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

On XX/XX/XXXX, I submitted a dispute for an inaccurate account furnished with Experian from the company XXXX XXXX and it came back updated the same day with no changes made. Experian opened the dispute on XX/XX/XXXX, and then it reported back the same day XX/XX/XXXX " Updated ''. I disputed the fact that the account has been closed since XXXX of XXXX, but the account was still reporting activity every month up until currently. From my understanding once an account is closed that should be it, but if the creditor is still furnishing information on the account on a monthly basis wouldn't that be considered re-aging or even fraud? For the most part the account balance is reporting incorrectly. The Fair Credit Reporting Act stated in 15 USC 1681e ( B ) 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. The only thing Experian has done was falsely " update '' the account. Nothing changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now
Product: Student loan

My original lender was XXXX XXXX and my loans were turned over to Navient where they went through several changes and went from stafford to private loans without my consent. They have gone from subsidized to unsubsidized repeatedly without any explanation. They are listed multiple times on my credit report. They are listed as XXXX XXXX, US Department of Education, and some as Navient. They each have multiple listings for the loans and I ca n't make any sense of it. I have been turned down by lenders due to the inconsistency on my credit reports with my student loans. Under the Navient website they have multiple loans for multiple amounts which I do not recall taking out, many of which have the same disbursement dates which I do n't understand if it was disbursed on the same day then why is n't it just one loan instead of multiples? This is very misleading and when I went to set up payment arrangements. They are charging me more than they stated they would charge me.
Product: Debt collection

Switched my phone service from XXXX to XXXX XXXX and cancelled my account over the phone with XXXX back in XXXX of 2018 with my current account at a zero balance and have had phone service with XXXX XXXX since XXXX of 2018. 

My account with XXXX has been closed for a year and I do not have any services from them of any kind. 

I have no idea what these charges are all about.
Product: Credit reporting

I have repeatedly submitted evidence to Equifax demonstrating an account " XXXX XXXX '' they are reporting as " part of bankruptcy '', was NOT included in my bankruptcy. I have included a copy of my bankruptcy schedule ( attached ), to show it is not included. ( BOTH XXXX and XXXX removed the bankruptcy information listed on this account, immediately, upon first request. ) I have now disputed at least 3 times with Equifax and they refuse to remove this incorrect information. Equifax has the physical evidence that they are incorrectly reporting this information, and yet they willfully and deliberately continue to. They have received evidence via certified mail as well as uploaded online. Attached is a copy of my most recent letter to Equifax , and all supporting documents provided to them, ( the same as was provided to each of the other XXXX credit reporting agencies. ) This deliberately and incorrectly reported information is drastically affecting my life and is tantamount to fraud. I respectfully submit my complaint against Equifax in hope for assistance in fixing their harm. Thank you.
Product: Credit card

On XXXX XXXX we purchased a tv from Costco for {$790.00} in XXXX, California. We were told Costco had the best warranty so we used our Citi card to make this purchase. On XX/XX/2023, I lost my balance standing next to my tv and accidentally hit it with my elbow causing lines to appear on it, the tv no longer works at all. That same day, I reached out to Costco via their live chat on their website and told the employee what happened and asked if it would be covered, she said yes. I asked even if it was something we did by accident, she said correct. We followed all of the troubleshooting steps provided, but the tv still wasnt working properly. On XXXX XXXX we were notified that it would not be covered and would cost approximately XXXX XXXX dollars to repair. We reached back out to Costco and got transferred around via phone for over an hour. Nobody wanted to help rectify this or take ownership. We got a supervisor by the name of XXXX who listened to us and said she apologized we were given wrong info and would look into a compensation. This was on Thursday, XX/XX/XXXX. We gave her a few days and still didnt hear anything. On Monday, XX/XX/XXXX, we reached out via live chat again to get XXXX which took so much work. We asked for a supervisor right from the beginning and they kept saying it wouldnt be covered. We were already extremely frustrated at that point. XXXX sent an email the next day and stated there was nothing that could be done and she basically said that we misinterpreted what the first live chat representative said which is incorrect. I went to social media finally and got an email to reach out to. I sent in everything including screenshots. We were still told nothing could be done and they would make sure to talk to the employee about providing us with wrong information. At the end of the day, we need a new tv and want this to be rectified. If we are told something will be covered, then it should be covered. Costos customer service is absolutely awful and I hope nobody has to ever deal with this type of situation.
Product: Credit reporting

I pulled up my credit file with Experian and found a Law firm called : XXXX inquiring my credit report without my knowledge. 
I think these folks have been doing it for years. 
Experian XX/XX/XXXX XXXX Experian XX/XX/XXXX XXXX Experian XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : TRANSUNION : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$780.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$780.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Mortgage

On XX/XX/2019 I logged into my citimortgage account to pay my monthly bill of {$1100.00}. According to my lenders citimortgage website, a transfer in the servicing of my mortgage loan has taken place. Big surprise to me. I am unable to make my usual citimortgage payment online and have been directed to contact XXXX. 

Due to my work schedule it has been difficult for me to reach XXXX and upon registering my loan with their website I receive an error message stating that XXXX has no recognition of my loan. 

I was not notified by citimortgage of this transfer. I was not given notice.
Product: Debt collection

I hope this letter finds you well. I am writing to address the late payments listed on my credit report. Upon reviewing my credit report, I noticed that there are instances of late payments, and I would like to provide some context and request your assistance in rectifying this matter XXXX XXXX  XXXX.
Product: Debt collection

I dont owe this amount my lease was up and I didnt renew it due to all the issues I had while living here such as windows seal shut a fire of the boiler a leak that cause a big hole in the laundry room that was never fixed I moved out and do not owe this amount NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Date Opened XX/XX/2022 Responsibility Individual Account Account Type open Loan Type XXXX XXXX Balance {$3300.00} Original Amount {$3300.00} Original Creditor XXXX XXXX XXXX ( XXXX ) Past Due {$3300.00}
Product: Payday loan, title loan, or personal loan

I signed up with this company and was misled as to the rates and fees that would be attached to this '' line of credit '', which effectively acts like a running payday loan with ridiculous fees. 

I have paid the principal amount of the loan ( {$480.00} ), and requested that the account be closed and considered paid in full. This was in an email sent on XX/XX/2018. 

The company insists that their practices are legal due to them operating on tribal grounds, and that California 's consumer protection laws are not applicable to them. This is in an email reply from them on XX/XX/XXXX. 

Their statement in the legality of the line of credit : " MobiLoans , LLC ( " MobiLoans '' ) is organized under the laws of the Tribe, is owned and operated by the Tribe, and operates exclusively on land owned by the Tribe. As such, MobiLoans is an " arm of the Tribe, '' and entitled to sovereign immunity and therefore not subject to any state laws. '' I'm not sure what else to do. Any help you can provide will be greatly appreciated. 

Thank you
Product: Mortgage

Late XX/XX/XXXX found out from my township that my XXXX property taxes were not paid and that XXXX XXXX would begin XX/XX/XXXX. Informed Amerisave Mortgage about issue and sent updated tax bills. on XX/XX/XXXX, received a confirmation back via email. Money is clearly available in Escrow account. I have not missed or been late on any mortgage payments. 

XX/XX/XXXX - Called Amerisave Mortgage to follow up. They said they had no record of receiving bills. Again, sent copies and received confirmation back via email. Was told is should be resolved by XX/XX/XXXX and an email would be sent when the issue was resolved. 

XX/XX/XXXX Followed up as taxes still not paid. Elevated to Supervisor, Escalation requested by supervisor. Was told to check back the following week. 

XX/XX/XXXX Followed up as taxes still not paid. Elevated to Supervisor, Escalation requested by supervisor. Will not transfer to Escalation or Tax or Escrow departments. ( no way to contact ) XX/XX/XXXX Followed up as taxes still not paid. Elevated to Supervisor, Escalation requested by supervisor. Will not transfer to Escalation or Tax or Escrow departments. ( no way to contact )
Product: Debt collection

inaccurately reporting on my credit profile. I do not owe on this debt
Product: Money transfer, virtual currency, or money service

i have a issue with paypal system. 

my paypal account was blocked becouse i received {$10.00} dollar. 

Now, the system has place a permanent limitation on my account. 

XXXX Limitation ID XXXX Will paypal review my account again and tell me what they need for help me to resolve my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete all The Hard Inquires from my credit reports Exsperian there is a total of 6 hard Inquires on my credit report that I don't recognize. 
XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX DXXXX XXXXl Inquiry date XXXX XXXX XXXX  XXXX Inquiry date XXXX XXXX XXXX XXXXs Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXXs Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Inquiry date XXXX
Product: Payday loan, title loan, personal loan, or advance loan

They help with the remaining of my balance but they took at lite of fees and interest that I shouldve had to pay. They cheated me out my money for 10 years
Product: Debt collection

I noticed a new collection on my report as of XX/XX/2022 for a collection that is already being collected by XXXX XXXX for the same amount from the same creditor. I contacted the credit and also disputed the debt due to duplication and not receiving notifications about the debt in order to dispute it. So far I have not received any communication written, email, or any other type including phone calls regarding the debt. The company without any warning placed a collection on my credit without notifying me.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 card or prepaid card

I never used the card fully but was still making payments but when i tried to pay monthly membership fee it would t allow me because they had already started to close off the account.
Product: Credit reporting or other personal consumer reports

I was also apart of the us citizens that has been exposed. The FCRA or There goes Fair Credit Reporting Act ( FCRA ) : Regulates how credit reporting agencies collect, share, and use consumer report data Fair Debt Collection Practices Act ( FDCPA ) : Protects consumers from being harassed or deceived by third-party debt collectors Truth in Lending Act ( TILA ) : Protects consumers against inaccurate and unfair credit billing and credit card practices Fair Credit Billing Act ( FCBA ) : Enables individuals to dispute unauthorized charges on their accounts Children 's Online Privacy Protection Act ( COPPA ) : Protects the privacy of children. According for the FCRA ACT YALL AHVE TO FIX MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Broad issue - A doctor 's office that I had used incorrectly referred a bill to a collection agency ( XXXX XXXX XXXX ), who subsequently reported the placement to the three major credit bureaus. This bill had been paid before it was ever placed - because it was placed in error, XXXX XXXX XXXX  stated that they would fully delete the collections account from all three bureaus ( see confirmation letter attached ). 

Both XXXX and XXXX XXXX completed this deletion within ~24 hours. Equifax did not, and instead reported it as paid/XXXX balance, but continued to leave the record intact. I initially disputed this with Equifax on XX/XX/XXXX. Unlike the other bureaus, they took until XX/XX/XXXX to reply back and to let me know that they were only reflecting it as paid ( not deleting it ). I  thought they must have missed the point around deletion, so submitted another dispute on XX/XX/XXXX, including the letter from XXXX XXXX XXXX attached here. On XX/XX/XXXX, they responded that the debt was verified as mine, and therefore they would not change the reporting. They are completely missing the point and the evidence that the entire tradeline/collections report is invalid. 

I am currently in the middle of a mortgage refinance that is being held up by this issue, and am considering filing a lawsuit against Equifax to resolve this. I don't understand why the other two bureaus can resolve it so quickly and smoothly, while Equifax repeatedly ignores the evidence submitted. I also called their customer service line, and got multiple agents that ultimately provided no help at all. 

I want this trade line deleted, as it should have been in the beginning, and as XXXX XXXX XXXX has confirmed that they processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, Experian, XXXX, and XXXX has violated my federal consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

According to the 15 USC 1681 section 602 A States I have a right to privacy. These addresses do not belong to me : XXXX XXXX XXXX XXXX, La XXXX XXXX XXXX XXXX. XXXX, La XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, La XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX XXXX XXXX  XXXX, La XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX