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

Experian, XXXX, and XXXX agencies has been advised by my disputing Inaccurate information on my credit report Bankruptcy Chapter XXXX XXXX TN XXXX XXXX. File dates, XX/XX/XXXX dismissed XXXX, File date XX/XX/XXXX dismissed XXXX. I have submitted documentation from the US Bankruptcy Court in XXXX, TN stating that they do not report to ANY CREDIT REPORTING AGENCIES OR THIRD PARTIES. PLEASE DELETE. Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third party source such as XXXX or XXXX  XXXX.ALL 3 Credit Agencies have not removed this information nor provided me a Method of Verification. I have disputed the Bankruptcy inaccuracy 's in XXXX, XXXX, and XX/XX/XXXX. And it is remains on my credit report as of XX/XX/XXXX. Experian has two accounts the same XXXX  XXXX   XXXX  Account Number XXXX, Date Opened XX/XX/XXXX, StatusChapter XXXX Bankruptcy Dismissed.Status Updated XX/XX/XXXX, Original Balance {$430.00} Account Name XXXX  XXXX  XXXX Account Number XXXX, Date Opened XX/XX/XXXX, Status Paid, Closed/Never late. XXXX XXXX XX/XX/XXXX XXXX XXXX, {$430.00} Chapter XXXX bankruptcy dismissed Two different date opened dates, no information that has my dob, ssn, or original signature documentation. These items I have disputed since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Colonial finance has misreported information on my credit report.
Product: Credit card

I contacted Acima about my debit card being stolen and I had to get a new one. They kept trying to charge that card multiple times between that time and the time I got a new one. I went online to check my payoff amount the day after I called them and it showed my payoff amount was {$530.00} with taxes and all. I went on there again today XX/XX/year> and it is over XXXX dollars and something with taxes to pay it off by XX/XX/XXXX. They charge XXXX  amounts of taxes and then when you try to pay off your product they charge you around {$50.00} to do so. I did not realize if I didn't pay it off a 90 days that it's {$1800.00} for stuff that didn't even cost but around XXXX total. I have always paid my stuff off so I never had to worry about it but they've added all these fees on top of everything and then won't explain to me why they done it. The rep I spoke to said he thinks it's because of failed payment attempts even though I told them do not try to charge that card because someone had stolen it and it was canceled. They tried to charge my card probably seven or eight times if not more. They wouldn't assist me in taking it off of the payment methods and there's no way to remove it. Getting through to them is hard and when you do get through to them they either hang up on you or don't know how to help you. When I first got my lease and I had talked to them they made it sound like a great deal until I went back and read the fine print and seeing that their rates are crazy and they charge entirely too much if you don't paid off in 90 days.
Product: Credit reporting or other personal consumer reports

Rental history is on my credit report. 15 USC 1681b.

I did not authorize anyone to do anything with information about me
Product: Student loan

I applied to XXXX in XXXX and provided necessary documentation in XXXX. I have not heard back about my application, so in XXXX I called Nelnet. I waited XXXX hours to speak to a representative and they said they are " processing '' my application. Nelnet told me they were " processing '' my applciation a week prior as well and it's been well over a month that it has been " processing ''. 

The representative also let me know my account is in forbearance and I would not have to make a payment in XXXX but that is not reflected in my account and an auto payment was made in XXXX. 

I don't believe it should take 3 months to " process '' an application, I should have a response by now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sunday XX/XX/XXXX From XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX, CA XXXX To TransUnion XXXXXXXX XXXX XXXXXXXX XXXX, PA XXXX Attn : XXXX XXXX XXXX, President & CEO Via Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX after XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans Union LLC, XXXX  Information Solutions , Inc., and XXXX  Information Services, LLC, Case No. XXXX, filed on XX/XX/XXXX, TransUnion continues to willfully harm me by ( a ) Willfully deleting XXXX XXXX XXXX XXXX XXXX XXXX in good standing ; ( b ) Willfully using a variant of social security number as my phone number ; and ( c ) Willfully misreporting payment information on at least one XXXX  Student loan account see XX/XX/XXXX credit report provided by TransUnion These willful violations by TransUnion caused my XXXX  credit score to drop significantly in comparison with other XXXX  score thus caused significant financial harm in buying a new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   tr  ansferred the loan to  XXXX   XXXX  when it was in consolidation and in forbearance.  XXXX  then worked with me putting them in Forbearance until they transferred the loans to  XXXX  where the loans are in good standing and in deferred status while I am pursuing a  XXXX   XXXX   XXXX  . All   XXXX   bureaus as showing the original s  XXXX    XXXX   XXXX   XXXX   ac  c ount as Closed.  XXXX  is reporting the same accounts as Closed with different account numbers and with delinquent payments.  XXXX  shows yet again different numbers but they are in good standing.  XXXX ,  XXXX , and Experian are all doing the same. I have requested that these be investigated for years and the response is always the same. That the information is correct upon their investigation.
Product: Payday loan, title loan, personal loan, or advance loan

This quest legal group is trying to say I owe money to a payday loan from 15 years ago or more and the suing me for XXXX loan I dont even know this place and more now I get another letter saying I can settle out of court I looked it up there address is a post office and they are trying to scam people and they have down to take my sons ex girlfriend to court as witnesses and she passed away 16 years ago and there saying there going to take my home away
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : XXXX XXXX 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

In XXXX of XXXX  a delinquent/late payment was reported to the credit bureaus. I had made a payment plan with OneMain Financial prior to that and had followed it accordingly. When they reported my payment late, I called and spoke to the general XXXX XXXX XXXX ( he was also the one who helped me set up the payment plan ). He admitted it was a mistake on their end and it should have never been reported. I asked him to resolve it and he was very flighty, it took me 4 times of asking him until he said he would need to submit something to the credit department but it would take a long time. I said that was fine. Since he kept complaining about it I asked for the credit departments contact information and he said they dont give it out to customers and only he can do it. After 2 months I reached out to XXXX because it was still on my credit report and he said oh I assumed they fixed it because I didnt hear anything and said nothing else can be done. So I filed a claim with each bureau explaining this and all were denied except XXXX. I resubmitted and they were still denied. OneMain said they couldnt do anything about it even though I reminded them they admitted it was their mistake. I asked for a Corporate phone number and they said they didnt have one. I then began working with a credit repair agency and they said this sounded shady, and have been working on removing this from my credit report at the other XXXX bureaus but they have been unsuccessful. So it is still on my credit report even though OneMain admitted it was their mistake. 
Aside from this major issue, XXXX has been EXTREMELY rude and insulting in every interaction I have ever had with him. They have also called over XXXX times in XXXX day for days on end. I have just paid off this entire loan so my account is closed with them but I am still not okay with their shady business practices.
Product: Debt collection

THIS DEBT WAS PAID THROUGH ANOTHER COLLECTION AGENCY BY THE NAME OF NATIONAL CREDIT ADJUSTER, AS I AM REVIEWING MY XXXX  CONSUMER CREDIT REPORT I NOTICE THAT THE SAME DEBT AND ACCOUNT NUMBER IS BEING SHOWN ON THIS REPORT COMPANY NAME IS LTD ACQUISITIONS, STATING THAT XXXX XXXX XXXX IS THE ORIGINAL CREDITOR, WHICH THIS DEBT HAS BEEN PAID AND I HAVE A LETTER FROM NATIONAL CREDIT ADJUSTERS, STATING THAT THEY ASK FOR THESE ACCOUNTS TO BE REMOVED FROM MY CREDIT REPORTS. THESE ACCOUNTS ARE DAMAGING MY CONSUMER CREDIT REPORT ALSO SO THAT ALL HAVE DIFFERENT DATES SHOWING ON ALL THREE REPORTING AGENCIES TO MANY DISCREPANCIES, INACCURACY. ACCOUNT # XXXX
Product: Credit card or prepaid card

My account was credited with membership rewards points from purchases across 4 American Express charge cards ( Platinum, PRG, Business Gold, and Green ), however, American won't let me use it. On XX/XX/XXXX, I tried using my MR points by transferring XXXX points to XXXX which is a partner airline. The transaction was not successful and the message I got is that I am under spending review. I started a chat session with customer service and they informed that I just need to call the MR points customer service department to authorize the transfer. The MR customer service department was closed and have to wait the following day to call. 

On XX/XX/XXXX, I called the customer service number ( XXXX ) and spoke to a manager ( XXXX with employee ID XXXX ). He informed that I am under spending review and he is not capable of escalating or fixing the problem. I asked him why would MR points be credited to my account and won't let me use it? I don't understand the logic, I said. He said he does not know. At that point I asked him to transfer me to someone that has the authority to fix the problem on my account. He informed me that there's no way for him to transfer me to the proper authorities. 

All the purchases on the credit cards are all valid and eligible under American Express terms and agreement. I planned on using my points that I earned for my upcoming vacation.
Product: Checking or savings account

From XX/XX/year> to XX/XX/year> there was a child support order that invovled my wages being garnished and the amount was approx. XXXX being garnished from my bank accnt. The funds were never paid to any institution from the garnishment, upon asking Navy Federal where are the funds, they can not provide me with proof of where the funds are or if they will be giving me back my stolen funds.
Product: Student loan

Navient processes my student loan. There is no option on the initial payment method online to make additional payment to principal. This is misleading to the consumer and creates a situation that takes advantage of the student who may have a low level of understanding of the process. In order to pay beyond the standard payment two separate payments must be made. This is not clear or instructed anywhere that I can find online
Product: Debt collection

I purchased furniture at XXXX XX/XX/2015 via XXXX XXXX mos. no interest if paid in full in 12 month 's. I rec 'd a letter in the mail on XXXX/XXXX/2015 from XXXX XXXX stating that the acct. was charged off and sold to XXXX XXXX XXXX. Company as a collector. I never once rec 'd any bills, phone calls, emails from XXXX 's or XXXX Bank prior to account being sold. When I rec 'd the letter, I called XXXX 's and XXXX, neither were willing to help me. 

I had absolutely flawless credit until this. I had no intentions of not paying. I was not given the opportunity to pay. I am very upset after 34 years of excellent credit to have this happen. I would like to see this issue resolved Fairly without damage to my credit.
Product: Debt collection

The Bureau collection item appeared on my XXXX XXXX credit report with no credit report. 
I have no knowledge of the account. 

XXXX responded they can not locate an account with the information provided, therefore they should remove from my XX/XX/XXXX Credit Report. I do not have another name. I submitted a dispute via XX/XX/XXXX again on XX/XX/2021. There is no account number on credit report.
Product: Credit reporting or other personal consumer reports

There are inquiries that I didnt authorize on my credit report. 

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

I filed an FTC report # XXXX and a dispute with Experian on XX/XX/XXXX  for the fraudulent address XXXX XXXX XXXX, XXXX, NJ XXXX due to fraud and provided a police report # XXXX. Experian deleted the address in XXXXXXXX of 2022. They then added the address back on my consumer report recently when I checked the account XXXX XXXXXXXX XXXX. I also asked them to delete the fraudulent account XXXX XXXX XXXX due to fraud. 


I also filed an FTC report # 's XXXX & XXXX and a dispute with XXXX on XXXX, for the fraudulent accounts XXXX XXXX XXXX, XXXX XXXX . due to fraud and provided a police report # XXXX. XXXX never deleted the accounts due to fraud. I also asked them to delete the fraudulent account XXXX XXXX XXXX due to fraud on XXXX XXXX, 2022 but no response yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got this account that does not belong to me and i want it to be remove from the 3 credit reporting agencies. 

1 Identity Theft REPUBLIC FINANCE Account Number : XXXX This is not mine.
Product: Debt collection

I sent MOUNTAIN AMERICA CREDIT UNION a usps money order with stipulations and provisions on the money order stating the following I accept your offer in the amount of {$700.00} for valuable consideration & tender this payment for the complete amount in accord & satisfaction upon redeeming this instrument. 

MACU accepted my money order through the mail according to postal rules, and is not recognizing the debt paid in full. As a fiduciary holding my property in the form of my signature they are not doing their trustee duties and stating I owe the debt still, which is extortion. I placed on the money order XXXX XXXX XXXX XXXX that states a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. 

( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 

And if MACU doesnt accept my payment the debt is paid in full according to UCC 3-603. 
By not following or recognizing my negotiable instrument with UNIVERSAL COMMERCIAL CODES ( MACU ) is partaking in fraudulent business practices.
Product: Debt collection

As of XX/XX/20, my debt owed to National Credit Systems was satisfied in full. I made the payment and have received a letter from the company stating that there is no longer any further obligation relating to this account, but it is still being reported to the credit bureaus. I have contacted the collection company and am now being asked to pay an additional amount to them so that they can stop reporting to the credit bureaus.
Product: Debt collection

I received a letter from a collection agency attempting to collect a debt on behalf of XXXX Bank in the amount of {$640.00}. I am disputing the collection attempt as the agency is not license in the state of Florida. Also per the XXXX XXXX XXXX XXXX XXXX XXXX search the company 's license status indicates 'Denied Tech ' ( See Attached )
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a veteran. I have fought for this country for my whole life just to come back and be treated like trash. My family and I have been struggling to find housing during this pandemic to find financing. My entire life I have been mindful of my finance obligations. According to 15 USC 1681 ( A ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and GENERAL REPUTATION OF CONSUMERS. You can review my credit report as evidence to see that my reputation in fact has been ruined. This section clearly says that a consumer 's credit report was established to identify a GENERAL REPUTATION OF CONSUMERS. Also, I stated before I was a victim of the Equifax Data Breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just started pulled my credit today to see what my score was to apply for a car loan. When i pulled my credit i noticed my credit score was very low ( which i expected because i was told that if you dont have much on your credit it would be low ) however there were a lot of closed charge off accounts i never applied to, inquiries for things ive never applied to, open accounts i never created. There were jobs listed ive never worked at, addresses ive never lived. I dont know how this couldve happened besides my birth certificate being misplaced sooooo many years back. Ive never given my personal information out so im not sure how this happened however i did not apply for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries from XXXX XXXX ( twice ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  are all fraudulent. i did not apply to any of these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILLED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT IT HAS BEEN WELL OVER 30 DAYS AND THEY ARENT HOLDING UP THE LAW, THEY ARE NOT RESPONDING TO ME. I HAVENT RECEIVED ANY RESULTS OF THE INVESTIGATION.
Product: Payday loan, title loan, personal loan, or advance loan

I continue to have issues with this company each month when it comes to making payments. They have the worst payment platform known to man. Each month I have to send them and email to advice a I can not make a payment and the option is blanked out. I am told every time to delete the app and reinstall. They have confirmed issues with their app and IOS which clearly remain unresolved. I was recently asked to send them my checking account info so they could add it back ti my account. They confirmed the checking acct and did two small deposits to confirm the checking was valid. I sent them confirmation of the deposits. I later tried confirming on the app the deposit amounts and received an error. I went them a screenshot and was notified they would be removing my checking acct. this is the second account they have removed. I was told again to uninstall the app and try to add my checking acct. I sent them proof that I could not do this. Their app would not allow and has the option blanked out. I continued to get the same emails. They have not resolved any issues. Theyve removed my checking acct twice now and reported me past due now twice. They also did not respond to the Ohio AG regarding these issues. They continue to collect fees and interest knowing their system does not work. This is a scam, this is fraud. They need to be held accountable. I have asked them to update my credit bureau reports for prior report due to their system issues and they have refused. They will have a class action lawsuit in a few years I am sure but I need this resolved now.
Product: Credit reporting, credit repair services, or other personal consumer reports

LendingPoint ruined my credit which has caused me great financial harm because they have refused to correct my credit report after they offered me a Loan Forgiveness of $ XXXX after I made a large payment and they reported it as a debt settlement and now they are reporting me as over 60 days late. I was unable to do a refinance on my own because my score plunged over 100 pts.
Product: Mortgage

I have been affected by Covid19 and I became delinquent on my mortgage. I have requested mortgage assistance several time to bring my mortgage current. The mortgage company is unwilling to work with me and my 2nd mortgage they have discussed a large downpayment of which I don't have. Received letter in XXXX stating the mortgage had ballooned and they wanted the balance owed of {$40000.00}. I have a 1st mortgage with another mortgage company on my home I am a XXXX, I've lost several family member to Covid-19 and I don't want to lose my house. I have not received a letter offering me terms for mortgage assistance from my 2nd mortgage
Product: Checking or savings account

Bank Of America Bank of America cancelled my checking account with no notice. No text, no email, no phone call and they had all mentioned on file. I was on vacation and it caused a GREAT deal of problems. I found out by trying to use my ATM card. When it was rejected I had over {$10000.00} in the account. I was told on the phone all funds were frozen, and they would not give me a reason for closing the account. 
This is NO WAY to treat a consumer and customer. I also intend to file a complaint with the XXXX XXXX XXXX.