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

I've sent a certified follow up dispute letter to Corelogic XX/XX/2023 disputing multiple inaccurate accounts, inaccurate employment information, inaccurate addresses and the incorrect spelling of my name. Its been over 30s days and they have not responded. They are continuing to report inaccurate information on my consumer report and my 2nd dispute letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were two account that showed up on my Experian credit report that were opened on XX/XX/2019. I saw them on credit report starting XX/XX/2019. Both of these account are of XXXX XXXX XXXX.  I called Experian to dispute these accounts ( around XXXX XXXX ). The representative told me that I have to contact XXXX XXXX XXXX. I called XXXX XXXX XXXX, and was told that I do not exist in their system. They couldn't find anything under my name and SSN. Thus, I went back to experian and disputed it using their online dispute services on XX/XX/XXXX. On XX/XX/XXXX, Experian responded saying that XXXX XXXX XXXX has certified these accounts and they will stay on my credit report. 
I contacted XXXX XXXX XXXX and was treated rudely by their representative, because she couldn't find any account under my name, while Experian is showing two account that I never opened. 
None of these companies are trying to help me resolve these, as both of them are referring me to each other for dispute these activities. 
One account has balance of {$1500.00} with credit limit of {$14000.00} Second account has balance of {$1900.00} with {$5500.00} credit limit. 
Because of these activities my credit score went down 11 points. 

Also, there is a wrong address showing up on my report, which is reported by XXXX XXXX XXXX. I  tried to dispute that, but Experian is not removing it from my report as well. Other two credit bureaus, ( XXXX and XXXX ) has none of these information on their credit reports.
Product: Credit reporting

TD Bank XXXX XXXX XXXX Bank NA ) REFUSED to provide my XXXX score and reasons for denial of a declined loan application. 
( in violation of the Equal Credit Opportunity Act XXXX They only provided the toll free number to the credit reporting service XXXX automated system that could not provide any information ) XXXX/XXXX/2015
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX XXXX  : XXXX XXXX XXXX  : XXXX has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a collection mark on my Experian credit file from XXXX XXXX for {$390.00}. I sent XXXX XXXX a debt verification letter via US mail. This letter requested documentation of proof of debt, a copy of the original written agreement between the parties signed by me, a bill of sale or any documentation proving I have a legal responsibility to XXXX XXXX. They were not able to provide such documentation. 

XXXX XXXX sent me a copy of what appears to be bill from XXXX. The did not provide me any documentation with my signature or proving I have a legal responsibility to XXXX XXXX. 

On XX/XX/22 I responded to XXXX XXXX  that they did not provided sufficient proof of debt and to remove the collection from all credit reporting agencies or be in Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, Fraud and Defamation of Character. 

I opened a dispute on Experian Credit Bureau regarding this collection, sharing all the information I requested and the legal requirements XXXX XXXX needed to provide for proof of debt ownership and validation. Since convergent is not able to provide the legal documentation, Experian is required by law to remove the collection from my credit file. Experian has not removed the collection from my file
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX {$4000.00} Payment Sent XX/XX/XXXX Shown on the statement XX/XX/XXXX Check cashed and stamped by Goldman Sachs Apple XX/XX/XXXX Payment reversed, Apple to apply no details why, bank of check confirmed funds were cashed XX/XX/XXXX {$4000.00} reapplied and an email was sent apologizing for their admin error Multiple calls confirming that the payment would be backdated since funds were NOT late, it was a result of the banking institution, and that the late payment of 60 days in XXXX would be removed. 

My payment was reported 60 days late in XXXX of XXXX. In XX/XX/XXXX on the phone I was told this late payment would be removed because it was Apple 's mistake. It has yet to be fixed. These late payments are not accurate. The original XXXX payment was not backdated. They just reflected it as a new payment in XXXX. Their error has drastically affected my credit where I've never had a 30 late payment. 

My funds were held hostage, my calls and investigations with them go nowhere. 

XXXX of XXXX there were fraudulent charges that were disputed. My payment for XX/XX/XXXX did not post till XX/XX/XXXX. They reported that 60 days late despite it being 1 day late. My statement shows XXXX payments within 60 days of XXXX. Their reporting is inaccurate. I have been going back and forth with them for over a year having to start over every time I call and not receiving any callbacks. 

Their customer service has not helped at all. 
Proof attached : check with time and date of being cashed by Goldman Sachs, gmail with their apology, statements reflecting errors & showing all payments, proof of check being sent via USPS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting incorrect information on my credit report to Transunion. I have tirelessly contacted Transunion many times regarding this unverified debt. I have requested an internal investigation into a {$3000.00} debt that is being reported. Upon doing so, I contacted the XXXX XXXX XXXX and they are not able to share any information they have on the debt. I spoke to the manager on the week of XX/XX/2019 and she was not able to find my name under this debt or the apartment number it claims to be under. XXXX XXXX XXXX is aware of this problem and is unrelenting in removing this debt from the credit report. Transunion is the only credit company currently reporting it, but is also unable to find further information and details regarding the debt, even after the investigation period. This charge has stayed on my credit report and continues to be updated and harm my score through Transunion. The apartments and credit company have requested information I do not have to investigate properly. XXXX XXXX XXXX has not been able to prove my debt due to insufficient information on the case.
Product: Checking or savings account

Bank of America is closing branches and using COVID as an excuse. In my hometown, zip XXXX, there were 5 branches. None are open, they left one drive in teller to serve the community. Why not all drive ins? That might make senses under current conditions. 
Now Im at my summer place in CT and they are doing the same here. 
Using COVID is a very thin excuse. It appears they are doing this for short term gains at the expense of customers. 
I intend to find another bank when I get back home this fall. B of As customer service has been POOR, now there is no service. 
How can they just close branches? Isnt regulatory approval required?
Product: Debt collection

Due to Covid19 and loss of business income, I had a vehicle I voluntarily surrendered to Ally Financial, that vehicle was sold on XX/XX/XXXX, I received a letter from Ally Financial on XX/XX/XXXX stating what my deficiency balance was. On XXXX XXXX, I tried to call Ally Financial and was routed through their automated system to XXXX XXXX as it indicated my account had been turned over to them for collection. I tried for several days to reach XXXX and finally on XX/XX/XXXX, was able to reach XXXX XXXX XXXX with XXXX. Upon my conversation with him, a settlement agreement was made in the amount of {$4200.00}. I gave him account information for which to take that payment out of. I was told that once that cleared my bank account, I should call back in and they could then issue me a receipt and also would notify Ally Financial At that time that my payment was made in full and had cleared. Since XXXX XXXX, when I was notified by my bank that the payment to XXXX XXXX had processed and cleared, I can't get anyone to answer the phone. I have called daily if not multiple times a day since XXXX XXXX and left at least one if not more messages a day requesting a receipt for this payment beyond what my bank statement has already showed. There has been no answer on their end nor any attempt to call me back. I would like to get this settled and have formal receipts from XXXX so that I can show this paid and also so that Ally Financial will show this has been paid. 

You'd think after handing this company over {$4200.00}, they could do a much better job in customer service. 

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

In accordance with the Fair Credit Reporting act Convergent Account # XXXX, XXXX, XXXX, 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 a account without my written instructions. I have asked for the information to be deleted and not just and investigation with these accounts. Still violating my rights and must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NON PERMISSIBLE USE CREDIT INQUIRY XX/XX/XXXX XXXX NON PERMISSIBLE USE INQUIRY XX/XX/XXXX XXXX XXXX NON PERMISSIBLE USE INQUIRY XX/XX/XXXX XXXX NON PERMISSIBLE USE INQUIRY
Product: Credit reporting, credit repair services, or other personal consumer reports

To Who It May Concern In XXXX, we went to a bank to get a mortgage. The bank indicated that Experian ( XXXX ) reported that over the past 7 years we were late 7 times 90 days, 1 time 60 days, and 5 times 120 days. WE HAVE NOT EVER BEEN LATE! Whats more, you are selling the loan effective XX/XX/XXXX. Ive sent Experian my payment history and they claim they have not heard from you yet, that was today. We are trying to close on the property XX/XX/XXXX and I am PLEADING with you to please ASAP contact them and set this straight. We have been good customers and I believe we deserve your prompt attention. The other agencies report current with no late payments. They also told me you have till the XXXX or it will stay on my credit reports. Please call me ASAP! Attached is the payment history XXXX sent to me. Attached are bank statements corresponding with those dates claimed late.
Product: Debt collection

In XXXX, XXXX, XXXX XXXX, manager at GC Services Limited Partnership, contacted me repeatedly to collect my student loan debt from their said client, XXXX XXXX, who held my student loan. XXXX proposed a {$9000.00} settlement from me on my loan of {$38.00}, XXXX balance, at that time ( it has since accrued over {$2000.00} in interest with my current loan holder, XXXX ). XXXX and I went back and forth several times on the phone negotiating terms. We discussed my financial and personal stressors affecting my repayment at that time ( to include me being between jobs from the XXXX XXXX XXXX ending in XXXX, my father unexpectedly passing away in XXXX, joining the XXXX that XXXX, and having moved unexpectedly three times already that year with more major moves to come ). She offered a lower settlement amount so I could begin paying on it before I left for basic training that XXXX where I would be non-reachable for three consecutive months. She agreed to a {$2000.00} total amount paid in 6 installments to GC Services, LP to settle my entire student loan held by XXXX XXXX. 

I agreed and paid the initial payment of {$330.00} on XX/XX/XXXX with the remaining installments of {$330.00} due on the XXXX of each month thereafter. XXXX XXXX emailed me a document with the Settlement Agreement of these terms. I paid the entire settlement amount in full and in advance. However, I never received confirmation. I reached out several times to confirm but was unable to reach anyone. Other major life changes and additional losses took precedence and I moved forward. 

Early XXXX, I was contacted by XXXX who had apparently taken over my XXXX loan. The new amount ( with interest accrued from the past two years I assumed it was settled ) is now over {$40000.00} and due for payments in XX/XX/XXXX. I informed them of the previous settlement with GC Services. They had me upload those documents, but ultimately said settlements are not an option and GC Services was a fraudulent company. 

At that point, I contacted GC Services to get proof of my final payment on the settlement agreement with XXXX XXXX from XXXX. She was no longer with the company. The new manager, XXXX XXXX, told me my account was locked but he would work on opening it back up to email me proof of payment on the loan agreement. 

On XX/XX/XXXX, XXXX XXXX emailed me the document stating they were happy to let me know they received and posted my final payment from XXXX to my student loan account held by XXXX XXXX. It said once the payment was cleared, they would report to their client that my account was settled in full. His contact number was included ( XXXX ). 

The following week, I tried to arrange a three-way call between GC Services XXXX me, and XXXX. I called GC Services about a plan to coordinate this with them in the days to come. They have not answered multiple phone calls from me since that attempt to schedule the 3-way call. Their phone robot states it does not recognize my number and puts me on an endless hold. 

I have attached document of agreement, payment confirmation, and loan information.
Product: Debt collection

I have asked them not to call my XXXX on his number at least 3 times. They will call and leave me a voicemail and if I dont call right back they will call my Fathers number and tell him they are a debt collector looking for me. They should be waiting 48 hours after leaving a vm for me to return the call. They have also left voice mails on my Fathers home number where he then played them outloud so everyone heard that a debt collector is looking for me. Trying to embarrass me does not make money appear in my bank account. Its harassment plain and simple.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items and bankruptcy which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX  XXXX Balance : {$410.00XXXX XXXX XXXXXXXX Balance : {$6100.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit card or prepaid card

on XX/XX/XXXX i book a hotel and paid with my XXXX XXXX  card, i call the hotel to cancel, res was made XXXX : ..XXXX  and cancel XXXX 3 hrs later. It was well within their cancellation policy, The hotel even said if it was cancel within 24 hrs they honor it
Product: Bank account or service

The bank honored a check that was dated a month in the future. Granted, the vendor should not have submitted this check, but the bank thinks it is fine to ignore the date on the check. Why do they even have a date line?
Product: Debt collection

On XXXX I sent a certified letter to a-1 collections to validate two accounts that they have placed on my credit report. They have not responded to me, yet they updated the credit bureaus showing the account has been disputed. I do not believe I owe this money and I never received any collection notice from them. 
Ive included a copy of my credit report showing both accounts and the certified letter that was mailed to them.
Product: Credit reporting or other personal consumer reports

I asked Experian to fix errors on my credit report or delete the account they did not fixed the errors to dlelete the account they I honored my problem I have been disputing with them for a year now
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries that appear on my credit report. Under the Fair Credit Reporting Act ( FCRA ) specifically sections XXXX ( XXXX XXXX. XXXX ), XXXX ( XXXX XXXX. XXXX ), and XXXX ( XXXX XXXX. XXXX ) I have the right to challenge inaccurate information and request its removal. 
After carefully reviewing my recent credit report, I noticed the following inquiries that I do not recognize or authorize : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Why I Am Disputing These Inquiries According to section XXXX, I have the right to dispute any inaccurate or incomplete information on my credit report. Since I did not authorize these inquiries, I am requesting a formal investigation and their removal if found to be invalid.Under section XXXX, I also have the right to access all the information in my file. After reviewing it, I am confident that these inquiries were made without my consent. 
Finally, section XXXX defines the permissible reasons for pulling a credit report. Since I did not provide authorization, these inquiries do not seem to meet the legal criteria for valid access. 
What I Am Requesting I kindly ask that you : Investigate the disputed inquiries. 
Remove them from my credit report if they are found to be unauthorized or made in error. 
Send me an updated copy of my credit report once the corrections are made. 
For your reference, Ive included a copy of my ID and SSN to verify my identity. I appreciate your prompt attention to this matter and look forward to receiving confirmation of receipt and updates on the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact   XXXX   on several occassions in regards to inquiries on my credit file that I did not authorize. I am told that I have to contact the companies directly to inquire about the inquiries. I have multiple duplicate inquiries some from the same com pany withing days of one another. Some of the inquires really dont make any sense, for example.. there is an inquiry from   XXXX   XXXX   XXXX   this is a company that leases equipment to businesses. I am not  a business owner why would I apply for credit to get business equipment. Another one is from  XXXX   XXXX , tried calling this company and it never puts me through to a person and then the line hangs up, cant even leave a voicemail. I spoke with   XXXX   and told them that tthis   XXXX   XXXX  l is showing an inquire for  XXXX  and then again for  XXXX . I have several inquiries on my report that are withing days or not even a month apart. I did not authorize any of the inquiries I called them about and yet no one will even go down the list with me to even look at the inquires so that they can atleast see what my concerns are. I did not apply for any loans or credit cards from any of the companies listed in my inquiries. my ch  XXXX  bankruptcy discharged in  XXXX   XXXX  any inquiries listed before  XXXX  were not authorized by me. Why would I app ly for credit one day and then apply to the same company the next day? something is not right with the inquiries on my credit f ile
Product: Bank account or service

I deposited a check from my roommate into my account because I paid the move in cost for us to move into our new apartment. His check returned, the bank never release the money which is a good thing and I got accessed a returned check fee, which I do n't mind paying. The bank has now restricted my account and is scheduling it for closure. This is unfair to me as I need this account.
Product: Credit reporting or other personal consumer reports

I am a victim of identity fraud theft i have notified all 3 credit bureaus since XX/XX/year> and continue to be victimized. 
Here are the following accounts : DEPT OF ED/XXXX- {$2400.00} DEPT OF ED/XXXX- {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Late XX/XX/2019 Requested via phone to transfer payment from an existing payment account to a different account ( joint account shared with myself and my husband ). Received letter on XX/XX/2019 from Chase that automatic payments for the old account had been canceled and new autopay could be set up again in a few days.

XX/XX/2019 Submitted payment online using new bank account.

XX/XX/2019 Payment was rejected.

XX/XX/2019 Made payment via phone, confirmation # XXXX. Explained during this call that the rejection issue was on Chases side and that I had received nothing from my bank ( XXXX XXXX XXXX XXXX ) indicating that a draft had been attempted and rejected. 

XX/XX/2019 Payment was rejected.

XX/XX/2019 Called pay from bank ( XXXX XXXX XXXX XXXX ), they confirmed that no draft had been attempted by Chase. 

XX/XX/2019 Made payment via phone with old account. Confirmation # XXXX XX/XX/2019 Submitted payment online using new bank account.XX/XX/2019 Payment was rejected.

XX/XX/2019 Called Chase inquiring why payment was rejected again. Again, I explained that the problem was not with my bank, XXXX XXXX. Was told that they would look into and call me back. 

XX/XX/2019 Chase called when I was unavailable.

XX/XX/2019 Called Chase asking for update on case. Was told person managing was unavailable and that I would be contacted with information regarding a call review Told that the person managing the case would call me back on XX/XX/2019 between XXXX CDT. 

XX/XX/2019 Chase called me back at XXXX when I was unavailable.

XX/XX/2019 Called Chase asking for an update on case. Was told that the problem ( dating back to XX/XX/2019 ) was the result of an agent error they didnt enter the checking account number correctly - 9 digits instead of 10 - and therefore it was rejected. I reminded them that I had called AND submitted payment online several times AND had confirmed the account number with various people at Chase, in total at least 6 times over the course of the last two months. Provided account information for XX/XX/XXXX payment and was told it would post within 48 hours. Confirmation # XXXX. Asked what Chase planned to do to compensate me for my time. After being put on hold, was told that Chase would waive the late fees for XX/XX/2019. Informed them that this was insulting given the issue was caused by them.

XX/XX/2019 Payment appears to have posted. Late fee assessed onXX/XX/2019 remains.