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

XX/XX/2022, I was placed on review from my job, because of how items were reporting on my credit report, I reached out to the 3 credit bureaus. XXXX, XXXX and TransUnion to inform them about them about the lack of accuracy, completeness and verifiable nature on my credit report. In XXXX they told me to send a copy of my social, proof of address and identification, I did as they request and nothing was done. I made complaints and they stated everything was verified, because of their lack of corporation I was fired today from my place of employment, last month XX/XX/2022, I was placed on leave without pay because this was not rectified. My credit score has dropped from XXXX across all 3 bureaus to the XXXX 's. I have fallen behind on bills and is having a hard time paying my mortgage. The FCRA states that the 3 bureaus are suppose to report Accurate information I have proof to show that they are not reporting accurate, I have multiple spellings of my name and 3 different address, I have account that are different on all 3 bureaus. I accounts showing with account numbers that are not mine different remarks and balances. Also when I ask about how they verified the information, I never get an answer. The leave of absence was already a burden not the loss of employment before the XXXX holidays have effected my family tremendously. I have migraines, thinking about where my next meal might come from, if I'm going to lose my house, my wife has threaten to leave me and I have to clue how to explain the difficulties of not having a XXXX to my XXXX year old. I also attached the green return receipt from the correspondence I mailed to the bureaus also a copy of the proof of ID, proof of address and SS card all marked out.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Disbursement to school {$3100.00} Total Current Balance : {$4700.00} Numerous attempts to seek forgiveness and discharge Attended school for 3 weeks but have to remove myself from the curriculum due to family emergency. 
Went through proper procedure to exit out and approved to do so I have never received a check nor put my signature on one!! 
Never received a check for remaining balance nor cashed a check School kept the money School total disregard to return remaining funds for 1 quarter Had me believe that I would not owe anything because I did a proper exit out due to reasoning. 
Has negativity been affecting my credit since XXXX There only options are : School Closure Discharge Loan discharge due to school closure Total and Permanent Disability Discharge Loan discharge due to a disability Public Service Forgiveness see below for more details Teacher  Loan Forgiveness see below for more details And more : Loan Discharge Loan Discharge Application : School Closure Loan Discharge Application : Unpaid Refund Loan Discharge Application : False Certification ( Ability to Benefit ) Loan Discharge Application : False Certification ( Disqualifying Status ) Loan Discharge Application : False Certification ( Unauthorized Signature/Payment ) Bankruptcy : Ch XXXX - First Meeting of Creditors Letter XXXX I filed for bankruptcy in XXXX and it discharged in XXXX Ch XXXX - First Meeting of Creditors Letter *******AND XXXX!!!! XXXX XXXX, one of the nations largest student loan servicers, has settled a student loan forgiveness lawsuit.
Product: Checking or savings account

I have been dealing with a fraudulent account situation which began on XX/XX/2019 for two full weeks as of today XX/XX/2019. I was alerted by the establishment after the account was negative. I responded to the alert via the telephone bank representative. After conversing with the representative I visited the local branch. The representative of the local branch informed me that the account was placed into a negative status because of three checks that were fraudulently deposited. I placed a claim and it was denied. The investigation concluded that is was valid do to the use of my pin and card. I went a step higher and spoke with the representative at the executive office. Upon their investigation the conclusion was deemed as valid also. I expressed to the local branch as well as the executive branch the thief has no regard for integrity. He or she does care that there is microchip for the purpose of identification nor my pin has been hacked by following the pattern. I have contacted the Federal Trade Commission also currently awaiting a response. All other precautions have been taken ranging from freezing my credit reports to contacting the Consumer Finance Department.I am seeking all avenues to get this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you in regards to the results of a recent dispute I submitted to XXXX. Ive made two attempts to them, offering all of the proper documentation, following the correct process in order to have a negative and unfair listing against my credit to be removed. Ive reached out to them to understand their hesitation and can not gain an understanding nor the results needed. A representative of XXXX informed me the decision to leave this on my report is in the hands of Homebridge. Ive talked with Homebridge representatives on several occasions and they insist they have nothing in their files to initiate any derogatory remarks regarding this transaction or my relationship with them as a previous customer. The simplest form of proof that I have is XXXX nor XXXX has not reported anything like this. 
In the meantime, this negative mark against my credit is causing other creditors, in which I have worked very hard to build relationships with, to suddenly cut my credit limits, some even cancelling my accounts entirely ( since a negative mortgage remark holds a lot of value ). I have lost {$6500.00} in credit limits as a direct effect of this remark from XXXX since most of my credit cards are held by XXXX XXXX who relies heavily on XXXX for accurate reporting. 
This began in XX/XX/2020 with completion of a refinance on my home loan in order to lower the interest rate on my home loan. The closing was completed XX/XX/2020. Apparently there was a shortage in the payoff from the title company to Homebridge Mortgage in the amount of {$4900.00}. I was then reported 30-days late for XX/XX/2020. XXXX XXXX XXXX was the title company in which this human error occurred. They promptly corrected the error, Homebridge closed the loan XX/XX/2020 and offered a no fault letter to me to ensure this error would not reflect on my credit reports. 
I did not have an account with Homebridge in XX/XX/2020, therefore, impossible to report this month as a 30-day late payment.

Homebridge recd a payment of {$200000.00} toward the payoff amount of $ XXXXthis amount clearly would cover the 3 day delay for XXXX mortgage payment of {$1500.00} ; regardless of the human error that occurred. 

I am pleading with you to review the supporting documentation and review this in its entirety to consider the possibility of not penalizing me for an error that was beyond my control. Please let me know if you need anything further from me.
Product: Credit card

I never requested credit protection. The company has been taking it out seemingly for XXXX years. I asked the company to stop but they continue to charge me a {$5.00} a month. The interest has increased rate from XXXX to XXXX. I accept the credit at XXXX. The company refused to change the rate. Increased maintenance fee rate from XXXX to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an hard inquiry from Chase bank without my permission. I asked Chase Bank to increase the credit limit of my credit card and applied for another credit card at the same day on XX/XX/2019. They approved the limit increase but declined the credit card application. I applied for reconsideration on XX/XX/2019, and they pulled the credit report again, without letting me know at all. I called them later to remove the hard inquiry, but they refused to do so.
Product: Checking or savings account

The problem is I will receiving my transactions my money transactions and the banker thought it was fraud he froze my account started investigation and I couldn't receive my money or pull my money out my name is XXXX XXXX my social security number is XXXX the bank name is Comerica Bank and it was in XXXX and XXXX they closed my account froze my account and they threatened to call the FBI and put me out I really need some help cuz I feel like they still have my money in the bank and not doing nothing about it
Product: Debt collection

I sent a debt validation letter to Transworld Systems in XXXX. I haven't received a response from the company to provide validation of debt to date. However, they continue to report this debt on my credit report without providing proof of a signed contract. Please have this collection removed from my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX, I wrote the XXXX credit reporting agencies regarding unauthorized inquiries. They have not sent me information as requested regarding validation of said accounts that obtained a copay of my credit report. I have attached a color coded copy of my credit report inquiry section highlighting the unauthorized inquiries. On the dates of the unauthorized inquiries, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX, I only authorized XXXX XXXX and XXXX XXXX access to my credit report, as those are the ones I have an account with. Anything outside of that I did not give consent for. 

I also previously disputed late payments for XXXX XXXX, they are reporting all payments on time to XXXX, but still showing a XXXX  XXXX  late status. Please correct. A highlighted copy of my credit report is attached for this item. 

In addition to XXXX, I also disputed an incorrect late payment with XXXX XXXX. As you can see, they are not consistently reporting the month of the alleged late payment. On XXXX and Experian, they are saying the late payment was XXXX. On XXXX, they said it was in XXXX. This is inconsistent and inaccurate. As you can also see, they are not showing this account has been disputed, this shows they have not accurately investigated this account even with the submission via the CFPB portal. I demand these be deleted due to CONSTANT negligence. I will submit a FTC report if this is not corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 8 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXX since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple issues with the credit reporting agency, I have been in a XXXX XXXX  BK petition starting XX/XX/XXXX, through XX/XX/XXXX. Experian and XXXX XXXX has reported a charge-off during a bankruptcy when the creditor was paid as agreed and through bankruptcy. I have also written numerous disputes to Experian to remove an address I have never resided in and they have not cooperated in removing the unknown address.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Consumer Credit Protection Act, Public Law 90-321 ; 82 Stat. 146 ; 15 U.S.C. 1601 et seq.

As you are aware, the Consumer Credit Protection Act provides consumers with certain rights regarding the accuracy and fairness of their credit reports. One of these rights is the ability to dispute inaccurate information on their credit reports, and to have that information corrected or removed. 

XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

TRYING TO REMOVE INQUIRY. FROM XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX WHICH WAS DONE XXXX/XXXX/16 WITHOUT MY PERMISSION.
Product: Money transfer, virtual currency, or money service

Zelle has failed to investigate my claims adequately, they informed me that recovering lost funds and tracking them was impossible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery Collection agency has recently placed a negative account on all 3 of my credit reports with XXXX, XXXX, and XXXX on XX/XX/XXXX. I do not have a contract with this agency, nor am I responsible for this  debt. The company has not validated this debt, they have only sent an itemized bill without my signature on it. The account number is : XXXX in the amount of {$230.00}. The original creditor is XXXX. In XX/XX/XXXX, this debt was showing on my credit with XXXX XXXX XXXX, which in turn sold this account to ERC or Enhanced Recovery Collection agency. Once I disputed this debt and negative account with XXXX in XX/XX/XXXX, XXXX XXXX immediately took this debt off of my credit report and did not want anything to do with me disputing this inaccurate information. On XX/XX/XXXX I was told by XXXX that this would be deleted off of my credit and that they had sent letters to all 3 Bureaus. The debt was taken off of my credit. Now, fast forward to XX/XX/XXXX, this same debt re-appears on my credit without my knowledge, and with a different collection agency called ERC. This is unfair debt collection practices. I want this inaccurate, no contract, not liable, negative debt and account removed from all 3 credit bureaus.
Product: Vehicle loan or lease

Our first call was on XX/XX/XXXX. They claimed not to receive the check. After following up with our insurance company we called back on XXXX. They claimed the account # wasn't on the check ( which it was ). They then said it'd take 10 days to process. We followed up on XX/XX/XXXX and got the same response. We followed up with them on XX/XX/XXXX and they said XXXX days it'd be processed. As of XX/XX/XXXX the payment still hasn't been processed.
Product: Mortgage

Unfortunate, I'd submitted my mortgage payment for XXXX late due to an unforeseen circumstance ( gas leak repairs made on XX/XX/XXXX ) on XX/XX/XXXX to Kentucky Housing Corporation via XXXX XXXX shipping for account # XXXX and XXXX. According the the tracking # XXXX, my payment was delivered on XX/XX/XXXX and was picked up by an individual at XXXX. XXXX XXXX of XXXX on XX/XX/XXXX @ XXXX regarding payment processing and provided tracking number in addition to providing explanation of my late payment. XXXX stated that XXXX had not received the payment. According to the XXXX tracking tool, payment was delivered and picked up by XXXX on XX/XX/XXXX @ XXXX. On XX/XX/XXXX @ XXXX s/w XXXX regarding the missing mortgage payment. XXXX stated she did not see the payment. I explained to XXXX the payment was delivered on XX/XX/XXXX @ XXXX before the XXXX XX/XX/XXXX deadline. XXXX ended the call with stating she would post the payment and to check the portal within a few hours. On XX/XX/XXXX evening, I checked the portal for the missing payment in which the payment reflect of being received on XX/XX/XXXX opposed to reflecting the date of XX/XX/XXXX. On XX/XX/XXXX, I'd received a letter from XXXX stating my mortgage was in default due receiving payment after XX/XX/XXXX. When I contacted XXXX in regards, I was told there was nothing they could do. I feel it was unfair to have being sent a letter stating my mortgage is in default when the payments were sent and received before the final deadline which is stated within an email sent via XXXX on XX/XX/XXXX stating : Your mortgage payment for this month has not been received by Kentucky Housing Corporation ( XXXX ). To avoid defaulting on your mortgage, make your payment immediately. All payments must be received immediately to avoid defaulting on your Mortgage loan. The latest payment will be accepted is XX/XX/XXXX BEFORE XXXX P.M. On XX/XX/XXXX @ XXXX, I received another email stating the same statement. Copies of emails and letter can be provided. In addition to the miscommunication and handling of payments, I've been struggling since XX/XX/XXXX with paying the revised mortgage amount. Without receiving proper notice in the mail stating my mortgage payment would change from {$900.00} to {$1000.00} made it difficult for me to adjust and make my payments on time. I've called XXXX in regards in which they did not provide suitable means for assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th XXXX 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX : {$940.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

The balance on my account with Barlcays shows XXXX with a minimum payment due today, XX/XX/XXXX, in the amount of {$20.00}. A credit shows posted on or around XX/XX/XXXX in the amount of {$27.00}, which brings the account to this credit balance with payment still due as attached screen shot shows. Prior to this, I paid off the balance less the amount of {$15.00} which represents a NSF fee in dispute, unable to resolve it directly for several reasons ... First, the rep replying on end of Barclays is unreasonable, refuses to work out the amount despite explained the amount is questionable due to circumstances surrounding a returned payment on XX/XX/XXXX, the amount of {$50.00}. Second, the rep does not accept or return calls, three messages were left, none returned.. I attempted to clarify the amount due and balance, was unable to reach anyone in customer service. I need to know if balance is correct, if so, is payment due. The information shown does not make sense, a credit balance with payment due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$6400.00} on the XXXX XXXXXXXX XXXX Partial account number XXXX as well as a collection/chargeoff in the amount of {$2800.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts are 7 years old. The original line items were removed from 2 of 3 bureaus due to 7 years of age and are reporting again. This false reporting is seriously harming my credit score and these line items need to be removed. This is a clear violation of the of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to remove these however, I have not been successful.
Product: Mortgage

Hello, Near the end of 2011, I fell behind on my mortgage payments because I separated from my husband and finances changed drastically. I immediately applied for a loan modification. I followed through, faxed the application and all necessary documents to One West. Kept in touch with them to make sure they had received them. But every time, there was something missing, or they did n't receive my documents, or the documents had expired because so much time had passed since the first time I had sent the first documents. I felt they were playing me because I knew they had received them. They waited for all that time to go to then tell me, my documents had expired. I have read many similar stories from other homeowners and this bank. I did everything they asked me to and they still took my home, our home. My children and I were devastated whenever they would post our door and finally when they took it from us. This bank had no intention in giving me a modification. We had more than enough time to get it done before the sheriff sale. Finally, just two weeks before the sale, they told me I qualified for the modification but it was too late because the sale date was too close. I could n't believe what I was hearing. This bank has to be punished for what they have been doing to homeowners. It is not like I ignored their phone calls or abandoned my home. I need to help and want to be compensated for my loss. They wanted to take my home because the way they would gain nothing by letting me keep. On the contrary, they would get paid from the FDIC because of the deal they had struck with them. 
The address of the house the took from me is XXXX XXXX XXXX, XXXX, PA XXXX. 
BorrowersXXXX XXXX XXXX XXXX and XXXX XXXX. 
I would appreciate if this agency does something those heartless people who only care about their pockets. I had no money to go to an attorney, otherwise, I would 've fought them till the end. 

Yours truly, XXXX XXXX