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

Hello, I am writing because, I sent these companies letters for over 2 months disputing what they have on my credit report and the amount that some companies are saying I owe them and I still have not received any corrections to my account. They had a time to respond and they didn't and it should be removed. Also all 3 credit bureaus are not even reporting the same thing and is doing an injustice to me. please help me clear this up because what they are doing is unjust and wrong.
Product: Debt collection

Yes early this morning got a call from my mom telling me that i had a XXXX out for my arrest. So she gave me the number XXXX and i proceeded to call. I talk to a representative to see if i could resolve my status in my debt she told me i owed {$750.00} and they said they needed me to pay {$250.00} right now to get my account back to active for my payments and i told her i could n't pay {$250.00} now. I could pay them {$50.00} a week since i get paid e very week so she told me no. And said that if i needed to get a lawyer because they are taking me to court. So i just called XXXX minutes ago. And i talked to a person of XXXX XXXX and i told him how they was threatening my mom about me having a warrant and i could only pay {$50.00} week when they wanted me to pay {$250.00}. So he said well could you pay {$75.00} a week i told him no i could do {$50.00} a week. So he transferred me to a lady name XXXX XXXX and i proceed to tell her the exact same thing as i told XXXX and XXXX XXXX asked me could i do {$100.00} and i told her no because i only get {$100.00} a week on my paycheck so XXXX XXXX proceeds to mock me saying where do i work i told her XXXX XXXX XXXX she said well it says right here u get paid {$10.00} a hr and i told her i been there XXXX years and i do n't get paid that much. So then XXXX XXXX proceeds to ask me do you stay with your mom do you have XXXX etc. and i told her i can only pay them {$50.00}. a week. She pauses and says XXXX XXXX lets get this clear how do you live off of {$100.00} a week and i told her XXXX is good. Then she says if we ca n't take the {$50.00} a week we need the {$100.00} and if we do that that 's gon na be all your money. So i said so you 'll cant help me out she said no. and i said ok and bye and hung up the phone. I do n't like how she tried to make a mock of me about my finances. The only thing i was trying to do was too make a payment with them.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B requires us to eliminate any inaccurate accounts from my credit report. Can you please examine the documents? Some of the listed accounts have inaccurate reporting, with incorrect amounts and dates.
Product: Mortgage

On XXXX XXXX, I paid my mortgage to Bank of America using my Bank of America phone app ( they way I always make my mortgage payment ). At that point it was XXXX days past due. We 've been struggling to make our mortgage payment and are finally in the process of selling our home. On XXXX XXXX, I received the payment back in my checking account and called Bank of America to discuss it. I was told that since we were now XXXX days past due they were initiating foreclosure on our home and the only option for us was modification at this point. No one would discuss the payment, they would only let us talk to our account representative, XXXX. XXXX, by the way, has been completely professional and empathetic through this process, but there was nothing she could to to resolve our foreclosure issue. Again, we 're in the process of selling the property but since it 's technically in foreclosure, I 'm afraid that pulling a payoff or even discussing the final payoff amount is going to be troublesome.
Product: Debt collection

TeleRecovery of Louisiana was showing on my credit report. I called to inquire about the collection reporting. The representative that answered the phone was very rude to me. I filed a complaint with the Office of the Attorney General of Louisiana. The Attorney General Office took my complaint against the agency. They submitted my complaint to the company, Telercovery of Lousiana. A representative, named XXXX, worked with me to resolved the issue in a professional and ethical manner. However, the company representative was not professional and used an abrasive tone with me when I first made contact to inquire about the debt. However, I paid the debt, and it was removed from my credit file. The general manager, XXXX XXXX XXXX did not reach out to me to obtain my side of the story. She assumed that I did not make sense as she sided with the inexperience representative. She tried to portray me as argumentive in her response. Her response had a lot of grammatical errors that portrays her as unintelligible in her written response to XXXX XXXX XXXX. The company never sent me an itemized bill for debt verification to retain for my personal records. The company did not have the correct address but did have my phone number on file. This was an attempt to collect an old debt, due to COVID-19, which has past the statute of limitations for debt collection. XXXX XXXX XXXX XXXX should be knowledgable about the time frame a debt can be collected. I do think that she and the unnamed representative are unprofessional and lack professional etiquette for effective customer service.
Product: Credit reporting or other personal consumer reports

I would like to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX  Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$9800.00} Please confirm the information shown in this account is 100 % accurate or delete this account information from my credit report because I believe it may be erroneous. 

XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$260.00} Study the comments, payment status, and creditor. I need assistance in verifying these data so approach with importance and if fail to do so should result in a complete correction or deletion for this account. 

Lastly, I did not authorize the inquiries below. Please REMOVE it ASAP! 

XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

EXPERIAN : XXXX XXXX XXXX XXXX, Tx XXXX To Whom It May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect on my credit report.
Product: Mortgage

In regards to the CFPA complaint response to # XXXX Specialized Loan Servicing failed to have a Date for the Blank Endorsement Stamp on Equity Agreement Document and to identify the " Note Custodian '' holding original documents.
Product: Credit reporting or other personal consumer reports

I've had a XXXX  account, in good standing, since XXXX. Around sometime in XXXX XXXX XXXX opened a " XXXX XXXX ' account additionally without any additional consent from me. That new account dinged my credit by lowering the average age of my credit. Then late XXXX they closed the original. That also took my credit lower because it looks like I lost a trade line and lowered available credit. They remarked it saying canceled by grantor. 

I previously sent disputes through transaction and equifax but they don't " investigate ''. They only respond back information verified. I want my points back. It's been a struggle to get here after covid
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018 I suffered a debilitating illness and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX.
Product: Debt collection

XX/XX/2007 {$1000.00} I was making payments and I went through some financial hardship and wasn't able to make payments. debt collectors called my employee when I told them not to.
Product: Debt collection

It is being reported on my credit report as an " open '' collection. This has been filed and discharged under bankruptcy in XX/XX/2014.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to notify you of the violation of my rights under Federal law. Understand that if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law. 
Under 15 USC 1681 ( a ) congress defines a consumer report as the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ..... 
Understand that by this law, XXXX is included because you provide this consumer report and you are a consumer reporting agency! Under 15 USC 1681 ( 2 ), it also mentions exclusions pertaining to consumer reporting. I am quoting directly from congress so understand that your reporting is a federal violation based on laws put in place by congress. 
15 USC 1681 ( 2 ) i excludes the reporting of report containing information solely as to transactions or experiences between the consumer and the person making the report. 
The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
All of the companies listed below are CORPORATIONS as defined by congress as a person Therefore the transactions between the consumer ( me ) and these corporations should not be on my consumer report under FEDERAL LAW! You are in direct breach of the federal laws put in place to protect the consumer. 
I will not be violated any longer and will seek legal action and monetary compensation for the adverse actions taken against me if these accounts are REMOVED IMMEDIATELY.
Product: Money transfer, virtual currency, or money service

Simple bank Desposited a check {$910.00} XX/XX/2018 Next day funds didnt appear in account.
Product: Mortgage

Since rates have decreased my wife and I wanted to lower the rate and shorten the term on our existing 1st mortgage. Currently, we have both our 1st and 2nd mortgage with Bank of America ( BofA ). We had recently refinanced our 2nd mortgage with BofA so I contacted them about refinancing our 1st mortgage. I was given a rate/fees that were much higher than what I had seen advertized so I checked rates with a couple of local lenders. I found rates/fees much lower than what BofA quoted me. When I ask my BofA rep about why my rate/fees were so much higher he told me that I would have to submit the competitor 's quotes to receive a better rate from BofA. All of our communication was done via email so I can document everything I am stating. I was not comfortable with this type of business practice so I chose to refinance with the local lender which offered the best rate and fees. Once the refinance closed and the 3 day rescission period was up BofA informed the title company that I had to pay a {$250.00} subordination fee so they would subordinate our 2nd mortgage. I have never heard of a lender charging for this, nor did BofA ever disclose this fee when we closed the 2nd mortgage. However, in an effort to get the deal done I paid the {$250.00} to the title company. Then I was informed that BofA would not accept this {$250.00} fee in the form of a wire transfer from the title company of a deposit at a local branch. They would only accept it as a cashiers check that had to be mailed to them. This derailed the refinance. It did not fund and I am stuck paying another month worth of payments at a higher rate, another set of closing fees, and forced to take time to close another loan.
Product: Credit card or prepaid card

I have be unable to activate my USBank unemployment befits debit card XXXX XXXX XXXX USBank claims that they need to verify my identity before activating my card. They instructed me to send in verification which I did and they still refuse to activate my card. I've also filed a complaint at the XXXX XXXX XXXX and complied with further instruction from USBank but my card has still not been activated.
Product: Credit reporting or other personal consumer reports

The credit bureau never did a proper " Investigation " according to the FCRA.

The term " Investigative " Consumer Report " means a Consumer report or portion thereof in which information on a Consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or wuth others with whom he is acquainted or who may have knowledge concerning any such items of information.

Transunion DID NOT DO THIS Also, Transunion has repeatedly violated my rights even more. In accordance with the fair credit reporting EVERYTHING has to be 100 % accurate on my credit report. Transunion stated my accounts was properly Investigaed but how is that humanely possible. If accounts on my TransUnion credit report has inaccurate open dates, inaccurate payment status, inaccurate remarks, inaccurate open dates, inaccurate account number, and inaccurate High Balance.

This is grounds for IMMEDIATE REMOVAL of accounts.

Transunion also violated the law because according to : 15 USC 1681 Section 602 A : States that I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency CAN NOT furnish a account without my WRITTEN instructions. 
I DID NOT give Anybody written instructions
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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
Product: Debt collection

Today, XX/XX/24 someone called me from a local area code-XXXX. This person stated my name and wanted to verify where I lived. I asked for what purpose. They said due to a debt and needed to supeona me. I said, excuse me? Then they hung up. I called back. Another guy said the same. Told me it was from a debt with Discover Card ( I never had one ). Said it was from XXXX and also recited my XXXX number. I did state I never had one. He said it was from XXXX, CA. Then he hung up. 

I called Discover, they had no accounts in my name for credit card or bank. I got a XXXX XXXX  account and also fraud alerts by the 3 credit bureaus. 

Then reach out to you all to report as well
Product: Student loan

On my sallie mae account it only goes as far as XX/XX/XXXX. When i first started my payments were under 180 dollars. On XX/XX/XXXX my loan states i am now paying XXXX. I had a late charge or XXXX because i did not have the money in my account. On XX/XX/XXXX it was XXXX on XX/XX/XXXX my interest went up XXXX. On XX/XX/XXXX my bill became XXXX. On XX/XX/XXXX i had gone through a major hurricane. I had late payments from being out of a job during the hurricane, when i called multiple times i kept getting the ring around. I would call about their hurricane assistance they posted on their site. I would be told they need to check if it was available for me call back in a week. I would wait 2 weeks. I called 4 times and on the 4th time i was told about a forbearance that would bring my late charges down to XXXX, i had to set my bill on autopay for until XX/XX/XXXX if i missed an auto pay date my over 800 dollar bill would restart and i would owe that 800 somthing dollar bill again. Any time i could not make my bill because it was so high and had late charges i would call and they each time gave me a ring around my problems were never solved. XX/XX/XXXX i had accured interest or XXXX. On XX/XX/XXXX on my document it says amount XXXX, interest ( XXXX ), principle ( XXXX ) each month the interest fluctuates either going up or down. Multiple times this company has not omce helped me out especially after hurricane Micheal that caused me to lose my home and everything. I had no job for months. Currently as of XX/XX/XXXX i owed XXXX, interest ( XXXX ) principle ( XXXX ). XX/XX/XXXX i accured an interest or XXXX. I do not understand why im being charged so much when i can barely make the payments somtimes, and their customer care is no help AT ALL.
Product: Credit card

I called to close my credit card account with Bank of America on XX/XX/, shortly after my annual fee was billed. I was advised that the annual fee would be credited back as I was closing the account and that I would not have to pay it. I subsequently received a credit card statement indicating that the annual fee was never credited and that I was 2 payments late. Bank would not waive the annual fee and has asked that I pay the past due amount only to have it refunded at a later date. It makes no sense that I should have to come out of pocket to resolve a bank 's error. Furthermore, my credit score should not be negatively impacted by the bank 's error. The amount of red tape to try and resolve this issue is immense. This feels like the bank is taking advantage of a small consumer simply because they can. Please help.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my credit report.
Product: Money transfer, virtual currency, or money service

I applied for this job and sent money to them for training, they were called XXXX XXXX and I sent them money over XXXX XXXX  and XXXX. I never got the supplies for the job and the company disappeared and I could no longer contact the employer afterwards. I sent the money on XX/XX/XXXX in amounts of {$450.00} accredited as {$430.00}, {$620.00} and {$500.00} over XXXX XXXX  from my Wells Fargo account and {$800.00} over XXXX. I filed a claim with Wells Fargo on XX/XX/XXXX. Unfortunately, I have just had the provisional credit reversed and would like my money back for I never got anything back after getting scammed.
Product: Debt collection

The company in question is the the Bonded Collectors of Wisconsin. This company is located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Wisconsin XXXX. 
I have filed multiple disputes though the XXXX website because this was the only credit agency that they were reporting too. There were XXXX accounts that I was able to get removed after filling multiple times even though I disputed every account every single time I made a dispute. These account had wrong date, and falsified payments, and the person that the debt was owed.
Product: Payday loan, title loan, or personal loan

applied for unsecured loan denied.
Product: Student loan

I've been trying to erase false information from my credit report for the past 6 years, but XXXX refuses to provide me with legitimate paperwork to prove legitimacy. I have XXXX accounts that have been on hold since XXXX. However, they are reporting these accounts 180 days late for whatever reason. I have all of XXXX XXXX  emails from XXXX as well as phone calls to XXXX and XXXX to rectify inaccuracies on my credit report. 
I called AidVantage Manager XXXX ID XXXX from the Department of Education today, and AidVantage was quite rude, refusing to allow me talk, and denying that my certified mail had been received, which is false. 
I filed dispute again today XX/XX/XXXX with XXXX XXXX from dispute department XXXX XXXX. 
Its affecting my ability to receive loan for my business or advanced financially. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Debt collection

So i really do not remember the date I got contacted by the debt collection business. The total amount is {$9400.00}. I just remember them telling me about a debt I owe. I did not purchase or have any prior business with them. I told them I did not sign any contract and they should send me an itemized bill stating all the charges. I have not heard from them. I do not know what to do other than to reach out to CFPB for help. I am trying to survive and try to get a place for my family overwise we will go homeless. Please I need your help. I need this debt to be removed from my credit report as soon as possible. Thanks for your help.