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

XXXX XXXX XXXX refuse to even allow me to my account access online, mail services only. It's been over a month no response regarding the illegal financing of vehicle on credit report at 3 time the legal rate. 2nd Joined Experian to monitor credit monthly for a fee of course, I go on-line after getting a email stating good news about my credit, to find out all scores has dropped out the blue. I've paid, closed out account disputed accounts paid sent in proof to all 3 credit agencies, to show in fact items paid. Thru my banking information which is also verification of payments of all bills that don't reflect on credit. Just the fact credit was ran for services or credit which has also affected credit. XXXX XXXX has knowledge of illegal action by several agencies running credit without consent or permission due to illegal actions of XXXX XXXX illegal financing. Make a long story short because i'm been filing complaints with hopes to strengthen credit to buy a new home in the future. I cant do that with my credit score dropping every 15 days XXXX point unexplained unless I pay. I'm sick of it! I've been tracking every bill with hopes of resolving. XXXX is just there to support the negative reporting on reports. I've never had a utility bill shut off in 19 years of paying bills, no credit for that. XXXX XXXX bill paid every month in advance but will reflect last payment 2020 are you serious, but my phone on. Its just the small negative actions of the bureaus. 12 inquiries on reports of illegal actions of finance agencies are still on my report as if I said run my credit because XXXX XXXX finance my car at 3 times the amount, well I didn't. Its just sicken, how to be look down upon thru credit even tho you try to show your a responsible person or gain trust of others by making payments. It's just like giving a dog a empty bowl, knowing he hungry. I paid out my whole stimulus with hopes of bettering my credit to be treated as if .I don't matter!
Product: Mortgage

We wanted to pay our Escrow ourselves starting in XX/XX/2019. It is XX/XX/XXXX and they are still taking money and putting it into escrow. We have contacted them each month to discuss the issue, and they will not resolve it. On the phone, they understand ( sometimes ), they have made mistakes, but when the bill comes in the mail, it is still not correct. Getting through to them on the phone has been an issue as well. Each person is new and does not understand the history behind the loan. 
We need to resolve the issue so NO escrow is taken from our account.
Product: Credit reporting or other personal consumer reports

i am a XXXX XXXX XXXX XXXX please refer to attached documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX XXXX.I do not have a contract with Midland Funding. They did not provide me with the original contract as I requested. 

If after reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX Account Number : XXXX TransUnion / XXXX XXXX XXXX XXXX XXXX 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 TransUnion / XXXX / XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The name of the company is called XXXX XXXX XXXX, however they show up on my equifax and XXXX report as XXXX XXXX XXXX. THEY ARE REPORTING ON BOTH MY EQUIFAX AND XXXX THAT MY ORIGINAL BALANCE FOR MY LOAN IS XXXX. They are currently reporting that I still owe XXXX and that my last payment was in XXXX. This is deceptive/ incorrect information as I pay them XXXX XXXX monthly and have paid in full as of XXXX, XXXX AND XXXX. $ XXXX. Which means I current owe {$94.00} and this needs to be reflected on both reports immediately. The payments are on autopay every two weeks. This company is very deceptive, unprofessional and shady, Ive asked to speak to supervisors on XX/XX/2022 and was told I can only speak to one supervisor per day. This company has also taken money from my account without my permission and then told me I had to wait 3-5 business days after theyve taken money from me. Please update my credit report correctly.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed that I had some inquiries that I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inaccurate information on my credit report with XXXX, XXXX  and Equifax and on several separate occasions they take longer then the 30 days to process the disputes and have all told me if the creditor says its valid they will not remove the information even though the creditors can not and refuse to provide documents to myself or any of the credit bureaus validating the debts. 

Ive requested debt validation paperwork and written information to be provided to me in regards to their reasoning for denying my dispute and they refuse to send me information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft since 2019 and I have put my complaints and reports in but I'm not being contacted by anyone to help me with anything and I keep getting hacked everytime I get a phone and new service and when I make an account with anything and all the money I have been waiting for, I can't get or anyone to help me with anything dealing with me having to be responsible for paying for others stealing my information and identity and using it to get unemployment and taxes and I have paid Lexington Law 3 times for me to still have bad credit and things not removed and XXXX has data breaches and I have never been reimbursed for all the money and things that I have lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion fails to remove {$200.00} XXXX closed account charge off. I contacted XXXX to address this issue and theyre trying to charge more money than amount due. Credit agency fails to remove this off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Trans Union several times requesting them not to share my Transactions and experiences with third party companies. They keep saying that there information is validated. I have explained to them that I never ask them about validation. They keep violating my consumer rights. This illegal reporting has damaged my reputation. It has caused harm and to my family and financial damages. The are LEAGALLY OBLIGATED to remove such items from my consumer reports.
Product: Credit reporting or other personal consumer reports

i have expressed to target over and over that this account was run up by an ex. I made several attempts to get this individual to pay the debt but they refused. The card was used without my knowledge and by the time I found out it was too late. Like I said before if I was personally responsible for the charges I would have made arrangements to negotiate and pay it off. All I ask is that Target please understand that I was a victim of identity theft and at that young age, had no idea what to do. Now that Im older and understand clearly what happened I would like to fix this because it has been extremely harmful to my life and way of living. I have also noticed that its not just me having issues with Targets way of doing business. I need this account removed completely from my credit report. The original documents havent been verified or sent to me by law.
Product: Student loan

HI, I submitted my PSLF loan forgiveness application in XXXX. It is now XXXX, and I just received a letter saying that a signature needed to be resubmitted. I have done so, but am trying to find a way to have this not take another 6 months to go through the system. Hoping for help to bring this to their attention and not further slow down my application for aid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute with TransUnion Consumer Reporting Agency, Conformation # XXXX of the dispute. 

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. 

Diversified Adjustments Service # XXXX, XXXX XXXX  # XXXX Dept Of EduXXXX XXXX XXXX XXXX, ( two accounts ), XXXX  XXXX XXXX XXXX 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. 

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

I have tried to remove my inquires that where done by some scammer or something i still dont know but I have 71 inquires on my credit report and the only ones I acknowledge is XXXX. I have spoken with Experian and they tell me to write the creditors but they refuse to delete them even after I have told them multiple times it wasnt me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I spoke to a representative from XXXX XXXX who was the reporting company over a collection from XXXX XXXX XXXX. I discuss this account with her and she said this account been closed since XXXX of 2020  and was reported to all agencies for removal. Nevertheless all reporting agencies have report this account as a derogatory on my credit report. I am not aware of why it is still being reported.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the charge off account listed on my credit report. According to the Fair Credit Reporting Act ( XXXX XXXX XXXX ), I have the right to request that inaccurate or outdated information be removed from my credit report. 
Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/2022 Amount : {$1000.00} I believe that this charge off account is inaccurate because settled and does not match XXXX or XXXX I am requesting that this charge off account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act. Please provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccurate information.
Product: Debt collection

Account listed was a fraudulent account opened in my name by my ex husband. I paid the account in an attempt to remove it because I thought it would be the quickest way to resolve the matter. Since that time I have repeatedly asked them to remove the information and they continue to deem my communication letters to them as frivolous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letter after letters since XX/XX/XXXX of last 2018 to remove bankruptcy 's from credit profile to experian and they refuse time and time again, i have sent reports from XXXX XXXX stating no bankruptcy records are on my file, and letter from the clerk of federal court stating they dont verify to any 3rd parties or to credit bureaus any information on bankruptcy 's and also a letter from pacer stating the same. XXXX   along with XXXX does not show any bankruptcy or account involving bankruptcy. As of today they refused to remove and or speak with me on this matter. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove information from the consumer credit file. They are suppose to have only 15 days to do this they have had over 7 months to remove and have not.
Product: Money transfer, virtual currency, or money service

I have been receiving harrasing phone calls at XXXX - XXXX daily and that is ILLEGAL, This is NOT unacceptable time to call anyone. I have scheduled multiple payments and the money was removed from my bank account and then returned a week later because the transaction was canceled. Every time a transaction is canceled i am NOT notified at all and are un aware until the next billing cycle when Sallie may says i am past due! I have contacted them over 6 times and talked to multiple people and supervisors and explained the issue and they just argue with me and say i never made the payment. The problem is with their bank not mine. I have explained to them multiple times the issue and they simply lack the capability of understanding because they just argue with me about the issue. The say to make a payment online with a debit card but that is not an option. The only payment option is ACH bank transfer which involves entering my bank account and routing information. At this point it is a waste of time to try and speak with anyone. I am now taking screen shots and pictures to prove what is happening and if their is no solution then i will be taking this to court and suing them.
Product: Credit card or prepaid card

I returned an item for exchange ( {$77.00} ) to XXXX  in XX/XX/XXXX The item was credited for the return in the amount of {$55.00} on my statement dated XX/XX/XXXX Shipping and handling fees totaling {$22.00} were applied but I was waiting for the replacement to arrive before I paid anything else. 
The replacement item never arrived but in the meantime they applied late fees and finance charges every month for months. 
They sent me to collection by XX/XX/XXXX and were harassing me with phone calls for several weeks. They coerced me into agreeing to an electronic payment out of my checking account. I thought it would be for only the shipping charge but they did an electronic debit on XX/XX/XXXX in the amount of {$71.00}. 
We finally got someone on the telephone weeks later to investigate the charges. Next thing we knew, a refund had been applied to my account on XX/XX/XXXX for the amount of {$71.00}. 
No communication from the company as to why or what their findings were other than the credit, so we assumed that the matter had been closed. 
In XX/XX/XXXX, I received a new statement stating both CREDIT BALANCE REFUND {$71.00} as well as NEW BALANCE {$71.00}. This did not make sense. 
I called ( with the help of my daughter, who has Power of Attorney ) their Customer Service department on XX/XX/XXXX and spoke to three different people. The first person ( I believe his name was XXXX  ) said yes, he could see the problem on the account but couldnt help me. He transferred me to someone named XXXX who informed me that the refund was a mistake and that we still owed the balance but could not explain what that mistake was or why this would be true. 
Over 45 minutes later I was transferred to someone named XXXX ( Badge # XXXX ) who still could not help me. As a result, we sent written PoA information with a letter confirming details of the dispute in XX/XX/XXXX. 
Within a month ( XX/XX/XXXX ) I received confirmation that they had received my dispute and said they would notify me of their findings. I heard nothing. 
The bills continued to come in each month with no other communication. 
Now the latest bill ( dated XX/XX/XXXX ) has ballooned to {$270.00} and they are again threatening me with collection for an item that was returned for exchange and no replacement ever issued. 
In XXXX, I offered to pay the original shipping fee of {$22.00} but they will not respond to me other than sending more invoices. I do not want to pay until I have it in writing that they will close this matter permanently once the original shipping charges have been paid.
Product: Debt collection

National Credit Systems XXXX XXXX XXXX XXXX, GA XXXX XXXX # XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Dear Debt collector I received a debt collection notice from your office. I am writing you to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please Supply me with a copy of any contract or agreement signed with your company.

In accordance with the Fair credit Debt collections practices act, I request the following information : 1. The name and Address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, Including evidence that a contract exists creating the amount you claimed is owed.

3. Documentation of all assignments showing transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securized the debt.

5. Documentation showing the assignments of the debt From the original creditor to secured trust and them back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report. 

Please state your permissible purpose for accessing my credit information. I dispute your right to do so.
Product: Debt or credit management

Lexington law did absolutely nothing on my credit and I was paying {$120.00} for 9 months now Lexington law is in a class action lawsuit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call companies several times to which they have transferred me several times and they finally hang up on me. Here is the list of inquiries : Transunion : XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Over the past several months beginning in XXXX Gateway One Lending and Finance has been making repeated harassing phone calls to me. I had spoken to a representative informing him I was in the process of moving because of my husband 's car accident. I informed the representative I was actively looking for employment, however my next payment would be late. Once I became employed in XX/XX/XXXX, I again contacted gateway one, this time informing them I had become employed, however I would not not be able to make a payment until XX/XX/XXXX as the employer held the first to weeks that would be made available XXXX I left the job. I was instructed to make the payment via XXXX once I got paid as the payment was already late, to which I agreed. As agreed upon I made a payment to Gateway one on XXXX/XXXX/XXXX. However, gate way one although telling me to make the payment via XXXX proceeded to try and withdraw the monies from my bank account without my consent. I have never had my car payments automatically withdrawn from my account, but when paid online ( which occurred seldomly ) I would elect one time payment. Although the site insists the information is not stored it had been and my account had been illegally accessed by Gateway forcing it to close as I had not monies in that account. Gateway one insisted I had given a representative permission to withdraw the monies from my account and the conversation had been recorded. When I asked to hear the recording or receive a copy I was told I needed a court order. For several months I have been receiving aggressive and harassing phone calls from Gateway, multiple times a day. I was even receiving calls at work although the payments were being made. I requested several times that Gateway refrain from contacting me and my employer, however the calls continue. My position was later eliminated and I spoke with XXXX XXXX a Manager at Gateway One informing him I was actively seeking employment. He informed me I needed to make a payment, which I told him I would be trying to borrow the monies to make the payment on XXXX/XXXX/XXXX ( I was able to borrow the monies and make the payment ). I reminded him I had requested the telephone calls stop as I was engaging in job interviews and although my phone was on vibrate, representatives continued to call during the interview. Gate way one representatives have also come to home, and began calling my sister ( XXXX/XXXX/XXXX ) insisting that I had given them the ok to reach out to her and discuss sensitive information. I have never given representatives my sisters number and want to know how the number was obtained. I would like some intervention with this company as their behaviors and tactics have escalated far beyond simple debt collection, but intentional, manipulative, embarrassing, and aggressive harassment.
Product: Credit card or prepaid card

I made a phone payment and they sent me a bill for a higher amount stating it was past due. This is so wrong it 's unbelievable! They are extorting fees on me again! I can not do business or trust this company!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian located in XXXX, Texas has refuse to remove a Loan balance from my Credit report. I have made an attempt to get my Credit Score from Experian and they refused saying I do not have not enough Credit in my Credit file to obtain a Credit Score. There is one item I am still being haunted by is the XXXX XXXX XXXX Charge-off. On the Credit report I received ) n XX/XX/XXXX the Original Balance reported to Experian from XXXX XXXX XXXX was {$17000.00}, but the balance in XX/XX/XXXX had dropped to {$15000.00} as of XX/XX/XXXX. Therefore, that means payments were being made to the purchased of the Loan. On XX/XX/XXXX I received another Credit Report from Experian Credit Bureau stating the Original Balance was {$17000.00}, but the recent balance as of XX/XX/XXXX was {$16.00}, XXXX. That does not make any common sense. Experian has not been communicating with XXXX XXXX XXXX Services at any time. XXXX has the Loan being re-finance and the Payments dropped from {$400.00} a month ( the original amount at the tome the Loan was signed ) to {$300.00} per month without XXXX XXXX nor Me as the Co-signer the XXXX XXXX was re-finance as of XX/XX/XXXX which is illegal. I do not see a change amount of the re-finance on the Experian Credit Report I revived on XX/XX/XXXX. I Have Reasons to Believe Experian is making up amounts as a Debt Collector would do, and I never knew the three Credit Bureaus has the Authority to collect Lenders Debt. I have written XXXX XXXX XXXX XXXX ( XXXX ) Certified Letters since XXXX of XXXX to XX/XX/XXXX, but no one has answered any of my concerns. I have asked for a complete Payment History and the amount the car was sold for after the car was picked-up. XXXX knows I am entitled to that information by Laws. I have recorded several phone calls I made to XXXX XXXX XXXX with a call back telephone number, but no one has called me back. Since I know XXXX XXXX payments were paid on the Loan @ an amount of {$400.00} per month, so that means that My so an I are due a refund, because we paid more to XXXX XXXX XXXX XXXX was reported on XXXX and My Credit File . The total amount that was paid on the Loan from XX/XX/XXXX to XX/XX/XXXX was {$20.00}, XXXX.