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

My complaint is on Experian. My husband and I have been working on our credit for awhile now. We have spoken with credit experts and have been doing all of the things we can to help our score go up. We are trying to buy a house we have been since before the housing bubble popped. Our credit took a nose dive after 2009. But we 've been working on it, like I said. My husband 's score has been going Slowly up for months now. Mine have also Except for Experian 's. I called and spoke to Experian for 3 HOURS trying to find out what I could do to raise my score even ONE point. They explained to me that they do n't have any type of record in what my score has been. That the only way they could help me is to buy their membership. I did and they still would n't tell me things like what can be done to help my score. They would n't tell me or send me information on the formulae to which is used to come to my score. 
Now I used more than 30 % this past month for XXXX and I 'm still paying everything, yet Experian sent me an email stating my score had DROPPED 29 point, ..29 POINTS?!?! When I worked for months monitoring and paying and keeping low balances and my score did n't move a SINGLE point! 
FICO is supposed to be a part of the FAIR Credit Act are they not?! How is it FAIR credit scoring when there is NOTHING I could do to make my score jump UP 29 points in a single month but it 's completely possible to jump DOWN 29 points in a single month ... and Did?? 
That is NOT Fair Credit Scoring! 
As Americans we trust that our governtment, especially when they are supposedly monitoring for fairness, that they ensure that Fairness! 
My husband and I are good people. We do n't mind playing by the rules. We are hardworking American citizens and we deserve to just be treated fairly to the rules we follow, ourselves. 
I am sending a copy of this to my state representative, as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account with credit acceptance with the CFPB back in XXXX and they told me via the cfpb that they requested this account be removed in 60 days, but its XXXX and it is still reporting!
Product: Money transfer, virtual currency, or money service

On XXXX XXXX ' 2017 a mobile phone was purchased by me from a private seller through a reputable marketplace website ( XXXX ). The seller responded after the payment was made ( via PayPal Credit ) that the phone did not power up during his pre-shipment inspection. I acknowledged the issue and and we both decided that a refund would be appropriate. The seller did not refund the money. I opened a dispute case through the marketplace website. When this did not help I opened a dispute with PayPal Credit ( Case XXXX ). On XXXX X'2017 the seller finally responded stating that he can not refund the money since PayPal has already frozen the disputed funds in his account ( effectively withdrawing the money from his account ). On XXXX XXXX'2017 PayPal informed me via email that my case is under review and that I should get a response once the review is completed. Om XXXX XX'2017 I called PayPal Credit customer service to inquire as to the progress of my case review. A representative stated that the money is currently being held by PayPal pending final resolution. I stated that there is nothing to resolve since both the seller and the buyer agreed to the refund and neither party is disputing the refund and demanded that the money be returned to me immediately. The representative stated that they have a 90 day time frame fro " resolving '' such issues and refused to discuss the issue further.
Product: Credit reporting or other personal consumer reports

To officially notify XXXX XXXX  XXXX, TransUnion and XXXX maintained information on my report as a consumer reporting to companies what was knowingly false : Example XXXX XXXX XXXX Creating a mixed member file block. Wrong name still posted ( XXXX ) and wrong data ( XXXX  XXXX files ). Preventing an accurate financial picture. 
Per XXXX XXXX the correction is inhibited and a ticket was created to fix mixed member and remove XXXX. 
A followup was made on this and XXXX was to correct this in XXXX hours due today Saturday XX/XX/year> ; the issue is not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Letter I sent on XX/XX/XXXX was my XXXX letter writen inrforming the Credit Bureaus that I am a victim of identity theft and I write to dispute certain information in my files resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information that some Credit Bureau provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. I scpificaly highlighted to importance of the FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I need the following items removed from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXXXXXX Balance Owed : {$150.00} US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

We paid off our mortgage with Huntington Bank XX/XX/2020. We did not receive our 1099 by XX/XX/XXXX. It was not available on the website, so we called XX/XX/XXXX. We were informed that it would be mailed to us. As of XX/XX/XXXX, we still hadn't received it, so we call back. They inform us that there is nothing that they can do and that they can just tell us the information over the phone. They are unable to upload the form to the website nor overnight it to us.
Product: Mortgage

In the month of XXXX i logged onto rocketmortgage.com to make my monthly XXXX payment i then noticed that the payment it showed due seemed as it was doubled ( {$1600.00} ) since it was towards the end of the month ( XXXX or XXXX ) i assumed that it was for XXXX and XXXX so i made my normal payment in the amount of {$900.00} about a week and half later a got a credit alert showing that I didnt make my mortgage payment I immediately called rocket mortgage and was told that i was sent letters in XXXX about lender placed insurance because my homeowners policy had lapse, I explained to the rep that my insurance never did lapse for i pay out of pocket personally i then asked my insurance agent to send over the docs needed to prove coverage was never lost In the meantime of this while trying to make a payment the site is saying that i owed a total of over {$2000.00} for the month of XXXX, i explained to the reps that I dont have this amount of Money to pay and they manually took my payment of {$900.00} over the phone because the website would only allow me to make the full payment of over {$2000.00} Finally rocket mortgage got everything corrected with the homeowners policy they dropped lender placed insurance and credited me back the funds they charged me for the lender placed insurance however they are saying that my account being in default doesnt allow me to pay my insurance on my own and has to be escrowed which has my payment more than the {$870.00} which was what the agreement was when loan was opened in XX/XX/XXXX I have received 30 day lates on my credit report due to this issue for XXXX and XXXX I would like these removed asap this was no fault of mine
Product: Credit reporting or other personal consumer reports

XXXX XXXX There are several accounts from this company, but this particular account does not belong to me. I am formally requesting its removal from my report, as I have never been late on any payments. 

Account Number : XXXX Balance : {$2700.00} Date Opened :XX/XX/2019 Fraudulent Collection I have no knowledge of this company, nor did I authorize the original creditor or collection agency to use or obtain my information. Please delete this account from my report. 

Collection Agency : XXXX XXXX XXXX XXXX XXXX  Balance Date :XX/XX/2024 Original Creditor : XXXX  Account Number : XXXX Balance : {$510.00} Fraudulent Inquiries :XX/XX/XXXXRequested On : XX/XX/XXXX XX/XX/XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX REGIONAL ACCEPTANCE Requested On : XX/XX/XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX TRUIST DEALER SERVICES Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX CAPITAL XXXX VIA DEALER Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX Requested On : XX/XX/XXXX XXXX XXXX Requested On : XX/XX/XXXX CANNON XXXX XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XXXX Requested On : XX/XX/XXXXXX/XX/XXXXInquiry Date : XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXX) Inquiry Date : XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXXnquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX, XXXX XXXX & XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX  XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX  XXXX XXXX My name is XXXX XXXX XXXX My phone number is ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

i am a victim of XXXX  trafficking and i am filing a 605c cliam to support my cliam in this matter
Product: Prepaid card

Long story short RushCard member, severly impacted by this transitional glitch, been with access to my savings and payroll for 9 days, customer service disconnects after 1+ hours of hold time, lies to me and causes more problems. Been trying aimlessly to have this fixed but when one problem is fixed another arises. I am finally at a point where my card is showing active, my balance is XXXX $ off but close enough considering its XXXX $ i have on this card yet i still have absolutely no access to it. No pos purchases no atm in or out of network and no news of hen i will be able to access it. 
I already discontinued my payroll direct deposit for next week and plan on closing the acct when i get my money. Problem is im a single dad with XXXX kids, i work hard to support them without government assistance. I can barely make it as is let alone dealing with this mess. Please help please
Product: Credit reporting or other personal consumer reports

This is my 4th endeavors 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, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX  XXXX Balance : {$74.00} XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX  XXXX Balance : {$74.00} XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$4200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXXBalance : {$760.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This university is trying to charge me twice for a debt I already paid to the VA office for my post XX/XX/XXXX education benefits. I have attach the proof that I pay it below with the XXXX balance from the va XXXX XXXX XXXX. I have talk this university serval time in XXXX and XXXX because its still showing up my credit report and it should not be there at all.
Product: Credit card or prepaid card

This was a closed account at XXXX when PNC took it over. I had made a compromise agreement with XXXX to pay a balance on a closed account under their terms and at a lower interest rate. XXXX did not allow me to pay online, so I mailed all payments when required. The minimum payment for the last few months have been {$13.00} or {$14.00}. When PNC took over the account, they raised the minimum payment to {$27.00}. I called the bank and after a XXXX hold, a representative named " XXXX '' told me that I had been mailed a notice of the change in terms by PNC. I do not believe PNC can change the terms to which I agreed with XXXX on a closed account. I understand that if XXXX could force me to mail checks to Alabama, PNC can probably force me to mail checks to Pennsylvania, even though this costs both of us more money. But it would be nice if they were more customer-friendly.
Product: Credit reporting or other personal consumer reports

I was checking my credit report after helping my son with XXXX expenses and I saw that an account was opened in my name at XXXX XXXX and was late in payments. 
I have never opened an account with this company and it should not be on my credit report. 

It was a loan for {$2800.00}, not sure of the exact amount. 

When I contacted them, they told me that they would open an investigation of this account and how it got there. 

The XXXX XXXX Police Department has also opened an investigation and have found the person that did this crime. It needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX/ {$160.00} / XX/XX/2022 XXXX / {$540.00} / XX/XX/2022
Product: Payday loan, title loan, or personal loan

I was called by a collector, I did not recalled this account. I was trying to make an arrangement even though I did not recalled this account being mine. XXXX XXXX XXXX offered me payment options and I told her I was only able to pay the original amount of the debt she stated I will inform that you refused to pay this debt and I told her I was not refusing but I did not have the amount she was asking for. XXXX XXXX proceeded to get upset and told me you should pay your bills in a nasty way and hanged up. 

today I received a call from a different person about the same matter and I simply asked to see paperwork on this " debt '' and the guy who did not say his name started saying they sent it to an address I don't live at and stated my date of birth erroneously so I inquired for black and white proof. 

the called went off because I don't have signal where I work and he called back telling me he was going to report me as a direct refusal and told me to stop playing games. 

I called back to try to report this behavior and they transfer my call to the agent who again repeated I was playing games and I was going to be reported as a direct refusal of payment. 

I have no knowledge of this account and I was trying to get clarification. I felt harassed.
Product: Debt collection

In accordance with the Fair Credit act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX Collections accounts XXXX {$3500.00} XXXX XXXX XXXX XXXXXXXX XXXX {$1900.00} XXXX XXXXXXXX XXXX  {$1200.00} XXXX XXXXXXXX XXXX {$780.00} XXXX XXXX XXXX {$710.00} XXXX collections accounts XXXX XXXX {$1900.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX  {$3500.00} XXXX XXXX {$780.00} XXXXxxxxxxxxxx {$710.00} XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$610.00}
Product: Credit card or prepaid card

In XX/XX/XXXX I had a charge from XXXX  for XXXX that was supposed to be refunded. Unfortunately it was never refunded. I provided evidence that it was supposed to be refunded via an email from XXXX. I opened a dispute in XXXX proceeded to prove via email and also provided the transaction ID and tracing information. The dispute was ruled in favor of build. 

An additional purchase was made with build for XXXX for a dishwasher in early XXXX, a dishwasher. This was delivered but defective/damaged and returned during the delivery. XXXX stated it was not returned. No additional evidence could be provided, but again was ruled as a valid transaction via discovers dispute process.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I was on the website XXXX attempting to access my yearly free reports. I was able to obtain the XXXX  Report with no problem. When accessing the Experian/XXXX systems, the screen froze. I was only able to hit the back button, it was indicated I received both reports. I had not. I tried to log onto the system again. The system said I had already received the reports and I couldnt go any further. This glitch happened last year to me as well. I wish they would get this fixed.
Product: Student loan

Navient Loans. 
I am outraged. My sons student loans are due. He spent 2 years at XXXX  at a very high rate which you know has went bankrupt and ( we singed for a parent loans ) it appears we can't get forgiveness for, since he left when he had received an XXXX XXXX then left. Then when things piled to Navient I spoke with them multiple times. They suggested to consolidate our parent loans, which we did. I also applied for debt driven repayment since they suggested it may lower my payments to near {$100.00} per month since I work & my wife is XXXXon SSI, total income around {$50000.00}. Taking their suggestion I applied for the income driven option. They let it sit for a near 2 months. I finally had to call, once I got through They found they had theapplication and nothing had been done with it for quite some time.

In the interum we were informed that his student private loans would be absorbed by Navient I was informed it would be reviewed and I would here back within 48 hours. I did here back within the time limit. When my son logged into make a payment. He found our payment had went from near {$340.00} to a full {$500.00} a month and his secondary student private loan from {$140.00} to {$200.00}. A large difference between what I was led to believe. I further looked and the first {$500.00} payment in total was applied towards the interest, not a dime to the principal. Even though Navient assumed my Son 's private student loan wihtin my account they could answer no questions as to why this payment went up even though I could completely see the charges and payments within Navient 's site.

Concerning my sons private school loans magically after being forced into Navient his payments went form app {$140.00} a month with {$76.00} dollars going to the principal, to the second month {$46.00} going to the principal to his latest payment {$26.00} going to the principal. 
Navient has no idea why, even though they took over the loan. As far as XXXX everyone hwo attended it appears was taken advantage of and thus everyone involved should be able to get some kind of relief. Any help you can provide is appriceated and our Senators should be taking the lead in helping our kids and our budgets. Ths loan system should " NOT BE '' a for profit system.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts : XXXX  XXXX XXXX Balance : {$720.00} XXXX XXXXXXXX Balance : {$130.00} CB INDIGO XXXX Balance : {$320.00} XXXX  XXXX Balance : {$5400.00} XXXX  XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} The aforementioned accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report.
Product: Mortgage

I have been trying to re-finance my mortgage in order to get cash out for remodeling the house. For some reason when they did the title search a 2nd mortgage came up that I know nothing about. I have never received a bill or any notice from them saying that I owe this and I have no idea how it ever got attached to my property and have never had any communication with them. There is nothing in my current loan documents that show that I ever took this loan out. Please see the attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out because I recognized some inquiries that I do not recognize. I reached out to the agencies to get this removed from my credit report and haven't received anything back from them. This is hurting my score and I would like this off my report please
Product: Checking or savings account

On XX/XX/XXXX funds were taken out of my account as instructed through online billpay. The amount was XXXX which went to XXXX XXXX  and was received on XX/XX/XXXX. The funds have yet to be located by XXXX XXXX and my XXXX payment has yet to be posted to my account. XXXX XXXX   has the trace number and this has been an ongoing issue of researching where the funds went and they have yet to resolve this. I filed a complaint to suncoast fcu for them to put the missing funds back in my account so that I can pay my mortgage and to this day they have yet to do this. I desperately need my funds to pay my mortgage and avoid foreclosure. I have been receiving debt collections notices and foreclosure threats along with being reported as 30 days late to the credit bureaus. I reached out to them about two weeks ago and there is no time frame of when I can expect to have my funds placed back in my account. I asked if this could be expedited and was told I would hear from them within 24 hours and its been weeks now.
Product: Debt collection

Learning to read my credit report I discovered items that was not mine I tried to dispute but after talking to the credit bureau they advised me to contact federal commission because it was identity theft