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

XXXX XXXX XXXX, Hope all is well this is XXXX XXXX I'm writing this looking for help. Last year in XXXX  I received a late payment on an account that was paid within the payment window by the company Upstart. I was advised on the phone that it was a clerical error and would be adjusted. I reached out at a later date and they advised me they can't change it. Which again I paid within the window and have been in good standings with them. When I look at my credit report I see it shows late on two reports and not late on the other.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unrecognized inquiries on my credit report which i didnt authorized. These inquiries is showing as hard inquiries on my credut report on XXXX only. 
An inquiry was made to best buy through Citi bank on XX/XX/2021 and XXXX XXXX XXXX XXXX XXXX XX/XX/2021. 

I disputed these inquiries with XXXX to get them off my credit report. The result that came from their investigation was for me to contact the company who reported those inquiries. 
I have contacted both these companies, they both have nothing on file that i was trying to request credit or opening an account.
Product: Credit card or prepaid card

I filed a dispute claim for unauthorized transaction on XX/XX/XXXX around XXXX for XXXX and a unauthorized transfer from my account to another party account on XX/XX/XXXX for {$250.00} dollars. The dispute claim sent me a message on XX/XX/XXXX saying they didnt find no errors made. So I had sent them over some documentation saying I was a victim of identity theft. So they sent over a message saying on XX/XX/XXXX there wasnt no declines for insufficient funds made, so I keep stating to them that the person who stole my identity was someone they was very close to me friend/ family member who knew I just received my tax refund. So of course someone close they knew how much to take off. And they also saying my pin wasnt changed prior after the transaction was made and I also explained to them that I didnt realize my funds was stolen until the next day when i realize someone around me had stolen my wallet. So thats when I called to check my balance and cancelled my card. Than comes XX/XX/XXXX when the transfer was made the same close person to me knew I issued a new card so they knew my account number and everything because my wallet had my social security number and everything inside so they made a transfer from out my account into my cousin NetSpend card because they stole his card as well, a mastermind when it came to taking my money. Basically XXXX XXXX NetSpend Prepaid XXXX dispute claim is calling me a liar and saying that I was the one who spent my funds and that Im not a victim of identity theft and its not fair to me nor my kids that I couldnt handle all my business because I came up short.
Product: Credit reporting, credit repair services, or other personal consumer reports

Each month I receive my FICO score with my XXXX card statement. Besides just providing my score, it provides additional insight into the five components used in calculating the score. Of the five components, Revolving Credit Utilization ( RCU ) accounts for 30 %, the 2nd most important factor, and is the basis of this complaint. 

For months now, my RCU has been incorrectly showing extremely high. I contacted XXXX to inquire, but was advised they only report information provided them by TransUnion ( TU ). They further advised I contact TU directly, and provided me a telephone number ( XXXX ). 

When I tried to submit a complaint on the TU website, I was not able to do so as their complaint process involves selecting a creditor from one 's credit report to complain against. This is not the case here ... it's not a creditor problem, it's a repository problem. I was unable to find a way on their website to complain against THEM ( TU ). Additionally, attempts to contact them by telephone were unsuccessful. No matter what options I tried, I was either provided information via automated recording, or referred to their website - no option to speak with a human. 

As shown on the first attachment, as of my XX/XX/XXXX XXXX statement, they ( TU ) are reporting my total RCU to be 80 % ( Total RCU debt of {$5300.00} ). Based on the 2nd attachment ( " Chart '' ), I believe this reported RCU to be incorrect. 

The chart shows each revolving credit account I have, the credit limit and balance for each since XX/XX/XXXX, and my RCU. As you can see, my RCU was at it's highest in XXXX ( XXXX Shopping ), and is now down to only 4 % ... NOT 80 % being reported by TU. Even allowing for a 30, 60, or 90 day " lag time '' in reporting, the 80 % they're reporting is not even " in the ballpark, '' nor is the over $ XXXX in revolving debt, almost 10x my highest amount ( mine ranged from a high of {$560.00} in XXXX, down to the current low of {$130.00} ). 

The remaining four attachments are for documentation only. Specifically, the first page of each statement is included to document the figures on my chart ( 1st attachment ). These first pages are " packaged '' together into four pdf 's, one for each month XXXX thru XX/XX/2021.
Product: Mortgage

While attempting to discuss refinancing XXXX Load advised that there was an " Open Dispute '' I advised that one had been open but resolved. I was informed that OCWEN would need to close the dispute in order for me to discuss the issue further. I have unsuccessfully reached out to OCWEN XXXX and to date the dispute has not been closed nor has anyone investigated the matter. I am being denied the opportunity to lower my mortgage due to OCWEN 'S incompetence and failure to resolve this issue. HELP!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Found the issue with Experian when I was trying to get preapproved for a mortgage on XX/XX/2021. After my loan broker checked my credit he informed me of some debts. Debts I was unaware that existed. I began to assume my identity may have been stolen and started to take the appropriate steps to stop any further damage to my credit. I started with checking my credit wise account I have threw my XXXX credit card. I began to see pages upon pages of inquiries dating back to XX/XX/2021 and delinquent accounts mainly with big name companies starting from the end of XX/XX/2021 to current day. I called credit wise. When I spoke to an agent they had expressed that they only pull reports from XXXX XXXX and XXXX  and that all they pull from Experian is alerts. all of the inquiries and delinquent accounts were alerts from Experian to credit wise. I then began to call each credit bureau. When I called XXXX  the agent told me to sign up with XXXX. while on XXXX I could pull my credit report for XXXX XXXX and XXXX  only. Neither XXXX XXXX  or XXXX  were showing any of the debts credit wise was showing. I then was told to call Experian by XXXX. When I spoke with an agent at Experian they tried to pull my credit report. Experian agent was unable to pull my report. He stated he tried 3-4 times and nothing would pop up. He expressed he would escalate the issue and told me to call back in 3-5 days. I began to call all the credit cards that were showing on my credit wise. I spoke with XXXX, XXXX, XXXX, XXXX, & XXXX. All companies expressed I did not have an account associated with my social, name, or address and no debts were owed. XXXX XXXX  that's in charge of XXXX, XXXX, and XXXX agent expressed that it seems Experian is reporting false information. Loan broker looked into my full credit report and expressed XXXX XXXX and XXXX  showed my credit score were both 200 points higher vs Experian and the issue seems to be with Experian and also stated that the debts on my Experian were not on the two other credit report. He also stated that if the debts existed that they would be across all three bureaus. after 3-5 days I called Experian back was told due to my report not being able to be pulled up that the agent could not inform me if the issue was being resolved nor if there was an issue because no report means I don't exists in there system. I was I also unable to speak to the department handling said issue because the agent stated they dont talk to consumers. There is no possible way I do not have an account with Experian. I also do not understand how my loan broker was able to pull all three credit bureaus reports but nor I or Experian can pull my Experian credit report. I spoke with all three credit bureaus and credit card companies on XX/XX/2021 and spoke with Experian again on XX/XX/2021 and XX/XX/2021. I am still being told that Experian cant pull my report. Issue going unresolved and needs to be dealt with.
Product: Debt collection

I NEVER EVER APPLIED FOR THIS ACCT IN MY XXXX LIFE!!!!!
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX Account # XXXX, a third-party debt collector, for violating the Fair Debt Collection Practices Act ( FDCPA ) and to seek monetary relief for the distress and financial harm caused by their actions. 

Complaint Details : Debt Collector : XXXX XXXX XXXX Account # XXXX Nature of Complaint : Lack of Written Notification : XXXX XXXX XXXX Account # XXXX did not notify me in writing about the alleged debt before placing it on my credit report. This is a direct violation of the FDCPA, which requires debt collectors to provide written notice of the debt and an opportunity to dispute it before taking adverse action. 

No Contract or Business Relationship : I have never engaged in any business with XXXX XXXX XXXX Account # XXXX and have no contractual agreement with them. Their claim is unfounded and unauthorized. 

Inaccurate Reporting : The account information reported by XXXX XXXX XXXX Account # XXXX is inaccurate and incomplete. The balance listed on my credit report does not match any previous obligations, and the presence of " payment terms of 1 month '' is misleading and incorrect for a collection account. 

Unauthorized Credit Report Entry : XXXX XXXX XXXX Account # XXXX added this account to my credit report without my consent, violating my right to privacy. They have failed to provide any evidence of my consent or their right to report this debt. 

Impact : The actions of XXXX XXXX XXXX Account # XXXX have significantly harmed my credit score, caused undue stress, and potentially affected my ability to obtain credit, housing, and employment. Their failure to comply with the FDCPA has also caused emotional distress and financial instability.
Product: Mortgage

Filed for modification and a year later Shell point mortgage gave a tripled amout modification of seven years art which I could not afford. They did not offer mediation or forbearance
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been disputed. The creditors are reporting an account as on status. The reporting account status is closed and needs to be deleted immediately. 

The creditors are giving an automatic verified and not doing an proper investigation
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and permanent deletion of fraudulent accounts from my credit file pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach, I assert that the following accounts on my credit report are fraudulent and were not authorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

RECENTLY I NOTICED A COLLECTION AGENCY BY THE NAME XXXX XXXX  XXXX ON MY CREDIT REPORT FOR A COLLECTION OF AN AUTO LOAN THAT DOESNT BELONG TO ME ... .I FILED A ID THEFT REPORT AND WOULD LIKE THIS REMOVED FROM MY CREDIT PROFILE
Product: Credit reporting or other personal consumer reports

Factor Trust has violated my consumer rights under the Fair Credit Reporting Act ( FCRA ) by reporting outdated, inaccurate, and unverifiable information on my credit report. The information includes data that does not belong to me, is based on misinformation, or is no longer relevant or permissible under federal consumer laws. This failure to ensure accuracy, as required by the FCRA, has caused harm to my credit profile and financial standing. I am requesting that all inaccurate and outdated information I have identified be removed from my credit report immediately.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of Accountability And transparency Is unacceptable And raises concern about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT IS AN INFRINGEMENT UPON MY RIGHT TO PRIVACY AND HAD NO PERMISSIBLE PURPOSE TO FURNISH A CONSUMER REPORT WITHOUT THE WRITTEN INSTRUCTIONS OF THE ALLEGED CONSUMER PER 15 USC 1681b ( a ) ( 2 ). THIS IS ALLEGED IDENTITY THEFT PER 15 USC 1681a ( q ) ( 3 ) AND A VIOLATION OF THE FAIR CREDIT REPORTING ACT. I HAVE A RIGHT TO PRIVACY PER 15 USC 1681 ( a ) ( 4 ) AND MY PRIVACY HAS BEEN BREACHED.
Product: Debt collection

The date of the debt for first delinquency is not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a Grow Credit account in 2022 after seeing an advertisement on the internet saying how this app could boost your credit. In rebuilding my credit from filing bankruptcy I always like to try little things that will continue to give me a boost. This service has absolutelty been the worst thing in my life. After reviewing my credit report in preperation for trying to buy a home I noticed I now have 3 negative reports on my credit and the account is still open after asking for it to be closed and for my reporting to be corrected. This app uses the XXXX system to connect your bank acccount and it consistently disconnects. I recall having to reconnect my bank account roughly every month although it was on autopay. I also was told that if your balance is low they will notifiy you a couple days before the payment is to come out. First of all I am specific of the account I connect to apps and I move money around all the time. There was more than enough to cover the payment for this account and if it wasn't it would pull from the account connected for overdraft. As a banking professional thats why they invented OVERDRAFT PROTECTION! These late payments are effecting me in a major way and I am requesting they be removed from each credit bureau using the XXXX system for accuracte reporting which will push out to all the credit bureaus and by pass the normal 30 day waiting periodt if done in another manner outside of this.
Product: Student loan

I recently paid off one of ten accounts in the Nelnet portal on XXXX XXXX. The amount the account owed said {$840.00}. I processed the payment the same day and received an email confirmation that the payment went through. I log in to see an updated amount of {$160.00}, that is now accruing interest. I call customer service and after 40 minutes of being on and off hold, I have to now submit pictures and screenshots of when the account reflected the {$840.00} balance. I was also told that the account was actually over XXXX XXXX dollars, but that is not what their website reflected at the time I processed the payment to completely pay off that specific loan. Where did this mysterious ~ {$200.00} come from???? 
I uploaded my partial picture from XXXX I had of it ; I wish I would've taken a better picture in hindsight, I did not think I would need it as proof for something of this sort, as well as a screenshot from XXXX XXXX  showing that the account was at {$840.00}. I also included the email confirmation I received for the {$840.00} payment I made on XXXX. 
This is absolutely ridiculous.
Product: Credit reporting or other personal consumer reports

Approximately 30 days ago, I initiated a dispute regarding this account with the credit bureaus, and it was subsequently verified. This verification process has significantly impacted me, and I am now requesting direct from you, as the reporting entity, documents or evidence substantiating the accuracy of this charge-off report. 
I am specifically requesting documentation beyond a simple billing statement evidence that conclusively proves the account 's status and my association with said charge-off. 

XXXX Account XXXX : XXXX Reason : Account is showing a balance with a charge off as it's closed. please delete Instruction : Please Delete Immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to the credit bureau asking to have student loan that was paid removed from my credit report this has not been or corrected and I don't believe it was investigated because I called the Board of Education and the Debtor myself only to be told that I do not have an account in default with them. I am also in school and have checked the status of those loans and they are in deferment I have sent several request only to get the same response please help
Product: Debt collection

Received a letter from Afni, Inc. attempting to collect an alleged outstanding debt owed to XXXX XXXX XXXX when I have never had an account with XXXX XXXX XXXX for any product or service.
Product: Credit reporting

Hello, So a couple days ago I had gone in to apply for an apartment and received a notice back saying I could not be accepted because I have a consumer frozen file. I have gone into the XXXX credit bureau and spoke with all three credit bureaus on the phone and was told because I have absolutely no credit there is no files that come up under my name. I have received the document the apartment is seeing and it does show that I have a consumer freeze. Please help me as soon as possible so I can get into my new apartment. If there is a freeze I would like it removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified. that i have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not late with XXXX XXXX and In accordance with the Fair Credit Reporting Act this creditor XXXX XXXX has Violated my rights. 15 USC 1681 Section 602 states I have the RIGHT TO PRIVACY. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency CAN NOT furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as Late for any purpose. XXXX are Violating my rights.
Product: Credit card

Comenity Bank who is financing my XXXX XXXX Credit card has been charging me late fees from paying the late fee late. 
I have no more balance from the purchase that I made worth XXXX, my balance right now is XXXX. All just late fees. 

XXXX XXXX, XXXX is my due date for the credit card, I paid the credit card XXXX XXXX so I was charged a late fee of XXXX I emailed and got the fee reversed because I was a new customer. I had a balance of XXXX from that XXXX original purchase but because I had thought I had set up my account for auto pay I was late again and my payment went thru on XXXX XXXX, XXXX. 

So i was charged another late fee of XXXX again which now they were not able to reversed. So I paid for it on XXXX XXXX. That was my only balance because I never used my card after that. But I did not know that they have added a minimum charge of XXXX on XXXX/XXXX/XXXX. So the next month I did not even check the account cause I was sure I had XXXX balance, I was surprise to see my bill they charged me another XXXX late fee of the XXXX ( finance charge ) balance that I did not know about. Added another XXXX on XXXX/XXXX/XXXX another late fee XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX minimum charge XXXX, XXXX / XXXX late fee XXXX minimum charge XXXX/XXXX/XXXX, XXXX/XXXX/XXXX late fee XXXX, XXXX/XXXX/XXXX finance charge XXXX, XXXX/XXXX/XXXX late fee XXXX, XXXX/XXXX/XXXX finance charge XXXX. 

These are all just from the late fees, my purchases were all paid.
Product: Money transfer, virtual currency, or money service

Various Zelle transfers to my daughters XXXX  XXXX  checking account in XXXX. 
Money was allegedly on hold for suspected fraud but never released back or made available to the recipient. 
From my memory all amounted to approx {$19000.00}. 
I will request relevant bank statements for comparison funds send vs funds received.
Product: Student loan

I have paid what was told to me as an outstanding balance unpaid in addition to make payments arrangements which are currently being taken out of my bank account only to have Navient continue to harass me and my references. I am also still in school and did n't understand why I was already having to pay them back. I did n't get an explanation on as to why, I just kept getting threatening letters and non stop phone calls. It is my understanding that if I 'm still in school I can have my payments deferred, I found that out by looking into my rights. I still have yet to have someone explain it to me and continue to get threating letters saying if I default on my loans they will take all my tax return and I owe the full amount. I would like someone to assist me who can make some sense of this for me. I feel I get no where when I speak to a Navient representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not a duplicate : this is my 5th complaint on Experian regarding the reporting of XXXX preferred account. For years, I have written to XXXX using the PO. Box they list on my credit report - the mail has always been returned to sender. I tried for years calling the 877 number they list on my credit report and all I got was a non working tone. I then disputed with Experian the inaccuracy of non working contact info for the creditor. Every time I disputed, Experian did not fix the error but instead dismissed my request indicating the account had been updated and verified. To this day, the account still shows non working contact information. I finally called Experian and spoke with a lady named XXXX in the Internal Affairs unit - she stated it was not Experians job to update the contact information for the creditor and suggested I XXXX a working phone and addressXXXX XXXX  still has yet to provide all documentation in the form of an itemized statement, all correspondence and documentation for this account. Only, how can they when they send all my requests as return to sender. Experian has not done its FCRA requirement in investigating the issue. Instead, they told me to go out on a witch hunt to track down the creditor. According to Experian ( attached ), if I dont agree with the result of dispute, I can contact the creditor directly using the contact information listed on the report. I pointed out that the contact information for the creditor hasnt worked in years.