23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My brother in law used my identity to apply for several credit cards. I then submitted an Identity Theft affidavit disputing those inquiries to the credit bureaus but it looks like they closed this account as a result. This account is mine and not a fraudulent account. I do not want this account closed because I need it to pay for my XXXX  medication.
Product: Money transfer, virtual currency, or money service

In XXXX of this year I sent money to my son 's bank account through XXXX {$200.00}. His account was closed. XXXX never returned the money to my account at XXXX XXXX XXXXXXXXBoth institutions told me the money was paid. To this date my funds have not been returned to my account at the Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pentagon Federal Credit Union has reported incorreect information on my credit report. I was not aware of this until XX/XX/XXXX when my credit report was reviewed. I contacted Pentagon Federal Credit Union on XXXX XX/XX/XXXX. A credit card was issued to a family member in XX/XX/XXXX. The credit card has been since charged off on XX/XX/XXXX. There was a balance of {$19.00}, XXXX. Through many conversations with different Pentagon reps, I was told that I was a joint card holder. I have never authorized or signed any forms as a joint or authorized used of the credit card. I was not aware of any Pentagon credit card. ( see attachedment of authorization form ). I have been calling and attempting to result this problem for nine weeks from XX/XX/XXXX until XX/XX/XXXX. 
Pentagon has not returned any of my phone calls. 
This problem has caused a very stressfull situation and a low credit score. Several of my credit cards were closed due to this incorrect reporting. I am not responsible for the balance.
Product: Prepaid card

I received an XXXX from my employer as a XXXX bonus gift with a balance of {$200.00}. I tried to use the card at XXXX XXXX week ago and it was declined. Then today, it was declined again when I tried to purchase XXXX pairs of jeans from XXXX for {$90.00}. I called the Amex Rewards Card number ( XXXX ) today XX/XX/23 and spoke to a representative right away. He could see that I was trying to purchase something from XXXX and could see the exact amount, but could not explain why the card was being declined. He told me to " Try it again in a while '' or to " Use the card at a different merchant ''. I told him that I wanted to make a purchase at XXXX, not some other merchant and asked him if there was anything he could do on his end to allow the payment to process. He could not help me and just repeated the previously mentioned statements about waiting and trying again or using it at a different store. This is the XXXX  store that has declined the card ( first store was XXXX ), but I did not reach out to the company at that time.
Product: Credit reporting or other personal consumer reports

I disputed this item With XXXX XXXX  Because its over XXXX XXXX XXXX in XXXX the results were for it to be deleted from my credit report buts still there and its XXXX
Product: Debt collection

As recent as XXXX XXXX and as early as XX/XX/year>, IQ data international made contact with me in reference to a debt that is not mine. I am on PSH housing program for XXXX individuals that covers my rent and utilities, as long as the apartment agency agrees to the terms of the assistance. For XXXX the XXXX XXXX XXXXXXXX XXXX XXXX to accept an additional amount of money from XXXX XXXX XXXX ( my housing agency ) to go towards utilities. When I left the apartments they said I owed them for an unpaid electricity bill. I never received Validation of the debt from the XXXXXXXX XXXX XXXX XXXXXXXX the apartment community, or IQ Data International, Everytime I have called to resolve this matter, the representatives have ignored my request for proof that I owe a debt, and they have done so in a rude, unprofessional, and verbally abusive manner, I am looking for a new apartment due to health issues, and this fraudulent charge reported on my credit is the only thing stopping me from getting an approval. I need this taken off of my credit report and IQ data needs to be shut down their employees are horrible and they should be ashamed of themselves.
Product: Credit reporting

I am at my wit 's end. There is an Item on my credit report that is an obvious error and I ca n't get Trans Union to fix it. I had a credit card with XXXX XXXX that was closed and paid off in XXXX of XXXX. Even Trans Union 's credit report shows account closed XXXX XXXX, last payment received XXXX XXXX, and a {$0.00} balance. However, they are showing a late payment almost two years later in XXXX XXXX. It does not take a genius to see that this is impossible. I have been disputing this information for about two years now and they will not fix it. This has caused me to be denied a mortgage and to pay higher interest rates. I 've been told the best way to fix this is to file a lawsuit but I am XXXX in XXXX so I ca n't do that right now and besides I would prefer to not take those measures unless I have to. This has become even more complicated now because XXXX XXXX has sold the account to XXXX. So XXXX XXXX can no longer see the account details and XXXX ca n't get it removed because they did n't make the report. Anyone with a little common sense can see that this is an error and that it 's not possible for me to make a late payment on an account that was paid off two years earlier. This is not right I should n't have to suffer for someone else mistake.
Product: Credit reporting or other personal consumer reports

I keep on dispute inaccuracy on my credit report and every month all I get in the mail is a letter saying verify I don't think someone is looking at my disputes ( I mean a actual person ) I think this practice is wrong and all my disputes items need to be deleted ASAP because it as been 5 month disputing them.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Experian on XX/XX/year> regarding inaccurate information on my credit report. Since then, I have not seen any corrections or received valid documentation to verify the accuracy of the disputed information. 

Despite my efforts to resolve this matter, Experian has failed to provide : Signed agreements or contracts related to the disputed account. 
Statements, payment records, or transaction details to validate the item. 
Any meaningful explanation or resolution to my dispute. 

This lack of action has caused ongoing frustration and has negatively impacted my financial situation and ability to secure credit. 

Actions Taken : Submitted a formal dispute on XX/XX/year> via mail. 
Followed up several times to no avail.

Outcome Sought : I request a full investigation into this matter, prompt removal of 
the inaccurate information, and an explanation of Experians handling of my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This information is being sent by me, not a third party. My proof of identity, and address are attached. On XX/XX/2020 I sent a certified letter with return receipt to Experian. They have sent the return receipt back but as consumer ignored the requested of proof. I have attached along with this statement the letter I sent. I was inquiring about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by law to verify through the phyiscal verification of the original signed consumer contract. Under FCRA I requested verifiable proof that they had on file of ( an original Consumer Contract with my signature on it ). Because of there failure to do so by law under the FCRA, unverified accounts must be removed and if unable to provide me a copy of verifiable proof, they must remove the items of the accounts I listed : 1 ) XXXX XXXX ( 2 accounts ) : sitll on my credit report supposed be deleted 2 ) XXXX. XXXX XXXX XXXX  : still on my credit report supposed be deleted 3 ) XXXX XXXX : still on my credit report supposed be deleted 4 )  XXXX XXXX XXXX : was deleted 5 ) XXXX XXXX XXXX : still on credit report suppose be deleted There failure to positively verify these accounts has hurt my ability to obtain getting a house and other credit. As XXXX military XXXX  serving my country this has cause me and my family much sadness. None, of the credit agencies, creditors and collection companies have given me proof of what I requested in writing. So, by law these items should have been deleted if this proof wasn't given.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong address displayed on credit report immediately remove XXXX XXXX XXXX XXXX XXXX fl XXXX and any other address my only and current address Is XXXX XXXX XXXXXXXX XXXX XXXX fl XXXX I
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been dealing with equifax for more then 6 months with the same problem to no resolution at all..The problem is with XXXX XXXX able to report on my credit file after i have mailed, email.faxed..communicated to over 15 customer service about this problem.XXXX I purchase a vehicle from XXXX XXXX receive my title in the mailXXXX i purchase another vehicle from XXXX XXXX  for XXXX +title and taxes it was XXXX high balance after paying the vehicle of i recieved my title in the mailed XXXX and XXXX i did a title loan on it from XXXX XXXX XXXX XXXX I didnt want the vehicle and i allowed XXXX XXXX to keep it..XXXX XXXX XXXX took me to court for balance of XXXX ..I had XXXX  XXXX XXXX XXXX to represent me and i was told by XXXX XXXX that i did not have to go to court due to health issue and I was in the hospital..XXXX XXXX told me that i lost, Dont worry as long as im disable XXXX XXXX wont see a XXXX..XXXX XXXX I filed suit against XXXX XXXX because im trying to purchase my first home and that judgement is damaging my chance to get approved, equifax isnt doing a complete job XXXX  XXXX  keep reporting back to equifax that the account belong to me and the information is accurate, which it not with XXXX XXXX reporting high balance of XXXX and the unpaid balance is XXXX the payment history add up to XXXX its not adding up.XX/XX/XXXX CFPB had a Block added to my credit report and both XXXX XXXX  and equifax received the documents, and i had a fraud alert added XX/XX/XXXX to my account XX/XX/XXXX XXXX XXXX reported 180 days late ... XXXX XXXX denied my loan approval because of XXXX XXXX and equifax not doing their job ... I have filed over 17 disputes about this matter .equifax employee keep telling me to get in touch with XXXX XXXX, I keep explaining to equifax that we're in Litigation in the District court of Alabama ..XXXX XXXX XXXX XXXX and by me been Pro se and XXXX no one want to help to make this right ! Thank you for your time and effort
Product: Debt collection

Ditech has refused to send statements on a monthly basis to cut down paperwork, they also have not reported my payments to the credit bureaus. Now I will no longer know if they have received and posted my payment or have any balance information given to me like they use to and I believe this is unfair. The company claims they want to cut down on sending paper statements. Now I will loose all track of payments and balance history unless I call them monthly or request a payment history which means they will have to send paperwork anyway so this is unfair and makes no sense. This kind of behavior with these companies has to be stopped. Consumers seem to have no more protection of our second mortgage debt and that should be against the law.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$690.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I filed for Bankruptcy. In XXXX and XXXX I filed for chapter XXXX bankruptcy. After review of my credit report I see all three credit bureaus have listed the bankruptcies on my credit report using inaccurate information. Each credit report states they obtained the information from the US Bankruptcy Courts and listed their name and address. I have contacted the US Bankruptcy court and they have informed me that they do NOT send bankruptcy information to credit agencies. Therefore, the information on my credit report is inaccurate and I am requesting the information deleted from all 3 major credit bureaus : XXXX, XXXX and Experian. FCRA states not false information is allowed on a consumers report. I have tried to dispute this will all 3 companies and have not received a response.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I reached out to Experian, XXXX, and XXXX upon me noticing the numerous amounts of incorrect information on my credit report. I made them aware that some of the names listed as well as accounts did not belong to me. I submitted proof of identificaton as well as proof of address and still the negative items remain. t
Product: Credit reporting or other personal consumer reports

There may be a mistake, these accounts are not mine and they may be affecting me. You can remove them. 
XXXXXXXX XXXX XXXX XXXX XXXX
Product: Student loan

I contacted Mohela on XXXX They said that it should be resolved by XX/XX/XXXX. 
I recieved statements and expected full payment again. 
Called back on XX/XX/XXXX Spoke with a representative and a supervisor that stated that their systems error messed up and they don't have a timeline to fix this. In the meantime I have been put on forebearance for 2 months with no resoultion. My IDR plan is not active which means neither is my PSLF. All the months are not qualified under standard based repayments and this error is causing me to not have my loans forgiven by XX/XX/XXXX like intended. This is a big problem as before the pause and switch everything was up to date as it should be and I was doing my part. This is messing with people 's lives and its not ok. I can not afford a standard payment and never could and my loan servicer is not prioritizing fixing their mistake.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report that I would like removed. According to the FCRA, the unverified and unauthorized items must be removed.
Product: Debt collection

I am an escrow officer in the state of Washington and I have been trying to obtain a payoff statement from Quality Loan Service Corporation of Washington for over a week now to stop the foreclosure of a property I am facilitating the sale of. I originally requested the payoff on Monday XX/XX/XXXX. I called Quality Loan on Tuesday XX/XX/XXXX at ( XXXX ) XXXX and was told they never received my payoff request. I have 5 emails showing that I sent them all of the proper paperwork/authorization/request, but I went ahead and sent it again. They finally were able to tell me that they received my request on Tuesday XXXX. I was told I would receive the payoff on Wednesday the XXXX or Thursday the XXXX at the absolute latest. Thursday I called to check on it again as this is a very rush closing, and I hadn't received the payoff like I was told I would, and I was transferred to the attorney who was handling it. He told me I needed to send an email directly to him and he would get the payoff to me within the hour. His name is XXXX XXXX and his email is XXXX. I sent him the email with all pertinent information like he requested. It is now Monday the XXXX at XXXX, and I still have not received the payoff and nobody is answering my phone calls or emails. I have emailed XXXX, XXXX, and XXXX multiple times asking for an update or an XXXX. I have called Quality Loan Service and left 2 voicemails today, the XXXX. No one is returning my phone calls or responding to my emails. The borrower on the loan is deceased and we are working with the deceased 's court-appointed personal representative, so she really does not have much information about this loan, but I asked that she call in to see if she could speed things along but she was told " We do not have an authorization for you on file so we can not speak with you about this loan '' - I have sent Quality Loan the Letters of Testamentary approved by the courts showing she is the authorized personal representative of the Estate numerous times along with her signed authorization and the deceased party 's death certificate. Quality Loan told me last Thursday that they did receive all of the documentation so I am not sure why the personal representative is getting told they aren't allowed to speak with her. I am not sure what the hold up is but Quality Loan is preventing a closing that will stop the foreclosure from happening. I understand generating a payoff statement takes time, especially for a property that is up against a foreclosure, but I keep getting told unrealistic timelines and now I can't get ahold of anybody that can give me a straight answer. All I am looking for is a payoff statement, or at least a solid XXXX on when I can expect it the payoff statement to be sent to me.
Product: Mortgage

My XXXX is not working with me to find a solution for my situation. Just giving me run around. I am trapped and do not know what to do. I applied for modification several times and they have never given me a valid reason. This time, I got this letter saying that I have reached maximum number of modifications. I do n't know what it means and they are not willing provide any proof of their statement or clarify it. They are making up fake reasons while adding all kind of fees on my account making it impossible for me to keep my home.
Product: Mortgage

House build XXXX by XXXX XXXX  ( builder ) for XXXX program. The builder was named in the suit but he died about XXXX I believe. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX City Mayor XXXX XXXX sent my account to AmeriNat for collection. I became XXXX in XXXX. XX/XX/XXXX I submitted the Loss Migration forms, I was told Foreclosure papers have been filed. As of XX/XX/XXXX I have heard nothing else. I am XXXX XXXX XXXX and XXXX, I can not afford this XXXX XXXX XXXX mortgage. I have talked to housing counselors who suggested applying for heloc loan, I can't afford the rates. The lender who has the XXXX lien denied a home improvement loan in XXXX. I am old, XXXX & XXXX so I feel like I have a target on my back. XXXX XXXX ( XXXX. XXXX8 ) https : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Issues with TransUnion and XXXX 'XXXX XXXX on credit report XX/XX/XXXX, XXXX I submitted a dispute to TransUnion through XXXX   XXXX file # XXXX. I called TransUnion XX/XX/XXXX because the investigation was completed with no change to my credit report. I gave the file number and the rep saw the XXXX XXXX dispute. TransUnion advised to open another dispute, however ; I explained I've been having issues disputing the account on TransUnion 's website that is why I disputed it through XXXX XXXX. TransUnion has no dispute links on their website to dispute the account and I communicated that to the rep. She gave me the online dept to assist XXXX. She was very combative and stated I needed to open another dispute. She also stated XXXX XXXX XXXX refused to update the incorrect inaccurate account that's paid in full. I explained the documents I have as proof can't be uploaded because I can't create the dispute online because their website doesn't give me the links to dispute the account. XX/XX/XXXX I called the online dept at XXXX and spoke with a gentleman that stated TransUnion isn't affiliated with XXXX XXXX and he had no record of my dispute and he gave no assistance to why I can't create a dispute online. I explained on XX/XX/XXXX the rep saw my dispute with XXXX XXXX with the file # XXXX. I told him he was a liar or the previous rep was and I've been trying to file a dispute directly with TransUnion since XX/XX/XXXX, thus I had to dispute it through XXXX  XXXX. I further explained I needed to upload receipts of payment and letter from XXXX XXXX to show XXXX XXXX the account is paid in full and the amount of {$140.00} is not what was owed to XXXX. I let TransUnion know I could not upload these documents through XXXX XXXX on XX/XX/XXXX because XXXX just emailed them to me on XX/XX/XXXX which the letter from XXXX reflects the date of XX/XX/XXXX. XXXX had been trying to email me the receipts since I made payment on XX/XX/XXXX. 

I explained XX/XX/XXXX and XX/XX/XXXX to TransUnion that they left XXXX XXXX XXXX on my credit report without an effective investigation because if they had of contacted the original creditor which is XXXX managed by XXXX they would know this account was paid in full on XX/XX/XXXX in the amount of {$130.00}. I further explained in my dispute through XXXX XXXX to TransUnion that XXXX 's XXXX is consistently increasing the original amount of {$130.00} to {$140.00}. I communicated this XX/XX/XXXX to TransUnion during my call and the rep kept saying they didn't have an account with a {$130.00} balance. I explained that's the original amount and it states the original amount on my credit report. The rep was very combative.
Product: Student loan

My student loans are through MOHELA, I am in the XXXX program. Back in XXXX I received a letter from MOHELA stating that I needed to recertify my income or else my monthly payment would increase. According to the CARES Act ( XXXX XXXX XXXXXXXX ) if my recertifacation date is before XX/XX/year> then it will be pushed out 1 year. MOHELA says that is not the case and that my payment will increase to over {$2000.00} per month unless I recertify before XXXX. I have called several times and no one will assist me or show me that actual law where this is being stated.
Product: Checking or savings account

My son ( XXXX XXXX XXXX ) was scammed at the end of XXXX. Scammers deposited fake checks into his account and then took the money out though XXXX. The checks are 99 % identical and the bank didn't block/flag anything do to their poor security and my son lost thousands of dollars because of it. Any attempt to work this out with the bank has only resulted in them gaslighting my son and I. They refuse to accept any accountability, keep their word ( they said my son would have his money back within days and not to worry ) and even falsely changed the narrative in their system trying to dodge responsibility even after I filed a police report stating the facts. I even told them what they put into the system was false and didn't align with the police report.They are committing fraud and are complacent in these illegal activates. At this point they have cut off communication, of course unless go to the branch in person. Even then, the branch XXXX will sometimes run out of the room when he sees me coming in and the other employees will say he is not in today even though I just saw him.