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

XX/XX/XXXX, I sent a dispute to Transunion regarding account XXXX XXXX XXXX # XXXX inaccurate credit reporting. XXXX XXXX XXXX is in violation of the violation for an " aged account '' typically falls under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681c.XXXX XXXX  XXXX reporting in the comment section ( report # XXXX ) " Estimated month and year that this item will be removed : XX/XX/XXXX ''. However, XXXX XXXX  XXXX also reports that the Last Payment Made XX/XX/XXXX. This aged information is reporting inaccurately. The actual time for the account to be removed from the credit report would be XX/XX/XXXX ( 7-year period for these types of accounts to remain on a consumer 's credit report. 

" Time Limit on Reporting Adverse Information : Most negative information, such as collections, charge-offs, and late payments, can only be reported on a consumers credit report for seven years from the date of the first delinquency that led to the negative action. After this period, the information should no longer appear on the credit report. '' I am requesting that this account be deleted from the credit report due to the account reporting inaccurate information and aging the account, which is a violation and an updated credit report be sent to me reflecting the deletion
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX accounts that were opened fraudulently on all three bureau 's. XXXX XXXX. Transunion, XXXX  XXXX  XXXX XXXX, It was opened on XX/XX/XXXX reporting a $ XXXX limit, XXXX XXXX XXXX It was opened on XXXX/XXXX XXXX a {$520.00} limit loan, XXXX XXXX. It was opened on XX/XX/XXXX reporting a {$56.00} balance, I did not open these accounts, I did not sign my name on any of these accounts. I do not know who stole my identity to open these accounts, I previously disputed these accounts with all 3 bureaus, they have refused to take action to remove these XXXX accounts, nor have they provided me with any documentation verifying how they came to the conclusion that these accounts belong to me. They never said what person verified these accounts, they never presented any documents bearing my signature. Fair Credit Act Law states that they must verify, and provide evidence backing how and who verified the accounts. Once again I haven't received any such documents. I also provided a Ftc Identity Theft Report to back my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act these companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A : States 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 a account without my written instructions 15 U.S.C Sub Section 6802 B : the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ;
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX - 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Student loan

On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I opened an account with Navient/Department Of Education to fund my college education. The account is still open and currently in good standing. However, I was charged with 4 missed payments on each of my accounts with Navient/Department Of Education but I never received a notification of the bill. At that time my family and I were foreclosed on our home and we were forced to relocate which could have prevented me from receiving any notice from Navient. I would like to address this as soon as possible and get the negative remarks removed from my credit report.
Product: Mortgage

We paid our mortgage off XX/XX/2021. The amount of payoff was {$320000.00}. They said the official payoff date was XX/XX/2021 and the payoff was {$320000.00}. We also have an escrow balance of {$5300.00}. They told the title company payoff was {$320000.00}. I have called in multiple times and was told a check was mailed, then it wasnt and they would send ACH ( XX/XX/XXXX ) and then I called on the XX/XX/XXXX, they said the ACH didnt work and they sent a check instead. I have not received a check. They then said they would void the check, I told them I wanted a check sent overnight and they said they sent ACH. I recorded the last few conversations with them and they lied multiple times. I want my money back with interest at the same rate I paid.
Product: Mortgage

In XXXX my husband and i separated, i left the home at that time ... it took 7 years to come to a conclusion and a divorce with my husband retaining ownership of the home and property. We were divorced XX/XX/XXXX. At that time the mortgage was in good standing and up to date. The divorce agreement stated that my ex husband had to put the home in his name ( refinance ). He never did. And his last payment to the mortgage company was XX/XX/XXXX. He apparently didn't want the house but didn't want me to have it either. so fast forward to XXXX, i have very little power in this process due to the divorce agreement itself, i gave up my rights to the home with the understanding he would refinance, the house sits empty, i have worked hand in hand to the fullest extent i am allowed to, and finally signed a quit claim deed in XXXX. 6 mos later i am called by selene finance who states that the quit claim deed failed. I go thru the process with them all over again and it ended with this email From : XXXX XXXX [ mailto : XXXX ] Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : RE : 2nd part of email Correct. You are no longer the owner. You deeded the property back to XXXX XXXX who is the investor/noteholder. Every noteholder is required to have a servicer. XXXX and Selene are servicers. Hope that helps! You should be receiving your check sometime next week! 

it is now XX/XX/XXXX and i am still receiving statements from selene finance stating that i owe them money for the above named property, it still sits as an unpaid account on MY credit.. I have called, i have emailed, never any response, no help, answers or a game plan. this has destroyed my life ... i have no idea what do to next. i am now XXXX years old, i left at the age of XXXX i would like to have my own home again. NEVER NEVER would i ever do business with these people again, to say that they couldn't care less is an absolute understatement.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Request for Debt XXXX Dear UNITED REVENUE, I am writing to request validation of a debt that appears on my credit report. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These laws entitle me to request and receive specific documentation to verify the accuracy and legitimacy of debts reported on my credit file. In accordance with Section 809 of the FDCPA ( 15 U.S.C. 1692g ), I am requesting the following documents and information to validate this debt : XXXX. Original Creditor Information : o A copy of the original credit agreement or contract with my signature, showing that I am legally obligated to pay this debt. o The name, address, and contact information of the original creditor. 
XXXX. Detailed Account Statement : o A comprehensive statement showing the original amount of the debt, the current balance, and a detailed breakdown of any interest, fees, or charges that have been added. o A record of all payments made toward the debt, including the dates and amounts of each payment, and any adjustments or credits applied. 
XXXX. Verification of Collection Agency : o Documentation proving that the debt collector currently reporting this account is authorized to collect on this debt. This should include a copy of any assignment or transfer of debt documents from the original creditor to the current collector. 
XXXX. Evidence of Account Status : o Proof that the debt is within the statute of limitations for collection, as specified under applicable state laws. This includes the date of the original default and any relevant dates affecting the statute of limitations. 
XXXX. Confirmation of Reporting Accuracy : o Verification that the information reported on my credit file is accurate and that the debt is being reported by the correct party. This includes confirmation that the account details and status are correctly represented. 
XXXX. Dispute Resolution : o Information on the procedure for resolving disputes related to this debt if it is found to be inaccurate or unverifiable. Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I am entitled to an accurate credit report, and I request that you conduct a thorough review of this account. If the debt can not be properly validated, please remove it from my credit report and notify me in writing of the outcome. 
Please confirm receipt of this letter and provide a written response within XXXX days, as required by law. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had another inquiry on my credit report that I did not do. I have contacted both companies and they are aware that someone has stole my social security number. I have put a fraud alert on my credit. The two companies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX and XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX I would like this investigated and taken care of. Someone tried to get a XXXX dollar loan in my name from these two companies. If I need to do something more please let me know. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Checking or savings account

On XXXX of XXXX I tried to cash a personal check that I received from my dad for XXXX. It was {$350.00}, but half of it was for my husband. So I waited for my check to clear, then I tried to send half of it to my husband. Then my bank which is Ally, flagged and locked me out of my account. I called my bank to ask why did I get flagged and locked out? Customer service didn't give me a straight answer on why this happened. So I waited for a while then called back and still didn't get no where. So I called my dad and asked if the {$350.00} left his bank which is XXXX XXXX  he said the the funs has left his bank. So I don't know why I'm locked out of my account when my check cleared and has left my dad 's bank. I normally make transfers to my husband from my bank accounts using XXXX but since my bank decided to decline the transfer that I definitely had enough money to cover. I only needed to send my husband {$170.00}. Now I'm in the negative with XXXX
Product: Checking or savings account

money was deducted from my checking account and got a confirmation of a payment to XXXX XXXX in the amount of {$490.00} XX/XX/2021 at XXXX got a phone call from impersonator saying they process payment and that he represented XXXX and that they were going to cancelled and refund payment in an hour to send them the message confirmation to XXXX them to cancel and i did then they sad number to and that they were going to cut my service because the amount they process didn't go through my bank and they need it another payment deposit in the same amount I called the XXXX number has they were in line they called me several times because call got dropped and I was on a waiting line but XXXX representative said it was fraud because they never process payment online and that i should call my bank called and reported payment has fraud to stop it but i see online an the payment was process through XXXX I don't know and I never authorized this payment then they call me im attaching the payment i see in my bank process to this guy I don't know and the emails with m & t back after i call to cancel my checkcard
Product: Checking or savings account

After reviewing my early warning services account i noticed accounts that were not familiar to me i sent a validation letter to Early Warning Services i have yet to receive any information that justifies the reporting of the accounts on my ews report. Please find a list of accounts below.
Product: Credit reporting or other personal consumer reports

transunion is reporting personal information that I do not recognize. is breaking the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information incorrect and l not owe any money to them
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports there is a closed account with huge amount of missed payments. JPMCB - CARD SERVICE Opened XXXX XXXX, 2015 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JPMCB - CARD SERVICE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit card or prepaid card

I had 2 open Capital One credit cards, one was a Walmart credit card, the Walmart card was restricted because of possible fraud. I let my x girlfriend pay some money it to help me out, she paid the whole balance which I didnt know she was going to do, I had her to take that money back to her which took a couple of weeks. We broke up right after that. Thats how my Walmart card was restricted, Capital One then wanted me to prove who I was which I did, then they wanted me to provide my banking information and to prove my address, my electric, cable and phone bills which I provided to them, every time I called they wanted either the same information over and over again, they couldnt find certain records that I sent them, this has been going on for almost a year. I was fed up with this run around so I decided to pay off both cards, I paid off the XXXX card, closed the account but I accidentally paid off more than what it was to pay it off, it was {$580.00} over paid and I asked if they could take the over payment and put it against the balance of the other Capital One card, they told me that they couldnt do that. So I called back again and spoke to a lady for a long time then she told me to wait 3 billing cycles and call back then and I would get my money back. I called and was told that they could not do that. Then I called again and said just write me a check for the overpayment and I would be happy. I was told that they cant give me my money back because the card was restricted and I said so your going to keep my money and the guy said yes we cant give it back to you and it was going to go into the general fund, like the find mass money thing. I am extremely upset that they wont give me my money back, I accidentally overpaid them, its my money why cant I get it back. I have tried to resolve this many times, I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and twice in XXXX but not sure of the dates. Also numerous times in XXXX late XXXX. Thank You and please give me my money back.
Product: Credit card

I called on XX/XX/XXXX to pay off 60 month purchase plan and was told I needed {$250.00} to do so. I asked that if I paid this would it pay off the 60 month purchase plan and in XXXX weeks on my normal payment date the adjustment would be made and my normal monthly payment of {$110.00} for my 84 month purchase plan would be the amount coming out with autopay. I was assured this was correct and proceeded to pay the {$250.00}. Now XX/XX/XXXX came and the payment of {$230.00} came out of my account and when I called to see why I was told that the woman who took the call never fixed the autopay to reflect that change. I asked that they refund the difference back to me as that was now an overpayment by their mistake that I did not authorize.i was informed that they would not do that and they would file a dispute and I would get the money back within 15 days.That alone should be illegal use of funds that I didnt even authorize to be taken.so now almost XXXX weeks later I got a refund of {$230.00} which was only supposed to be {$120.00} that was over charged. I was also never told what was going on with this. They then took the balance and put it back on the 60 month plan that I had paid off on XX/XX/XXXX and charged me a late fee for the {$110.00} they were supposed to keep.now I didnt receive my title for my property that I paid off on the XXXX and they are going to charge me another month interest. I then had a message on my account that my credit limit was reduced and my account was going to be closed as of XXXX XXXX have called twice to have this fixed and have been met with nothing but complete ignorance and told that it will not be fixed and told by the management that I asked to speak with that there is nothing they will do to fix it. Then while asking for his information to forward to this agency or a lawyer I was told his name is XXXX and he wouldnt give a last name or initials and when I asked for an extension or some detail he the hung up on me. This is absolutely the most insane customer service I have ever come across. I simply tried to pay off a purchase and continue with my other plan as usual which has never had a late payment or any other issues. I do not understand how a company like this can just take unauthorized funds and do what they want with after clearly stating something different. Very fraudulent and then to vindictively reduce my credit limit to intentionally affect my credit score is absolutely unacceptable and hopefully will be handled in the correct manner. I feel as I have been taken advantage of and then discriminated against with ill intent to my credit for a mistake made by citi bank.check the transcripts for the calls on XX/XX/XXXX and XX/XX/XXXX And it will clearly show that my account has been fraudulently handled.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I originated the auto loan in XXXX and have never been late on any payments. In good faith, I prepaid my loan in XXXX of XXXX. My lender if XXXX XXXX and they do not provide statements, but a voucher book at time of origination. Upon loan payoff, because I don't receive statements and there is no option to receive statements, I waited to receive my title. On XX/XX/XXXX, I followed up on my loan payoff to realize that there was a pre-payment penalty due. Upon that understanding, I paid the penalty on the phone to clear the debt. Between XXXX and XXXX, I never received any type of communication either by phone or email or postal service that I was due this penalty or frankly the fact that it was owed or late. That following week, I pulled my credit report and it showed a deficiency of 116 points.  XXXX XXXX reported that I was 120 days past due. This clearly inaccurate and a violation of the Fair Credit Reporting Act ( FCRA ) which states that if an institution reports a status that that status must be accurate. I called XXXX XXXX to discuss this issue and they stated that their credit reporting was accurate. I have never been late in any payment to XXXX XXXX and in all respects was trying to do the right thing to pay off the loan early. The fact that XXXX XXXX never reached out to me verbally in 120 days to tell me that I had an overdue fee seems like a poor business practice that adversely impacted a consumer. My hope in this dispute is to re-establish my credit score and ensure that XXXX XXXX doesn't treat any other customer in this same type of treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED EXPERIAN AND THEY STILL WILL NOT CHANGE BARCALY CARD TO PAID STATUS WHERE IT SHOULD BE AND STILL WILL NOT REMOVE XXXX ACCOUNT OFF OF MY CREDIT REPORT AND OTHER CREDIT REPORTING AGENCIES BECAUSE IT IS NOT MINE AND MY CREDIT SCORE IS STILL LOW ON ALL CREDIT REPORTS IT SHOULD BE ALOT HIGHER THAN XXXX WITH ALL THE PAID ACCOUNTS. CAN SOMEONE PLEASE HELP ME I AM TRYING TO GET INTO AN APARTMENT.
Product: Credit reporting

Tried ton purchase a car at local dealership and was told they could n't get any report from agencies, no number is being reported. I called Transunion and they said it is reporting. I have tried to get home equity loan and was told the same thing. Transunion says no reason for that so why ca n't anyone access a credit number. XXXX had told me all my credit was old, which is true but what should that have to do with my credit history. Transunion has told me there are no negative items on my report. I have a charge account with XXXX which has been active since XX/XX/2003 and XXXX said it was n't reporting properly because my birth date needed to be updated? This account according to them is reporting as no status. It 's the only active account I have had for several years and it is not reporting properly. XXXX says it 's XXXX fault but XXXX has told me that have updated to credit agencies. I ca n't get credit even though my credit has always been very ggod. THIS IS NOT FAIR. credit reporting agencies are prohibiting me from getting credit by not providing any credit history while at the same time saying they are. I do n't know where the disconnect is but it needs to be resolved I need your help