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

I requested that the incorrect information on my credit reports be deleted. They can not find record of my loan because the original creditor ( XXXX XXXX XXXX ) has sold to a new company ( XXXX ). The new company ( XXXX  ) requested that I fax the complaint to them after stating that the do not have the records. I complied with this request and faxed it on XX/XX/XXXX. They will not respond. I have since disputed with XXXX  and Trans Union but they say the information is accurate and do nothing to resolve the situation.
Product: Debt collection

Port Folio Recovery Associates- Harassment They have continuously call me at least 3 to 4  times a day from various numbers. Sometimes it is from an unknown number, but now they have representatives using their own personal cell phones. They call and immediately hang up. Once you call back, they will identify themselves to discuss a debt, but will not answer your questions. I tried contacting them at XXXX and the representatives are just as rude. Their immediate response was they have not call my number since XX/XX/XXXX. DO NOT TRUST THIS COMPANY!!! This company is relentless!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this item with XXXX on or around XX/XX/XXXX. They gave me an expected date for my results for XX/XX/XXXX. I never received any updated emails, as they said I would. I gave XXXX a call on XX/XX/XXXX asking for the results of my dispute for XXXX/WAL-MART. The young lady I spoke with, stated they have been sending me emails of updates, but I have not received one email from them. She told me that Walmart has last reported this account on XX/XX/XXXX and it will not be removed until XX/XX/XXXX. She stated if I wanted this account removed, I would have to get in contact with Walmart. I called Walmart and spoke with XXXX, who told me that account was closed on their end and he doesn't know why XXXX can not delete this account. He said there is nothing else he can do about it and it is out of his hands. I have not used this account since XXXX, and it was closed XX/XX/XXXX. I don't understand why XXXX lied about emailing me updates. Also, why is XXXX saying the company is reporting the account, when the company said they are not.
Product: Credit card

This is new information that I received from the my local police department in NJ. I advised that I did no make these charges to this Synchrony Card/Amazon . the card was used in California and by fictitious people. I got a " Closed investigation letter '' from Synchrony bank. I tried to contact the investigator XXXX XXXX several times, her answering machine is not updated and have left my name and number for them to contact me. The balance has been since forward to a collection agency and have since dropped my credit scores. The CFPB case number is XXXX. I received the Police investigation results in XXXX of XXXX, and wanted to share the results with Synchrony but they have failed to follow-up on my telephone calls. I will include the new police reports. Again I did not make the charges on this card.
Product: Checking or savings account

There are unauthorized transactions by merchants that I have done business with in the past or have never did business with. I would file a claim with Navy federal credit union and I would either get a response a few hours later or sometimes a day later stating my claim has been resolved and there was no error found on my account due to previous transactions or account activity and they close the claim without further written or verbal correspondence or evidence that charge was legitimate. I dont even think Navy federal is actually investigating their claims they just send an email and close the claim.
Product: Debt collection

I have several medical bills in collection from a company called Bull City which are not mine. I was never hospitalized or seeked medical attention at any of the times listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing again this complaint to CAPITAL ONE I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status, charges and etc, but they keep on telling me that no errors on my report which in fact this account is totally fraud because of illegal and unauthorized charges. It's even more than 30 days past to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 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. It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following advice that it is now possible to put a freeze on my credit report with all credit reporting companies, I tried to do this with Experian on XX/XX/2018, but although I gave them all the information they needed and checked it for completeness and accuracy, they are putting me through hoops by refusing to comply and requesting that I send them any amount of additional information through the mail. I thought putting a freeze on credit reports was now supposed to be easy.
Product: Credit card or prepaid card

My USAA credit card has several built in benefits it advertises including satisfaction guarantee ( Return protection ). I filed two claims in XXXX ( claim XXXX and XXXX ). The first was rejected as the benefits center stated I had exceeded the annual number of claims allowed ( 4 ). This was an untrue statement as I had only submitted two other satisfaction guarantee claims within the preceding 12 months. I called the benefits center to clarify and was told it would be reviewed and corrected. It never was. Most recently when I inquired again, I was told it was denied as being outside the term limit. That was not the case either. The second claim was reviewed and I was requested to send in " salvage ''. I was waiting for the first claim to be reviewed so that I could send both items ( shoes ) together to save on shipping. Then the second claim status updated to say I had exceeded the annual cap. Again, this is untrue.I have two other claims for satisfaction guarantee on this card in the preceding 12 months : claims XXXX and XXXX. I have had no success with the benefits center after repeated attempts to get this point across.
Product: Debt collection

complaint number XXXX The bill was not included and here it is now. Show clearly I shut off on the XXXX of XXXX which is when bill generated. I was told its one day in billing cycle and they would as a courtesy date back. I thought the bill was uploaded and it was not.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX XXXXXXXX XXXX XXXX XXXX XXXX WA, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, OR, XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXX XXXX, XXXX, OR, XXXX XXXX XXXX XXXX XXXX, XXXX, OR, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, WA, XXXX
Product: Student loan

Never fully explained, unemployed, after repeated requests to XXXX XXXX they would only allow forebear ancestors and loan ballooned to $ XXXX Need help please ca n't afford this I am a XXXX Vet XXXX year old female.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have read over all the documents that was sent to me, my middle name is not on the documents they provided a address that never belonged to me and looking over all the paperwork that was sent to me the accounts balance is wrong.. theres three different balances from the beginning of the car loan and you cant have a balance when a account is closed and this account is merged with XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans are affecting my Credit score on two credit reporting websites including XXXX and Transunion. On XXXX XXXX I was pre approved for a credit card by XXXX XXXX and denied due to my scores reflecting my school student loans that should be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 : XXXXXXXX XXXX XXXX, Account # : XXXX Account name : XXXX  XXXX, Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name XXXX XXXX XXXX, Account # : XXXX Account name : XXXX - XXXX XXXX, Account # : XXXX Account name : XXXX XXXX  XXXX Account # : XXXX -15 U.S.C. 1681 section 602 A. States I have the right to privacy.

-15 U.S.C. 1681 section 602 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 the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sorry but I have already made a claim with your office but I have new documentation so I was told to redo my claim. On  XXXX   XXXX    XXXX   I disput ed 1 BK and 6 Tax Liens on my  XXXX . They removed 1 BK 5 Tax liens ( with cfpb 's he lp ) on  XXXX   XXXX .   XXXX   but back on the BK a few days later.   XXXX   also sent me a lett er ( attac hed ) stating that I do not have a BK on  XXXX   XXXX . Then sent me another letter on the same  date ( a ttached ) saying I do have a BK a nd 1 tax lien. I hav e attached a letter fr om the County Clerk 's   office stating they do not report to credit bureaus yet my report states  XXXX   XXXX   XXXX  reported to them. This seems to be incorrect report per the  Federal Laws.  I have attached proof of the information stated.
Product: Credit reporting or other personal consumer reports

I printed out my statement from affirm stating my accts are paid in full. 2 accts pain in full. Both accts being denied updates. Their failure to repair my report is causing financial harm.
Product: Debt collection

G.c services is a company that is working on its XXXX I ask them to validate this bill where I sign paperwork they send me a letter stating that they will tell all 3 credit bureaus to delet this off my report and it is still reporting to my report XXXX and XXXX I have the letter from this company proof and they still wont remove it when I call to delet and I sent the letter to the credit bureaus the amount is XXXX open XX/XX/2018 I told them this is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I called Navient today to make a complaint because they are not permitting me to renegotiate the interest rates on my private loans. My loan balance is more than {$100000.00} and has not changed despite my monthly payments. Due to steadily increasing interest rates, my monthly loan payments have increased from approximately {$500.00} to almost {$800.00} in less than 2 years. I am deeply concerned about their practices which feel predatory and unreasonable, especially to someone with a low-income background who was the first in her family to go to college.
Product: Credit reporting or other personal consumer reports

I disputed an account my best buy ending in XXXX to XXXX  and XXXX  on XX/XX/year>. The account is not mine and now it is recording as late payments which is making my credit score drop. Ive sent an additional dispute for those on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX MISSIONLNTAB XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

FILE # XXXX PLEASE SEE ATTACHED FRAUD AFFIDAVIT TO HAVE THE XXXX CREDIT CARD ACCOUT OPENED ON XX/XX/year> ACCOUNT # XXXX. BALANCE {$1600.00}. ACCCOUNT IS NOT MINE AND IS FRAUD. ALSO REMOVE THE FRAUD DISPUTES ON MY CREDIT FILE. DO NOT ADD FRAUD ALERT I HAVE A CREDIT FREEZE.
Product: Credit reporting or other personal consumer reports

XXXX mortgage company bought our loan from our original mortgage company, ( who we had no issues with ). We have had nothing but problems with XXXX mortgage. 
All our monthly payment were made before or on the due date until XXXX of XXXX  when they misappropriated our payment and did not post it correctly to our account. 
XXXX other months I made extra payments or double payments to try and rectify their allegations and bring our account current and get it straightened out. Then they started playing with the standard monthly payment amount to further complicate things. When we paid off more than 50 % of the mortgage, we removed the escrow because I was paying the insurance and taxes on our own, once a year. They still continued to take escrow amounts out of our payments until I called and asked why. 
The people working for this company are overseas and do not speak very good XXXX and are basically reading from a script and can not help with financial aspects of the loan. 
I have sent my spreadsheet to the review and research dept at XXXX mortgage company in hopes that someone there can make some sense of what they did. 
In the meantime, we are trying to buy another house and move out of the area where we are living, for better living conditions. When we applied for our loan we found out that XXXX mortgage company had ruined our credit rating and now we are not able to get a loan for anything. We are very upset about this because we have always kept our bills paid up and do not carry any credit card debt or other high cost loans. We have {$800000.00} in real estate we are selling and will more than pay for the price of the new house. 
We do not feel this is fair to ruin our good credit over something that was not our fault to begin with and would like this company investigated and our good credit rating restored immediately. 
Please advise if you can help us with this mess. 
Thank you.
Product: Checking or savings account

A total of about $ XXXX was taken from my account in agreement of exchange for a XXXX XXXX. Money was sent to the vendor, however the vendor is requesting more money before sending the XXXX, even after accepting previously sent funds. I have contacted the vendor with no response. When notifying the vendor that I will dispute the charges, my account was blocked from messaging him
Product: Credit card or prepaid card

I paid a  XXXX  {$750.00} o n    X/XX/17  for  treatment that I was supposed to receiver on   XXXX   XXXX   over the following three weeks. During th e third and final s ession I realized that he was only treating  XXXX  of the  XXXX   XXXX . When I pointed this out to him he jumped up, got my chart and read his notes. He apologized for the mistake and treated the other  XXXX   XXXX . At the end of the appointment I mentioned that we would have to schedul e  XXXX  more appointm ents so that those  XXXX   XXXX  would receive a total o f  XXXX  tr eatments. He replied, " No, that wo n't be necessary. '' When I realized that I had already paid for treatment that I did not get I disputed the charge ( I had paid with m y Visa card ).  XXXX   credited my account {$750.00} " temporarily '' until they could review the disputed charge. They subsequently wrote to me and told me the they had closed their investigation and reversed their credit. They gave me no reason for their decision. I believe I am entitled to the credit.
Product: Credit reporting or other personal consumer reports

My account with US DEPT ED was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. US DEPT ED never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer report
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the inaccurate reporting of multiple late payments by these creditors to TransUnion. Their records incorrectly show several payments as late, even though they were made on time. This misinformation is unfairly damaging my XXXX XXXX and causing unnecessary frustration.
Product: Student loan

I have loans with Navient, formally XXXX XXXX. This company is ridiculous. They do not try to help in any way. Every time you call and try to get help with lowering your payments they tell you there are no options at this time and give you the option of putting your loans in forbearance. I my loans are currently up-to-date and they still will not help loyal customers. People have life changing events that happen and they still do not want to help. The amount of money that you pay is outrageous and the interest rate is unbelievable. This company sucks in so many ways.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I disputed with XXXX, XXXX, and XXXX on XXXX XXXX Account number : XXXX. FCRA XXXX and FDCPA XXXX ( b ) state that the creditor MUST enter a notice of dispute. If this is not entered, the account must be deleted. This is violations of both FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to dispute inaccurate information on my XXXX  Credit report. I have sent several letters asking them to please send copies of documents that they have in their file to verify the accuracy of the accounts, and they have ignored all of my attempts in this matter. I am entitled to know this information, and have requested it several times. The only thing I get back about the account in question is account remains. 
I have also reached out to Southwest Recovery Service and asked for the same information and have failed to get that information from them, since they have been the ones that have supposedly verified the information. The account in question is Southwest Recovery Service Account # XXXX. I have no knowledge of this account, but because account is attached to an address that's already on my credit report, this is how they so called verified it. XXXX   has an address that is not even a valid address in the postal area in which its listed. I went to the post office to inquire about this address the manager advised me it was not even a valid address. they said because it was also attached to an account that is showing on my credit report it has to say.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XX/XX/2023XX/XX/year>, XXXX MORTGAGE XX/XX/2023, XXXX XXXX XX/XX/2023 & XXXX MORTGAGE XXXX  XX/XX/2023XX/XX/year>