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

Unfortinately due to divorce jobless XXXX but now back on feet. i became behind on loan with XXXX XXXX XXXX for {$35000.00} which i have had since XXXX. 15 years and nowhere near able to pay off a predatory loan. So during the time i was getting back on my feet i was notified that my loan had been transfered to collections to Real time resolutions. i started contacting them. The big problem has been a continuious issue with credit reporting between XXXX  and RTR due to they are linked companies. I have kept a good payment record with RTR but the problem was XXXX would be reporting wrong if i disputed my credit accounts 2017-present. XXXX is a closed account but when it was disputed all the sudden the account had a {$35000.00} balance on a closed account. this was dropping my credit score down to 500 's .After several months of fighting between XXXX and credit bureaus i got that issue fixed. for the moment! 
Now to my big issue. XXXX is reporting late payments to date on their closed account with me. This was transfered to XXXX in XX/XX/XXXX. how is this possible?? XXXX credit report shows on time payments. i have fought this abt from beginning of XXXX. i was calling back and forth between XXXX and credit bureau 's and three way. no progress in fixing situation. Even with faxed letter from XXXX  with filed dispute and XXXX own investigation with XXXX  investigation without change! six months of dropping credit scores. This kept me from refinacing several times last time with XXXX XXXX. i find keeping credit scores down is purposefully done to keep the preditory loan inplace to make nothing but interest and loan that can never be paid off.
Product: Bank account or service

I bank with Bank of America using the paybill service. The checks were due for pay on the XXXX of each month. The bank took the moneys early and charged me overdraft fees on the XXXX of the month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written, nor verbal. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. After sending in multiple disputes experian is refusing to verify or remove these inquiries ( below ). 

1. XXXX XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX  XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX XXXX Balance : {$1200.00} ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$670.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXXXXXX  Reference # : XXXX
Product: Mortgage

Our mortgage was sold to PHH mortgage services. We wanted to reduce our monthly payment by removing our home owners insurance from escrow. I fought with them for months because they said it was not possible. After multiple calls and several mail correspondence, they finally took my insurance off the escrow. But then my payment went up nearly {$100.00} a month. They claim it's because my property taxes went up. I checked with the city and they said they may go up {$44.00}, not hundreds of dollars. Everything is a struggle with them. And I'm pretty sure they are ripping me off.
Product: Credit reporting or other personal consumer reports

I want reported/disputed accounts removed ( Student Loan -personal acct @ $ XXXX {$23000.00} was included in a 2019 bankruptcyit was removed and then put back on ). Also, for current student loans, the amount owed is incorrect, payments and interest not adjusted for those paid as part of loan forgiveness and the loans have changed companies multiple times. 

There are closed/charged off ( company received insurance payments and illegally sold accounts to another company and that company does not have my signature agreeing to pay them ) & discharged bankruptcy accounts that are still listed ( mortgage companies, credit card companiesXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many other credit card and other accounts listed on dispute when submitted ( they should have the record )
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX continue to lie on my report, leave out accounts and important information and they are guilty of damaging my financial well being and all guilty parties should be arrested and incarcerated! How am I supposed to obtain credit when the credit reporting agencies lie and cause me to be rejected? Can I file charges? Can I refuse to let them monitor my credit? After all they 're criminals! XXXX is the most accurate of the XXXX they at least list all my accounts and have the correct percentage of my credit used and my total credit amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to company/Equifax on XX/XX/2023 listing the incorrect information stating the address are incorrect and I want them deleted
Product: Money transfer, virtual currency, or money service

ON XX/XX/2024 I RECEIVED A REQUEST FROM SOMEONE I DO NOT KNOW FROM THE CHIME APP. IT SAID HIT THIS LINK TO ACCEPT OR DECLINE THIS REQUEST AND THEN MY DIRECT DEPOISIT FROM MY JOB WAS TAKEN XXXX DOLARS. WHICH LEFT ME WITH XXXX DOLLARS. CHIME STATED MY HISTORY SHOWED I SENT MONEY TO THIS PERSON BEFORE WHICH IS NOT TRUE THE NAME DOES NOT BELONG IN MY CONTACTCS AND I DONT EVEN DONT KNOW THIS PERSON.YOUR HELP WOULD BE GRATELEY HELPFULL IT WAS A VERY ROUGH DAY WITH THIS EXP. I WAS GREIVING TH XXXX DEATH OF MY BROTHER WHO PASSED AWAY AND IT WAS HIS BIRTHDAY. THANK YOU SO MUCH FOR YOUR HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX do not want to delete my student loans that were rehab originally I have 6 student loan that went into default but I rehab those loans but the original creditor XXXX reopened 6 more student loans basically converted 6 students loans in 12 student loans when they should be 6 ..I need the 6 that are closed to be delete because they are the same as the open loans. In XX/XX/2019 I made a depute but no results..
Product: Debt collection

Jeffersons Capital is reporting inaccurate information. This information is based off previous information that they have reported. I am requesting that they delete and remove said record due to inaccurate reporting. Per credit guidelines a debt collector must report accurate information. Jefferson capital has violated that order. 

On XX/XX/XXXX the collection dropped off. However, as my records indicate Jefferson Capital went back and added debt onto my account as of XX/XX/XXXX. 

That is in accurate as there previous records has never indicated an account as of XX/XX/XXXX and the account had dropped off. 

I am requesting this account be deleted & removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX allowed XXXX University to use my taxes and put me on a loan that I never agreed to or signed for. I provided my taxes so my daughter would be better able to receive the aid she needed for her college. I never signed or agreed to be a cosigner. They filled out a loan and stole my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received multiple inquiries on my credit profiles. From unknown sourcesXXXX  equifax, XXXX in the past. I was victim of my identity and personal information being exposed. Only hard inquiries should be on my report is XXXX. XXXX XXXX on XXXX, and XXXX XXXX. On my XXXX profile. I since placed security freeze on my profiles. Attached to this complaint is police report, and fedral trade identity theft report number.. Equifax is knowingly reporting over XXXX fraudulent hard inquiries. Address that dont match my id. equifax is also still blocking me from see my credit report after I purchased the monitoring subscription through equifax website.
Product: Credit reporting or other personal consumer reports

Two closed accounts seem to reappear on credit report.
Product: Debt collection

A company called Credit Management keeps calling me and asking me for personal information. They will not tell me why they are calling and won't provide any other information. I have refused to provide my personal information as I know nothing about this company and have never done business with them. They say I have an account with them. It appears they are a debt collection agency. I have zero debts outstanding and never have thus I know for a fact there is absolutely no way I have an account with them.
Product: Checking or savings account

My brother-in-law had a savings account with Kabbage, which was bought out by American Express apparently. He passed away last year without a will and I am administrator of his estate. After contacting Amex and being told what documents are needed to close the account, and given the po box to send the documents, I sent everything via certified mail twice - the first time the documents were delivered on XX/XX/XXXX, and most recently they were delivered on XX/XX/XXXX- I have a certified receipt for both deliveries, and paid to get a signature the last time. I have tried calling Amex and Corporate and have been on hold several hours and transferred around, and twice after being sent to a supervisor was hung up on. No resolution, and no help. I feel that they are trying to avoid closing out the account and paying the money owed to his estate.
Product: Credit reporting, credit repair services, 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  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or 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: Checking or savings account

Good Morning! 
The reason why I'm sending this complaint is that my bank has just closed my bank account and I will not have access to it. The reason for this was a few weeks ago I was a Victim of a scam, a person told me he was gon na pay me {$2500.00} if he could use one of my posts on XXXX to make a painting/Mural, I said that to was fine because the account looked very legit, he sent me two checks one for {$500.00} and another one for {$1000.00} I deposited to my account and the next day the money was on my account, he then started threatening me telling me to send money to this person or else my account was gon na be on negative, because I was extremely scared I sent the money to two people he told me to send it to, after that he sent me another check fro XXXX dollars and told me to deposit it, once he told me that I didn't want to deposti it so I said no because I realize he was a scammer, so then he deleted the check from my bank account and then my account turn to negative and he told me if I want to get my money back I needed to deposit that check, so I did deposit it than the bank emailed me saying that those checks were false, so I block the person number and I tried to make some claims to the bank but since the transitions were complete they couldn't give my money back, after that a week later they sent me a letter saying they are closing my account because of the false checks, and I am really worry because 1- i lost all my money, 2- i have a lot of bills i have to pay and i tried to deposit money to my account so it wont be on negative but i couldn't because i do not have access to my account and all i want is to recover my account so i could be able to pay for my bills and i do not have any financial problems in the future. i ended up losing {$1900.00} dollars which were what i was gon na use to pay for my college books and tuition, but I was the victim of scammed and i lost everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a balance due of {$9000.00} owed to XXXX XXXX. There is no balance due. I have even gotten a letter from XXXX XXXX stating no balance is due. The loan was a lease through XXXX XXXX The car was totaled by a driver who hit me in the real. My GAP insurance covered all the outstanding balances that the insurance did not cover. XXXX  and XXXX have reported on my credit the balance due is XXXX. Paid as agreed. Despite sending that information to Experian they have not hanged how they are reporting this. Its causing a big problem with my attempts to refinance my home. I need some help
Product: Student loan

The Family Educational Rights and Privacy Act, FERPA, protects the confidentiality of records. This breach of confidentiality by the " Department of Government Efficiency '' is a violation of FERPA and the lenders responsibility to safeguard my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX {$530.00} XXXX XXXX {$2600.00} XXXX   XXXX {$460.00} XXXX XXXX XXXX XXXX {$520.00} XXXX  XXXX {$17000.00}
Product: Credit reporting or other personal consumer reports

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this
Product: Credit card

i have opened credit line with BOA since XXXX/XXXX/15 ... i told them my only income is SS. i requested to have the payment pulled on the XXXX of sach month when i receivsd the benefits. today i studied the statement and found out i have been paying late a d thou charged XXXX dollars each time. 
i found it is unfair. i was not instructed that paYment would be always late. i requested by pho e to have these charges waived. it is not possible i was told. please help me. for i have also been harmed on my credkt report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX XXXX XXXX  XXXXXXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

Selene Finance failed to make my insuracne payment despite monies for insurance payments being made into escrow account. Upon renewal day for my insurace I recieved a call from insurance company that my policy was being canceled. I had to pay {$10000.00} on the spot to aviod cancelation. There is currently over {$16000.00} in my esrow account with my taxes due in XXXX being around {$7000.00} XX/XX/22 - spend 4 hours on the phone with Selene only to be told nothing could be done XXXX - spend 3 hours on phone with Selene to be told that in fact I was corrent, insurane was actually escrowed XX/XX/22 - recieve voice mail from selene stating " information has been updated and we will make your payment for you next year '' XX/XX/22 - Call Selene to ask about getting refund for extra escrow money being held. Unable to get anyone helpful on the phone
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Unverifiable no data information CXXXX XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Credit reporting or other personal consumer reports

Hard inquiries that I do not recognize and that were unauthorized
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding an inaccurate account on my credit report that was still reported despite my previous request and kindly request your assistance in getting it corrected. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I have never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. This account should be corrected : XXXX XXXXXXXX XXXX Balance Owed : {$1100.00}.
Product: Debt collection

On XX/XX/XXXX, I sent a debt validation request to XXXX XXXX XXXX and Resurgent Capital Services via certified mail, requesting full verification of the alleged debt, including an itemized statement, proof of balance accuracy, and verification that XXXX has the legal right to collect. 

Despite my request, XXXX failed to provide a proper response within the required XXXX timeframe. Instead, on XX/XX/XXXX, they mailed a response containing only a generic letter dated XX/XX/XXXX, which does not include any of the requested documentation proving the validity of the debt. They also failed to provide proof that they responded to my previous dispute in XXXX, which I submitted via fax. 

Additionally, when I attempted to contact XXXX to discuss the account, they refused to provide details, claiming there is a cease-and-desist order on the account, despite my repeated requests for validation. They also stated that the legal process continues, even though they failed to validate the debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 

This account is inaccurate and unverified, and XXXX is attempting to collect a potentially invalid debt without proper documentation. I request that this debt be removed from my credit report immediately due to lack of validation and failure to respond to my previous dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's a late payment showing on my personal credit report from XXXXXXXX XXXX, but I have never 30 days or more past due on this account. 

I've attempted to work with XXXX in the correction ( s ) and haven't made any progress.
Product: Credit reporting or other personal consumer reports

Dear Experian, Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. I have disputed this account in the past several times, the result comes back verified every time and I sent other letters after they sent the result saying it was verified and I requested of them to send information concerning Its my understanding that the credit bureaus have investigated this account and it keep coming back as verified. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I'm demanding the deletion of the following account. 
XXXX : XXXX According to The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer. The FCRA emphasizes the confidentiality, accuracy, relevancy, and proper utilization of consumer information include : Consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of consumer reports. Ive listed below some inaccuracy that I found with this account -The date opened is different from XXXX XXXX a violation because all three are not consistent -The number of months is different from Equifax- It's a violation because all three are not consistent `An account that has a payment status of collection/chargeoff should not have a past due amount-its a violation -The last reported date is different from XXXX and XXXX- It's a violation because all three are not consistent XXXX comments sections are commenting different comments, and they are not in consistent- It's a violation because all three are not consistent -The 'date last active ' is different from XXXX and XXXX 's a violation because all three are not consistent The 'date of last XXXX payment XXXX different from XXXX 's a violation because all three are not consistent -As far as the payment history is concerned, XXXX in violation based on XX/XX/year>, XX/XX/year>, XXXX XXXX This account was charged off on the XX/XX/year>. Since the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge-off account should never include an active payment history. This inaccurate information falsely manipulates the statute of limitations. Given that the payment history information originates from your reporting, it is my understanding that this information should be consistent across all three credit bureaus. 
Please see attachment for proof
Product: Debt collection

I have medical insurance. I am cover by my personal medical insurance and ex-husbands military insurance. I do no owe this debt. Have never seen this bill.