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

I consolidated my student loans back in 2017. Prior to consolidation I had a forbearance and no payments were due yet. After consolidating my loans with XXXX they reported 8 or 9 separate loans in addition to my large consolidated loan. They also reported 2 to 4 late payments on each one of the smaller loans for the months of XXXX and XX/XX/2017. This information is not accurate by any means and has held my credit score down significantly for the past 6 years. I have been denied for a mortgage to buy a home and have been paying a ridiculously high interest rate on my car payment as well, all due to the falsely reported 17 late payments of 120 day past due. Upon disputing this with the credit bureaus they closed all of the small loans that were consolidated, however they did not correct the inaccurate late payments. My payment amount each month is {$0.00} due to the income driven payment plan, therefore there is zero percent chance my payments were late. After they closed these small consolidated loans they then duplicated my large consolidated loan which is roughly $ 38k, which is now on my credit report twice along with an additional loan amount of roughly $ 16k which is part of what has already been consolidated. I should only have 1 consolidated loan in the amount of roughly $ 38k and all late payments, all 17+ late payments need to be removed. I have never had a payment amount other than {$0.00}. This is my last attempt at correcting this issue before I seek legal proceedings. These errors have cost me thousands of dollars already and have held me back from pur heading a home for my children as a single mother. Please fix this!
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and used to open fraudulent accounts with XXXX XXXX XXXX. XXXX XXXX XXXX has closed the accounts and sent letters to Equifax requesting removal of the fraudulent credit inquiries showing up on my Equifax credit report. Despite multiple disputes with Equifax, they are still not removing these two fraudulent credit inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refused to remove a debt reported by XXXX XXXX and provide me with details about the claim. This claim was removed by XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and fraudulent accounts have been opened in my name without my knowledge or authorization. These accounts have been reported to my Experian, XXXX, and XXXX credit reports, negatively impacting my credit profile. 

The fraudulent accounts include : XXXX XXXX ( Credit Card Account ) Opened on XX/XX/XXXX, Balance : {$450.00} XXXXXXXX XXXX XXXX ( Auto Loan Account ) Opened on XX/XX/XXXX, Balance : {$36000.00} XXXX XXXX ( Credit Card Account ) Opened on XX/XX/XXXX, Balance : {$730.00} I did not authorize these accounts, and they are the result of identity theft. I have already taken the necessary steps to dispute these fraudulent accounts, including : Filing an FTC Identity Theft Report Notifying the credit bureaus ( Experian, XXXX, and XXXX ) in writing Submitting a dispute with supporting documents ( including my government-issued ID, proof of address, and identity theft affidavit ) Despite my formal disputes, XXXX and Experian have failed to remove these fraudulent accounts from my credit report, violating my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Because of these fraudulent accounts, I have suffered damage to my credit score and increased financial stress. These false accounts have made it difficult for me to apply for legitimate credit and financial services. I am being unfairly held responsible for accounts I did not open.
Product: Checking or savings account

I received a welcome package from TD Bank today, XX/XX/XXXX21. 
Inside were three checkbooks with a welcome letter. 
I was surprised to open this because I have not opened any such account. I immediately called TD Fraud department where they advised me that the account had been opened online around XXXX XXXX, 2021. I never opened such account online or in person. I was advised by TD fraud department that Drivers License and SS number were both required in order to open up this account, neither have been used by me for this purpose so someone has stolen my identity to do this. TD assured me they were going to be doing a full investigation, and instructed me to contact the credit bureaus and also the FTC.
Product: Prepaid card

Its been 10 days and counting that Rushcard left me with no access to my account. To make it worse the put my direct deposit into a card that was reported stole three years ago. I went to pay my bills and everything was rejected, My car ins cancelled. MY car pmt is due soon. MY cell phone is about to shut down and that not all I have no money and the gas in my car will last probably 2 more days. I believe that this company was hacked and they are lying about the accounts being fixed. I computer glitch does not take 2 weeks. Customer service number keep hanging up. I was following twitter to see what is going on. Rushcard says if you send a direct message that someone will call. I did that 3 days ago. 2 days I get a text saying someone from rushcard will contact me shortly. I have not heard anything. They keep posting that the problem is fixed, but I 'm still locked out of my account. I lost XXXX paycheck and money I had saved. I managed to changed my direct deposit to another account, but they are holding a lot of money, that no one know when it will appear. 
they also saying that he lost the money in investments, that rushcard is about to close and that in a couple of months we will receive all our money in a form of a check. I wanted to go to school in XX/XX/XXXX and I needed to hold my seat before the end of this week. Well that is not going to happened. I gon na miss out on going to school.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint already and they responded by saying there will be no response for 60 days. Then they mailed me a letter saying they don't have enough information, and that I should call them. So I immediately called them, then I had to sit through a tedious menu and even listen to an advertisement before I could speak to someone. That person knew nothing and proceeded to ask the exact same " verifying '' questions that I just answered to the machine. They are not serious, and they are taking advantage of me. They have created some sort of fiefdom based on zip code and don't think they need to respect my rights as an American citizen. It is disgusting. Then the guy argued about the necessity of compensating me for my time. I'm not a slave, I don't have to waste my time answering your asinine questions again and again if you aren't compensating me, XXXX. Then he just went silent and didn't respond, but didn't hang up the phone. I told him I'd wait until the call reached 10 minutes ( was about 8.5 minutes in ) to see if he actually had anything to ask me, as the letter stated, and there was no more response. I ended the call at 10 minutes. 

Let it be known that I have NEVER in my entire credit history even made a single late payment on ANYTHING until I was ROBBED in broad daylight by a highly regulated financial firm. PAY ME!!!!!! NOW!
Product: Debt collection

I have routinely gotten collection calls for a XXXX or XXXX XXXX at my home phone # ( XXXX ) XXXX for several years. I am not XXXX XXXX and I do n't know a XXXX XXXX. I have told this to the callers, but eventually after some time, the calls start again. The latest from ( XXXX ) XXXX started just this month, XXXX robocalls XXXX, XXXX & XXXX. Although in XXXX, I got XXXX calls asking for a strange name and told them they had wrong number, where upon they told me they would correct their files. 
I called the number this morning asking that they verify this debt as I want to get to the bottom of this, so I can stop this harassment once and for all. This person was the one that told me the person 's first name was XXXX. She also said that maybe this person used my home phone number as the reason I getting these calls. She then referred me to ( XXXX ) XXXX I left a message there, asking that they send all documentation to my office fax or email. I also sent an email to this company, Receivables Performance Management, asking for the details. Again, I want all of these calls to stop and if I know who the original creditors are, I can deal with them directly. As I am the one getting the phone calls for this woman, I have a right to know why.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keeps reporting inaccurate information on my account every single month, it is supposed to be a charged off account yet the balances keep changing keep increasing decreasing and is signficatanly hurting my score with the inaccurate information and reporting of a closed account every month. Within the last 3 months they have removed the account, increased the amount, decreased the amount then now increased the amount. According to the fair act they are supposed to report accuarate information and they have not, please delete the account as it is signficantly hurting my score.
Product: Mortgage

During these times I went out to PHH Mortgage to see about a forbearance on our loan. The plan they have is criminal. Yes, they let you slide on 3 months payments but then at the end of the forbearance period ( 90days ) they want it paid back IN FULL along with a regular payment ... basically 4 months payments at once! WOW, if one could accumulate 90 days of mortgage then why would I need a forbearance? What should be done is to just add the 3 payments/months to the end of the loan. This plan they present is not a help but nothing more than what a loan shark would do. This needs to be stopped. It is a recipe for them to foreclose on the loan. No one who is having trouble could make that huge payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the bank and they agreed to remove the account from my report due to fraud. Please have the account stated below removed from my file completely. 

XXXX XXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, RI, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX, XXXX, RI, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several fraudulent accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. 

Here are the items I am asking you to verify as accurate : XXXX | XXXX XXXX XXXX XXXX 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 After your investigation is complete, please send me the results via mail.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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

I have an account that I was trying to dispute experian is not letting me dispute item item has been there for 7 years there is no info to contact to contact creditor its comenity bank mandee.
Product: Debt collection

Got a XXXX  XXXX XXXX bill in the mail stating I owe {$290.00} from XXXX XXXX XXXX XXXX service date XX/XX/2020 and I never had a bill in my name ever and never lived here or know who lives/lived at this address
Product: Mortgage

I was shocked when reviewing my credit report in regards to a late payment reported in XX/XX/2019. I am not sure what had happened. I believe all my payment to be made on time. My thought is that a statement was never received. As soon as I became aware of the issue I quickly resolved the issue and have been on time since.
Product: Credit reporting or other personal consumer reports

I looked at my Credit Report XX/XX/2024 and noticed some things are incomplete & not accurate. I sent a letter to experian XX/XX/2024 & asked them to investigate the completeness and accuracy.I received the results and noticed they did not fix nothing.They are breaking federal laws. 

According to 15 USC 1681e ( b ) it states this ( 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 information concerning the individual about whom the report relates.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 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 reporting agencyshall ( i ) promptly delete that item of information from 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 or deleted from the file of the consumer. 

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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

This is unfair and want this to be fixed
Product: Mortgage

The entire refinance process was a nightmare. After selecting XXXX Bank because the company is local, found out AFTER closing through an email that I would be serviced by Homepoint, located in XXXX. Never heard of the company throughout the refinance process. Homepoint email directed me to : " Register or login now at XXXX to view your loan information, schedule mortgage payments, access escrow details, view statements, and more. '' I do not want to expose personal data with a company I never heard of. Just want a monthly statement and payment form sent to me so I can pay by mail. I'm considering selling my house to get away from this unknown mortgage company. I know is legal to sell mortgages, but XXXX should have disclosed that they intended to sell it and to whom. Early in the process I had spoken to XXXX XXXX Residential Loan XXXX and XXXX XXXX XXXX XXXX of Residential Lending, XXXX, both with XXXX Bank. Clearly stated to both of them that I was considering XXXX because it was local. They did not inform me and neither did XXXX XXXX, XXXX Attorney who handled the closing.
Product: Debt collection

On I discovered ( JEFFERSON CAPITAL SYSTEM ) had been re-inserted into all my three-credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification, without my knowledge of this account. I've proof of account was deleted and reappearing. Please delete this item immediately.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

This started in XX/XX/XXXX I lost my job. I started a temporary job making {$4.00} less per hour XX/XX/XXXX to XX/XX/XXXX. We were paying the current mortgage but were unable to catch up the two months we were behind. At that time we were one to two months behind on our mortgage. I called the Freedom Mortgage company in XX/XX/XXXX/XX/XX/XXXX and explained the current situation. They told me I should do a loss mitigation packet. Then in XX/XX/XXXX I hurt my XXXX and was unable to work and we started to get further behind. 

I sent a packet myself with no assistance to them. They responded saying I needed to redo 4506-T. I complete the form with a customer service rep from Freedom Mortgage. I sent the mortgage company this for and my taxes from XXXX and XXXX, The mortgage company responded by sending me a new packet and the 4506-T form was still incorrect. 

Freedom then sent a letter stating we needed to go to a HUD housing place to assist me with the loss mitigation. In XX/XX/XXXX made appointment with XXXX XXXX XXXX. They submitted the packet and the mortgage company continually asked for information we had already sent. 

I requested a meeting with XXXX in XX/XX/XXXX. I was still getting notices from Freedom. I then received a letter hand delivered to my door trying to see if we live there but it was not stamped. XXXX suggested we do a whole new packet. I did not understand why that was needed. They had contacted Freedom but was unable to explain what was going on. 

In XX/XX/XXXX we received a foreclosure from Freedom. I contacted Neighborhoodworks asking what we should do what was happening. He did not know and was also frustrated with Freedom. We asked to be referred to another agency. 

I was referred to XXXX ( XXXX XXXX XXXX ). We sent another packet. The did respond saying 4506-T was incorrect and we need to send taxes XXXX, XXXX, XXXX. In XXXX to present Freedom has refused to accept our current mortgage payments. So as of today we are now behind six months. Additionally an individual who was from Freedom and wanted to take pictures and verify we lived at the house.

Freedom officially accepted the loss mitigation packet in XX/XX/XXXX. We were verbally informed that Freedom had made a decision and emailed it to us. The letter supposedly stated we would need to {$2300.00} per month to catch up. Our original mortgage payment {$890.00} including taxes and insurance. 

As of today XX/XX/XXXX we have yet to receive anything from Freedom nor has XXXX. We believe they are trying to take our house. It is unclear why they will not continue taking payments while we work through this.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I accidentally accepted an offer from Experian for an account upgrade that would cost {$25.00}. At the time my credit score was XXXX. Two minutes after realizing this, I called customer service to cancel the paid subscription and keep the free one. Again, this is on the same day and after seeing my error, I jump to correct it. After canceling the paid account, on XX/XX/year>, my credit score went to XXXX. There wasn't anything to justify the XXXX-point drop. I was unable to speak to anyone at Experian about the sudden change. I can only dispute information from other companies that report to Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX on several occasions. First for several inquiries that I was not aware of on my report plus being a victim of one of the millions whom information was stolen. I advised them that one account on my record is not mines because I do not have a contract with XXXX XXXX XXXX. I am not liable for collection of this debt from XXXX XXXX of {$990.00}. I am not responsible for this debt so please deleted it from my report. I have contacted XXXX on XX/XX/XXXX, XX/XX/XXXX and they will not removed nor verified the information. I have sent in an inquiry dispute letter on XX/XX/XXXX they sent me a letter stating it was completed on XX/XX/XXXX. I called in to ask why was it completed because there was no way it only took one day to verify the information. I submitted another dispute on XX/XX/XXXX and the same thing completed same day. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer  reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. Thanks in advance I have also added a fraud alert to all my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX failure to accept Federal Truth In Lending Act Striking a balance : when to extend the right to rescind under three years which occurred between XXXX XXXX and me. The the XXXXXXXX XXXX XXXX XXXX tow my car for a ticket. Was been forced to paid {$3500.00} with legal reasons. I informed XXXX XXXX. We both agreed that they would get the ticket paid for at {$350.00} and agreed to renegotiated contract attached voided the original car note as a provision. 

That contract was executed and XXXX XXXX reporting deragotory information on my credit up to date. They have the car and was released of all debts with proof attached.