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

Im at sharpness end. I have no idea what is going on over there at the CFPB. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the police report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the police report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my consumer credit reports and noticed that I have two accounts with Navient that are both reporting inaccurate for the month of XX/XX/2023 for all three credit bureaus in which I were never late for. The reports are showing on time for all months prior to XXXX than 90 days late for month of XXXX. The stated accounts accounts XXXX XXXX- XXXX XXXX XXXX XXXX {$4500.00} Principal and {$2600.00} Principal Please investigate and provide proof that with statements that these payments were late. 
These two accounts can not report 90days late without first showing 30days and 60days late.

I will like these two payments with this lender to be rightfully updated to paid on time as I were never late. 
Proof of inaccurate reporting is also attached.
Product: Credit reporting or other personal consumer reports

I'm sending this to inform you that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Easy Pay Finance issued a loan to me with an interest rate of XXXX %  when the state maximum is ( if not mistaken ) XXXX %. When confronting the company, they were disrespectful and had no desires to resolve the issue. In the loan agreement it stated in section XXXX that a refund could be issued if there are conflicts with the law. There are. This is an example of usury. They have been sued by the District of Columbia and Colorado for their practices and ordered to pay for the damages. They continue to use their rent-a-bank scheme in other states. When asked about this being usury and stating that this was an illegal practice, the manager XXXX stated correct. After an email written to their customer service, I did not receive a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2017 I went to an urgent care facility, and used my insurance. 

I got a bill/credit notice in the mail for $ XXXX saying that was my portion due. Well, according to my insurance company ( XXXX  ), I shouldn't have any outstanding balance as I was covered. 

When I called Amcol about the amount that hit my credit report they told me it was an unpaid hospital bill. Once I pulled the information out of them of who the original creditor was, I called their billing department and they were less than helpful. 

They said it doesn't matter what XXXX paid, that I was still responsible for the remaining balance. When I asked them to hold so that I could three-way my insurance company on the phone so that we could all get on the same page she told me she wouldn't be placed on hold and would hang up if I tried to do so. 

This amount being reported is INCORRECT, as my insurance has already paid their portion and I shouldn't be subject to pay anything additionally. 

Since this was an urgent care visit they informed me that the hospital bill was paid but that it was actually the physician who I still owed money too. So essentially it's 2 separate bills. The one that Amocol is reporting however is the hospital bill under " XXXX XXXX XXXX '' and that one is  actually paid according to everyone 's standards. 

I'm just asking that this be removed from my credit. I have an EOB from XXXX stating that my portion in this matter is {$0.00}.
Product: Debt collection

I have disputed a charge to my credit card for a rental of equipment and the company has refused to look into the matter as I requested. 
I now get constant call from a collection attorney firm called Hillcrest Davidson & Associates - XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I've asked them to look into the matter, but all I get is threats of legal action and threats of negative action to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my identify and opened a credit card with XXXX on XX/XX/2021. The person put on three purchases totaling approximately {$12000.00} without any payment. The phone number was not mine.

I was totally unaware of the account ( no statements ever reached me ) until yesterday when my other credit cards were frozen due to the severe late payment on this credit account unknown to me. Three credit bureaus downloaded my credit scores as a result. 

I reached out to XXXX XXXX  ( Identity Theft : XXXX ) and XXXX XXXX XXXX department ( XXXX ). XXXX XXXX Fraud said they will start an investigation, which may take 3-4 weeks to conclude. XXXX Identity Theft said they can only protect me from future problems, they can not help me with this incidence. 

XXXX took off the XXXX card from my report. Equifax did nothing of the kind. I am still waiting for XXXX to resolve my dispute. 

I don't understand how could someone use my identify to open a credit card at XXXX XXXX? How could this go on for 11 months without detection? I worry this would drag on forever before things can be cleared. Please help. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a {$500.00} deposit to lease  XXXX  cars from  XXXX   XXXX    XXXX   on  XXXX   XXXX   XXXX ,  XXXX , NY. on Saturday  XXXX   XXXX ,  2017 . On Saturday I was told by the salesman that I was approved and asked when would I like to pick up the cars. I even test drove  XXXX  of the cars on Sunday and was reassured that we were all good.     On Monday I received a frantic call from the  Business manager, saying I w as not approved for tier  XXXX  credit but he did get me approved at a slightly higher payment and a bit more out or pocket. That night when I went home I learned from my credit report service that my credit was ran 9 times between  XXXX  and  XXXX  through many different lenders. I then called and asked why they ran my credit so many times and the business  manager  said he has been " doing this 40 years and if he had to call me to get my approval before he contacted each bank he would be out of business ''. I immediately cancelled my deal as I would never want to do business with anyone like this.     Bottom line, I never authorized them to run my credit and certainly not 9 times through multiple banks and I was never asked or informed along the way. Furthermore, they were very arrogant and said this is the " way they get deals done ''. I am strongly considering a refinancing of a home equity loan and these  XXXX  inquiries will hurt me in obtaining credit at a reasonable rate.     In my view this is no different than what happened at  XXXX   XXXX  with the opening of unauthorized accounts. My credit report was ran 9 times without my authority and this is a violation of all fair business principles.
Product: Credit reporting or other personal consumer reports

i received a email from the executive vice president of this company to update my late payments to current if i made 3 payments on time he will clear the past due history to help my credit and i have made the payments but still it hasnt updated to current on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Dear Equifax This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XX/XX/XXXX Made with : XXXX Made by : XXXX Made on : XX/XX/XXXX Made with : XXXX Made by : XXXX Made on : XX/XX/XXXX Made with : XXXX Made by : XXXX Made on : XX/XX/XXXX Made with : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX of XXXX XXXX, XXXX and XXXX XXXX XXXX On XX/XX/XXXX I acquired a lease with XXXX XXXX XXXX for 36 months. On XX/XX/XXXX I paid the lease in full. I received the title in the mail. On my credit report it stated my account was paid in full and closed effective XX/XX/XXXX. On XX/XX/XXXX I received an alert for a negative factor on my credit report for {$46.00}. I never received any letter concerning this balance. But this was put on a closed account on my credit report that is now open again. This has drop my credit score a XXXX points. I have tried contacting them about this matter and nothing has been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts on my credit report that are not mine I need these off my credit report since I dont knwo what these are and I have not signed or authorized any amount like this what is going on??? 


XXXX XXXX - Account # XXXX Amt {$0.00} Opened XX/XX/2015 XXXX  - Acct # XXXX Amt {$0.00} Opened XX/XX/2015 2015
Product: Money transfer, virtual currency, or money service

Binance.US On XX/XX/2021 I transferred {$20.00}, five times to Bianace.US but 2 transactions failed and {$60.00} was transferred but they took out {$100.00} from my bank account. I reached out the company dozen times through emails and requested for them to refund the money they withdrew from my account but they just keep stalling and they keep saying that they dont see that on their end. As you can see in the attachment, {$20.00} was withdrawn 5 times, I have purchased XXXX crypto 2 times for {$20.00} each, total {$40.00} and there is {$20.00} of cash in the account for total of {$60.00}. It seems that other people have experienced this issue with this company and they are taking advantage of people.
Product: Credit reporting

This information is on my Credit report. XXXX Docket # XXXX File Date XXXX Released date XXXX Amount {$530.00}. This is all the information that I have, I know nothing about this debt and would like it removed from my Credit Report. I do not have any documents regarding this because I have not lived in Indiana since 2010. I have nothing with this information regarding this debt. I have searched Indiana State wide data base, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX This information is not in any of their systems.
Product: Debt collection

i have continued to write XXXX XXXX XXXX XXXX XXXX and Convergent Outsourcing Inc., requesting that they verify the alleged debt. As of this date they have continued to contact me at work and home at all times of the night demanding that A paid this debt. I have never had an account with XXXX XXXX. After repeated communication to these agency 's they continue to make threats. I am filing this complaint to request the Consumer Financial Protection help in resolving this matter. I received a phone call from one of Convergent agents, telling me that they are going to report me to the XXXX were I am employed.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX inquiry date was supposed to be removed off of my XXXX along with XX/XX/XXXX inquiry. I received a letter that these inquiries would be removed due to incorrect information given by a representative from world finance. In order for any company to look at your credit your credit profile has to be unlocked in order for a soft pull to take place. I was assured that a hard pull would not be done. The FTC prohibits this kind of behavior please help
Product: Mortgage

My mortgage was sold to Greentree in XX/XX/XXXX. They informed me in XX/XX/XXXX/XX/XX/XXXX that my escrow account has a " shortage '' of {$480.00}, and they will deduct an additional {$40.00} each month for 12 months beginning in XX/XX/XXXX to make up this shortage. I have paid all mortgage payments on time and in full. My taxes have decreased and while I changed my homeowner 's insurance company, there was no significant change in my premium. I have called Greentree multiple times and mailed them a letter ( certified mail, they received it XX/XX/XXXX ) asking them to tell me specifically WHEN my escrow account went into a shortage and HOW much. They have sent me XXXX letters ( XXXX XXXX, XXXX XXXX and XX/XX/XXXX ), none of which answer the question of WHEN my escrow account went into shortage and HOW much. The XXXX letters from XXXX tell me they are still reviewing my request. I told them I spent five years in the mortgage business so I know how an escrow account works ( you put money in each month, they pay your property taxes and insurance - simple ). 
I object to Greentree telling me I owe {$480.00} without them being able to tell me how and when my escrow account went into a " shortage ''. All my payments were made in full and on time, so all my contributions to escrow are the correct amount and current. My escrow deductions for taxes and property insurance have decreased or stayed approximately the same. It is not mathematically possible for me to be in a " shortage '' in my escrow account. 
I view this charge of {$480.00} as an unjustified fee which Greentree can not show I am contractually obligated to pay. They have failed, repeatedly, to prove that I owe this money. Now they are taking this money each month from my bank account without my permission ( I told them verbally and in writing that I do not consent to having this money deducted from my bank account and that I do not owe this debt ). 
Finally - all payments were made on time and in full. My account is and has always been current.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a payment for {$2500.00} from a family friend. From my understanding the money was cleared in my account, so I sent {$1400.00} to another relative on XX/XX/XXXX and it wasnt until days later on XX/XX/XXXX that the {$2500.00} zelle was returned. Unable to get this payment back the money was taken from my account and my bank closed my account. I still have yet to receive any reimburse or settlement for this situation and was told nothing could be done except contact the sender.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are the inquires that on my credit report. I filed a police report on XX/XX/XXXX, and I sent all of the documents to Equifax by certified mail and they refused to remove them. 
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 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 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 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: Debt collection

Received phone calls that identified on my phone as 'suspected scam. ' They called wife and gave number to call. 
I called. 
XXXX XXXX XXXX extension # XXXX Case # XXXX Claims I owe a Citi Bank debt from XXXX  on a credit card ending in XXXX He has my social security number. 
Amount of initial debt was {$2800.00} Amount with interest owed is {$7500.00} I never had a Citi Bank account in any form. I called Citi Bank to confirm, and they have no record of me having an account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I attended XXXX university online They encourage you take out loans that you could get jobs once completing your degree. I have private loans and education loans for a XXXX  year degree I was told that i didnt qualify for student loan cancellation
Product: Credit reporting

I would like to file a complaint against Experian Credit Bureau for discrimination and maliciously refusing to accept my dispute regarding discrepancy on my credit report. I spoke to their representative, XXXX with " Team Majestic '' within Experian Credit Bureau. During our conversation he basically refused to accept any of my disputes regarding outdated student loan accounts on my report. He basically instructed me to contact lenders for documentations to submit to Experian in order for them to accept my dispute. This is completely contrary to XXXX and XXXX whom both have delete all the accounts that I am requesting Experian to delete. I was successfully able to have my credit report with XXXX and XXXX corrected without no delay or unprofessional customer service. All my closed student loan accounts are beyond 7 years, as I have n't attended college since XXXX 2008 therefore they have been in default at least since the latter part of 2008. 

It has been several months with me trying to literally get someone on the phone from Experian to dispute accounts on my credit report. During multiple attempts via Internet I have been redirected to either an " XXXX '' number or a website that required payment for a credit monitory service in order to address any concerns regarding my credit. When I finally contacted someone at Experian who then forward me to XXXX with Team Majestic, my experience was utterly nothing like XXXX or XXXX. I am convinced that Experian is doing something illegal regarding consumer credit services. Furthermore I spoke to several of my associates who have had their credit report corrected by Experian and my situation is different based on my race and non-membership to a Credit Monitoring services. I was recently denied credit solely because of my credit report with Experian. They are destroying any credit opportunity for me because of their unethical service.
Product: Student loan

Nelnet wants payments from stupid loans although my entire career and life path changed due ti Covid. Im trying to get my business at a better stage to pay it off but it seems like thats not always the case. Jw
Product: Credit card

Opened a credit card with Toys R Us, Charged less than XXXXXXXXdollars, First bill came and paid on time.Bills stop coming and they contacted me, paid XXXXXXXXdollars over the phone and complained about not getting my statements.In XXXX got a letter from then, i contacted then on XXXX XXXX 2016, now they want XXXX dollars, i told then i did not do those charges and needed my statements from XXXX to XXXX 2016 to dispute the charges.I was told the statements will arrive by mail in 7 to 14 days, that day i changed my statements preference to e-mail.The statements never showed but by miracle the XXXX statement showed up in the mail.Contacted then again, they said the statements were mailed and they were going to send then again, statements never arrived, what arrived was a letter from a collection agency.I have XXXX other credit cards, as of today all are current, own less than XXXX dollars each and never missed a single statement in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS I HAVE BEEN CONTACTING YOU ALL ABOUT DOING investigations ON, THE COMPANIES FAILED TO SEND ME SIGNED DOCUMENTS OF THE DEBT THAT I DO NOT OWE, I recently WENT THROUGH identity THEFT AND BY LAW IF ANYTHING ON MY CREDIT REPORT IS WRONG MUST COME OFF. I SENT OUT THESE LETTERS IN DETAIL ON WHAT IS GOING ON. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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.

ACCOUNT NUMBER : 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

I found hard inquiries on my report that definitely don't belong to me