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

I disputed the account XXXX ( XXXX   XXXX XXXX ) {$1000.00} with XXXX, XXXX  and Transunion and the incorrect information is still there. I do not know who XXXX ( XXXX  XXXX XXXX ) {$1000.00} is. I have never signed an agreement with XXXX ( XXXX  XXXX XXXX ) {$1000.00}. They should NOT be on my credit profile. 

I disputed the account XXXX ( XXXX XXXX ) ( {$140.00} ) with XXXX, XXXX  and Transunion and the incorrect information is still there. I do not know who XXXX ( XXXX XXXX ) ( {$140.00} ) is. I have never signed an agreement with XXXX ( XXXX XXXX ) ( {$140.00} ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX XXXX XXXX XXXX ( {$3500.00} ) with XXXX, XXXX  and Transunion and the incorrect information is still there. I do not know what this XXXX XXXX XXXX XXXX XXXX XXXX ( {$3500.00} ) account is. I have never signed an agreement with XXXX XXXX XXXX XXXX XXXX XXXX ( {$3500.00} ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX XXXX ( {$180.00} ) with XXXX, XXXX  and Transunion and the incorrect information is still there. I do not know what this XXXX XXXX XXXX XXXX ( {$180.00} ) account is. I have never signed an agreement with XXXX XXXX XXXX XXXX ( {$180.00} ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX XXXX XXXX ( {$3100.00} ) with XXXX, XXXX  and Transunion and the incorrect information is still there. I do not know what this XXXX XXXX  XXXX XXXX XXXX ( {$3100.00} ) account is. I have never signed an agreement with XXXX XXXX  XXXX XXXX XXXX ( {$3100.00} ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX XXXX ( {$1000.00} ) with XXXX, XXXX  and Transunion and the incorrect information is still there. I do not know what this XXXX XXXX XXXX XXXX ( {$1000.00} ) account is. I have never signed an agreement with XXXX XXXX  XXXX XXXX ( {$1000.00} ). They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 The errors still exist
Product: Credit reporting or other personal consumer reports

I was stunned to find erroneous accounts on my credit report today, and I have no clue how they got there. I always check my credit report regularly, and everything was fine until now, but suddenly there are these discrepancies. I tried refreshing the page, thinking it might just be a technical issue, but the inaccuracies stayed put. This situation has left me very concerned, and I urgently request that you carefully review the documents I've submitted to prevent this from happening again.
Product: Credit reporting or other personal consumer reports

I had my identity stolen a couple years ago and have had credit freezes placed on my reports at all three credit reporting agencies ever since. I have no issues temporarily lifting my freezes at the other XXXX agencies, but at Transunion, not only am I only able to access their website through XXXX XXXX, but I always get the same error : " Sorry, we're having trouble showing the status of your credit freeze right now You can contact us during support hours via the live chat icon at the bottom of the screen, or by giving us a call at XXXX. Our support hours are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' There is never a live chat icon to use. When I call the support number, sometimes I am able to get through the automated prompts far enough to enter dates, but when I do, there's an error and I'm directed to an agent. Sometimes there's an error before then, and I'm directed to an agent. Inevitably, I fail the identity verification questions ( 3 ). In my most recent attempts, I am repeatedly asked who I know that owns property in a specific state I don't reside in. The list of people given does not contain any people that I know. This is a terrible question - how am I obligated to know what the people in my life own? And how do they know who is or isn't still in my life? I now have deep concerns about the credit report I haven't accessed in years ( because accessing my Transunion Report is nearly impossible ). This question and the other question I am told by agents that I am failing is about my previous phone numbers. I have had my current phone number for over a decade and I have no idea what my previous phone numbers might have been. While the agents have told me that I can call back for different questions, I have had the same exact questions 3 times now. 

Now I am EXTREMELY concerned about what information is on my Transunion report and I try to pull a copy from AnnualCreditReport.com, and I am unable to access my report from there, too, with an error that says my identity can't be verified. 

These issues occurred on the dates XXXX through XXXX. 

XXXX and XXXX are so simple and easy to use - I can use the websites to lift and reapply my freezes easily, I've never had to call an agent for help and I've never had to correct my information on my reports. Transunion is continually a problem every single time I try to use them and I have no solutions. This is my last resort.
Product: Credit reporting, credit repair services, 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. 

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

Experian is reporting an old address that is 4 years old and I do not receive mail at that location. I sent letters requesting for bureau to have it removed but no response. This is the only bureau that reposts this old address. 

The only name and address that should be reporting is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. 

Company is reporting a XXXXXXXX XXXX XXXX XXXXXXXX TX. This is in accurate information.
Product: Credit reporting or other personal consumer reports

I recently noticed a hard inquiry on my credit report from Transunion, XXXX and XXXX. 

This inquiry was from XXXX ( XXXX XXXX ) on XX/XX/2023. I did not authorize the hard pull of my credit, nor do I recognize the name of the company. I only requested that XXXX XXXX XXXX XXXX be used for the purpose of my loan, which I was already a customer at XXXX XXXX XXXX XXXX. 

Please have this inquiry removed because it was UNAUTHORIZED and the ONLY authorization should be XXXX XXXX XXXX XXXX, as that is where I belong, and that is where I secured the loan.
Product: Debt collection

I have a charge on my account that is in collection with convergent outsourcing via XXXX in the amount of {$8000.00}. I have never used XXXX  service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in the hospital for the past few months and just came home yesterday with COVID and on life support. My husband tried calling Victoria Secret to see what COVID protections there were. Since he was not on the account no one would talk to him. Now I have 60 days late on my credit report and who knows how much un fees!!! VS needs to fix this!! They need to remove the late reporting and waive the fees! Send me a bill of what I truly owe so I can find a way to pay!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

US Dept of Edu/ US Dept of ED/XXXX is fraudulently reporting on my credit report in the amount of {$17000.00} account # XXXX. Ive complained to them over and over again that I never attended school in XX/XX/XXXX at all to no avail. This account never belonged to me. Ive asked them to send me the original instrument of indebtedness in its original form back in XX/XX/XXXX. The information that they sent was not mine and not my handwriting. This is against the law. 

* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ).
Product: Debt collection

This XXXX on my credit report must be removed as for the fair credit reporting act and the creditors are not required to report anything to the credit reporting agencies! So why is there any XXXX reporting on my credit report that is reported to this credit reporting agencies. This is clearly an error on your part as a credit reporting agency reporting a XXXX  Send me all your data about where you gathered this XXXX
Product: Credit card

My name is XXXX XXXX XXXX. I am an XXXX XXXX XXXX woman who was duped on the phone by a group of criminals who claimed they were from my bank on XX/XX/2023. They told me that someone had stolen my identity and they would help me to close down all of my accounts. However, after I got off the phone with them, my daughter told me that it was probably a fraudulent call. We immediately froze my bank accounts and called each of my credit card companies. We also filed a police report. When I called Capital One on the night of XX/XX/2023 to report what had happened, they told me there had already been a charge of {$13000.00} and asked if I made that charge. I told them I did not and they removed it from the account. However, after their initial investigation, they put the charge back on my account. Capital One then requested a copy of the police report. I provided them a copy and now they are telling me that their case is closed and that they will not be reversing the charge. They said that because I had " authorized '' the charge, it was not fraud. I told them that I obviously did not " authorize '' the charge because the people on the phone never asked me to authorize a charge and they were lying about who they were. I don't understand why Capital One will not reverse this charge when my bank and all my other credit cards immediately reversed the charges that the criminals made. The charge remains on my account and has now added interest and late fees. I have tried numerous times to contact Capital One and to ask what other information I can provide for them to reverse the charge. They told me the case is closed and they will not reopen it and that I remain responsible for the charge. The last XXXX digits of the case # is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around late XXXX 2017 I contacted Chase Bank to notify them of their shady business practices and failure to properly and professionally disclose information in reguads to their hardship program. A few months ago I took part in the program due to legal issues with my employer at that time and had not gotten paid still to this date. I spoke with Chase Bank thinking they were actually here to help and it all turned out to be a lie that has affected my life in many ways and I'm still struggling to recover from the pain and disappointments they've caused. I before Chase bank destroyed my credit score I had a XXXX fico XXXX score. Chase Bank has maliciously allowed late payments to occur although I was enrolled in their program which caused me to fall in serious delinquency status for this account,   which dropped me all the way down to a XXXX Fico. The day I enrolled in the program I specifically asked Chase Bank was there anything else that I needed to do to prevent late payments because I take pride in having 100% on time payments as I've had for the past 8 years and I was assured that I was good to go and everything has been taken care of and because of being on automatic payments there would be no father action on my part. Chase bank and enrolled me into a program that did more harm than effectiveness, I find it very offensive for a company that claim to hold such high standards to treat a customer in such a way as I've been treated, I've been calling about this month after month and they just don't care.  All I'm requesting is that all late payments be removed from my account immediately. And I want nothing else to do this company ever in my life again I have been spreading the word and none of my family members and coworkers will apply for Chase Bank because I'm very close to them and they have witnessed what I've went through first hand it's just heartbreaking. i've even written a letter to the CEO of chase bank and it was such a disappointment I cried for the rest of the day, I was treated like a number, I was treated like I meant nothing, I was treated like I didn't exist and that everything has happened because of me, and for that I will forever share my experience about chase bank.
Product: Student loan

I am writing to express my deep dissatisfaction with the service I have received from MOHELA regarding my student loan account. As I begin my repayment journey, my experience with MOHELA has been marked by persistent delays, inconsistencies, and unhelpful interactions that have only added to the stress of managing my student loans. 

Whenever I reach out to customer service, I encounter extremely long wait timesoften exceeding an hourjust to speak with a representative. When I finally connect with someone, I am met with inconsistent information and, on occasion, unprofessional behavior that leaves me more confused than when I started. Additionally, my online account has disappeared on different occasions, requiring me to create new login credentials each time, which is both inconvenient and concerning.

MOHELAs representatives have informed me that I am on a deferment, yet I receive conflicting end dates each time I inquire. As a recent graduate with limited income, I can not afford the {$4800.00} monthly payment currently scheduled. While I was told an extension of my deferment is possible, I would still incur accruing interest, which doesnt address my financial situation. Other healthcare professionals I know, including my brother, have been able to get forbearance without interest accrual through other loan servicers, particularly due to the current pause on the SAVE plan. When I inquired about this option with MOHELA, I was told it wasnt available, which seems inconsistent with others experiences. 

In a recent call, after waiting over an hour, I was transferred to an advanced representative ( which I had to wait for another hour to get transferred to ) who ultimately couldnt assist me any further. This cycle of miscommunication and lack of support is deeply frustrating, especially when peers are receiving effective assistance from their loan servicers. Managing my XXXX  student loans is already a significant burden, and MOHELA 's handling of my account has only intensified the stress. 

I am requesting prompt and clear guidance on my options for managing my loan balance and a resolution to the service challenges I have encountered. Please advise on how I might receive more reliable assistance and accurate information moving forward.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with the fair credit reporting act 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 a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF ED 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 XXXXXXXX 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 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 informationisinaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I look at my credit report and seen an account that is not mine its XXXX XXXX  bank as a charge off as bad debt in which it does not belong to me it says status update XX/XX/2018 last payment XX/XX/2018 XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am not aware of this XXXX XXXX XXXX XXXX  XXXX , XXXX. balance. I have never seen anything dealing with this lender. Also, I have been threated that in 30 days they will seek to make a judgement on debt that does not belong to me. I understand that they are looking to offer me a settlement. However, I do not believe the validity of such debt accusation. Furthermore, I will not be limited to the action of court threats when I did not receive any notice of debt based on communication. The amount is {$880.00} from XXXX which was acquired by XXXX XXXX XXXX in 2006. I do not claim debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX dated XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFFS account on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove these charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX XXXX  XXXX
Product: Debt collection

I have paid on a XXXX credit cart for 7 years,XXXX a month, applying XXXX extra on a XXXX a XXXX bill, i paid close to XXXX and they say i owe them XXXX on a XXXXXXXXloan. they sent the debt to midland collection agency XXXX, and they call at least XXXX times a day, as late as XXXX
Product: Consumer Loan

My payment was due on XXXX and I attempted to login just a few days late to make a payment. But I was restricted from accessing the online portal. I was only 8 days past my due date. The only option was to make a payment by phone with a {$7.00} pay by phone fee. I refused to pay the fee when I was only 8 days past the due date. Today I received an email from GM Financial that said that my account is 25 days past due and to login to My Account to make a payment or for payment options. I clicked on the link in the email that they sent to me today and attempted to login. I received the same message at login that my account has been restrict from online access and to call. Again they want to charge me a phone fee to make my payment. If they would not have restricted my online profile or not charged a phone fee I would have already made this payment weeks ago. I feel that GM Financial is intentionally making hard on it customers that want to make payments on accounts that were less than 30 days past due. i have never been in a situation where a bank or lender intentionally makes it impossible to convientently makes payments on my accounts. 

Thank you for investigating this complaint with GM Financial.
Product: Credit reporting or other personal consumer reports

I have had lawyers try to dispute things on my credit report, I have tried to dispute things that are incorrect, the dispute comes back without a reason. I had an XXXX XXXX XXXX  collection that was not on there before and years later it is back on report and tried to dispute that. It was not on there and it just comes back almost 2 years later. I have things on my credit report for the same collection but XXXX different times.
Product: Student loan

I have a direct debit scheduled for the XXXX of every month for 3 student loans. The debit is more than the minimum payment which I allocate the excess amount to each loan. On XX/XX/XXXX, I reallocated the excess payment to pay more towards the loan with the highest interest. I called the servicer on XX/XX/XXXX to ensure that my regularly scheduled direct debit would take place on XX/XX/XXXX. The representative assured me that the appropriate amount would be taken out. I informed him that when I logged online that it showed a lower amount than I normally pay and the direct debit amount did not necessarily look like it was scheduled. He assured me that there were two payment schedules and that it would total the full amount I typically pay. The following week, on XX/XX/XXXX, I noticed nothing took place and my account became delinquent. So I called on that day and was told that they would reschedule my payment and no action on my part was to be taken. On XX/XX/XXXX, I noticed nothing took place again. So I called and was told that it should be fixed within the next couple of business days and a note was made on my account. On XX/XX/XXXX, I noticed my account was still delinquent, no action or debit had taken place with my bank, and called again. Finally, I was told that the task scheduled would take an overpayment I made from XX/XX/XXXX and allocate it as my XX/XX/XXXX payment to remove the delinquent status. This task takes up to 10 business days. This representative communicated this information to me and was new information after speaking to XXXX other representatives over an almost 2 week period. While this does not affect my credit score, I do believe the servicer is responsible for having representatives who are capable of explaining to consumers the appropriate information to prevent situations where someone is delinquent on a loan. Had I known what the 4th representative told me on XX/XX/XXXX, I would have scheduled a payment to prevent a delinquent status on my loans.