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

I submitted paperwork to remove a fraudulent XXXX card account off of my credit report. This removed the fraudulent card last year. This year I opened up a card of my very own. Soon after, the fraudulent XXXX card account was put back on my Experian file. I spoke to associates, disputed via certified mail, and online. The associate told me that XXXX sent Experian a notification that the fraudulent account was mine. I have gone back and forth with Experian for over 6 months now. Experian still has not sent me anything proving the fraudulent account is mine. The other 2 credit bureaus removed the fraudulent XXXX account once and never put it back. This account is the only negative account on my file. The file was said to be opened XX/XX/2016 and is charged off with a balance of {$890.00}. This is not my account and I request to have it removed from my Experian credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the morning of X/X/17, I learned of the data security breach at Equifax Credit Bureau via XXXX. XXXX provided a website address/URL to assist individuals in determining if they were affected by the hacking incident. I visited the aforementioned site and was informed that both me and my spouse were possibly affected by the hack. We subsequently registered for identity theft protection via their TrustedID program. Later on in the day, I learned that after one year Equifax will charge for the TrustedID program and signing up for the program waived our rights to participate in any lawsuits ( i.e. class action, etc. ) and we 're subjected to only arbitration. I believe this to be very unfair, penalized in two different instances for their inadequate cybersecurity protection of our personal and highly sensitive data ( charge after one year and waiving our rights ).
Product: Credit reporting or other personal consumer reports

This is potentially redundant however I am not able to verify some information on any credit report agency but it is not clear on phone numbers and one address because I had been in the area more than once however if I can not get timeframes on the mailing address I can not know. If about the same timeframe it would not be likely. However if this was an address at a different date I still am uncertain because I did get my mail in the area usually where I lived at the address. So I am uncertain on one of the XXXX XXXX XXXX XXXX know one was mine. I merely can not know if it is correct or not.
Product: Credit card

In XXXX 2015 I started to have major Problems With Barclay Card US MasterCard. I was a few hours late on my paymehnt I was charged a late fee and had called in and emailed the Customer Service XXXX. I was over my limit and i was charged Late charges and Overlimit Fee charges over XXXX I emailed and spoke to the Customer Service Center and they refused to help. Finally I contacted the XXXX to see if they could help and I spoke to a Customer Service Agent and she was very rude I felt that she was discriminating against me and did not take the time to help. She was very Prejudice against others. All on want is removed off my credit report and I will go to a differnt company due to Barclay Card being didcriminating against others.
Product: Mortgage

Additional information for current complaint # XXXX I'm in communication with XXXX XXXX from PNC Executive Client Relations. 

I have concerning issue with my mortgage payments and the lack of response from her. 

Since my last email to her, I have not received any communication or assistance from her, and it appears that my concerns have not been addressed. I have proof of payment showing that I have diligently paid PNC for my mortgage obligations. However, it seems that PNC is not applying these payments correctly or conducting proper research on the matter. 

Recently, I received a check from PNC for {$180.00}, claiming that it is insufficient to cover my mortgage payments. This is deeply concerning, as I have made payments for both XXXX and XXXX, which are documented and attached to this second complaint. 

I urge PNC to rectify this situation immediately. Failure to do so will leave me with no choice but to pursue legal action to ensure that my payments are properly acknowledged and accounted for. 

I kindly request their immediate attention to this matter and a swift resolution. Please contact me at your earliest convenience to discuss further steps to resolve this issue. 

Thank you for your prompt attention to this urgent matter.
Product: Prepaid card

I was asking for a refund because funds we're taken from me were unauthorized so they denied my claim after that I asked them for a refund again because as I said the fun they took were unauthorized I tried to send them as much information as I could so they turned off my prepaid card and I can not get a new one it says an unexpected error occurs I've tried to fix this with the company multiple times I deleted my account I asked them to delete all my information and started a new one and the same error message still comes up so I believe that they have something linked to my personal information and or social security number that makes me ineligible to get another card and I have fun sent me through this company.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Items to Dispute Personal Information Previous Address : XXXX XXXX XXXX XXXX, XXXX XXXX Late Payment XXXX XXXXXXXX XX/XX/XXXX {$5800.00} XXXX XXXX XXXX XX/XX/XXXX {$5700.00} Inquiries XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX has reported my account as XXXX  days past due in XXXX of 2023. My account was not past due in XXXX of 2023. I have asked multiple times for the credit bureaus to investigate with XXXX financial but has been unsuccessful. I even asked XXXX to do a good will correction because even if we were late it truly was cause by circumstances outside our control.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been a month since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account on my Experian credit report XXXX XXXX over a year ago. I disputed that the payment history wasn't being reported correctly because there was a few months missing that wasn't reported being paid. Experian said the account was verified so the account remained the same. I was comparing my XXXX  and Experian report on my XXXX XXXX account and i notice that Experian is showing that this account was Charged Off but XXXX  has this account showing as Paid Charge off. So when i saw this inaccuracy i decided to dispute this with Experian on line but Experian wont let me dispute this account again when i try i get the following message. " For security reasons, we can not process your dispute online. Please contact us by phone so we can best assist you. '' so when i call the number i just get put on hold for over an hour. Then i get hung up on. So today im asking Experian to let me start a new dispute investigation with XXXX XXXX. I also have proof verifying this inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attemped to resolve this is sue with Credit Reporting Agencies and the comp anies included in my complaint.   Approximately 18 months ago I started receiving delinquent noti ces from I.C. Systems, INC.  {$890.00} and  XXXX   XXXX   XXXX  {$99.00} that 's located in Washington State for accounts opened in  XXXX  and  XXXX   XXXX  respectively. I advised them that I 've never lived in or visited Washington  State.  My son by the same name and obvious ties to my address was stationed in the  XXXX  there. I was advised in early  XXXX  by th e I.C. Systems INC.  and  XXXX   XXXX   XXXX  that the matter would be resolved and taken off my credit record.   AS of  XXXX   XXXX ,  XXXX , the incorrect information has not been corrected and continues to negatively effcet my credit history and score. Please advise.      XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I've found errors on my credit report, showing late payments that don't match my history. Please make the corrections and update my account as needed.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXXXX/XX/XXXXregarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX has failed to provide adequate validation and verification of the debt they are attempting to collect. Despite my formal request, they did not supply sufficient documentation to substantiate the legitimacy of the debt. This failure to validate and verify the account constitutes a violation of my rights under the FCRA. XXXX XXXX XXXX XXXX XXXX : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Ms. XXXX XXXX called me at XXXX XXXX central time in the morning and did not verified the person for the debt. I asked for your her information and her to call here anymore. This practice is unacceptable and should not be tolerated.The company is Portfolio Recovery and the telephone is area code XXXX. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, AND EXPERIAN HAVE FRAUDULENT INFORMATION ON MY REPORTS IN MY NAMES AREA OF MY FILES THIS IS THE FRAUDULENT NAMES. ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) MY SOCIAL SECURITY NUMBER ENDS WITH ( XXXX ) THERE IS A VARIATION THAT END ( XXXX ). I HAVE ATTACHED MY POLICE REPORT TO PROVE THE FRAUD THAT WAS DONE IN MY NAME.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I recently began a refinance, XX/XX/2020, on a home. Within one week of our credit reports being pulled, my husband began receiving emails and on more than one day received up to 35 phone calls from solicitors for mortgage, debt consolidation etc. 
It is a well-known fact there is a loop-hole with the big three credit reporting agencies, Experian, XXXX and XXXX  barring them from penalty for selling consumers information. This is a huge ethical violation as well as privacy violation to us as consumers. My husband 's business phone number has been compromised and is now being abused due to the three credit reporting agencies, listed above, selling our private information. This is unacceptable and it needs to be rectified. How do we close this loop-hole? 

We have both signed up for the OPT OUT as well as requested a permanent opt out. 

How do we proceed and how can you help? 

Thank you. 
A very frustrated consumer
Product: Vehicle loan or lease

My lease expired XX/XX/XXXX. The car was turned in and I never received any further information or bill from GM Financial. I then received an alert on my credit report stating I had {$410.00} 30 days past due and dropped my score even though I had not received a final bill. Upon calling GM Financial on approximately XX/XX/XXXX I spoke with a representative who stated a final bill was never sent out. She further stated that she would fix the inaccurate credit report and send out the final bill. The account got reported as being in good standing but still showed a late payment.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$5500.00}
Product: Debt collection

On XX/XX/2019 XXXX XXXX contacted my father on a private, state issued phone ( he is a state police officer and that was his work phone ) which is not a number I had ever provided them with. They gave him private information about my debt and it's current status and told him they are taking legal action and that he needs to hire me a lawyer. I contacted them the same day and questioned how they even obtained his private work number and told them to stop contacting him and to only contact my number and gave them my number and made sure it was verified by them twice verbally. The on XX/XX/2019 my father was again contacted by XXXX XXXX   and told that I am being sued and need to hire a lawyer because I owe them money. They continue to call him on his private work line and I have requested that they cease and they have not. I have also explained to them that I am a college student and would pick my payments back up when I had the money as I do not have it now. I will be calling them again today to ask them once again to stop harrassing my father since they are calling him instead of me about MY DEBT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX keep updating me account its paid off and its been over 7 years will not reporting to take off my credit report.This a law I open this account XXXX  They needs to remove off my credit report
Product: Credit reporting or other personal consumer reports

I have a capital one card. I want to make sure that I do think that customer support and fraud department provides good support to card holders. I am not complaining about customer support or fraud department. Hower, I believe that underwriting department is out of compliance. Back in XXXX I got a pre paid card in order to rebuild my credit during a legal separation soon to be a divorce. Now, when I checked my credit report via credit karma it is showingXXXX points off my credit because of my credit usage. I have never had a late payment... why is it that far from helping me build up my XXXX  it is deducting my points every month? 

Please advise why do I feel that this card is simply not a good option to rebuild my credit? Is this even in compliance with fair credit reporting? 



Sincerely XXXX XXXX
Product: Debt collection

I am in collections from a hospital in XXXXXXXX. I have never lived or visited XXXX I have requested that they remove it and filed a police report as per their request with no resolution.
Product: Debt collection

On XX/XX/2022 I received notice from my company that {$600.00} will be garnished from my wages and will continue to be taken until {$16000.00} is paid off. This was the first time i herd of such a debt, i had never received any previous contact or information regarding this debt priory to this date. The companies involved were XXXX originally and now being handled by Midland Credit Management. I have purchased Cars previously and this has never come up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my XXXX XXXX  / XXXX XXXX account with all 3 credit agencies due to inaccurate information on XX/XX/XXXX. 

While I was late XXXX - XX/XX/XXXX ; due to a medical emergency and then again for the month of XX/XX/XXXX because XXXX  did not forward the last bill when we moved in XX/XX/XXXX, I didn't receive a bill, I did pay it off when I received the final bill. 

In XX/XX/XXXX, when my husband and I applied for a mortgage, they informed me of the situation and told me if we could get approved ; it would raise my rates by a full point and we would not be eligible for some loan programs due to the issues with my credit reporting through Transunion. 

They also reported I was late XXXX - XX/XX/XXXX ; yet there was no balance during any of XXXX and I did not use the account until XX/XX/XXXX when they offered to increase my credit limit to {$1700.00}. 

When I disputed the account to Transunion on XX/XX/XXXX ; they investigated and deleted the account fully, but kept the incorrect late payments on my credit report, thus lowering my credit utilization by {$1700.00} and score by XXXX points on XX/XX/XXXX. 

We were relocating to XXXX from XXXX due to health issues in XX/XX/XXXX ; so I did not keep a close eye on my credit because we had already worked on it and gotten it above XXXX that was needed and we knew it would only go up as we paid our car loan off with no new bills. 

On XX/XX/XXXX we applied for a mortgage in XXXX  and were sent our credit reports and spoke to several mortgage companies that appraised of the situation with the incorrect credit reporting being on our report ; so I disputed the account again and filed a complaint with the CFPB.
Product: Student loan

My student loans were consolidated and myconsildation payments started in XXXX, however PhEAA is still actively reporting my loan in default every month as recent as XXXX. I understand the initial default being reported and not coming off for 7 years however they have not updated the report to indicate it is currently consolidated and satisfactory. It still shows as if it is currently in default and is heavily affecting my credit score. This is not acceptable. Please look into this and get back to me.
Product: Debt collection

I disputed Portfolio Recovery account through XXXX. XXXX seems to say everything is verified but refuse too send me the actual method of there verification. What I cant understand is how did XXXX Verifiy that the debt collector has the legal authority to collect on this debt, when Portfolio Recovery refuse too send me the consumer any validation paperwork relating to there ownership of the debt. XXXX refuse to accurately investigate the validity and legality of the Portfolio Recovery account. ( Please explain too me how XXXX can make it so hard for the consumers too remove illegal items from there credit report.
Product: Credit card

Capital One charged more interest on a a lower balance than the month before. Several payments have been made prior to this months statement, and this month charged more interest on a lower balance owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact the credit bureau to have them remove these inquiries off my credit report and I got a response back stated these items are not removed and I'm request this again to have it removed immediately! None of these inquires are mines. I have not never contact these companies nor gave these companies my information to have them check my credit profile. 

Please have these remove immediately 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, I'm XXXX to have this remove or Ill have to procced with legal actions.
Product: Debt collection

The company Lobel Financial sued me and I was unaware that I was being sued and contacted my employer for wage garnishment after being issued a court order to garnish my wages from a hearing that I was never notified of. On the documents that the company sent my job they listed a previous address of mine that I have not lived in for over 10 years. This company also previously garnished my wages from another job back in XXXX and I was unaware that I was being sued and needed to show up to court to defend myself. The company put in effort to find out my places of employment but no effort to properly find out my current residence to serve me with paperwork regarding a lawsuit. This issue was also disputed on my credit report with a credit reporting agency and I no longer owe this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The TransUnion have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Chargeoff ; XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$580.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$950.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance {$1300.00} XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$650.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$2300.00}
Product: Debt collection

was contacted by letter in the mail on XX/XX/XXXX, the letter was dated XX/XX/XXXX. This letter is from a company called XXXX XXXX located out of XXXX XXXX, MN. This company seems to be a collection agency and they are trying to collect funds from a company called Paypal Account. They say I owe a debt of $ XXXX this was created in XX/XX/XXXX. I have never had a Paypal account and when I notified the company the first time they wanted me to verify my social security number I would not give it to them and the rep on the other line got very hostile with me. I informed them that they could discuss this debt with my attorney and that I have never had a Paypal account. I am XXXX years old and I use a bank not Paypal to pay my debts. The young lad I spoke with was very rude so I ended the conversation with her. The date I contacted them was XX/XX/XXXX upon receiving the letter about XXXX in the afternoon CST. I decided to call back on XX/XX/XXXX, and I received assistance from this young man, I told him that I did not feel comfortable giving my information such as my social security number and he told me that was fine, he then began to tell me about the debt so I asked him if he had an email connected to this debt since it was a Paypal account, he gave me an email of XXXX, I have never heard of this email and it does not seem to be something in English, I informed him that they had the wrong person and that I needed to dispute this debt. He informed me that he would file a dispute and if I had any information that would be helpful in the filing of the dispute to send it to XXXX XXXX XXXX XXXX. XXXX  XXXX, XXXX, IL XXXX or XXXX XXXX  XXXX XXXX, XXXX XXXX, MN XXXX. I feel like whomever this XXXX person is they are running a scam and giving debt to people that do not owe anything trying to threaten in paying. Please help me solve this problem.