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

I have consistently received low credit reviews from Transunion. In trying to find out why, I ordered a review of their file which they've been building since I became a widow. 
There are several listed which I've never used, some which I closed because I moved from the West Coast to Ark., and the stores don't exist here, so I stopped using them. There are then a few which I do not recognize and do not believe I have ever used. 

I changed my basic banking/brokerage system last year from XXXX XXXX XXXX to XXXX XXXX. There is no indication that this report is even aware of it. Since using XXXX, my reports are much better. The use of XXXX XXXX XXXX XXXX should have been deleted or at least updated, since that is not only my bank but also my brokerage account. I was able to simply move money from the brokerage side to the banking side any time I needed to. This report does not even indicate the fact that my monthly balance included the totals of my brokerage account along with my bank balance. Therefore, your report seems to indicate I have an incredibly high total of expenditures when the balance is made up of both sides : banking and brokerage. 
I hope this can be corrected to reflect these changes, as I believe it will show my only sin, in your eyes, is to be late on paying several accounts. I have committed that sin under the belief that the longer my money stays in my bank I am earning interest on it. I have never once in my XXXX years of doing business as an adult failed to pay for anything which I have bought. I use a different system, as I said, in order to keep my cash in my bank as long as possible before moving it into the " cash '' side, at which point my bills are paid.
Product: Debt collection

IC Systems at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX has been sending me collection notices in the amount of {$1400.00}. The collections has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letter on my first police report XX/XX/2022 ( XXXX ) and letter for identity theft. Tracking Number XXXX USPS to have the account XXXX  XXXX XXXX removed from my credit report. XXXX, TransUnion and XXXX all removed this account from my credit On XX/XX/2022 These items where place back on my credit report by TransUnion and XXXX. I called in to dispute these items immediately. I was told I can not dispute these items because the creditor said the debt was mine and the debt had been validated. I asked for proof of validation. I was told that was something that could not be provided to me as consumer. I filed another Police Report ( XXXX UPDATE ) XX/XX/2022 and sent it certified mail ( XXXX ) I attempted to dispute this account again However Transunion and XXXX rep told me the account would stay on my report. On XXXX I spoke with XXXX a specialist that Transunion made me pay for in a membership benefit form. XXXX told me to send in another police report. But there was not much she could do. I explained the COST of sending in information and my lack of transportation due to being affected by the pandemic. Documents sent XX/XX/2022 Tracking XXXX According to the Fair Credit Reporting act 15 USC1681.Section 602A I have a right to privacy. According to 15 USC 1681 Section 604A Section 2 No financial institution is suppose to share my information to a third party.

I did not give written permission to have the accounts added to my credit report.

I have also attached a recent copy of my FICO report to support and show inaccuracies.

This clearly violates my federally protected consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account : 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 a account without my written instructions. 

I have disputed this account three times with the credit bureaus XXXX, Equifax, and XXXX they said that this was verified and failed to provide proof. No valid proof was submitted. This account is well over the allotted seven year reporting time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account number XXXX Payment history errors that have not been corrected since XX/XX/XXXX : Equifax showing 8 late payments XXXX showing 10 late payments XXXX shows no payment history Equifax shows a payment on XX/XX/XXXX XXXX shows no payment history for year XXXX Status Update errors that have not been corrected since XX/XX/XXXX : Equifax showing XX/XX/XXXX XXXX showing XX/XX/XXXX XXXX showing XX/XX/XXXX I have disputed the errors XX/XX/XXXX in which XXXX says its been resolved and equifax shows no information on my investigation, and XXXX shows nothing on my report about the company. 

I am familiar with 15 U.S.C. Sec. 1681 ) ( a ) I heard that if you can't provide proof, these accounts must be deleted. Well I want this account deleted according to this law, it's not 100 percent right and correct.
Product: Mortgage

On XX/XX/2023 I received a notification that my credit score was decreased by XXXX points due to 1 late payment from Carrington Mortgage. I have never made a late payment to Carrington Mortgage. When I contacted Carrington about this problem, they informed me that they mistakenly applied a payment to my escrow instead of the principal and then applied the late payment. My payment history does not have record of a late payment. The mortgage did not notify timely of the increase in escrow. I have no problems with making payments and making the payments timely. The mortgage also stated that they were sweeping my payments prior to add escrow. They then increased my payments for two months without prior explanation in request for payments. This information is not being logged as billed out on my payment history log.
Product: Checking or savings account

I am writing am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding the initial attempt to remove fraudulent items from my credit report. Recently, I discovered fraudulent activity on my credit report, including unauthorized accounts and transactions that were opened and conducted without my knowledge or consent. These fraudulent items are severely impacting my creditworthiness and financial standing, and I took immediate action to address them by reporting the fraud to the relevant credit reporting agencies. Despite my prompt reporting of the fraudulent activity and submission of all required documentation, including police reports and affidavits, the credit reporting agencies failed to take appropriate action to remove these fraudulent items from my creditreport during the initial attempt. This failure to promptly address the fraudulent activity on my credit report has resulted in significant financial and emotional distress. I have been denied credit opportunities and have incurred additional expenses as a result of the fraudulent accounts and transactions appearing on my credit report. I request that you intervene to ensure that the credit reporting agencies fulfill their obligations under the Fair Credit Reporting Act ( FCRA ) and promptly remove these fraudulent items from my credit report. Additionally, I request appropriate restitution for any damages suffered as a result of the credit reporting agencies ' failure to address this issue in a timely and satisfactory manner. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$20000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$770.00} XXXX  XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$750.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX  XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$770.00} XXXX XXXXXXXX Balance : {$5600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$200.00} XXXX  XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX  XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX Balance : {$18000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

please find attached the creditors letter for which they have approved of the delinquency being inaccurate for my BMW accounts XXXX letter attached ). 
i have already received approval from the creditor to have this inaccuracy removed therefore please help to have the credit reporting agencies remove these negative marks as well thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX XXXXXXXX XXXX Account Number XXXX TransUnion is reporting an open date of XX/XX/XXXX, XXXX and XXXX have an open date of XX/XX/XXXX. XXXX  XXXX BANKRUPTCY TransUnion Reference # : XXXX Closing Date : XX/XX/XXXX, XXXX Reference # : XXXX Closing Date : XX/XX/XXXX, XXXX Reference # : XXXX No Closing Date provided. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX and XXXX considered to be furnishers? These accounts do not belong to me and TransUnion, XXXX and XXXX have failed to plead their case to who has provided them with this false information and/or provide method of validation of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.
Product: Student loan

After my re certification in XX/XX/XXXX, I noticed that my IBR monthly payment was too high and I don't think they accounted for my XXXX XXXX XXXX  husband in the recalculation. 

At the end of XXXX of XX/XX/XXXX, I attempted to transition my IBR plan to the revised pay as you earn plan. I was told by the customer service representative that I could get enrolled in this play after paying a XXXX   dollar fee. I was expressly told by the customer service representative that I could make this payment to get the process started. 

I went online and payed the required {$5.00} dollar fee on XX/XX/XXXX expecting to get the process started. I have confirmed this date with my bank account. I was told at that time over the phone that it should take approximately 6-8 weeks. I have a letter dated XX/XX/XXXX that requested this {$5.00} dollar payment. 

I think I had additional call in the meantime checking in but forgot to document it. I have had such poor customer service that eventually I started to document my conversations. 

On XX/XX/XXXX @ XXXX I called Fedloans regarding my forbearance. I talked with XXXX ( employee # XXXX. ) She told me that my XXXX dollar reduced payment forbearance had not been processed yet. She told me that she released it so that it would be processed in 20 days. I was still on forbearance. I requested that she send something in writing regarding my next payment due date and that my plan had been processed. She told me the email would take 20 days to process. 

On XX/XX/XXXX, I made another payment for the {$5.00}. I am not sure why I had to make an additional payment. I have this payment documented in my bank account. 

Eventually, after multiple phone calls I was approved for revised PAYE in XX/XX/XXXX. I am filing a complaint because the inaccuracies and inconsistencies given to me by fed loans left me in forbearance from XXXX to XX/XX/XXXX. I am attempting to go for PSLF and it makes a difference as I wasn't able to claim any qualifying payments but was accumulating interest. I attempted to work with fedloans to make sure the process was happening but was given inaccurate information that has allowed thousands of dollars to accrue on my account. 

I think it is unfair to keep consumers in administrative forbearance due to the incompetence of the Fedloan servicing at performing their primary function. Unfortunately, in order to get PSLF I have no choice but to use this servicer. This is not the first time I have been placed on administrative forbearance because of problems related to fedloans management of my loans.
Product: Mortgage

Specialized loan servicing company ( SLS ) continues to overbilled me. I have now contacted them 18 times to try to get an answer. They continuously to me that a supervisor will call me back within 24 to 48 hours. If I am working at the time, I have to start all over because nobody knows whats going on there. They have cashed two checks and mis credited them triggering late fees to my account. The amount seems to change every month constantly causing long phone calls to a staff that is ill trained and never seems to have a supervisor available. This company needs to be investigated. The amount of errors are just unacceptable including posting to the credit bureau that payments are late even after the error on their part was discovered. 
The most current phone call was made again today, XX/XX/2019. 
PLEASE investigate. They send you in circles to email and fax information and then claim that they never received it. In the mean time, Im spending hours getting false information removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have made this clear to this company. 

I sent the XXXX  letter to them on XX/XX/2023, letting them know I am a victim of identity theft and that XXXX accounts were opened in my name. I went on to ask them to validate the accounts and remove them if they couldn't. 

I sent the XXXX  letter to them on XX/XX/2023, letting them know that I know they have XXXX  days to verify the disputed accounts and that I haven't heard from them yet. 

I sent the XXXX  letter to them on XX/XX/2023, letting them know that I still have not heard from them and that further action would be taken if they do not uphold the law in this matter. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I will be sending the XXXX  letter on XX/XX/2023, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I will inform them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over XXXX  days with no verification results from them. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm if they have done a single thing to protect me and my credit.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hi,Transworld System INC. has kept sending mails that showed I had a dept of XXXX from XXXX XXXX XXXX XXXX XXXX billed me two times regarding just one same case. I resolved this issue with XXXX, and XXXX erased the additional bill. So currently there is no balance to pay back.But Transworld System INC is sending mails relentlessly. I sent message in order to stop mailing on their website, however I couldn't get answer yet.I had a receipt, XXXX has history about this. The following information is written on the mail from Transworld System.File#: XXXXCreditor: XXXXInvoice #: XXXX XXXX XXXXBalance Due: XXXXThank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I,, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXXXXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

I have been a victim of fraud and I have contacted the companies involved in this and they are removing the affected accounts from my credit. however I have contacted chase bank usa na they have listed XXXX credit card accounts with different numbers and amounts same time frame I had XXXX card with them that was closed during the divorce in 2007. I have tried to contact them both by phone and by mail and I received XXXX response by mail saying that the accounts will stay. I have placed a extended fraud alert on all XXXX reporting agencies and have disputed this account as fraud with the reporting agencies as well
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was closed well over a year ago. It was charged off. I have no business with this lender and need this lender to remove his inquiries from my credit as when I did have this account it was being ran multiple times without my authorization. Please remove this account as I no longer have business with this account and its only impacting my credit.
Product: Debt collection

XX/XX/2020 had a credit card through XXXX XXXX XXXX. It was sent to collections within a short time. I didn't receive invoices or anything stating I was behind. It was sent to a debt buyer XXXX XXXX in which was end of 2020 year. I called this office that was in XXXX and the man was very rude would negotiate or give much detail. I received a legal letter from a XXXX XXXX XXXX from Utah same person and couldn't get ahold of anyone. No calls back, on hold. Emailed very lengthy email last Friday XX/XX/XXXX saying I received a XXXX page only of a court docket that I'm being sued or garnished and/or lien on my property. I never even got a notice or served! I found this out by another bankruptcy lawyer sending me a pamphlet trying to get business to rep me for this! I would of had NO clue. I keep calling the office and no one answers. There are a few numbers and no calls returned. I looked him up and it looks like this is something he does! I have to money to pay and pay my bills so this is disturbing.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The Cash Store calls multiple times a day ( XXXX ) Using different numbers XXXX through XXXX. They have also begin calling my workplace.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been more than 30 days since the credit bureaus tried to resolve my problem with the account XXXX ; XXXX Not only that but upon checking more detailed this account. I see that date of last activity is different. If its the same account everything should be 100 % ACCURATE. Furthermore, XXXX never marked the account as being under dispute I have circled the errors in my consumer report. XXXX also has this account as open when its been years that is closed. Please delete this account under the fair credit reporting act. This is a violation and its costing me time and money.
Product: Credit card

I pay have a credit card through consumer finance. Every month they are reporting me delinquent on payments. They are damaging my credit, and non of the payment I have made have ever been 30 days past due.
Product: Mortgage

I sold a home in XXXX wisconsin in XX/XX/XXXX. The home was at XXXX XXXX wisconsin XXXX. My morgage company Freedom mortgage Loan # XXXX. At closing I paid the taxes due then shortly after that my morgage company paid them too. The town of XXXX sent the check back to the morgage company XXXX XXXX. I have given them proof that taxes were paid and I have given them proof that XXXX XXXX sent their check back after more then 30 calls to them and over two months I have not recieved my escrow from them. their number is XXXX. My phone number and address is XXXX XXXX XXXX XXXX wisconsin XXXX my phone number is XXXX
Product: Credit card or prepaid card

I've noticed that Synchrony has closed my Rooms to Go account without giving me the chance to dispute it. I received emails on a regular basis and went to go make a purchase this weekend and learned that my account is closed. I have also received notices from Synchrony to inform that they rechecked my credit and have decided to reduce my credit limit without notifying me first to see what the problem is or to see if its something that can easily be fixed. I admit that I may have missed a payment due date a time or two but is that grounds for reducing my credit limit and ruining my credit? I have had a devasting reduction in my credit score and unable to hardly get any credit now. Like I said, I knew that I had missed a payment or two here and there but couldn't figure out how my credit score took such a big hit but now I know why. I feel that Synchrony has taken advantage of me and I don't like this. Unfortunately, they do the financing for 7 or the vendors that I am currently doing business with. I owe balances on each of those cards except Rooms to Go. I am in need of a good mattress but could not get reapproved this past weekend. I have paid off the previous balance a few years ago. I could see me being approved as an issue if I was in default with them. Why does Synchrony get to treat hardworking consumers in this manner?