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

I have reached out to the bureaus on XXXX/XXXX/2020 and I haven't received any type of indication/notification of the investigation being worked on. These Accounts is inaccurate and I'm seeking litigation please delete at once. I feel like i'm being taken advantage of at this point. It's been well over 60 days I just want these problems resolved. According to the FCRA these inaccurate unverifiable items must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that the XXXX accounts on my credit report were incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX  : {$260.00} XXXX XXXX XXXXXXXX XXXX : {$420.00} XXXX  XXXX XXXX XXXX : {$360.00} XXXX XXXX XXXX  : {$920.00} XXXX XXXX XXXX  : {$430.00} XXXX XXXX XXXX : {$710.00} XXXX XXXX XXXX  : {$180.00}
Product: Student loan

My name is XXXX I attended XXXX XXXX in XXXX CA. This school has been shut down. I had a private loan through Genesis Lending. I have no Idea how to repay this or if they are in some kind of lawsuit I would like to know the status of this. They no longer have a website or contact number. 

If you can find any info on my account or on the loan company that would be appreciated. 



Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$100.00} XXXX, XXXX XXXX {$3100.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$23000.00} CHAPTER XXXX BANKRPTCY DISMISSED XXXX {$0.00} XXXX   XXXX {$630.00} XXXX AR XXXX {$180.00} XXXX XXXX XXXX {$2700.00} XXXX  XXXX  XXXX {$530.00} XXXX  XXXX   XXXX {$1300.00}
Product: Debt collection

XXXXXXXX XXXX XXXX name is XXXX check into cash. Company trying to collect debt that I did over 8 years ago because recently I tried for a loan at company and they denied me cuz of past loan I had with them that I didnt realize I did. Account was already closed until recently reopened from company
Product: Debt collection

I was looking at credit report. Tempoe llc was on there assuming for something I bought at XXXX XXXX XXXX ago. I am not sure what the original price was. But every time they have called me over the years, I tell them that I paid what I purchased for and then some. 
Then I notice the debt was sold to XXXX XXXX XXXX, I paid over the amount that I was sold the item for.. 
Then as I am researching I notice Tempoe llc was sued and found guilty of falsely identifying what the actual sales were.

I would like this off my credit report if possible. I do not know what the debt was sold, but I do know I over paid for the item.

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is misreporting a balance on a charged off account that was sold to a collection agency named XXXX XXXX. The charged off account is also reporting on my wife 's reports and she was only an authorized user and never responsible for the account. The collection was subsequently paid and XXXX agreed to remove the collection fully from my reports but hasn't yet. I have included a screenshot of the accounts from a joint credit report of mine and my wife 's.
Product: Credit reporting or other personal consumer reports

Blackwell Recovery is not authorized to use my info for any reporting and refused to disclose why they are attached to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unauthorized account on my credit report. XXXX XXXX  XXXX  XXXX This account was never requested and I am not aware of these account can you investigate. Please correct/delete this misleading information, and supply me with a corrected credit report within 30 days. Sincerely, XXXX XXXX
Product: Mortgage

The beginning of the year I applied for a flexible mortgage payment as I was going to be facing a financial hardship due to an unpaid maternity leave in XXXX of XXXX. They offered me a 4 month payment plan at a reduced rate which I was able to pay for the XXXX months of my leave. After that, I was told I would go through the steps of a mortgage loan modification. They told me to make XXXX 's monthly payment before they could process the loan modification, which I did, but the company did not apply the payment to the XXXX payment, so the payment went to unapplied funds. Ever since XXXX, my account has shown XXXX  days late payment because they did not apply it to what the payment was supposed to be going toward. I have had multiple calls with representatives, been told that it is an issue that underwriting needs to take care of to redo the modification with no resolve. This has led to me being unable to do many things financially in the meantime because of the impact this has put on my XXXX XXXX and how it is being reported to the credit bureau.
Product: Credit reporting or other personal consumer reports

I paid a charged off account in full equaling {$160.00} on XX/XX/2023. I disputed it via XXXX and XXXX. I received a reply to my dispute stating I did not pay however I have receipts and if is also verified through online account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX  XXXX XXXX
Product: Debt collection

I am a victim of identity theft. I informed all 3 credit bureaus about accounts being opened in my name in XXXX  until now. I have repeatedly asked the credit bureaus to remove all erroneous accounts such as rental debts, etc and they have refused to do so. Each time I ask them to investigate these alleged accounts my credit will update immediately within minutes saying verified/remains on credit.
Product: Vehicle loan or lease

My account has been paid except during COVID when I got an 1 month extension. They have continued to report my cred late ( ex XXXX payment due on the XXXX paid on the XXXX but they are reporting XXXX late ). I got so tired of requesting my file that includes my monthly payment history along with financial charges they completely refused to send and then removed my pano statement from the on line account then only report XXXX months statements. We have been with this company 2018. I understand we have 10 days after payment due before they apply late charge but the late charge is in excess of {$75.00} and again refused to provide information on it. however they cant report my payment late until I am 30 days late. 
I have copy of every statement ( before they removed them ), I have copy of my back statements to show my payments and a payment letter from ally that shows my payment matching my bank statements. I can not get anywhere and need your help.
Product: Credit reporting or other personal consumer reports

I asked Equifax to update my personal information on my credit report. I sent in a copy of my DL and SS card along with a cover letter stating what I needed done, which was to update my personal information. And to remove the inaccurate information that is reporting. The following what I had asked them to update, my government name, my current address, my current employment and updated phone number and to remove the inaccurate information. My DL and SS card is what they asked me to send in. They then sent me a letter back stating that what I sent in doesn't match their records. That I needed to resend my documents. Of course, my information doesn't match theirs, because it is inaccurate, I told them that in my letter.
Product: Debt collection

The Covid-19 Pandemic, and my subsequent layoff, had me fall behind, but since then, I have regained employment and financial security. I have had a spotless record of on-time payments. The debt has been paid in full. I now can not buy a home based of these missed payments. 

I wrote a letter of goodwill, no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month, I have submitted a dispute letter to the Credit Bureaus addressing the removal of the US BANK account, with account number XXXX. I even tried calling them to make a follow-up on the removal of the said account, and they have advised me to submit all documents to verify my identity and for them to acknowledge that the account was opened without my knowledge. I did follow their advise and submitted the documents needed regardless of enclosing all those documents in my previous letters. They confirmed that the account will be removed but upon checking my credit report today, the same account is still reporting with the same status. Having been doing a lot of follow-ups through letters and calls, I am still not getting the results that I want. Thus, I am seeking again for your assistance to have these 3 Credit Bureaus address my concern effectively. They have neglecting my request intentionally and this is not acceptable. I would love for them to have this account remove immediately.
Product: Prepaid card

I purchased a XXXX XXXX XXXX card from a XXXXXXXX XXXX on XX/XX/year> with a balance of {$500.00}. Within XXXX minutes of purchasing the card, I realized a set of XXXX digits were scratched off from the front of the card. While the card was within XXXX minutes of the merchant activation period, I contacted customer service, which blocked access to funds. The agent told me the case would be resolved in XXXX to XXXX days, if not in XXXX days. I sent them the proof of purchase and pictures from the front and back of the card on XX/XX/year> and requested a refund for the balance and the activation fee of {$500.00} total. According to their website and their agents, the case was set to be resolved by sending the refund check to me by XX/XX/year>, but there has been no action on their side. They have escalated the case twice since then, but it was of no remedy. My case number with them is XXXX.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX Account # XXXX, I never signed a contract with this company. I have filed with the FTC It is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, a XXXX XXXX Account ( XXXX ) that was disputed through Experian and XXXX, was removed from my account after the dispute process. XX/XX/XXXX, the account was added back to my consumer report. 

According to 611 ( a ) ( 5 ) ( B ), if any information that has been deleted from a consumer 's file is put back onto the file, the consumer reporting agency is suppose to notify the consumer of the reinsertion in writing no later than 5 business days later after the reinsertion. I was never notified of the reinsertion. 

I have called and sent letters to resolve this issue, no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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 XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022
Product: Debt collection

Received letter in the mail from Convergent Outsourcing, about a XXXX bill for {$6400.00}. I called them and told them repeatedly that I never used XXXX / XXXX. Told them the same thing on the phone, not my debt! I called XXXX and they have NO account in my name! These people were able to get this on my credit report, even though my credit reports do NOT show a XXXX account. I was suspicious when they offered to settle for 60 % in the first mail I received. What can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

Provided Info for potential employer to perform background check. Employer said my name and SS # did not match up. I attempted to get the reports myself from XXXX but all three companies were unable to fulfill my request with no explanation.
Product: Mortgage

iI 'm trying to refinance my mortgage thru the credit union. We need a letter of mortgage cancelation in order to proceed. My current financial institution, Banco Santander almost deny such letter. 
They charge {$10.00} for it and it can not be pay. They sum it to the mortage. 
I need the letter for the XXXX of XXXX. Banco Santander say that it can not be before the XXXX. 
These is clearly an obstruction for me to refinance.
Product: Credit card

I mistakenly made an early credit card payment in the amount of {$4600.00} to Capital One on XX/XX/2024. The amount that I meant to pay was the last statement balance of {$3300.00}. I called Capital One and asked for a refund of the difference ( total statement Vs. previous statement ) and they said that they are unable to process a refund and that I should contact my bank to try to issue a stop payment. I was unable to issue a stop payment because the payment had immediately processed. Capital One refuses to issue a refund & say there is nothing they can do. The credit card payment is not officially due until XX/XX/2024. This is an honest mistake, should be reversible, and I assume happens all the time. The credit card company is collecting payments early, processing payments instantly, not refunding overpayments, and have XXXX  day review processing times. This is not fair for the consumer because it usually takes XXXX days for a bank account charge to clear and there is no time ( with capital one ) to issue a stop payment to the bank. The credit card company refuses to issue any refund whatsoever and I need that {$1300.00} in my checking account to pay other bills that can not be paid with a credit card. 
.
Product: Credit reporting or other personal consumer reports

My credit report shows multiple accounts that I do not recognize, which I believe may be linked to identity theft or fraud.
Product: Credit reporting or other personal consumer reports

I appreciate the time you've dedicated to REMOVING some of the fraudulent items in my file resulting from an alleged identity theft. However, there are still remaining ITEMS that require removal, as outlined in my FTC Report XXXX XXXXXXXX. This marks my third communication as a victim of identity theft, wherein I dispute the items in my file associated with this crime. The contested items are unrelated to any transactions involving the acquisition of goods, services, or funds that I have initiated or authorized. Kindly proceed to remove the record of these items from my credit file, attributable to an alleged identity theft. Additionally, I have included my newly filed FTC report XXXX XXXXXXXX for your reference : 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not properly investigated the public record item below. It has been removed and replaced. I am requesting it be removed from my report pending a thorough review.PUBLIC FILINGS	XXXX XXXX XXXX XXXX inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX  XXXX XXXX Balance : {$670.00} XXXX  XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX {$8000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$170.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$170.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX 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, CA XXXX XXXX XXXX  XXXX Balance : {$980.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXXXXXX Balance : {$620.00} XXXX XXXX XXXX XXXX : {$8000.00} XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX  XXXX XXXX Balance : {$670.00} XXXX XXXX Balance : {$850.00} XXXX XXXX XXXXXXXX Balance : {$620.00} XXXX XXXX Balance : {$170.00} XXXX XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX XXXX XXXXXXXX Balance : {$170.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX 2021
Product: Money transfer, virtual currency, or money service

Paypal is not allowing me to cancel and automatic payment. The process they offer to cancel involves visiting the Merchant site to cancel. I have cancelled on the merchant site several times now, and they are still continuing to charge me and PayPal is not offering a solution to remove the automatic payments!
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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
Product: Credit reporting or other personal consumer reports

I have submitted several disputes reporting inaccurate, incomplete and fraudulent accounts on my credit report. Credit bureaus are not investigating properly by telling me Im not who I say I am even with proof and validating fraudulent accounts in XXXX hours using an XXXX XXXX. I am disappointed and very upset of how my consumer laws have been violated. Each consumer deserves fair reporting and I am not receiving that. Please acknowledge my attached 1681 ( b ) as I am willing to escalate this claim if need be.
Product: Checking or savings account

On XX/XX/23 at around XXXXXXXX XXXX I deposited cash into a stand alone Bank of America ATM on XXXX XXXX at the corner of XXXX and XXXX XXXX. I deposited {$2100.00} in {$100.00} bills. The machine took the cash. I was adding more funds and it locked up. The machine didnt credit my account and it gave me a receipt telling me to call the claims number. I have filed a claim with the bank and have been checking to see how it is being handled. I have been getting the run around and just told they are investigating. They say they understand and they are sorry but I live paycheck to paycheck. My company doesnt have direct deposit and we receive a paper check every week. I always deposit funds after I cash my paper check from the bank its written on. I feel I need to reach out and file this claim for assistance. I would greatly appreciate any help I could get. Ive made several attempts to escalate the issue with the bank to no avail. Please help me and my family. We greatly depend on these funds to pay our bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

the previously complaint that was submitted on XX/XX/28 addressed a new issue after the arbtration was over. This is a new matter and I demand the accounting on this account to prove that I was late. This was reported on XX/XX/28 on my consumer report which allows me under 15 USA 1666 correction of billing wear as a consumer to request the account ledgers to investigate my account.

If you fail to do so I can refile a new case under this statue since this matter has happened after the fact.

Please provide me the accounting ledgers as I have reasons to believe and do so believe that there is a NEW billing error I will not hesitate to reach out to the Attorney General and the IRS to audit this account or whoever to get this matter resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please comply with the law and CORRECT the account right away. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is my Loan details from XXXX showing my student loans are PAID IN FULL. 

Why is XXXXt being allowed to report to my ALL credit reporting agencies that I OWE them and have LATE PAYMENTS. 

If the account is PAID IN FULL, then why is XXXX reporting LATE PAYMENTS/COLLECTIONS? 

These are records from XXXX themselves. 

See attached.