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

I purchased a house on XX/XX/17 that had existing XXXX service and had constant issues with the service with phone lines and televisions being down. They changed the status of our plan multiple times from being out of contract to being in without my authorization. There service reps missed multiple appointments to repair issues. We had to cancel service eventually and disputed the charges they said we had. They still went and reported it to the credit agencies as a derogatory in collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello TRANSUNION CRA : In regards to the entries contained in the attached dispute document of : I am disputing 100 % of this credit collection entry. This is a continued DEMAND that every one of the entries be removed and blocked asap from my name and personal information on file with the CRA 's in attendance of these entries. With the prior XXXX  security breach, and many other identity theft breaches happening across the country, it looks like you are continually allowing bad data to take over your records. Consistent identity theft is on-going and you are not providing the needed level of security to make sure the wrong information is not reported on my account! I will not stand for this. Look at my history with you, in disputing junk and erroneous information. This does not belong to me and you are again, aiding in ruining my credit profile with this erroneous account. XXXX seems to be the only CRA that is the least bit concerned about bad information populating consumers account. You aren't as much ... why? 
See the attached document THAT LISTS ALL THE APPROPRIATE ENTRIES CONTAINED IN YOUR SYSTEM WITH REGARDS TO SLANDERING MY GREAT NAME AND PAYMENT HISTORY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't have a financial obligation to these companies and it is negatively affecting my credit score,  please remove it immediately XXXX  XXXX, XXXX XXXX XXXX****,  XXXX XXXX****, XXXX XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX CALIFORNIA XXXX XXXX  ) XXXX**** , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX****, XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****, XXXX XXXX   ( XXXX XXXX : XXXX XXXX XXXX ) XXXX****, XXXX XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****, XXXX XXXX & XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX**, XXXX  XXXX****, XXXX XXXX****
Product: Credit reporting or other personal consumer reports

XXXX. XX/XX/XXXX, XXXX {$1200.00} XXXX {$0.00} XXXX XXXX, XXXX {$0.00} XXXX XXXX, XXXX {$0.00} XXXX XXXX, XXXX {$500.00} XXXX XXXX, XXXX {$120.00} XXXX XXXX, XXXX {$500.00} XXXX XXXX, XXXX {$510.00} XXXX XXXX, XXXX {$5900.00} XXXX XXXX, XXXX {$390.00} XXXX XXXX, XXXX {$0.00} Action taken by me requesting to validate or remove from credit profile
Product: Checking or savings account

XX/XX/XXXX received funds from customer and balance was {$40.00} XX/XX/XXXX was informed my account was closed ( no reason ) XX/XX/XXXX tried to withdraw funds declined XX/XX/XXXX Appealed closing of account ( still no reason why they closed ) XXXX XXXX, XXXX and XXXX been trying to transfer declined XX/XX/XXXX contacted bank and asked for refund in form of check and was declined XX/XX/XXXX cash app will not allow transfer to go threw
Product: Debt collection

After the housing company sent my debt to a collections agency, I tried reaching out to them one last time in the form of a letter, delivered by certified mail. In it, I asked the company to drop the debt, as they still had not proven legitimacy of the debt, nor had they made any attempt to put the debt through a dispute process. <P/>I asked them to please contact me if they still planned on sending the debt through to affect my credit, so we could finally discuss the debt, otherwise I would assume the matter was settled. <P/>I sent that letter on XX/XX/XXXX. I never received a response from the company, however they waited until the middle of XXXX to finally report the debt to the big three credit companies. I find this behavior appalling. <P/>... <P/>In my previous CFPB complaint, the company responded with documentation of the damages to the property. They have made it clear they do not understand this situation, so perhaps I need to be more blunt. <P/>The things that needed cleaning both in and out of the house were already paid. I utilized a cleaning company that the housing company recommended ; both the cleaning company and the housing company promised ( both verbally and in written document form ) that this cleaning company would guarantee a passing final, and anything they did not complete prior to the final out, the cleaning company could finish after. <P/>So, therein lies the dispute. I was promised if anything did n't get finished by the cleaning company, the housing company would not hold cleaning charges against me in the final out. However, I ended up paying the cleaning company in full, as well as a demand by the housing company to pay more money for cleaning. <P/>I attempted to speak reasonably with the housing company already, however I was spoken to most unprofessionally, and was demanded to pay the full amount regardless of the on-base legal office that also verified my claim that I was not liable for the full amount. <P/>I do not feel like this matter ever should have gone to a collection agency without fully completing a dispute process, especially after the housing company quite literally stole the money from me anyway. The money was returned after some argument, however that is not an excuse to simply push my case to the credit companies. <P/>It is especially disconcerting since I had attempted conversation again in the form of a certified-mail letter, which explicitly stated that I would consider this matter closed if I did not receive a response, and I did not get a response. I have attempted to be civil and polite throughout this entire process, but so far I have been lied to, treated poorly, and now ultimately ignored to the point where I have been harmed in the form of affecting my credit negatively. <P/>I have made my argument quite clear to everyone involved with the housing company, and those arguments have been verified by legal officials. This act of attacking my credit without cause or attempted communication with myself should be looked at as an act of defacement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has repeatedly reported inaccurate data to all XXXX major credit bureaus as it pertains to my credit report. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX under creditor XXXX  ( XXXX XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

All information XXXX  ( a subsidiary of XXXX XXXX XXXX, also called XXXX ) is reporting to the credit bureaus is inaccurate for the following reasons. ( Each number below is an inaccurate statement given to one or more of the 3 credit reporting agencies. ) 1. DATE OPENED : XX/XX/XXXX - I did not open an account with them on XX/XX/XXXX as I had no relationship with XXXX  ( a subsidiary of XXXX XXXX XXXX, also called XXXX ) prior to XX/XX/XXXX. XXXX XXXX purchased my mortgage from XXXX in XXXX upon XXXX filing for bankruptcy. 
2. DELINQUENCY FIRST REPORTED : XX/XX/XXXX - I could not have been delinquent with XXXX XXXX on XX/XX/XXXX as I had never heard of them or had any obligation to them prior to XX/XX/XXXX. I did, however, make my XX/XX/XXXX mortgage payment in full to my lender at that time, XXXX XXXX. ( XXXX later merged with XXXX. ) ( I have provided proof of payment to all three credit reporting agencies. ) 3. ACCOUNT STATUS : Included in Bankruptcy This account was not even opened during the bankruptcy proceedings in XXXX. Additionally, the bankruptcy documents show that I intended to continue paying my mortgage to the lender at the time, XXXX, which I did. I have never missed a mortgage payment. Not once in the 18 years I have lived in my home. 
4. ACCOUNT CLOSED This account was opened XX/XX/XXXX when I made my first payment to them and I have continued to make my payments on time every month so its actually not closed at all. They simply choose not to report my payments and erroneously state the account is closed as a punitive measure because of the bankruptcy proceedings which did not include them and had no impact on them. 
5. MONTHLY PAYMENT - {$0.00} My monthly payment with XXXX XXXX is currently {$1600.00} which included taxes and escrow. 
6. NO PAYMENT HISTORY This account is open and active since XX/XX/XXXX. I have made every payment on time. 
7. DATE CLOSED : XX/XX/XXXX I did not even begin paying XXXX  until XX/XX/XXXX ( so it couldnt be closed in XXXX ) when they purchased my mortgage from XXXX and I have continued to make my payments on time every month so its actually not closed at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a dealership where a friend works to see what vehicles were in my selected price range. I made sure the employee ( my " friend '' ) was aware that I was not ready to purchase, and I DID NOT want my credit to be checked. He assured me that they would not conduct a hard inquiry on my credit and proceeded to speak with his manager.  Shortly after I received a notice on my phone ( from XXXX XXXX app. ) that there was a new hard inquiry on my credit. I IMMEDIATELY informed them of the unauthorized hard inquiry and they provided me with documentation to dispute the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing accounts reported by XXXX XXXX XXXX XXXX XXXX ; Account XXXX {$460.00} and Account XXXX. Certain transactions on both accounts were not authorized as well as duplicate charges for a hotel reservation. I contacted the original creditor XXXX XXXX XXXX about these transactions. XXXX failed to dispute those transactions and closed the account and sent these two accounts to XXXX XXXX XXXX XXXX , XXXX . I demand verification of debt. These two accounts were reported on my credit files on XX/XX/XXXX while these two accounts were still open and active. I received letter from XXXX XXXX XXXX XXXX XXXX that was forwarded through the postal service XX/XX/XXXX. The letter was dated XX/XX/XXXX with the default date of XXXX XXXX. In the letter XXXX XXXX XXXX XXXX , XXXX. stated This account may be reported to a Credit Bureau but no sooner than 90 days. That statement was FALSE as they reported to the credit bureaus on XX/XX/XXXX. Their letter was dated XX/XX/XXXX. Accounts XXXX and XXXX were closed by XXXX XXXX XXXX the second week of XX/XX/XXXX.
Product: Credit card or prepaid card

Visa XXXX at XXXX the bank that has the card agreement with usaa savings bank - the issuing bank and who told me to call visa, refuses to tell me where I can get the exchange rate information use on foreign transactions for XXXX. Visa tells me to call USAA as the rates used are XXXX and exclusive rates for usaa and that visa does not have that information. I called visa  on XXXX and was on a recorded line. When I called usaa to get the info, they told me to call visa. So this complaint is for Visa as I have also filed one for USAA.
Product: Debt collection

Diversified Adjustment is reported on my credit report and amount is for {$3200.00}. I sent Diversified Adjustment a debt validation on XXXX XXXX  2017 and Diversified Adjustment has not responded
Product: Student loan

School : XXXX University, XXXX, TNIn 2013, Navient guaranteed that if I put {$1500.00} down and agreed to a Reduced Interest payment plan on a charged off private student loan, that they would in return XXXX ) Bring me to a " current '' state on my account, XXXX ) guarantee 0 % interest on future payments, XXXX ) Report to all XXXX credit bureaus that I am current and no longer delinquent. All of this would be fulfilled XXXX 3 months of timely payments were received by them. That was 2.5 years ago and XXXX payments ago. I have had no late payments and have had no missed payments. I have done everything I was told to do in exchange for false promises. Navient is still making derogatory reports to the credit bureaus and they have yet to fulfill the promise of any of the above. According to their reports and to all of my credit reports, I am XXXX payments late and have an amount of {$2600.00} past due. I have called over XXXX times in the last year and have gotten nowhere. Today, however, it was admitted to me for the XXXX time by a Navient rep that I was indeed " misinformed '' when the above terms were guaranteed in exchange for {$1500.00} down and my agreement to a reduced interest payment plan. She said that there was a period of time when customers were told this information " erroneously. '' And the only thing she could do is apologize. I feel totally taken advantage of and duped. I am completely fine with paying back loans that I owe, but being lied to in order to take advantage of someone is wrong beyond words. This needs to be brought to the public 's attention immediately. This company is unethical on so many levels. 
The XXXX people responsible for making these promises on behalf of Navient are XXXX XXXX and XXXX XXXX XXXX. I was called over and over again by XXXX individuals and was threatened with legal action if I did not agree to these terms. I was asked if I had any jewelry or anything valuable that I could sell, so that I could provide them with a down payment to avoid court. I succumbed to the pressure and borrowed money from friends and family in a difficult financial period in my life and made it my mission to pay Navient each month on time. I have stuck to my word. They, however, have not.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX ), ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Capital XXXX {$580.00} XXXX {$830.00} XXXX {$2000.00} XXXX {$3500.00} XXXX XXXX XXXX {$2200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Department of Education had sent the updated status to all three credit bureaus : XXXX, Equifax, & XXXX. 

XXXX and Equifax did not update the remaining loan per the Dept. of Education status to the bureaus. 

I contacted Department of Education on multiple occassions including today to confirm status update. They informed me that they had sent the updates to the three bureaus over 12 months ago. 

XXXX XXXX Equifax has still not updated the correct information : Stating : " Loan/Account number : XXXX, Original date of account : XX/XX/2010, Original amouont : {$57000.00}, is satisfied, paid, no lates, and should be deleted. ''
Product: Credit reporting

Experian Credit Bureau has a collection account listed on my credit report that was sold or transferred from the original creditor, XXXX XXXX XXXX, to the collection agency, XXXX. There is no date listed on the account of when the original contract with XXXX began. That date is XXXX XXXX, 2008. I have writtenExperian on numerous occasions to have them put this date on the account, and theyhave not done so. Please have them list this date as soon as you receive my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

US DEPT OF EDXXXX XX/XX/XXXX {$10000.00}, XX/XX/XXXX {$4100.00}, XX/XX/XXXX {$4000.00}, XX/XX/XXXX {$3800.00}, XX/XX/XXXX {$2900.00}, XX/XX/XXXX {$2500.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$1900.00}, XX/XX/XXXX $ XXXX {$32.00} THIS COMPANY IS REPORTING INACCURATE INFORMATION SUCH AS MY NAME MY BIRTHDATE MY SOCIAL MY ADDRESS AND WHAT SCHOOLS I ATTENDED. I HAVE CONTACTED THEM NUMEROUS TIMES CALLING SENDING LETTERS ETC. THIS COMPANY HAS SEVERAL MISSPELLINGS OF MY NAME SEVERAL SOCIALS AND MULTIPLE NAMES THAT DO NOT BELONG TO ME.I AM UNABLE TO OBTAIN ANYTHING IN MY NAME OR ASSIOCIATED WITH MY NAME DUE TO THESE INACCURATE INFORMATION
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX because my credit score dropped XXXX points since XX/XX/XXXX. I was told there's nothing they can do. 

Other rational : 18 Hard inquiries ( Trying purchase a new car, so the dealership shop my credit without my permission. All inquiries was completed within 45 days Department/XXXX is reporting delinquency XX/XX/XXXX to XX/XX/XXXX. My student loan was going thru the process of consolidate to one loan. Consolidate to one account and paid XX/XX/XXXX. 

XXXX XXXX was with any miss payment, however they was late due loss employment from XX/XX/XXXX - XX/XX/XXXX Hired XXXX XXXX, however after a year or so it was becoming financial strain no results despite errors, multiple mailing and escalating letter
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries on my credit report I will like for you all to DELETE. These are inquires that I have no knowledge of. You can reference the case # XXXX for an identity theft report. According to FRCA section 605b a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Student loan

My XXXX XXXX loans were sold to Navient ( XXXX # XXXX, and XXXX ) where I was misinformed about the terms of my loans being in deferment and forbearance while attending XXXX XXXX. The school lost accreditation and XXXX sold the school. I have been given no assistance in how to attain student loan forgiveness and my loan has been sold to Advantage with no consideration of the forgiveness or accurate calculations based on Navient 's bad practices and fee 's. 

I am formally requesting that my loans be reviewed and XXXX, based on the Navient claims regarding the fee 's of forbearance/deferment and interest incurred during my education process. I was misled about income based repayment plans being offered. I am still unable obtain employment until I pass the license exam ( EPPP ) in the State of California. I am unable to payback these loans as I am unable to acquire gainful employment without a license. 

I was charged late fee 's and accrued interest on these loans which have been sold to another servicer. This continual manipulation and misinformation has cause a debt which I could not make payment towards in order to receive debt forgiveness. These loans are over XXXX XXXX XXXX. Navient 's practices and conduct has caused me significant financial hardship, mental distress and anguish. I am asking for a full discharge of my loans based on the fraudulent practices of Navient 's behavior.
Product: Debt collection

My husband has an automobile financed through Ally Financial in Fliorida.He has missed ( XXXX ) payment! I work at a hospital and they continue to call my job every week after I have asked them mumerous times to not contact me at my employment and even identify themselves as Ally financial to my co wrokers who answer the phone. They have to go through a switch board to have me paged to come to the phone.We are not allowed to recieve personal phone calls through the company phone unless it is an emergency. This is becoming a problem since I am pulled away from seeing patients and doing my job to come to the phone and could cost me my job
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

As stated in my original letter, the address listed below are not associated with my residence history and must be removed : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, FL, XXXX To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX  XXXX, New York XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$320.00} XXXX XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$2600.00}
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. Regardless of the multiple written requests, the unverified account listed below was still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the account completely from my XXXX XXXX : XXXX XXXX XXXX : {$0.00}