23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

During XX/XX/XXXX through XX/XX/XXXX XXXX XXXX is reporting that I am anywhere from thirty days to one hundred eighty days past due, while I was in Forbearance with XXXX dollars owed. They reported this on XXXX accounts. I have sent certified letters requesting statements showing I owed money, they never sent me anything. I asked for an account detail and only get from XXXX to current. XXXX acknowledges that the reporting is incorrect every time I call ; however, every dispute I file with the credit reporting agency, XXXX says the reporting is correct. I have now recorded my full conversation with XXXX for proof. I can't get approved for a home loan or anything. I've been fighting this for years. According to the XXXX reporting I would have defaulted on my loans, thus not being able to receiving further funding. The DOE shows I have never been late on one single payment since I took out my first loan in XXXX. I'm asking for assistance as this is costing me loads of money in interest and the ability to own a home. This is unjust after fighting XXXX years.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 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

I filed a complaint to this body regarding Experian wrongfully reporting a bankruptcy on my credit report and disseminating that incorrect information to creditors. Since I have been challenging Experian on these matters my credit score has been on the decline, dropping 55 points since XX/XX/XXXX. I believe I am being retaliated against. Following my complaint Experian responded by stating they had investigated and that no bankruptcy was listed on my credit report and that Experian was not reporting a bankruptcy to any financial institution. In support of their claim, Experian sent me a clean credit report devoid of any bankruptcy. The screen grab attached refutes Experian 's claim. Credit Check powered by Experian reported as of XX/XX/XXXX that my FICO Score was a XXXX. The source listed is Experian. The number 1 factor influencing my downward score... 
" There is a bankruptcy on your credit report. '' Credit Check powered by Experian reports to XXXX on a monthly basis. XXXX is one of my creditors. Due to the false reporting by Experian, I have had deleterious actions taken against me. On information and/or belief, Experian 's actions are deliberate. They advised this body they were not reporting a bankruptcy on my report, they send me a clean report giving me the impression the bankruptcy is deleted but continue to send information to my creditors that a bankruptcy exist on my credit report... .an elaborate ruse to defraud and mislead. Experian is disseminating disparate credit information to financial institutions.
Product: Mortgage

My mortgage was purchased by Mr. Cooper in XXXX of 2022. At the time my payments were on auto pay with the old mortgage company, and immediately placed on auto pay with Mr. Cooper. There was an outstanding balance ( equal to one payment ), and when I inquired about it, they said they have to give it up to 45 days for the transition to work out, and not to worry about it, they will contact me if there was a problem. Six months later I get a notice that my auto pay will not be honored because there is an outstanding balance, and that my account was considered in default. I called and upon researching, found the final payment with my old mortgage company was not applied correctly. I immediately made an additional payment to correct the situation. Mr. Cooper still reported the account delinquent, and now my credit is destroyed. I requested that they remove the derogatory report since it was an administrative error, and I made an extra payment immediately upon being advised of the problem, and they refuse. They never gave me the opportunity to fix the issue, and refuse to correct it now. I did not ask for this company to purchase my mortgage, and this would have never happened if they didn't.
Product: Debt collection

I received a letter from the National Commercial Services ( NCS ) debt. servicing company claiming I owe {$8000.00} for a debt owed to XXXX XXXX and XXXX XXXX. I do have a XXXX recreational vehicle policy, so I called both my regional representative and the XXXX national customer support number, and neither could find any outstanding debt. My account is paid and current. This debt is not mine. I believe NCS has made a fraudulent claim in this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Monterey Collection Services is reporting inaccurate information on my XXXX  credit report for a company called XXXX XXXX. The company is reporting one balance to the credit bureau, but sent documentation to me with a completely different balance. The balance being reported to XXXX  is higher than the true balance. This is a violation. I have disputed the information twice with XXXX. Monterey Collection Services verified the balance as accurate twice, which it is not. I have attached documents proving the difference, the violation.
Product: Credit reporting or other personal consumer reports

I submitted letters on XX/XX/year>, XX/XX/year>, also XX/XX/year>. Asking for the information and provide proof of the charge off on the account. Now its showing it was transferred to a debt collector and is still showing a balance due. Since I was never provided proof and it was transferred to a collector, I no longer owe money to this creditor.
Product: Mortgage

I am with LoanCare for my mortgage and it is stated they have been hacked. Their had not been any communication about this to their customer. Their website hasnt worked since the XX/XX/XXXX or earlier. There is no way to communicate with customer service. I have been trying to make a payment and havent been successful. Today XXXX the website is back up and you have to enter your bank account information again. The website is not accepting the payment.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX credit card Applied for loan at my bank and was told I had a delinquent credit card. I stated I dont have a credit card. My checking acct was hacked 1 month prior to the card being opened and transaction made 1 time. The majority of the charge was the initial fee of the card. I have called 2 times to have this resolved. Also filled out an affidavit that states the facts also
Product: Credit reporting

I was checking my credit report on XXXX/XXXX/XXXX and noticed that there are over XXXX inquiries on my credit report that I did not authorize nor ask for. I have filed a police report three weeks ago, have a fraud alert on all XXXX of the credit bureaus and have called Experian several times, last being on or around XXXX XXXX, XXXX to dispute these inquiries. I was first treated very rudely by the person on the phone when I was asked to be transferred to the Dispute Department in a US call center. I was told that they do not do that and I have to tell them what I needed. After about trying 7 times I finally got transferred to another person who was not with the Dispute Department in a US Call center. This whole experience has me just mentally upset and discouraged, feeling as if I can never get this taken care of. Below are the inquiries that I did not authorize nor did I solicit any form of business with them : 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: Credit reporting, credit repair services, or other personal consumer reports

I have cancelled my spirit airlines credit card twice in the last year and thought it was officially closed the second time I contacted them. They have their card through Bank of America and this year I find that I was once again charged a yearly card fee. Contacted them AGAIN to state this account was already closed and they left it open. I have disputed it two more times and they finally closed the account on their end on XX/XX/20 but have left a {$62.00} balance on there while also reporting this to my credit report which has now caused my score to drop almost 100 points! 

I have also reported them to the XXXX  and found out I am not the only customer to have had this issue with them. I should not have to pay for a mistake on their part, which was not closing the acct on their end the first two times I cancelled it. On top of that they have messed up my credit score going from about XXXX to XXXX-XXXX
Product: Debt collection

Pulled my credit reports and saw inaccurate information on them i then wrote the collector and told them the debt was not mines it was a chargeoff in which i havent had any buisness with this company the bill was suppose to be an XXXX bill who was the original creditor i informed them that it was unlawful for them to put inaccurate info on my credit report without my knowledge. i told them i do not consent and i can sue them under the FDCRA and to delete the inaccurate information
Product: Checking or savings account

On XX/XX/XXXX my Wells Fargo was hacked and multiple transactions were made to XXXX XXXX. The transaction amounts were as follows : {$770.00}, {$770.00}, {$700.00}, {$800.00}, {$890.00}, {$780.00}, {$880.00}, and {$890.00}. The total amount of the transactions was {$6500.00}. I realized the fraudulent transactions were occurring when I attempted to transfer money to my brother. The transfer through zelle to my brother was declined at XXXX on XX/XX/XXXX. I contacted Wells Fargo and informed them of the fraudulent transactions immediately and they froze my account and started a claim. The claim was later denied and since then I've had to open the original claim several times with the promise that their high dollar fraud department would contact me, but to this day I have not spoken to anyone from that department. On the day of the fraud ( XX/XX/XXXX ) I also contacted XXXX XXXX and alerted them that the subject fraudulent transactions were not made by you. I asked XXXX if they could cancel the transaction 's because they were still pending at the time, but they said they could not. XXXX XXXX informed me that they could open a fraud case if anyone were to try and board the flights without being able to present the payment debit card they would be arrested and I would be notified. This did not happen and I continued to contact XXXX several times over the course of a few weeks. The last few calls to XXXX I was informed that the flights were cancelled and instead of me being notified XXXX issued a credit back to the fraudsters. Both XXXX and Wells Fargo have not been diligent in helping me at all with dealing with this fraud. Both companies have tried to put the issue and responsibility off on me and each other. While speaking with Wells Fargo I offered to call XXXX XXXX on XXXX to discuss the claim, but they refused. I've been a Wells Fargo customer since XXXX when the company operated under the name of XXXX XXXX. They are very familiar with my banking and debit card habits and I was very disappointed that they did not pick up on the unusual transaction activity as I was the one that had to notify them of the fraudulent transaction immediately. Also, XXXX XXXX repeatedly asked me for confirmation numbers to the flights which I don't because I did not book the flights, also the contact details that they had in the system did not fully match.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid I off my loan earlier than expected due to a promotion XXXX XXXX was running. I was told around XX/XX/XXXX that I could take advantage of an early payoff option. I could pay my account in full for the amount about {$250.00} ( cant  recall the exact amount ) that and save on the rest of the payments and interested. Of course I accepted bc that would save me a lot of money. The account was then closed as paid in full. About a year later, the reporting on this account changed to 60 days late. After speaking to an agent at the store I purchased the account from, I was advised of some accounting errors due to change of staff. Although I made the payment, it was not posted to my account until later which made my account delinquent. This was in XX/XX/XXXX. I was told it would be corrected because they also were reporting I still had a balance of {$2600.00}. I waited 30 days for my reports to update. The balance went to {$0.00} but they never removed the late payments. Long story short, Ive been calling every month to get this fixed. Ive spoken to the manager XXXX ( or XXXX ) at the store and he advised he is waiting for his supervisor to email him back. He does see the error but only she can send in a request to have this updated. I still have not heard back from anyone. I contacted the store on XX/XX/XXXX. XXXX said he would get this corrected asap and apologized. He said he would return my call but I have not heard back. I have also spoken to the female assistant manager but she did not give me her name. I have disputed this with the credit bureaus but I dont feel they are investigating this thoroughly. I have sent a request by mail to corporate office to have the payment history updated but have yet received a reply. My phone calls and voice messages have not been returned. I have called corporate on XX/XX/XXXX and was transferred to someone in credit. I spoke to XXXX, and she insisted they were not reporting incorrect information. She kept telling me that they were not reporting any 60 day late for XX/XX/XXXX but on all the reports it clearly shows that. She insisted it was not being reported. She went over the times a was few days late but I explained to her those payments were late because the someone added inasurance to my account that I did not accept and i had to wait for the manager to adjust my balance. This continually happened where they either never really removed it or someone was going back in to add it. I did not pay that. I only paid what my installment was and the rest had to be corrected by them. She also did not want to accept a copy of my report for review or send an update to the credit bureau. She said she would have a higher up review it and contact me but I have not heard back. I just want the late payments for XXXX XX/XX/XXXX removed and the account to report as paid. Right now it is reporting 60 days late and still open. I have disputed it several times and I has not been corrected.
Product: Debt collection

The prewritten choices don't exactly name my complaint. 

I had a credit card account with XXXX XXXX XXXX  owing {$510.00}. Firstly, Jefferson Capital has no right under the FCRA to collect this debt from me. XXXX wrote the debt off and should be sending me a XXXX, which has not happened. 

Before I realized this, I made an agreement via telephone on XX/XX/XXXX to settle the debt with Jefferson Capital for {$250.00} and they will cancel the rest of the debt. I made my first payment of {$21.00} on this day. 

As of XX/XX/XXXX, Jefferson Capital has again put his collection into my credit file making it look like a new filing with a new amount instead of just updating my credit file to show a payment has been made.

This is intentional and misleading.
Product: Credit reporting or other personal consumer reports

My name XXXX XXXX XXXX. I became a victim of identity theft a long time ago. After that incident I noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following accounts from my credit report immediately. Besides these items, I also want to delete incorrect addresses that I do not live in and I do not go by. They are all a result of ID theft. Please remove these items which are not authorized by me as soon as possible. Please see attached identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I had a car company my boyfriend was buying a car at run my credit report ( hard report ) without my consent and or knowledge. I told them that I didnt want to be on the deal yet they ran my report twice that day and then again on XX/XX/2023. And when trying to get my personal information back from said company it was impossible. I would like these fraudulent credit runs taken off my credit report and something done about these guys doing this to another woman that is trying to just get away from these guys.
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  account with account # XXXX  opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX account with account # XXXX  opened on XX/XX/XXXX and a balance of {$23000.00}. 

XXXX XXXX XXXX with account # XXXX   opened on XX/XX/XXXX and a balance of {$13000.00}. 


XXXX XXXX  account with account # XXXX   opened on XX/XX/XXXX and a balance of {$25000.00}. 


XXXX XXXX  account with account # XXXX   opened on XX/XX/XXXX and a balance of {$790.00}. 

XXXX Line of credit with account # XXXX   opened on XX/XX/XXXX and a balance of {$6.00}. 


XXXX Unsecured loan with account # XXXX  opened on XX/XX/XXXX and a balance of {$18000.00}. 

XXXX Charge account with account # XXXX  opened on XX/XX/XXXX and a balance of {$1400.00}. 

Collection account from XXXX XXXX XXXX with account # XXXX  and a balance of {$1400.00}. The original creditor is XXXX XXXX. 

Collection account from Unknown with account # XXXX  and a balance of {$49.00}. The original creditor is XXXX XXXX. 

I couldn't apply for a home loan because of all of these negative credit items on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, TransUnion has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 According to the 15 U.S.C. 1681 section 602A. States I have the right to privacy. This address does not belong on my credit report XXXX XXXX XXXX XXXX XXXX Ga XXXX The only address that should be on my credit report is XXXX XXXX XXXX XXXX Ga XXXX