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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$55.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Mortgage

Residential Credit Solutions in Texas has been trying to foreclose on our mortgage. They have dragged this case through court for 5+ years and have refused us a trial modification. They also refuse to speak to me or my husband regarding our loan or options. They drag it out and drag it out and then tell us that our loan is delinquent for an excessive amount of months which has been out of our control. They also have lost the original note. We have a court date tomorrow and are going to ask for more time to appeal their decision, but do n't know if the judge will allow us more time. 

Also this is a VA loan and the VA has never tried to help us or counsel us!
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit limit increase on one of my credit cards however, I was not approved because apparently there is an account reflecting badly on my credit. I had no idea what account they were referring to until I looked over my credit report and saw one account from a company called XXXX. This account does not belong to me nor am I affiliated to that company in any way. I never opened any account with that company and I did not allow anyone to open an account with them in my name. I did not benefit anything as a result of this account that was opened in my name without my permission such as money, goods, services or anything else and I never made any payments towards this debt. I don't know who is responsible for this account but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX a consumer in fact a natural person was reviewing my consumer report on XX/XX/2021. I noticed that XXXX  and other consumer reporting agencies are participating in fraudulent credit reporting activities by reporting inaccurate and unverified information to my consumer report without my XXXX XXXX written consent which is a violation of 15 usc 1681b. Also XXXX  and other consumer reporting agencies have breached my individual privacy which is a violation of 15 usc 1681a ( 4 ).
Product: Credit reporting or other personal consumer reports

I have noticed multiple billing errors under 15 U.S. Code 1666 ( b ) related to incorrect late payment marks and failure to properly reflect payments and credits on my credit report. Despite my prior communication requesting proof from the creditor that these late marks are legally verified and investigated, I have not received any response. Specifically, the creditor has failed to provide solid proof that payments were not made on time, and I believe there are errors in how my payments were recorded. The creditor did not notify me 21 days before the due date with an accurate statement, which would exempt me from any late payments under the law. As such, I am requesting that the items be updated to 'Paid as Agreed '.
Product: Credit reporting, credit repair services, or other personal consumer reports

this complaint is on XXXX Experian and XXXX in regards to reporting inaccurate information AFTER they have Verified as Accurate account XXXX XXXX XXXX. 

XXXX results File number XXXX Date Issued XX/XX/XXXX Verified as Accurate Account Type OPEN ( this item should be closed because XXXX hasnt provided me with a response yet and the debt has not been proven under my name legally ) having my name and address is not validation. I want the signed documents proving I agree to pay them what I claim I owe ) Balance and Past Due {$8400.00} but the Original Balance is {$8400.00} 7 Year fall off date XX/XX/XXXX. 

Experian results Report Number XXXX Date Generated XX/XX/XXXX Verified as Accurate and Updated -NO RESULTS were provided to me to view. I had to get a new report separately. If this item was Verified and Updated like experian has generated then I should be able to view a updated report reflecting the updates. 
I got a new report XX/XX/XXXX and these are differences. 
-Activity in the XXXX XXXX on XX/XX/XXXX proving that this account is still open when it should be closed and ceased from collection and rerooting. 
A payment history ( XXXX never extended me credit so we do not have a payment history ) Balance and Past Due {$8400.00} but the Original Balance is {$8400.00} On Record Until XX/XX/XXXX. 

I got a new report from XXXX on XX/XX/XXXX and the following errors show- this account is CLOSED. 
- Date of 1st deliqneucny XX/XX/XXXX causing the 7 year reporting time to be set to XX/XX/XXXX. 
- a existing payment history with XXXX XXXX XXXX closed date ( but claim this account is closed ) -Past Due {$8400.00} ( I never had a contract with them so a past due does not exist. 

I have NO CONTRACT with this entity. This entity is reporting inaccurate different information but continue to verify information with the consumer reporting agencies. I have already filed a complaint on XXXX XXXX XXXX and awaiting for correspondence. XXXX XXXX XXXX is fully aware of the information being reported because I sent them notice of the errors and the fact that they are reporting a account and have not provided validation, there collection activities is FRAUD. I sent this letter on XX/XX/XXXX tracking number XXXX at there disputing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX and XXXX has recieved my letter on XX/XX/XXXX.
Product: Debt collection

I sent out a Debt Validation Letter to XXXX XXXX XXXX  and their Collection Agency in the Name of Credence to provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the creditor and asked for legal documentation according to the Fair Debt Collection Practices Act ( FDCPA ). If the collector completely fails to respond to the validation letter, again they have 30 days to do so, then legally they must cease collection efforts, and remove negative items placed by them on your credit report ( Its been over 4 months and none of all the Documents I asked, according to my rights for have been provided ). 

I have not used the service from XXXX XXXX XXXX from the first day XXXX have set up with them. The way I got set up with their phone service was through representative with XXXX XXXX XXXX in the name of XXXX XXXX that stop me at a XXXX. XXXX gym located in XXXX Georgia. The male representative in the name asked me who was my current cellphone provider, I replied XXXX, who I have been with for 5 years.. He then asks me how many lines I had with XXXX ; I told him, XXXX. XXXX XXXX then said, XXXX XXXX XXXX has a promotion that is {$250.00} given to me for each line that I get switch over From XXXX to XXXX XXXX XXXX. I let him know that was a good deal and that Im interested but that I was still paying off a phone with XXXX with a line associated with it and if I did switch over how much would be my bill. He informs that that wouldnt be problem because with the {$750.00} promotion credit in total that I would be receiving from all three lines Im switching over to them, can go towards paying the phone off with XXXX. We later went through my options that he presented, and I chose the $ XXXX {$90.00} bill option for all three lines. We got all the set up process done and fast forward a month or so later after switching my lines I was charged way more then I was promise, never received all three {$250.00} promotion offer for all three lines I switch over and never was able to use my new XXXX XXXX XXXX SIM CARD because the phone that I had was still being payed off through XXXX ( after I repeatedly told him this situation that he told me to not worry about ). 

I have spoken to over XXXX customer service personnels in the time span of XXXX XXXX months, XX/XX/XXXX, from each department at XXXX XXXX XXXX and no one helped, some associates even hung up on me which really upset me because that was very poor customer service. 

That last personnel from XXXX XXXX XXXX customer service was very understanding and told me she was going to save on file and send my complaints to corporate or and higher up department to resolve my dilemma and to wait for a phone call. It has been months now and Im still being charge and my credit has went down almost XXXX points all because of a phone service? a service that i did not even received have yet to be contacted to resolve anything.
Product: Credit reporting or other personal consumer reports

EXPERIAN and TransUnion displaying incorrec information on my credit report
Product: Vehicle loan or lease

I disputed a late payment on my credit report from XX/XX/XXXX to just make sure the information was being reported accurately. Screen shot attached. Well when they replied and updated my credit report, it shows I was lateXX/XX/XXXX on XXXX and XXXX and then late XX/XX/XXXX on XXXX. But not only that, they updated my credit report with a new late payment on XX/XX/XXXX saying I was 30 days late when that is not true. I feel that they are penalizing me for disputing a late payment when that is my right per the Fair Credit Reporting Act. I attached the new late payments that they only put on after I disputed.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, certain accounts and inquiries have been fraudulently opened or made in my name. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following accounts and inquiries from my credit report : Accounts to be blocked and deleted : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have been unable to access my Equifax online portal since 2022 due to an " Error Code : NH. '' To resolve this, Equifax requested that I send in verification documents, including my ID and Social Security card. I have complied with this request and have sent in the required documents 2-3 times as instructed.

Over the past month, I have called Equifax five times to check the status of my request. Each time, I was told that they had not received my documents. However, I mailed my documents via USPS with a tracking number, which confirms that they were received, signed for, and picked up from the designated po box .

Despite my repeated efforts, Equifax has failed to acknowledge receipt of my documents, and I remain unable to access my online portal. This ongoing issue is preventing me from monitoring my credit and managing my financial information. I am seeking immediate resolution and a formal acknowledgment from Equifax regarding my submitted documents.
Product: Debt collection

Conserve is reporting an invalid account to my credit file. I 've never heard of this company until I received a credit alert from a credit monitoring service. I have never received any mail or phone call from this company. They are falsely accusing me of owing them {$650.00} for XXXX XXXX College. I have never been registered with XXXX XXXX College. In fact, the last time I was registered at any College was in 1988. Furthermore, I have no contractual obligations to Conserve. This is clearly a mistake on the part of Conserve. Because of their mistake, my credit score, as well as my life, has been impacted negatively. This needs to be resolved immediately.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of 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 infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Mortgage

Our mortage was thru, XXXX, green tree took over the management, and continues to harass us, and threaten us, with civil action, consistent with their recent court loss for these same practices. They say we owe them money from non payment which is false. They have tried to modify our loan payment, and until recently called, daily, threatening us. 

We are current on our pay, mets. And have never missed a payment with them. What did happen is this. In/on XXXX 2014 we made our payment to XXXX. A day or two later we received a demand letter telling us, that green tree was now our mortage handling company. I forwarded a letter explaining that I had already made my payment to XXXX, I recently went to my credit union and retrieved the paper work, proving payment to XXXX, and forwarded that paper work to green tree. After providing proof of payment, we continue to receive demands for late payments, and they keep charging us late fees, for our payments, which were made on time, every time. 

I do not appreciate gree trees aggressive tactics, and am aware of their recent court loss of XXXX XXXX for this very same tactics. I have XXXX intentions of paying more then my mortage payment, or paying alledged late fees, for payments made on time, monthly. 

XXXX XXXX
Product: Student loan

I took private student loans from Navient from XXXX. I was not working and did not have good credit at the time so my mother co-signed the loans for me. Once I graduated, I put forth best efforts to repay the loan. However, I had severe financial struggles and needed multiple forbearances. I lost my mother in XXXX and was told that I was no longer eligible for forbearances because I maxed out. When I explained to them that my mother died and I was experiencing health issues, they told me that I had to make a payment or I'd default, I started paying them with credit cards to prevent default. In XXXX, I applied for and was granted XXXX  XXXX bankruptcy but my attorney refused to argue for student loan forgiveness in the separate hearing. I could not afford another attorney to handle the special hearing for student loans. Navient did not acknowledge my mother 's death until XXXX when I received a letter from them saying they recently learned of her death although I'd been telling them for years. My struggles with Navient lasted from XXXX  through XXXX when I could no longer afford my payments and refused to pay interest only. My total loan balances ballooned from the initial {$14000.00} to over {$41000.00}. I spoke to multiple representatives during this time about their predatory lending practices and offered to pay the amount I borrowed if they would remove all of the years of interest they had tacked on. I argued that even when I made payments, my balances continued to increase. They offered to settle for 60 % of the balance, to be paid in three installments. The amount was unfair and I explained that I did not have that type of money to pay them. I stopped taking their calls and Navient then started calling people associated with my and disclosing the matter to them, violating my privacy. They left a detailed voicemail on my sister 's phone. They called my husband and disclosed the matter to him, and I was not married when these loans were taken. He was not aware of the matter. The also left messages on my son 's phone. They started reaching out to past employers as well. During this time, they threatened me with legal action. Finally, when trying to embarrass me did not work, and threatening legal action did not work, they sold me loan to a debt collector. I feel I have made enough payments over the years that my loan should have been considered settled or even written off. Not sent to a collection agency to further harm my credit, after multiple offers from myself to try to resolve the matter. Their practices are illegal and unjust. 

Disbursements - {$14000.00} XX/XX/XXXXXXXX  - {$2000.00} XX/XX/XXXXXXXX  - {$5500.00} - withdrew XX/XX/XXXX - {$2000.00}- withdrew XX/XX/XXXX - {$2000.00} XX/XX/XXXX - $ XXXX not enrolled
Product: Credit card or prepaid card

I cancelled a XXXX  annual membership within the first 30 days of trial membership. Since XX/XX/2022 Ive been disputing the monthly fee. In addition, due to frustration and unresponsive customer service I told them to cancel the credit card. That didnt happen and every month Im forced to follow up with an unanswered dispute.
Product: Credit card

Discover issued a card to someone else in my name, they are responsible for allowing the identity theft by not confirming the person was me. I have spent many hours fixing the problem they are responsible for.
Product: Credit reporting or other personal consumer reports

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX Balanced {$150.00XXXX XXXX XXXX XXXX Balanced {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to TransUnion on XXXX about my consumer credit report. I requested an updated version of my consumer credit report ( Violation # 1 ) I still haven't received till this day. I asked them who is XXXX XXXX? When was this name added to my consumer credit report? Who authorized the name change? ( Violation # 2 ) My questions went unanswered. I asked them why don't I have a credit score? My question still went unanswered. 
On XXXX, I requested a {$500.00} loan from my XXXX XXXX XXXX XXXX XXXX. I was denied. I requested a {$250.00} loan from my bank and I was denied again. I received XXXX statements of credit denial due to the fact that my bank based their decisions from TransUnion Credit Reporting Agency. 
On XXXX I applied for XXXX XXXX XXXX and received a denial letter based on the inaccurate TransUnion consumer credit report. I have more denial letters from my past. 
On XXXX, I finally received a letter from TransUnion dated XXXX file # XXXX in reference to my letter dated XXXX and all it contained was RE : unable to locate credit report dispute request. ( Violation # 3 ) It took them more than 30 days to investigate and respond on my account. They also completely ignored all of my request.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Ally financial has promised since covi19 to work with me since i am struggling making payments on loan # XXXX and loan # XXXX their # XXXX they got covi relief help from President to help customers who are struggling like me, they promise to put missed payments at end of my loans. they havent send me a new statement with balance. They did try to REPOSSED BOTH trucks, as of XX/XX/2021 they call me to harass me and I also filed claim w/state attorney general cause she said lenders cant go after customers who are not paying due to covi 19, they are by law supposed to work with me on this issue. Ally has not do that. XXXX XXXX at XXXX XXXX XXXX XXXX fl XXXX email XXXX XXXX
Product: Debt collection

I am writing to seek help and assistance with a pressing matter regarding my account with XXXX. Unfortunately, the product they provided did not meet my satisfaction, and I was in the process of obtaining a refund under their Lifetime Guarantee. 
Regrettably, XXXX filed for bankruptcy, which prevented me from receiving my refund. As a result, I have been sent to collections for non-payment, despite my efforts to resolve the issue. I am now facing a collection mark on my credit report, which is causing me significant distress. 
The collection agency responsible for this matter is TekCollect, with the following contact information : Address : XXXX XXXX XXXX, XXXX, OH XXXX Website : ( www.tekcollect.com ) Phone : XXXX My account number with TekCollect is XXXX. I kindly request your assistance in resolving this matter and removing the collection mark from my credit report. I believe I have been unfairly targeted for collection, given the circumstances surrounding XXXXXXXX XXXX  bankruptcy and my initial efforts to obtain a refund. 
I would greatly appreciate any guidance or support you can provide in resolving this issue. Please let me know if there are any additional steps I need to take or documentation I need to provide.
Product: Credit reporting or other personal consumer reports

After reviewing my consumers report, i noticed that there were a few accounts listed that do not belong to me. Here are the accounts listed below : XXXX XXXX XXXX Acct # : XXXX Bal : {$20000.00} Opened : XX/XX/XXXX XXXX XXXX XXXX- Acct # : XXXX Bal : {$460.00} Opened : XX/XX/XXXX XXXX XXXX- Acct # : Acct # : XXXX Bal : {$3600.00} Opened : XX/XX/XXXX XXXX XXXX XXXX- Acct # : XXXX Bal : {$2200.00} Opened : XXXX XXXX XXXX XXXX- Acct # : XXXX Bal : {$130.00} Opened : XXXX
Product: Checking or savings account

XXXX My name is XXXX XXXX XXXX XXXX and I am currently missing {$170.00} from my account balance. 

Citibank stated on XXXX that there was not any HOLD from any company on my account. 

In the transaction history : On XXXX A deposit of {$110.00} is entered and the account is left that day at an available balance of XXXX. 

On XXXX I looked into the account and find a balance of {$780.00}. 

I looked at my transactions and did not notice a HOLD on the account or a note stating the reason, that my account is missing {$170.00} from my account. 

Today XXXX, I contacted Citibank and spoke to your representative XXXX ID # XXXX and she confirmed that there is NOT a HOLD but could not locate the missing {$170.00}. 

I explained to XXXX XXXX the above information and she stated 'we do this for fun to you! ' I do not find this amusing or appealing of a company like Citibank to treat consumers as if their accounts charges were not enough to support the editing and updating of transactions history. 

Once again, please note that the account is missing {$170.00} and if there is a HOLD please reflect on account. 

The current available balance shows as {$830.00}. XXXX It should have been {$1000.00}, as available balance. 

Please update the available and find the missing transaction that affected my account available balance. 

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

I have been battling these unverified and inaccurate accounts for a while now and this haven't been proven whatsoever. The information across the reporting bureaus is different from each other implying that this account has different values and information. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) These accounts are in violation for not reporting 100 % accurate. 

XXXX  XXXX XXXX XXXX XXXX XXXX