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

In early XXXX I attended an online class at XXXX XXXX located in Arizona for a couple of weeks. I was eventually dropped due to my attendance and my program director dropped me before I could be held 100 % liable to repay my student loans that I have taken out. In other words, my financial aid was cancelled and I owed nothing to them. On my credit report though they reported twice that I owe them from my first starting date even though my financial aid records stated that it has been cancelled and washed away since I was cancelled before I could actually owe anything. I disputed the information with Experian and provided the necessary documents but they ruled in the loan agency favor and never said anything as to why even though I sent them what my financial aid office has sent me during this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023 XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX website is not allowing me to dispute inaccurate information. 
XXXX is no longer in business and has reported inaccurate information on my credit report. I disputed on XXXX website and had received an error. I was given the fraud department phone number, then the consumer complaint department and then finally a dispute number. It's a game of frustration getting anything done. I submitted a FTC report and also a valid identification on my credit report. Its made to wear you down and not resolve any issues one per day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email alert regarding an inquiry of my credit report that I haven't authorize. I don't recognize that inquiry. I call TransUnion and they said they can not erase that inquiry from my credit report. I asked them to start an investigation and they refused. 

The inquiry : XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX ( XXXX ) XXXX Requested on : XX/XX/2019
Product: Credit card or prepaid card

I have had my us bank reliacard I was receiving my unemployment benefits on hacked into & every time Ive called to try to resolve they tell me theyll send me an email and I need to go thru that link to reset my account but they 3 times now never send the email. I started having money taken off account but say if make a XXXX $ purchase with card really XXXX $ would come off and I would at first get all my text message notifications and when I would call an explain they would tell me that i was getting those notifications bc while a charge is pending it would notify me but the $ would be put back after it cleared it didnt make sense. Like once I had a XXXX XXXX charge made from a whole other state for like XXXX but the week before I made a XXXX XXXX  purchase for XXXX I was told that was the same charge every time Id call they talked to me like I was really ignorant. I explained that my account was hacked into once before by an ex and the lady reset my account and everything was fine. It started I couldnt log into my account online or on my app no matter what I would do it would keep telling me my information was incorrect to check it but I only have 1 ss number and birthdate it didnt make sense. Im assuming its so I couldnt view my transactions. Then I ordered a replacement card that I never received but instead I received like 4-5 notices about my address change that I made but that wasnt me I have to use my dads address by I dont have 1. Then I started receiving less and less text alerts so Id call the XXXX number & every time I had to re enroll in the text messages. Then suddenly I stopped receiving them altogether. It tells me on the automated message that Im signed up to receive them but I actually dont anymore. This happened to me around XXXX. I havent been able to get anything fixed Ive actually had to almost argue with customer service by when I try to explain the situation they do nothing to help fix this its been very stressful and has caused me extreme anxiety and XXXX.
Product: Credit card or prepaid card

I GOT PAID ON XX/XX/XXXX. I FORGOT THE DATE I CALL TO REPORT MY CARD LOST OR STOLEN BUT THEY WERE SUPPOSE TO SEND ME A FORM TO FILL OUT. DIDN'T GET THE FORM UNTIL XX/XX/XXXX. I FILL OUT AND FAX THE FORM BACK. ON XX/XX/XXXX XXXX I WAD TOLD I AM ONLY GETTING XXXX BACK. AFTER THEIR INVESTIGATION. 
I WENT TO THE LOCATION WHERE THE FUND WAS TAKEN OFF MY CARD THE DAY AND THE NIGHT MANAGER SAID NO ONE HAD ASK, CAME BY OR CALL REGARDING MY INVESTIGATION. 
THE CUSTOMER SERVICES LADY TOLD ME THAT THEY DO NOT GIVE BACK MONEY THAT WAS TAKE BY A PIN # AND BECAUSE MY MOTHER, WHO IS XXXX OR MY DISABLE CHILD MIGHT HAVE DONE IT. 
MY PIN IS WRITTEN ON THE BACK OF THE CARD, FOR MY CHILD CAN USE IT, WHEN I TAKE HER OUT. SHE DO NOT AT ANYTIME GO OUT WITH ANYONE BUT ME. ANYWAY I NEED MY MONEY. 
THEY ASK FOR A POLICE REPORT AND I DID MAKE ONE AND GAVE THEM THE NUMBER. I WOULD LIKE TO SEE THE DOCUMENTS THEY HAVE TO PROVE THEY DID AN INVESTIGATION. 
ACCOUNT XXXX
Product: Debt collection

They keep calling. If I answer somebody talks sometimes but sometimes they just hang up. If my answering machine picks up there is never a message. Calls early before XXXX after XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My FCRA 15usc 1681 and HIPAA rights have now been violated and no one has done anything about it. I sent in written requests, but the credit bureaus keep losing my inquiries. Additionally, they are not updating my credit file that anything is in investigation, so it is as if they are purposely ignoring my requests. This is a violation. I was supposed to receive updates after 30 days and I should be able to see the accounts that are actively being investigated with a current status update, but this is not the case, and it has been more than 45 days. The current status of the dispute should have been recorded. Please do something about these 3 violations and they are getting away with committing toward me. 
The accounts that have no updates at 45 days and still have incomplete and inaccurate information on my credit file are the following : 1 ) XXXX XXXX XXXX XXXX Acct # XXXX account dates are different on XXXX XXXX XXXX and Experian, since it is inaccurate and still incomplete this should have been removed no later than XXXX. 
XXXX ) XXXX XXXX XXXX : Acct # XXXX, Acct # XXXX, Acct # XXXX and Acct # XXXX these accounts amounts are different on two of the credit bureaus. And one doesn't have an amount listed even close to the other two. This is completely inaccurate and should have been removed or updated within 30 days. 

This is illegal and goes against the very Law book they advise they adhere to. No one responses to me in a timely manner, they do not update my current account status and they do not correct inaccurate and incomplete information. 

HELP.
Product: Credit reporting or other personal consumer reports

Ongoing FCRA Violations and Credit Reporting Discrepancies on my credit reports with XXXX, TransUnion, and XXXX, specifically related to the charge-off account with the account number XXXX, originally held with XXXX XXXX XXXX . 

Despite multiple disputes and XXXX XXXX 's confirmation that the account is not currently reporting, it persists on my credit reports. XXXX XXXX 's response on XX/XX/XXXX, clearly stated that " the credit bureaus are not displaying this account on your credit report. '' However, subsequent disputes with the three major credit reporting agencies ( CRA ) have yielded inaccurate verifications. 

This situation is further exacerbated by the XXXX representative 's statement on XX/XX/XXXX, asserting that XXXX XXXX needs to confirm that the account is no longer reporting to them not me. I find this perplexing, given that I have provided XXXX with my dispute letter to XXXX XXXX and the corresponding response, yet the account still reports as verified. 

Furthermore, the discrepancy in reporting among XXXX, XXXX, and TransUnion raises serious concerns about the accuracy and consistency of the information they rely on. If XXXX XXXX asserts that the account is not reporting, why do all three CRAs independently verify its presence? 

I want to bring to your attention three critical issues that require immediate resolution : 1. **Expiration of Reporting Period** : The XXXX XXXX charge-off account has exceeded the permissible seven-year reporting period under the FCRA. It should have been removed from my credit reports upon reaching this time limit. 

2. **Verification of Reporting** : Pursuant to the FCRA, I request verification of the accuracy of this charge-off account. Please provide the necessary documentation to substantiate its legitimacy. 

3. **Sold to XXXX XXXX** : This account was sold to XXXX XXXX , making it a violation of the FCRA to continue reporting it under XXXX XXXX XXXXs name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed that you could help me with some things that are on my credit. I reached out to the police and and also I was told to contact the FTC and I did. Can you please have these items taken off. These are the accounts that are not mine, 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 complained to Experian that my credit report went from XXXX down to XXXX after I reported to them I had paid off a vehicle in full and before the time was due. Because Experian was too slow in reporting that I had paid the vehicle off in full and before the time was due, apparently the third party that handles their credit reporting by the way is not in the United states, screwed up. There are like XXXX credit inquiries that all have the same date. I mentioned to them that that was totally absurd and inaccurate. I said how could that be over XXXX inquiries with the same date XX/XX/year>. See screenshot? Experian will not fix it nor will they return my credit score back to around XXXX like it was before I let them know I paid the car off. There is no US based help center. Everything is handled overseas XXXX, XXXX you name it XXXX. They are very condescending and rude. I went to the website and complained there and nothing has been fixed in XXXX XXXX time. Experian should be sued and the complainant should be compensated. Not the state not the US government. The complainant.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt has surpassed the statute of limitations. The date of last of activity was XX/XX/XXXX, the SOL is 3 years in maryland, yet it still appears on my credit report despite me contacting the company several times. This company is inaccurately reporting on my credit report a payment made in XXXX however, no activity has been made on this account since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX XXXX only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$11000.00} XX/XX/XXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Unknown fees removed Zelle payment being made to wrong person and I was not aware i could get money back
Product: Credit reporting, credit repair services, or other personal consumer reports

1. ) Account Status : TransUnion is reporting this account as " CLOSED ''. And XXXX  is reporting this account as " PAID ''.

2. ) Payment Status : TransUnion is providing the credit bureau as " CURRENT ''. While XXXX is reporting the account as 120 days late.

3. ) Date of Late Activity : The Date of Late Activity is over 6 years old, which is a violation according to the FCRA. This Date of Last Activity should be current and up to date. A lot of information has changed within those 6 years.

4. ) Late Payments : There are multiple missed payments, that were made on my behalf. So there shouldn't be ANY missed/late payments on my PAYMENT HISTORY.

I have taken liberty of attaching a copy of this account. This Creditor has provided TransUnion and XXXX with INACCURATE and INCOMPLETE INFORMATION TO THESE CREDIT BUREAUS. 
THE PAYMENT HISTORY THAT TRANSUNION AND XXXX  HAS REPORTED DOESN'T MAKE ANY SENSE WHAT SO EVER. ONCE YOU SEE THESE ATTACHMENTS YOU WILL FULLY AGREE, AS TO WHY THIS ACCOUNT SHOULD BE DELETED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my consumer credit report and I found several items on there to be inaccurate. Under 15 U.S. code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.Code1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, any item or information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( 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. Please Remove the following items from my credit report, immediately : XXXX  XXXX. XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX. In addition to these I've noticed several fraudulent hard inquiries please remove also -XXXX XXXX XXXX
Product: Debt collection

I was contacted by XXXX and XXXX via phone. It was a recorded message in which I could select a button to transfer to a representative. When I did that the person I spoke with at XXXX and XXXX threatened me and then hung up when I requested a future date call back. I've been requesting pay-off options and have been willing to surrender the vehicle from the start of going into default on this loan / debit. I understand that's not an option and I'm working to get the money to pay this off. However, I do not think its acceptable to be treated as such a way. When I called back this person continued swearing at me using the XXXX  word and hanging up. I'm simply requesting a future date to settle this. I just need more time to get the money. The original loan amount was {$550.00}, they're settlement offer is {$690.00}. However, the person I spoke with at XXXX and XXXX threatened me saying she's removing my number and sending my default to court where I'll be forced to pay over {$3000.00} and then hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Unauthorized Credit Inquiry I recently received a copy of my three credit reports from XXXX, XXXX and Equifax. The credit report showed a credit inquiry by XXXX XXXX XXXX XXXX that I do not recall authorizing. I understand that they are not allowed to put an inquiry on my file unless I have authorized it. I contacted the bank by phone to close my secured credit card account but by no means should they have run a credit check just to close my secured credit card account. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail to XXXX XXXX because I need their prompt response to this issue but I have not received any responses. Please be so kind to have this unauthorized inquiry removed. I am closing all my accounts with the bank next month ( XX/XX/2018 ) and will no longer be doing business with them. I am going to file a police report for identity theft as well.
Product: Credit card or prepaid card

I have a debit card account with NetSpend Pre-Paid Visa. My card was cloned and my PIN number was stolen. I discovered that my money was cleaned out in the evening that day when I attempted to purchase something and my card was declined. This happened on Sunday, XX/XX/2020. When I checked my account online to see what was wrong, I discovered that 4 unauthorized ATM transactions were made to clean out my entire account between XXXX to XXXX. The total amount stolen was {$820.00}. I was at work when this was happening. I filed a police report that same night. I was at work the entire day and have never even been to the city or county where the ATM transactions had taken place. The ATM transactions took place at a XXXX store in XXXX, CA. The security cameras at the store would prove it. The thief first made a XXXX inquiry on the ATM to see the balance on my account and then once they saw the amount, they made 4 ATM consecutive transactions in the space of 2 minutes ( from XXXX TO XXXX ), cleaning out my entire account! The total balance was {$820.00}! Furthermore, somehow the ATM allowed them to do multiple transactions, which is not normal, as ATMs put limits on the amount of transactions AND the amount of money that can be withdrawn. This serves as further proof of FRAUD. 

NetSpend Pre-Paid Visa is refusing to reimburse me the {$820.00} that was fraudulently stolen from my account, despite the fact that I alerted them less than 24 hours after I discovered that the unauthorized transactions were made. 

As a financial institution, their business practices render consumers finances unsafe in their possession. I have been left extremely inconvenienced, as the money stolen was from a direct deposit paycheck and I have outstanding bills to pay. 

They have the burden of proof and have failed to protect me as a consumer. I am not liable or responsible for these fraudulent transactions. A consumer 's finances are not safe in this financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX date open inaccuracy with all 3 credit bureaus {$1000.00} - original creditor XXXX XXXX  I have not supplied proof under the doctrine of estoppel in silence Engelhardt vs Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alledged debt, nor therefore any such debt, in fact therefore exists. 

XXXX XXXX XXXX XX/XX/21 $ XXXX original creditor XXXX XXXX  I have not supplied proof under the doctrine of estoppel in silence Engelhardt vs Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alledged debt, nor therefore any such debt, in fact therefore exists. 

XXXX XXXX XXXX Collections closed due to inaccuracy but needs to be deleted. See attached credit bureau response after re-investigation. I have not supplied proof under the doctrine of estoppel in silence Engelhardt vs Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alledged debt, nor therefore any such debt, in fact therefore exists.

Credit bureaus are to report 100 % accurate information by law, the above companies were asked to investigate and provide proof of accuracy of these alleged accounts by item of signed contract, note, or instrument showing the accuracy of these accounts and they have failed to do so. These accounts are negatively affecting my credit profile and leaving me under distress.
Product: Debt collection

XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX Did not call me nor mail any amount owed. XXXX XXXX  sent the account over to Vengroff Williams Inc in which is a debt collector in which I disput the amount of {$91.00} XXXX XXXX  also ran my credit cared several times in one day for the same charge of {$54.00} dollars back to back in which my credit card company contacted me about the charges. I paid the bill at close out of the rented truck.Now Vengroff is trying to charge late fee 's in which XXXX XXXX never contacted me about any balance owed.
Product: Mortgage

On XX/XX/XXXX I became 100 % XXXX veteran and have a property tax exemption. The exemption is dated back to XX/XX/year> leaving me a prorated portion to pay in 2024 of {$5200.00}. During this process I informed Newrez lending as well as XXXX XXXX of this and they both honored the exemption. This caused Newrez to do another escrow analysis which caused my mortgage to decrease resulting in an escrow surplus and it was disbursed to me. They are no longer obligated to make that payment for me and I would have to pay the adjusted amount in 2024 and XXXX taxes going forward. However, Newrez decided to pay my property taxes to the county in the amount of {$9900.00} estimated. Now I have a {$8600.00} deficit on my mortgage escrow account which will cause my mortgage payments to increase drastically. I know I am responsible for the {$5200.00} payment but Newrez took it upon themselves to pay and will not ask the county for a refund and basically told me its my problem not theirs.
Product: Debt collection

AFNI, INC at address XXXX XXXX XXXX XXXX IL XXXX is reporting an account on my credit reports in the amount of {$670.00}. I don't know this company. I have never done business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

in the month od XX/XX/2020, I made my monthly call to XXXX XXXX to make payment on my auto loan and ask for a payoff. Agent told me the payoff was {$200.00} dollars. I asked was she sure, she said yes. She asked did I want to make payment by agent or automated system. I chose to use the automated system for which there is no astronomical fee. On XXXX XXXX, I made a payment of {$200.00} cents for the final payment with my XXXX XXXX XXXX XXXX debit card. The {$3.00} cents is the automated sytem fees. It has now been one month, I checked my credit only to find XXXX reports I still owe {$190.00} dollars. This loan is paid in full, my credit score is affected, and I want this strickend from my report. along with the 3 late payments XXXX said i made. Thank you.