23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On or about XX/XX/XXXX I attempted to start process on a home purchase, when pulled my credit report I was informed that a debt that was paid in full on XX/XX/XXXX is still displaying on my credit report as an open account. I reached out to the original creditor XXXX, spoke with XXXX, she stated that they informed on Credit Collections Services on XX/XX/XXXX that the debt was paid in full to the original creditor XXXX  I reached out to Credit Collections Services on or about XX/XX/XXXX, spoke with XXXX on a recorded line, stated to her about this inaccuracy on my credit report, she stated in their system its showing as paid and I told her well on my credit report its stating as open. She asked me to fax over what I have to get this corrected I sent her a screen shot directly from the credit agency XXXX. I gave it a bit on XX/XX/XXXX another pulled of my credit was done, still displaying the same inaccurate information. I called Credit Collections Service, spoke with XXXX on a recorded line at XXXX XXXX  est, asked her why it hasnt been removed, she stated she had to speak with her manager she place me on a brief hold, came back stating that her manager XXXX stated that the screen shot from the credit agency XXXX was insufficient, that I should get something from XXXX, submit in. And I questioned XXXX does she hear what she saying I submitted something directly from the credit agency how is me getting the exact same thing is going to be any difference, she responded thats the only way and document that Credit Collections Service will accept. So I did what she said, sent it and the inaccurate information is still displaying on my credit in error that was suppose to be correct in XX/XX/XXXX.
Product: Student loan

Dear CFPB Leadership Team, I am the co-signer on 3 private student loans regarding my son 's ( XXXX XXXX ) attendance at XXXX XXXX College where he graduated with a XXXX XXXX XXXX   degree in 2011. Since then, my son has worked very hard to be accepted into the XXXX Department at the XXXX XXXX XXXX. 

After he graduated from XXXX XXXX, and before going back to college, he landed a full-time job and faithfully paid on his student loans for about 2 years. At some point the 3 private XXXX Bank student loans were combined into one payment. Later, there was a transfer of his accounts to XXXX XXXX. XXXX had returned to college by then and XXXX XXXX did not know he was again a student when the accounts were transferred to them. I had to plead with them to no avail about his need for deferred status while in school and eventually the MN Attorney General 's office became involved to help advocate for a student deferral and XXXX XXXX granted the deferment. Now we learn the transferred accounts have been taken over by XXXX and they want immediate payment. I pleaded XXXX 's case again with XXXX and explained that XXXX XXXX granted the student related deferment, but now XXXX phone people state that XXXX follows the original XXXX Bank arrangement and won't help XXXX with a student related deferment. The three combined payments they want is approximately {$480.00} per month. 

My son does not have that kind of money right now and neither do I. Again, he faithfully paid on his loans after graduating from XXXX XXXX. Also, it is much more difficult to secure student loans for a second XXXX XXXX degree compared to loans offered for upper level degrees which are more generous with the dollar amounts given. An XXXX XXXX degree is much too difficult to achieve when XXXX  wasn't your XXXX degree, hence my son is working for his XXXX in XXXX XXXX. 

Thank you very much for your time. I have also written again to the MN AG office and they advised it is wise to also contact your office. 

Sincerely, XXXX XXXX
Product: Consumer Loan

I XXXX XXXX believes that the credit reporting system works. There is a rule that is part of the Fair Credit Reporting Act known as the 7-year rule on reporting of a negative tradeline. My account with Santander was satisfied several years ago, and I believe that I am entitled to know when the definitive date is when the item comes off all respective credit bureaus. My credit bureau shows the first 30-day late XXXX XXXX, but I believe that I was at least 30-days late twice during fiscal year XXXX. That would mean that the credit tradeline should be removed immediately. Accordingly, I respectfully request a summary statement of each payment ever made by me to Santander since the XXXX XXXX procurement date of debt. Upon such a summary, Santander will see that the deletion timeline has long passed and that the account should be deleted from every pertinent credit bureau pertaining to XXXX XXXX. This credit tradeline must be deleted permanently!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Comenity bank several times about this situation and quite honestly nobody has the skill set to help, I called on XX/XX/20, XX/XX/20 and again today XX/XX/20 the remarkson my account show as " charged off as bad debt '' this is wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

With full faith and credit, I kindly request that the CFPB conduct an impartial review of this matter and engage in discussions with XXXX, XXXX, & Transunion to encourage a fair resolution. My objective is to have the inaccurate late payment entry removed from my credit report, thereby rectifying the unjust impact it has had on my creditworthiness. 

I appreciate the efforts of the CFPB in ensuring that consumers ' rights are protected and that credit reporting agencies uphold their responsibilities. I believe that with your intervention, this matter can be resolved in a manner that is fair, just, and compliant with the FCRA. 

Please provide me with confirmation of receipt of this statement and any updates on the progress of the mediation. I am available to provide additional information or answer any questions that may arise during the mediation process. 

Thank you for your attention to this matter. I look forward to a positive resolution with the assistance of the Consumer Financial Protection Bureau.
Product: Debt collection

I had an installment loan with Moneytree. I made payment arrangements with my first payment due Sat XXXX. I called and made the payment and was told the money would n't be taken out of my account until Monday the next business day. I said please make a note that payment was made on time and was told no problem, you 're ok. 

The following Wednesday XXXX I get a call at work. I was busy so the bartender took a message. I get the message that says " Call XXXX at Moneytree " along with an XXXX number. 

I returned the call and was told you are late on your payment and I informed her I was not and had a confirmation number to prove it. 

They called and shared my personal information with a third party ( the XXXX ). Not only have they now humiliated me at my place of employment but have jeopardized my job due to the industry I 'm in.
Product: Credit reporting or other personal consumer reports

These accounts do not belong to me. 
XXXX  XXXX account XXXX amount {$5800.00} XXXX XXXXXXXX account XXXX amount {$1500.00} XXXX XXXXXXXX account XXXX XXXX XXXX XXXX account XXXX {$2600.00} i sent them certified mail several times to address this matter and no response at all i have proof that i sent and they received because they signed for it. they are trying to collect the wrong thing they dont have the right to collect on this account. i never signed anything with this company. i even sent it to experian, XXXX and Transunion and nothing was sent to me to validate this debt or any of the above according to the law 15 us code 1681 procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifes the agency directly or indirectly through reseller of such disput the agency shall free of charge conduct a reasonablie reinvestigation to determine whether the disputed information is inacurrate and record the current status of the disputed information or delete the item from the file in accordance with paragraph 5 before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Product: Debt collection

I closed and paid off my phone and phone bill like a year ago, and suddenly I got a bill of {$43.00} that I supposedly own, after me contacting them and paying everything over the phone around XXXX or XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

I am utterly stunned and disheartened to see inaccurate accounts on my credit report this morning. Ive checked it like I usually do, but this time, there are discrepancies XXXX cant explain. I tried refreshing my browser to see if it was a glitch, but the errors remained. Im really hoping that the documents Ive sent will be thoroughly reviewed so I dont have to worry about this again.
Product: Credit reporting or other personal consumer reports

XXXX acct # XXXX Ok so why is this account keeps on changing remarks and updating on my reports? The last time this was reported was back in XXXX  and now it magically reappears on XXXX showing its open and its delinquent? I ask for deletions not to updated.im feeling like TransUnion is trying to follow XXXX footsteps by Improperly reinserting inaccurate information on consumers reports.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Made a I made a purchase on XX/XX/04 using my apple credit card and its been down hill ever since. I reported the charge because the merchant canceled my order but i never received a refund for the {$490.00}. I disputed it within a couple days and i was given a provisional credit which i have no access to. So the credit i was given was basically a fake credit that i cant use. They said itll take 90 days to get my credit back. 90 is is ridiculous considering i have proof of the cancellation, But why issue a credit i cant use? A Provisional credit is a temporary credit issued from a financial institution into your bank account. It's often used in situations where a transaction has not been verified or is being disputed. Obviously Apple/GS Bank doesnt know how a P.C should work. XX/XX/XXXX i raised a dispute, here it is 30+ days later and I havent received an update or anything and i still dont have my money back. I spoke to several different people and theyre all clueless. They were unprofessional, i told A CSR that the merchant agreed to a cancellation of the order and the rep tried to get me to close the dispute and work it out myself. Their investigative practices are terrible. Its not fair how they arent investigating anything and i dont have my money put back onto my card.
Product: Checking or savings account

Will not allow me to file proper disputes. Will not submit disputes, Inconsistent and irrelevant responses untimely and inappropriate. 

Will not refund unauthorized and disputed transactions. 
Will not assign each disputed transaction a claim number and properly initiate disputes. 

XXXX to XXXX XXXX XXXX Never received delivery. Police called, XXXX was XXXX and XXXX and still cash app refused to refund. Or submit an official dispute. 

XXXX {$95.00} XXXX XXXX XXXX XXXX XXXXXXXX clerk refused to check me in minutes after payment on XXXX 
Police called, refund never received, no violation of t.o.s. on my side.. must honor XXXX liability policy.. 

XXXX. From XXXX XXXX  never received items. 

{$10.00} and {$13.00} XX/XX/2024 XXXX XXXX, data plan purchased and not applied. 
Several others.
Product: Debt collection

I received a settlement agreement from XXXX XXXX XXXX XXXX XXXX for a debt with XXXX XXXX XXXX XXXX. When I spoke to a representative from VRS, they confirmed that if I paid the settlement amount the account would be considered paid in full and removed from my credit report. I paid the amount on XX/XX/XXXX but I received a letter from XXXX XXXX XXXX XXXX that I had to pay another {$180.00} and as of today, the account still shows on my credit report. I would like the account removed as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is TRANSUNION 's duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 4 inaccurate late payments for the XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/XXXX, a 60 day late payment posted in XX/XX/XXXX, a 90 day late payment posted in XX/XX/XXXX and a 120 day late payment posted in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Mortgage

We have had our Mortgage through Citibank for about 13 years. We received notice from them, dated XX/XX/2019, on XX/XX/2019, informing us that our mortgage was being transferred to another company on XX/XX/2019. 
I know that selling off mortgages is a common practice, and although I'm not happy about them doing so, that is not my complaint. 
My complaint is, 1 : that we had very little notice, less than 2 weeks, about the change. And 2 : the company that it is being sold to appears to have a horrible reputation regarding its servicing of mortgage loans. 
Online, it appears that Citi has an average rating of about 3.5 stars, and the company they are selling my mortgage to has an average rating of 1.5 stars. Reading the reviews of the new company, it looks like the reviews are overrated, as many people state that they would give the company " zero '' stars, if that were an option, but, it wasn't, so they gave 1 star. 
But truly, my complaint is about the short notice of this transfer. When we originated the loan, we were led to believe Citi was capable of servicing, and planned to fully service the loan for it's lifetime, and that the loan transferring elsewhere, was not to be expected.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts have a lot of missing information in this account and also I do not have any affiliation to them. I want to these accounts be removed due to multiple reporting violations. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX
Product: Vehicle loan or lease

Was never notified about a switch to this company nor was I made aware of the illegal activities of XX/XX/XXXX. Because they have not held up their end of the contract that makes in void.
Product: Student loan

Re : Over payment on refinancing On XXXX XXXX, 2017 I refinanced my student loans with XXXX and they paid Nelnet {$69000.00}. This is an over payment of {$930.00} of the last principal balance from XXXX XXXX, 2017. I called today and was told that the over payment went towards the loan I still currently house with them. Upon adding the numbers that was applied to that laon the total is {$530.00} a difference of {$400.00}. Now, I understand there was 6 days between the last principle amount date ( of my last payment ) and XX/XX/XXXX to when XXXX paid you for the loans and during that time interest had accrued however I know that {$400.00} of interest had not accrued during 6 days. So where has the missing money gone? and it makes me wonder if anyone else has had this happen to them and have not known about it. It also makes me wonder how accurate all the other books are if they cant tell me where a missing {$400.00} has gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I continuously received bill in the mail that I was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. I got my report back and I was furious with the amounts of the accounts on my report that I know do not belong to me. XXXX, XXXX XXXX XXXX ( Original Creditor : 11 XXXX XXXX  ), There are also inquires that were not authorized by me : XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX | XX/XX/XXXX. I have contact the FTC and local police and doing this on my own behalf. Please remove these items off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : 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

XXXX  and Transunion are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see pages 8 and 9 of the attached credit report. ) I have already called XXXX XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Debt collection

On XX/XX/XXXX I received a call from XXXX XXXX at phone # XXXX. This debt collector informed me the calls stemmed from an outstanding Pay Day loan bill from XX/XX/XXXX. I did not apply, nor have i received a Pay Day loan from any company, yet XXXX XXXX knew my phone #, address, Social Security #, Bank institution and Account #. I advised her that I did not take a Pay Day loan, and did not know how she knew my information. Also I asked for proof of this debt ( See attached ). XXXX XXXX then in an attempt to prove that this debt was legit ( Not knowing I was already at my Bank and confirmed I did not receive a Pay Day loan ) called my bank institution at approximatelyXXXX, and did gain acces. The Company name that was attepting to collect th debt was High Point Asset.
Product: Credit reporting, credit repair services, or other personal consumer reports

My late husband ran up many fraudulent debts in my name before he XXXX XXXX  in XXXX, 2015. Since then I have worked diligently to pay off any debts that could have benefited me, and to protest those that I knew were his debts. His name was XXXX XXXX XXXX. My XXXX score is now Excellent. But Equifax continues to lower my score for no reason. I was affected by their data breaches. I have tried to ask them why they seem to lower my score every time I dispute incorrect information. They show the dispute as a " credit alert '' on their XXXX website, that is free to those harmed by their data breaches. It appears that my score is being lowered as retribution for disputes of bad information. I still can not see results of my disputes because of bad address data on their databases. This is very frustrating and unfair.
Product: Credit reporting

I had not known that the fraudster over at IDA had changed companies to XXXX, and as such I have been unable even through the CFPB to insure that the Freeze that was in place while IDA was handling my case was still in effect when XXXX took over. However I have been unable to even receive verification of this, and even XXXX of the CFPB asked me to obtain this and I AM UNABLE TO DO SO. This is a clear violation of the law.
Product: Debt collection

Hello XXXX, I received this response from the cfpb today : The attached letter was sent to the consumer. The account is now correctly reported. The company received notice that the case was dismissed on XX/XX/XXXX and was not able to update the credit bureaus immediately. As of XX/XX/XXXX they have been updated and the consumer 's account is accurately reported. 

THIS ACCOUNT HAS NOT BE UPDATED. I RECEIVED AN ALERT ON XX/XX/2018 SAYING IMPROVED ACCOUNT BALANCE XXXX PAYMENT STATUS REPOSSESSION. 
XX/XX/2018 I RECEIVED ANOTHER ALERT DELINQUENT ACCOUNT ACCOUNT BALANCE {$4000.00} PAYMENT STATUS : COLLECTION CHARGEOFF XX/XX/2018 I RECIVED ANTOHER ALERT IMPROVED ACCOUNT ACCOUNT BLANCE XXXX PAYMENT STATUS : COLLECTION/CHARGEOFF XX/XX/2018 I RECEIVED ANTOHER ALERT DELINQUENT ACCOUNT ACCOUNT BALANCE {$5800.00} PAYMENT STATUS REPOSSESSION. 
Please explain why this is continuing to happen. 


I DO NOT KNOW WHO IS REPORTING THIS INACCURATE INFORMATION BUT THIS HAS TO STOP AND BE UPDATED CORRECTLY. I HAVE ATTACHED ALL THE SUPPORTING DOCUMENTS TO THIS EMAIL. I should not have a chargeoff on this account being that we settled for XXXX and they would locate the other party for the additional amount owed. This was communicated clearly to Turner acceptance upon my agreement to pay as the cosigner. Payment status was to be PAID IN FULL. I have dealt with enough harassment from this company. If this is not updated accurately I will take legal action myself. All the information reporting on my credit report from this company has been inaccurate.