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

Hi I am submitting this XXXX 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. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. 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 XXXX 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 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 year old daughter PLEASE HELP im extremely frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan with XXXX XXXX XXXX that has always been billed via paper statements. That said I have NEVER been late with them on any loan payment EVER. A few months ago they stopped sending paper statements which caused a 30 late on my credit report. I reported to them multiple times that I NEED to receive paper statement in order to pay bills on time ( this has never been an issue ever from them ). They agreed that the changes to the statements must have happened in error but can do NOTHING to aid me in fixing the issue with my credit report. The reps on the phone proceeded to berate me and say that it was my fault and that they are under NO OBLIGATION to ever send me a paper bill and that I must send payments on my own. They proceeded to hang up on me after telling me that I should take better care of my credit. I'd like to note that because of the error with statements I have made it a point to prepay 2 months in advance while this is being fixed and continue to stay ahead as the error with statements has not been rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of 2021, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the XXXX credit bureaus, Experian, XXXX and XXXX on XXXX/XXXX/2021 and XXXX/XXXX/2021 but nothing has been done. please help me with this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I made a {$10000.00} electronic payment from my checking account to pay down a portion of my existing Home Equity Line. This {$10000.00} was never applied to my {$75000.00} balance on the Home Equity Line. During the same week, we refinanced the HELOC with the same bank & they opened up a completely different account. However, they transferred the full {$75000.00} and did not reduce by the {$10000.00}. I have repeatedly called their loan department, as well as my local branch, and they keep saying that they have a new system and are having issues. They acknowledge that the money was never applied to my account. As of today ( XX/XX/XXXX ) ... almost 1 month 1/2 later ... .I still do not have the {$10000.00} either in checking cash or applied to the HELOC. I understand under the Expedited Funds Availability Act that  this is illegal.
Product: Credit reporting or other personal consumer reports

I noticed on my account that there are incorrect address and name information. My name is XXXX XXXX XXXX and Experian and XXXX have incorrect names for me : XXXX XXXX and XXXX XXXX ( XXXX ) XXXX XXXX and XXXX XXXX ( Experian ) XXXX XXXX XXXX does not belong to me ans I have asked them to send proof of this account and I have not receive it ( XXXX and Experian is reporting incorrect information on my credit. 

I have no idea what the following account are or who these accounts belong to : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report indicates a collection from XXXX dated XXXX XXXX. Consumer does not owe and has repeatedly asked for verification of debt from company and credit bureaus. Contacted company in XXXX XXXX and was told there was no record of debt. When consumer pulled credit report in XXXX XXXX contacted the company again and was told Consumer owed {$500.00} but representative was not able to provide any explanation when consumer asked for verification of debt. Last correspondence sent to XXXX asking for removal or debt validation. Sent on XXXX/XXXX/XXXX tracking number XXXX certified return receipt. Received and signed on XXXX/XXXX/XXXX but no response to consumer. However credit Bureau reported XXXX updated report XXXX/XXXX/XXXX. Equifax has not been able to validate debt also when disputed.
Product: Student loan

My husband and I have applied for PSLF/TEPSLF and throughout the entire process we have been misled, not given complete information, told to lie or withhold information and fear that the TEPSLF will be no longer because of the loan services not doing its part. We second guess everything we do despite it coming from their call center. We have done ABSOLUTELY everything we have been told to do and still 6 months later we have no resolution. We at one point had our case closed because we didnt complete what was asked in the 21 day window when in fact I uploaded 703 pages of documentation 10 after it was requested. No one dropped it in the file. We would not have known that had we not called 8 weeks later after receiving nothing. Now we are 8 weeks from that inquiry and have made multiple inquiries since and still NOTHING. We have been told to submit unemployment deferment application even though you wont qualify so you can buy 60 days with no payments. That is fraud! We are tired and frustrated and just want FEDLoan Servicing to do the right thing. We have also contacted the ombudsman and been assigned a case manager he has become increasingly unavailable as of late. Additionally we have filed complaints with the AG of the state Florida, Senator, Congressman and US Dept. of Education.
Product: Debt collection

I have been bombarded with phone calls for someone I don't know. Numerous times per day EVERY DAY!! I have told them several times I don't know the person they are looking for and to stop calling my number. Only to have them say ok and call a few hours later from a different number. The name of the company still shows up but the number is different. I am seeking a work from home job and these continuous phone calls all day impedes on my ability to provide for my children.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint to request the removal of a negative account that XXXX XXXX is reporting on my XXXX, Equifax, and XXXX credit report. The account number reported on my credit report is XXXX. I called XXXX XXXX on XX/XX/XXXX, to discuss this account. I was told by the customer service representative that I could settle the account for {$200.00}. I asked him if the account would then be reflected as paid, and all negative entries would be removed from my credit report. He said not unless I paid the balance in full. I told him it was critically important that all negative information be removed from my credit report, and I agreed to pay the full balance of {$400.00}. I have attached a copy of the receipt from my bank to this letter. It has now been over one year since my payment, and XXXX XXXX is still reporting negative information on my credit report. This account was first reported to the credit bureau on XX/XX/XXXX. I have sent letters to XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and received no response or resolution. I am requesting that XXXX XXXX delete this account from my XXXX, Equifax, and XXXX credit reports immediately.
Product: Checking or savings account

I applied for a loan for XXXX dollars thru XXXX XXXX on XXXX XX/XX/XXXX. Multiple deposits were made to my checking account in the amounts of XXXX, XXXX, and XXXX. I was instructed to go to XXXX and return the XXXX their money transfer service. I was notified by my bank, USAA, Dispute Resolution, that the merchant had not received payment. I assume, since these deposits ( XXXX, XXXX, and XXXX ) were temporary credits, when the time came to settle the transfers through XXXX, the funds were no longer available, which left me responsible for responsible to XXXX and or USAA for XXXX. On XXXX XX/XX/XXXX, USAA satisfied the obligation to XXXX, leaving my account over XXXX in arrears. My mortgage is due on XXXX XX/XX/XXXX and will be late, it I'm able to pay it at all.
Product: Mortgage

XXXX XXXX communication about assuming the loan ; county and state records shows that I am the owner access to mortgage account online XXXX XXXX blocked from mortgage system ; uploaded documents to home preservation system ; eventually blocked ; email provided to attach documents ; submitted documents as instructed ; lender claimed that documents were never received; resubmitted the same documents over and over. 

XXXX XXXX XXXX XXXX confusing calculations p1 of mortgage statement shows payment sent but was applied to XX/XX/XXXX ; p2 shows owing XX/XX/XXXX after previous payments were sent to a debt collection agency and some payments were returned
Product: Checking or savings account

Navy Federal Credit Union cashed bonds and then did not send a 1099-INT, but reported the disbursement of funds to the IRS. When I called on 21JAN25, they confirmed verbally that they did not send the 1099-INT.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to dispute inaccurate information in my credit report under the Fair Credit Reporting Act ( FCRA ). The information in question is related to the account listed below : Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/year> Discrepancies : Date Opened and Charge Off Timeline : The account was opened on XX/XX/year> and charged off by XX/XX/year>. This rapid progression to charge off within such a short period seems unusually quick and may indicate an error. Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy. 

Missing Payment History : Payment history for XXXX XXXX  is missing. Under 15 U.S.C. 1681e ( b ), credit reports must provide accurate and complete information. Missing several months of payment history may lead to a misrepresentation of my financial behavior. 

Balance Discrepancies : The balance fluctuates inconsistently between XX/XX/year> and XX/XX/year>. Without detailed payment history, these fluctuations seem unclear and potentially incorrect. This may violate 15 U.S.C. 1681e ( b ), which requires accurate reporting. 

Recent Payment : No recent payment information is provided. Accurate reporting should include the last payment made or confirm that no payments were made recently. This is required under 15 U.S.C. 1681e ( b ).

Terms and Monthly Payment : The terms are listed as " 1 Month, '' which is unusual for a line of credit. Typically, lines of credit have revolving terms. This might be a misreporting or misunderstanding of terms. 
Additionally, the monthly payment information is inconsistent across records, which affects the understanding of my payment obligations. This needs to be accurate per 15 U.S.C. 1681e ( b ).

Credit Limit : The credit limit is not specified. Knowing the credit limit is crucial to understanding the utilization rate, which affects my credit score. This must be accurately reported according to 15 U.S.C. 1681e ( b ).
Requested Action : I request that these discrepancies be investigated and corrected under 15 U.S.C. 1681i. Specifically, I request the following : Provide accurate payment history for XXXX XXXX. 
Verify and correct the balance history and fluctuations from XX/XX/year> to XX/XX/year>. 
Include recent payment details or confirm the absence of recent payments. 
Correct the terms to reflect accurate and typical terms for a line of credit. 
Specify the credit limit for the account. 
I have attached copies of my payment records, account statements, and any correspondence with XXXX XXXX to support my dispute. 

Please investigate this matter and correct the inaccurate information as soon as possible. I request a written confirmation once the changes have been made.. According to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if any of the disputed items are found to be inaccurate or incomplete, they must be promptly corrected or deleted. 

Thank you for your prompt attention to this matter. 

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

AMERICAN COLLECTIONS Ive have sent them 3 verification letters and have received no response but they continue to report on my credit. I reached Out to the original company and they are closed and the company that took over has no records prior to XXXX of 2019 to verify anything. They also refuse or just negate to send me over my signed authorization to release my medical information to a 3rd party or a detailed billing statement for the services they are collecting for. This is a HIPPA violation!
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy.

I did an investigation on my credit report which causeddepression upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. CODE 1681e ( b ) Accuracy of Report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the informationconcerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if after, any reinvestigation under paragraphs ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer report agency shall ( i ) promptly delete that item of information disputed by the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation-and ( ii ) promptly notify the furnisher of that information that the information has been modified of deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after you the accounts and or the information. 

I demand you delete the late payments from my XXXX  XXXX account # XXXX ASAP.
Product: Mortgage

My husband & I have a Trust and decided to re-finance for a lower rate. There was to be 2 closings ( one for Trustee to take property in and out of the trust, and the other on XX/XX/XXXX for my husband & I to close the refinance contract in the amount of {$230000.00}. ) With the closing, we requested {$29000.00} cash to close. The disbursement date was to be XX/XX/2020. On XX/XX/2020 I sent an email to the title company, providing the Trustee 's contact information. On XX/XX/XXXX I specifically requested 2 separate closings ( with us and the Trustee ). It took the Mortgage/Title company from XX/XX/XXXX to XX/XX/XXXX to determine that Trustee paperwork had not been completed. Finally Trust paperwork was signed and notarized XX/XX/XXXX, so again we expected our {$29000.00} to be disbursed. Today is XX/XX/XXXX and apparently more Trust paperwork was missed or has to be re-signed. On XXXX XXXX another confused notary called us to schedule yet another set of Trust closing documents. AS OF XX/XX/XXXX our OLD MORTGAGE HAS NOT BEEN PAID OFF ( making our mortgage payment {$190000.00} PLUS interest late. ) Expecting our $ XXXX to be wired to our bank, we scheduled payments to our credit card companies. SO we were not able to pay those bills - making them late/missed payments. It is WRONG that our new Mortgage has been set up in the system, and we now owe the 1st mortgage payment on XX/XX/XXXX. How could our Mortgage debt be set up, yet the Mortgage/Title Company still won't release our cash back funds?
Product: Debt collection

I had a secured card. They decided to cancel my card. My security deposit was XXXX. When I talked to them ( Citibank ) they informed me that the XXXX would go against the balance. I was never sent a bill for anything else owed. The amount due was XXXX but I had no idea I owed that. Now in XXXX. They say I owe XXXX and all of that is Fees and Interest. If I new I only owed XXXX cents anyone in there right mind would of paid right away. Since I didn't know about amount now they expect me to pay this. I informed them of my frustration and here is where I am at. I don't mind paying XXXX and one fee and interest if need be. But not XXXX.
Product: Credit card or prepaid card

In XX/XX/XXXX I made a purchase at Ashleys furniture store. I was originally told that I was approved for three years interest free. Because the original purchase did not result what we wanted as the furniture was not all wood, we returned that furniture and got another set that was more expensive. The total amount was {$3100.00}. I was not aware that the difference in cost was put in another plan. The other plan was a 24 month deferred interest for amount of {$1200.00}. The total minimum payment was {$84.00} for the full amount owed. I set up automatic payments of {$100.00} per month with the idea that I would have the account paid off in 32 months. In XX/XX/XXXX, the deferred interest for the {$1200.00} was added and now I am paying for monthly interest as well. I should have paid off this account on XX/XX/XXXX. Not given the option of distribution of payment for these two plans has made it difficult to pay off the account and it is frustrating because it should be paid off if they would have kept all of the balance on the original 3 year interest free plan. The distribution of payment should have been 23 payments to the deferred plan of XXXX and one payment of {$51.00}. For the three year interest free portion of {$1900.00} the payments should be ( {$48.00} x XXXX ) + XXXX XXXX leaving a balance of {$760.00} that would be paid off in 8 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported one of my accounts ( ending in XXXX ) as 30 days late in XX/XX/2019. This caused my credit rating to plunge. AT NO TIME during the 30 days when this account was late, was there ever any information on the summary page of the account on the internet -- which I visited a number of times during the period. 

In fact, the company is quick to put up the late notice on the account summary page once they have earned the fee and damaged my credit. 

Furthermore, rather than point out that my account was late, they gave me the amount due and the payment date for the following month. 

All of this behavior benefits XXXX XXXX, and so may be fraudulent. However without that assessment, it is clear in violated of Fair Credit Laws of various kinds.
Product: Debt collection

I received a call the day before Christmas XXXX. A very rude male, kept talking to me like he knew me. It was the holidays I played along. 

That's when I was told that I need to pay my bill. The person refused to identify, or transfer me to supervisor. 

Continued to talk down to me. I refused to verify any of my information. He said that was ok. He would make sure I knew who he was. 

Not long after I noticed repetitive derogatory flags on my credit reports. Some days apart, some the same day, never longer than a week apart since. Derogatory marks for late payments. 

Not long after I was served paper work, late at night by a female pounding on my front door. Pretending to need medical assistance. 

So I finally see who has been causing all of the XXXX. 

XXXX card services sold my debt. Which was XXXX $ to Midland credit who says I owe XXXX $ This card was payed on time for years. 

I was severely injured at work, workers compensation cut me off short after. I spent my savings trying to stay a on top. 

It came to credit card bills or food for my family. 

Food for my family was an easy choice. 

Now a year later I have numerous derogatory marks on my credit from midland credit. From the same debt. 

They never sent anything to the house to verify anything. 

I went to the pre trial day before yesterday. 

I pleaded that I have no job and only have XXXX $ a WK unemployment. I have no money to pay. 

I said I could try to establish XXXX $ to stop them from proceeding. He refused the offer 'stating it was insufficient ' and requested a trial. 

I apologized. Telling him that, the money I had was for rent. He kept telling me it wasn't enough. 

I couldn't have felt smaller, more belittled. 

I was given the contract information for an automated network. Told to call talk to somebody else. 

Now I have a trial, and wake up to more derogatory dings on my credit. For the same debt, the day after court. Just days after the previous one. 

There employees are intentionally causing unjustified harm to my credit and well being. Because I didn't simply comply with their request to pay XXXX $ I am Worried that they will not stop until someone intervenes. 

How can they continue to batter me? The debt hasn't been payed in years? How can the make current derogatory records repeatedly, stating im missing payments.. 

The company sold the debt. Midland credit had never formally identified themselves or my debt. 


In XXXX and a pandemic. This is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and fraud due to the unauthorized use of my personal and private identifying information without permissible purpose. Please see attached documents which include : Identity theft report Affidavit of fact Letter of dispute and demand List of accounts to be blocked XXXX forms of identification Bank statement with address