to speak to such party. I have followed all of the instructions that I have been given in the aftermath of what should have been the disaster, this financial wake is proving to be even more burdensome than the storms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX ; XXXX XXXX XXXX, CA XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXXXXXX Original creditor : CITY OF XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX Original creditor : CITY OF XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX : {$310.00} ; XXXX XXXX XXXXXXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00} ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX CARD Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX CREDIT XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX - XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Payday loan

I contacted Check-n-go to extend my payment out to an additional week because I would n't have the money to pay my monthly payment on the scheduled day. The first person I spoke to was a male who assured me that he can extend my due date for another week. This was around the XX/XX/XXXX. I received a call from a woman that worked in the same office a few days later claiming that my due date was never changed and that the man that claimed to have changed it, could n't do that without me refinancing so she recommended that if I wanted to change my due date I would have to come in and refinance. So I went in on the XX/XX/XXXX to refinance but could n't because they had to wait for the payment that was already ACH from my account to return as paid or unpaid in order to refinance. She informed me that they could not debit or ACH my account again until they call me first. She also informed me to check back with her on XX/XX/XXXX and everything should be returned and situated by then. I returned on the XX/XX/XXXX only to find that someone had sent the payment back out. They violated their own policy when they sent the payment back out because they were supposed to contact me first and they did n't. They ended up terminating the man that assisted me and I received another overdraft fee but that was n't the real issue. the issue was that they violated their own policy and they made it seem as if it was n't a big issue at all but it was to me because I felt that I was being treated poorly and unfair. At that point I did n't want any part of their business. I am not saying that I should n't pay anything but I should n't have to pay what they expect me to.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXXXXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Senex has been reporting on my credit reports that I owe {$30.00} for a medical account from 2010. I have sent them documentation that the original account holder failed to bill medicaid and showed them the eligibility of medicaid at that time. I have talked to Indiana Medicaid office and they told me what to send them but they still will not remove the debt off my credit report. I have sent them 3 letters asking for removal of account off my credit reports and all they send back is a letter telling me to pay this account when I dont owe them or XXXX XXXX Hospital.
Product: Credit reporting, credit repair services, or other personal consumer reports

In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2020 I received an automated call from TCF Bank warning my account is at risk of, or had already gone dormant. I logged into the the account and saw four dormant account charges for {$10.00} each : XXXX  XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I initiated a transfer from another bank to move money into TCF to remedy this situation. 

Additionally, I called TCF and asked why I am receiving a call about this only now and why not months ago when this first occurred. My phone number hadn't changed in years so there's no issue with that. The phone rep said she couldn't see three of the four charges and therefore couldn't submit a request to refund them. She suggested I visit a branch about it. I visited a TCF branch near my home on XX/XX/XXXX ( Branch address : XXXX XXXX XXXX XXXX, XXXX, MN XXXX ) The teller there couldn't find 3 of the 4 charges either. He showed me the charge from XXXX, and said there were no others. They told me they couldn't refund these, and the likely cause of the other three charges not appearing was due to their merger with Chemical Bank. 

On XX/XX/XXXX, I received another similar automated call despite my account now being " open '' status. I called customer service again at XXXX. She also couldn't find the three of the four charges, and couldn't explain why I'm only getting these calls now. She also told me I should have received a letter about this, but upon checking there was no record of one ever being sent. She told me she couldn't submit a request to refund these since only one is visible, which is understandable from her point of view. But that leaves me with no recourse. She suggested I go back to the branch but that seems pointless considering I had already did this.
Product: Checking or savings account

Addendum to.complaint XXXX I received call from executive cust service office XXXX. She.verified I could.close and.cash.out.my account.on fri.XXXX. We agreed on a bank office but i later realiZed it was 80milea away per XXXX so i called.to change to XXXX mi.office. i called ahead and the manager stated she had.been notified to close the account.but that could not.happen for theee days. Of course XXXX is a bank holiday so 4 more days in addition to the three already.with absolutely no funds. I called XXXX back and she was not available i spoke to a male manager who stated i would not.be able.to close for atleast 3 daya.and would receive a cashier 's check within 10 days.of that.time. i told.him i have no use for.a.casbier check i wanted cash.and i could.not go another 14days.without.funds. i opened this account.with.XXXX cash and.i am leaving with cash. Well nothing.was done i deove.30minutes to the.branch and was transferred to multiple offices and everyone had a.different story. We are getting a foot of snow.i have livestock as.mentioned before. I need to feed them. And I need to fuel.my.truck. this has.caused.me.great hardship. Financial.freedom is an illusion in this.country.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to cosign for my son a car for college and was denied. I applied for a copy of my credit report and there are stuff on there that is not mine. XXXX XXXX/XXXX ( Acct XXXX ), XXXX XXXX, XXXX XXXX XXXX/XXXX, XXXX XXXX, XXXX. Please have these items removed. Also I see where my credit has been ran without my permission : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX. I'm doing this on my own and I have also contacted my local police and FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not correctly reporting the balance on my XXXX XXXX credit card. My balance is XXXX. Also they are not reporting the correct Fico score to my XXXX XXXX bank.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 formally notify you that I am a victim of a data breach and identity theft, which has resulted in the unauthorized accounts being reported under my name. Pursuant to 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following accounts from my credit file : Unauthorized Accounts : XXXX. XXXX  XXXX XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Amount : {$1600.00} XXXX. XXXX XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$660.00} XXXX. XXXX  XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$1900.00} XXXX. XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account ID : XXXX Opened : XX/XX/XXXX Amount : {$200.00}
Product: Payday loan, title loan, or personal loan

My payments are {$180.00} on the XX/XX/XXXX every month this company wont work with me and they want to take a amount of {$370.00} the payment plan was supposed to be {$47.00} they keep changing things I just want to be done
Product: Mortgage

On XX/XX/2023 I paid my XXXX mortgage payment. Standard mortgage incorrectly applied those funds to my escrow account. I reported the error. The company refused to fix the error. XXXX XXXX XXXX, was very disrespectful and racially discriminatory during our meeting ( which I recorded ). On XX/XX/2023 I made an additional payments that exceeded both XXXX and XXXX mortgage payments. I have reached out to the company 2 times to get a clear explanation of how funds have been applied and requested corrections. I was told several times I will receive a call from XXXX ( VP of customer relations ) and XXXX ( collections manager ) neither has called but a late payment had been reported to my credit report. XXXX refused to give me a business card, NMLS  number or identify himself in any way other than to say hes the boss.
Product: Credit reporting or other personal consumer reports

i just checked my credit profile for the first time and i have an account that was never mine and does not belong to me or inquiries my credit was hacked my social was hackedXXXX XXXX XXXX XXXX XXXX XXXXXXXX inquiry XXXX XXXX  XX/XX/year> XXXX DC XX/XX/year> these dont belong to me i need help in assitance my credit has been compromised
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto Finance has illegally reported a total count of twenty-two late payments on my consumer report which is a violation of 15 USC 6802 for reporting transaction history aka nonpublic personal information.
Product: Mortgage

Since we obtained our mortgage in XXXX, we called the Citizens mortgage tax department every time we got a tax bill to confirm that it was going to be paid from our escrow. The tax department confirmed each time and told me repeatedly that all tax bills are paid from our escrow so we do not need to keep calling each time we get a bill. 

In XXXX or XX/XX/XXXX, we received a final notice on a tax bill from our towns tax department which also listed approximately {$500.00} in interest due for failure to pay, in addition to the approx. {$5000.00} tax bill. When I called Citizens, after several calls, they finally confirmed that they did not in fact pay the bill because it was an interim tax bill, which they do not pay from escrow. After numerous calls back and forth, we agreed that Citizens would pay this bill from our escrow account ( which we would then pay ). After several additional calls from me, the bank finally confirmed in XX/XX/XXXX that they paid the bill including interest so we were all set. 

In XX/XX/XXXX, we received a notice of sale flag on our home for failure to pay taxes. I called Citizens and they assured me that they are escalating this issue to see what happened. After several weeks and several more calls ( during which I kept being told that this was escalated ), I called the tax bureau directly and figured out how we could just pay the outstanding balance so we did not lose our home. The amount due of {$160.00} was a result of Citizens not paying the full amount in XX/XX/XXXX despite them confirming with us repeatedly that they had done so. I called Citizens and told them not to pay anything from escrow because we would be paying the tax department directly so we did not lose our home. The next day we received a notice from Citizens that money was taken out of our escrow. After several more callsincluding questions regarding my how money was taken out of our escrow account after we told them specifically not to do so the prior dayCitizens ultimately put the money back in our escrow after 5-10 days. 

Since that happened, we have asked the mortgage/tax department for ( XXXX ) the approx. {$500.00} in interest we incurred from the first interim bill that they told us they would pay from our escrow since they pay all tax bills, but never paid until the partial payment in XX/XX/XXXX ; ( XXXX ) the {$160.00} that we had to pay because they failed to pay the correct amount in XX/XX/XXXX despite confirming that they did so; and ( XXXX ) an explanation of how money was taken out of our escrow account when we explicitly told them not to take money out, and what changes were made to their procedures to make sure that did not happen again. We have not received an answer to any of those questions except that they are not paying for any expenses because this was related to an interim tax bill.