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

On XX/XX/XXXX I received a response from the 3 reporting credit bureau 's Equifax, XXXX, and XXXX  that 2 items on my credit report were correct and could not be deleted until XXXX. 

The two items in question is with XXXX # XXXX date opened XX/XX/XXXX and date open XX/XX/XXXX. On both accounts its reporting the last payment made was XX/XX/XXXX which is not true I never made a payment on either account so they are reporting false information to keep these negative accounts on my record for more than 10 years. 

When I received my credit report in XXXX it showed on these two accounts that they would be eligible to be deleted in XXXX. That did not happen so when I contacted the 3 reporting agencies they ended up extending it to XXXX which is greater than the 10 years of which these accounts were first open and I was over 120 days past due.
Product: Mortgage

Suddenly, got a call from RoundPoint ( in XX/XX/XXXX ) that we had missed two loan payments ( XX/XX/XXXX & XX/XX/XXXX ), but our loan had been sold XX/XX/XXXX to XXXX, not RoundPoint. When we called XXXX, we were told that " for some reason '' a welcome letter had not been sent, so we asked for it. Also, to-date, XXXX is unresponsive, about why they did n't pre-tell us that this change was to occur ( and who they sold it to, so we could make the necessary auto-pay changes )
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account : XXXX Public Record Bankruptcy, 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
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had one late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached : What would be a fair resolution to this issue? 
Update the account to paid on time and never late or remove it from my consumer report.
Product: Credit card or prepaid card

I had an perfect account with Discover meaning all payments was made on time and usually a payment ahead of time. I had the card since XX/XX/XXXXhad a credit balance of XXXX and only used about XXXX XXXX on the card. in XX/XX/XXXXthey sent a letter saying I can get a consolidation loan to pay off any high interest credit cards. I applied for XXXX XXXX and was told to send proof of income which I am retired so I sent all income I receive from social security also including any other income that's not taxable and I got instant approved and I had 3 cards that was paid off. The very next week I get a call from discover telling me not to use my credit card because they have been frozen and that I need to complete a tax form from the IRS for the past 2 years. I told the representative I been disable since XX/XX/XXXX and won't have filed taxes since XX/XX/XXXX. I also shared with the rep that I had sent in forms from social security as well as a bank statements which I think is personal.and I shared too much personal information already. I went online and signed the tax form to the IRS. I get an email a week or so after asking me to call them and I called them on XX/XX/XXXX and was told my account will be closed because they are unable to verify my address through the IRS because I haven't file taxes in the past 2 years. I told the rep I told them that before and im sure most people that receive social security don't file taxes but we pay our bills. The rep response was that is how they verify addresses. I told her then that's discrimination on anyone that's disable or retired no matter how high the credit score is or how they are able to pay. The company discover will close out their account because they don't file taxes!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Dear Consumer Federal Protection Bureau, Please be advised that I have never filed a complainant against a credit card company ever before. 

My XX/XX/XXXXaccount mainly serves as a vehicle for XXXX XXXX Purchases which ends in the number XXXX was compromised with XXXX XXXX Visa card by XXXX with an unauthorized charge against my citi-card credit card on XX/XX/2021 by XX/XX/XXXXONE TIME FOR A TOTAL CHARGE OF {$540.00} DOLLARS. 

This unauthorized charge by DISH NETWORK WAS NOT APPROVED BY THE COMPLAINANT NOR DO WE KNOW HOW DISH OBTAINED MY XXXX XXXX XXXX XXXX VISA CREDIT CARD. 

This compromised security breach of XXXX XXXX XXXX XXXX VISA XXXX XX/XX/XXXXhad caused harm by suspending my purchases opportunity at XXXX XXXX AND RECEIVING A CREDIT REPORT ACTIVITY ALERT FROM MY DISCOVERY CREDIT PROGRAM. MY DISCOVERY IDENTITY THEFT MEMBERSHIP HELPS ME STAY INFORMED ABOUT THE CHANGES TO YOUR CREDIT REPORT. RECENTLY, DISCOVER IDENTITY THEFT PROTECTION PROGRAM RECENTLY, DETECTED ACTIVITY THAT NEGATIVELY IMPACTED DAMAGES TO MY CREDIT HISTORY SINCE XXXX XXXX XXXX XX/XX/XXXXVISA CREDIT CARD SENT OUT THIS DAMAGING REPORT THAT MY CREDIT CARD WAS OVER LIMIT. 

I had called theXX/XX/XXXXrepresentative to report this illegal unauthorized charge and the representative stated they would remove the {$540.00} dollar charge and re-issued another credit XX/XX/XXXX XXXX Visa XXXX which arrived in the mail on XX/XX/2021. 

I had talked with the XXXX Representative on XX/XX/2021 regarding my suspension of charge card privileges and my credit report negative activity alert which I explained has damaged my credit card history by all 3 credit bureaus, includingXX/XX/XXXX credit agency. The XXXX Representative says they can not do anything about there negative reporting against me that I am over my credit limit to 3 reporting credit agencies. 

XXXX Legal says they are investigating many other complainants, some class action ( s ) investigations surrounding these issues and randomly lowering customers credit limits without notification to the customer card account owners causing hardships and other financial penalties which do occur. 

I pray that the Consumer Financial Protection Bureau will order XX/XX/XXXX to remove there false negative credit reports to all 3 credit bureaus due to XX/XX/XXXX Compromising my credit information and allowing XX/XX/XXXX the capability to approve this illegal unauthorized one time charge of {$540.00} dollars. PLEASE INVESTIGATE CITI-CARDS POLICY AND PRACTICE TO APPROVE THERE UNAUTHORIZED CHARGES AGAINST CITI-CARD CUSTOMERS. 

THIS NEGATIVE FALSE OVER THE LIMIT REPORTING HAS CREATED DAMAGED MY FINANCIAL OPPORTUNITY TO RE-FINANCE MY HOUSEHOLD MORTGAGE AT A MUCH LOWER RATE OF INTEREST. 

I HAVE A CREDIT RATING IN THE LOWERE XXXXXX/XX/XXXXRANGE. 

THANK YOU AND XXXX BLESS.
Product: Mortgage

I call and call and call asking about my payoff quote and they refuse to give me the payoff amount. I've provided all the documentation they've requested. They keep saying their " sorry '' but they refuse to let me payoff the loan.
Product: Credit reporting

XXXX account listed on my credit report with XXXX TransUnion has been paid and closed since XXXX 2007. I would like this account removed from my credit report as it has been over 7 years.
Product: Credit card or prepaid card

On XX/XX/2021 scammer told me purchase gift card in the amount of XXXX to cover one time loan fee I was told through them then my loan could be processed as soon as I sent them the XXXX vanilla gift card picture they weren't ever heard of no answers nothing
Product: Debt collection

I had asked this company for debt validation which I never received I found out about them through my XXXX report and then after I tried to make an offer and would not budge to the amount that he asked me for he said that he would make sure I would never get a discount from the company again and would make a note of it and would be sure I'm gon na pay what he says becuase he knows I was for sure trying to take care becuase I needed credit which was false not sure how he is going to speak on what I'm going to do. On top of all that the few times I did have contact I was never verified or mini XXXX he never verified to make sure it was me with my ssn or my date of birth he never told me it was an attempt to collect a debt or etc.
Product: Mortgage

My title company has sent 3 wires now trying to payoff this mortgage. I can not get an accurate payoff quote. When I get a payoff amount, it gets wired, then i gat an email that there is stiull additional funds needed. When i talk to the escalation dept, very broken english and they are providing bad information. I just want this loan paid in full!!!!!!!!!!! I better not get a 30 day late for this incompenancy. Most recently XXXX ID XXXX on XX/XX/year>. She provied an amount that said needed to be paid. My title company wired it over in less than 1 hour. Now today I get notice that there is a shortage even larger than what XXXX had me wire last week.
Product: Credit reporting

I have spent the past 6 months sending disputes monthly to Experian about XXXX inaccurate accounts reporting on my credit report. ( XXXX XXXX XXXX XXXX Accounts and XXXX XXXX Account ) Experian has consistently disappointed me by doing everything in their power to not honor the disputes. They 've said:1 ) This is a suspicious request and we are protecting your identity, so we will not honor your disputes ( Although the dispute was not suspicious, it was sent certified mail with a return receipt and included my identification documentation and a list of the accounts in question ) 2 ) Send more documentation, we ca n't verify your identity ( although I sent a copy of my passport, drivers license and social security card with the original dispute and the address on my disputes matched the address on my Drivers License and Credit Report ) 3 ) We have previously verified these accounts, we believe your dispute is not valid, so we will refuse to process it. ( Although their other responses were not verifying the accounts at all, they were requesting more information and fraudulently denying me my rights under the Fair Credit Reporting Act. 
4 ) Now they have stopped responding to my disputes all together. 

It 's evident to me that Experian is willfully non-compliant and blatantly breaking the law. When I sent the request to XXXX and XXXX, they deleted it right away. 

Now, here is the part that really gets to me ... I called XXXX XXXX Collections and they told me that they requested the accounts be deleted from my credit report months ago. I asked them if Experian has investigated the account, and they said no. 
I was recently denied housing because the property management company pulled by Experian report and this information is still haunting me after I 've done the exact process of disputing inaccurate information that is granted to me under the Fair Credit Reporting Act. But Experian is blatantly breaking the law and it 's threatening to make me homeless.
Product: Credit card or prepaid card

From XX/XX/XXXX to XX/XX/XXXX I was XXXX with the United States XXXX in the XXXX XXXX. You can reference the attached document to see that there was no activity from the credit card during the dates above. The balance of my credit card balance from XX/XX/XXXX to XX/XX/XXXX could not be paid as I had no reliable access to phone or internet. At the end of my XXXX in XX/XX/XXXX, I paid the outstanding balance in full, to include accrued interest from late/missed payments. I contacted Navy Federal shortly after paying off my balance to see if they could debit me the accrued interest to me as I had an excuse for not being able to make payments. I was told, " we don't refund or debit interest from missed payments. '' I also requested that they remove the credit suppression against my credit history. I was told, " its too late for you to fix your credit. '' I am writing now because I have become informed of my rights as a consumer and military member per Servicemember Civil Relief Act ( SCRA ). The negative impact to my credit will be corrected as these late/missed payments were no fault of my own.
Product: Debt collection

I sent a debt verification request to Professional Credit Management , INC on XX/XX/2021 and it was confirmed received on XX/XX/2021 and the company has failed to adequately validate the alleged debt. Instead, they sent me a list of medical procedures done, which I know is a direct violation of HIPAA regulations. I never signed and they could not produce a release form authorizing them to have access to this information.
Product: Debt collection

Upon further Investigation, Exeter finance has been incorrectly demanding money from people. They have involved XXXX XXXX XXXX who has paid. ( See attached amount paid ) and they places a collection on my account for the same amount. 
The damages to the vehicle occurred from the repossession company THEY sent. The only people who should be paying them should be the people who caused the damage! The car was in mint condition prior to the repossession, and Exeter can not charge me {$5000.00} 2 years after the repossion was charged off! The amount they placed for collection is inaccurate! I do not owe them anything! They are trying to get money from everybody illegally and I will be seeking legal action against them! Please have this collection removed from my credit report! Again please seek the receipt of payment to Exeter from insurance company. But also keep in mind that neither of us should have had to pay them ANYTHING because it is THEIR company who damaged the vehicle during the repossession!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX on XX/XX/XXXX regarding this complaint. 

Your phone number XXXX does not ring. It goes straight to voice mail. 

I Ask again that YOU remove the hard inquiry form my credit report as you are a re-seller of credit reports and my information was shared without my consent, to YOU the re-seller. I do not need to reach out to XXXX XXXX as what has occurred by my information being shared to a third party is against the law This is my second communication with you and I Would have to make this a case for noncompliance if you do not remove the hard inquiry from my report. 

This was Certified Credit reporting 's previous response : Certified Credit Reporting is a re-seller of credit reports primarily for mortgage processing, tenant screening and employment screening purposes. This inquiry was accessed on XX/XX/XXXX, on behalf of : XXXX XXXX located at XXXX XXXX XXXX, XXXX, XXXX XXXX. Their phone number is XXXX. These inquires remain on a consumers credit report for a period of 24 months ( 2 years ). We have not had any communication with you prior, either written or oral, until the receipt of this complaint. Feel free to contact the original end user listed above with any questions you may have regarding this inquiry. After speaking to them if you still feel this was accessed without your knowledge, contact us at XXXX or phone us at XXXX or write us at XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX, and we'll be happy to open an investigation. Thank you and have a great day!
Product: Debt collection

This account was originally with SMART SALES and LEASE in XXXX, the cost of the items doubled, not the amount agreed to in store, I told them to come pickup the items that I was not going to be paying more than agreed. They never picked up the items & called me a year later to which I told them I would not be paying anything more than what I originally agreed to, I was told it didnt matter if I only paid what the original price was, I would still owe double. They let me know at that point I should have told them to come pickup the items, which I had done the last year prior but they never came. The representative said the time had passed for them to be able to take possession of the items. The last contact I had with them was the spring of XXXX. 
I got married and my name changed in XX/XX/XXXX. I had a change of residence in XXXX. The collection was removed from my account on XX/XX/XXXX - XX/XX/XXXX & NO LONGER on my credit report. A Few months later, I had gotten notification that EXPRESS COLLECTIONS was added to my credit report under collections with an account balance tripled from the original account. I have not had any contact with them, except to request a debt validation letter, which they grossly failed to provide to me. The word document drafted by XXXX Collections with random dollar amounts none which are listed in a contract, a XXXX letter with inaccurate and missing personal information, neither showing what alleged items were purchased or a description of them is NOT a contract or agreement. Under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. Not only is it violating my rights because I did not consent to EXPRESS COLLECTIONS obtaining my information but I have not had contact with the original creditor for OVER XXXX YEARS nor do they have my correct information nor do they have the right to collect because it was removed from my credit report.
Product: Debt collection

Ive come across several accounts on my credit report that were added without my approval. I request these fraudulent entries be promptly removed and blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$7500.00} ; ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$2600.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Late last night I began receiving emails stating that my application for a personal loan through several third party websites, including XXXX, XXXX, and XXXX had been denied. I have not applied for any loans recently. I was able to trace one of these emails back to the original creditor, XXXX XXXX XXXX. This bank seems to specialize in providing loans for trucking companies, which I certainly would not be applying for.
Product: Student loan

I took out a Genesis loan to cover my last semester of my XXXX degree with XXXX University. I do not currently have a job and keep telling Genesis that but they continue to call me daily, badgering me to pay my loan. It is very annoying.
Product: Student loan

Hello, I hope all is well. I am reaching out because I paid my student loans off in the amount of {$27000.00} on XX/XX/XXXX to Nelnet which bought my balance to {$0.00}. 

Recently there was an announcement that the government was going to do a one-time student loan forgiveness and since my account started with the letter XXXX Nelnet stated that I would qualify. In order to do so, I called Nelnet on XX/XX/XXXX to refund my loans so I then can apply for forgiveness. 

It was approved by Nelnet I believe a few days after however, it was approved by FSA on XXXX XXXX. To my wife and I surprise, both Nelnet and the FSA show that my balance is back on there however my wife called on XX/XX/XXXX to see what the status of the refund is. 

We were told by Nelnet it is still processing. We asked how long would it take to get the refund and they didn't give an answer. They just said it would come by mail. 

I am writing a complaint because Nelnet has not provided me a timeline on when the checks will come. I am also writing this complaint because the Department of Education, nor the Department of Treasury has provided Nelnet a timeline of when the checks will come. 

If someone could help me get those checks as soon as possible or provide a status of when the checks will come would be great because the student loans start back up in XXXX and being as though I only agreed to a refund because I qualified for the student loan forgiveness, which is not happening indefinitely due to the court order I would like to use those checks to pay Nelnet as soon as they clear so that the balance goes back to {$0.00}. This would tie me up financially if I don't have the checks soon because I will then have to pay with INTEREST starting in XXXX. 

Things that I would like to accomplish during this complaint : Department of Education : Confirm that they sent the approval to the Department of Treasury so they can send me my refund. If they did not do this, I would like them to send the approval to the Department of Treasury as soon as possible. 

Department of Treasury : If the Department of Education sent the approval over to them, I would like to know what date they will be sending the checks and if they completed already what date did they send the checks so I can look out for them. If they have not gotten approval from the Department of Education I would like someone to call them to get the status of the approval and work with them to get it completed. 

Nelnet : I would like for them to provide an email stating that they see the check information on their end and to keep me up to date on what is going on. Saying that everything is processing is not helpful and this is a large sum of money that I can't afford to now be paying interest on. I would also like for them to work with the Department of Education and the Department of Treasury to make sure this issue is resolved as soon as possible including initiating the conversation and process if both departments ( Education and Treasury ) are not doing it. 

Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, COMENITYCAPITAL/XXXX add a hard inquiry on my credit report per XXXX. On XXXX. XXXX, XXXX, COMENITYCAPITAL/XXXX  add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, COMENITYCAPITAL/XXXX  add a hard inquiry on my credit report perXX/XX/XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.