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

XXXX XXXX XXXX Please produce the contract used to verify this account because I have none with them and the information you have is inaccurate. Please delete immediately! 

XXXX XXXX  XXXX The negative information reported is totally wrong. Please remove it from my file XXXX XXXX This is not verified. I contacted the furnisher as you told me to do and they have either refused to provide any documentation or they are unable to provide documentation proving the claim or the accuracy. This remains inaccurate, incomplete and not verified. You are REQUIRED to delete this immediately according to FCRA Sect. 611. Please ensure this account is removed within 5 days!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit reports and discovered 6 Fraudelunt accounts, on my credit reports.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I sent a dispute letter to TransUnion to dispute the 30 day late payment that is being reported on my TransUnion report, that is not accurate. TransUnion DID NOT investigate the account, they instead sent out a STALL letter to me stating that they had " received a request but it didn't appear to have come from me, that they believe a " credit clinic '' sent the dispute letter! I printed, wrote in my SS # and Date of Birth, attached copies of my identity and address verification- and signed and mailed it myself! They are only buying themselves time and this is against the FCRA, which requires TransUnion to do a TIMELY investigation! They need to remove the late payment being reported on the account because it is not accurate. XXXX XXXX Acct # XXXX. They failed to do a timely investigation.
Product: Debt collection

I have a collection account listed on my credit report twice by the name of " Jefferson Capital System ''  original creditor " XXXX ''. " Jefferson Capital System '' is n't licensed in the State of Texas and therefore I 'm disputing this collection account.
Product: Prepaid card

My name is XXXX XXXX. My SS is XXXX My address is XXXX XXXX XXXX XXXX XXXX, AL XXXX In XXXX I opened a secured credit card with Navy Federal Credit Union . I gave the preset amount and then paid according to the preset amount. Over the past year I have been charged beyond what I spend based on fees and interest. They made it incredibly difficult to even close the card. 

The final conversation to close the account was XX/XX/XXXX of XXXX. During the course of the conversation we managed to get some of the fee returned. But, I was informed there was no way of sending confirmation of the card being satisfied. This is very predatory on the part of NFCU and I have never heard of a financial institution not able to send any confirmation of a card being satisfied meaning no outstanding balance remaining.
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 demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a call on XX/XX/19 from a angry woman. This is HARASSMENT. 

I was never told orally or in writing I had the right to earn interest on my funds deposited. 

2 ) I had the right to withdraw any of my funds on deposit at anytime without penalty. 

3 ) The XXXX XXXX XXXX XXXX is not affiliated with them at all. 

This. Ocompany continues to call and harass me without providing me any of my requests for an account payment history and account audits.
Product: Credit card

We are lodging a complain against US Bank. My husband is an XXXX XXXX service member with the XXXX, XXXX. We opened our US Bank credit card in XXXX of XXXX. I, the spouse, am the primary card holder. As such, US bank is denying us SCRA benefits unless I provide a court order stating I am financially dependent on my spouse. When we obtained my husband 's credit report, US Bank shows on his report, proving that he is a guarantor on the card and not just an authorized user. 
In XXXX of XXXX, we received a letter asking for a court order stating I am financially dependent on my husband before they would give us SCRA benefits. In response, I sent in our XXXX tax statement proving that I earn no paycheck as I am a stay at home mother. They sent the same denial letter in XXXX of XXXX and we brought this to the attention of a military attorney, who wrote a letter on our behalf explaining that we are, indeed, entitled to SCRA benefits. At this time, we are awaiting response from US Bank.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX on an account that was in fact paid on time. The consumer reporting a agencies need to report all information with complete accuracy. This account was never I have attached a copy of my complaint on the following ( XX/XX/2017 and XX/XX/2017 ). I am now requesting you investigate this account and update these payments to paid on time immediately.Thank you for your prompt response
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is showing a series of late payments for my XXXX XXXX XXXX Account during COVID-19, 1st off, I was never late during these months, the credit report on XX/XX/2022 and XX/XX/2022, show different data, almost like they are randomly putting days late. 
How can you go right to 60 or 90 days without a 30 day late? 
I have enclosed both reports
Product: Credit reporting or other personal consumer reports

Unauthorized injuries made on my credit report : transunion The following accounts reviewed my credit without my knowledge. 
XXXX XX/XX/year>, Regional acceptance XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

RADIUS Global Services has called me multiple times. I've answered and told them this is harassment and to stop. They have not stopped. 
2025 dates XX/XX/XXXX - Once XX/XX/XXXX - Once XX/XX/XXXX - once XXXX XXXX - once XX/XX/XXXX - once XX/XX/XXXX - once XX/XX/XXXX - once XXXX XXXX - once XX/XX/XXXX - once XX/XX/XXXX - twice XX/XX/XXXX - once XX/XX/XXXX - twice XX/XX/XXXX - twice XX/XX/XXXX - once XX/XX/XXXX - once XX/XX/XXXX - three times. this is when i told them they are harassing me and to stop calling XX/XX/XXXX ON A SATURDAY - once XX/XX/XXXX - twice XXXX XXXX twice
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : verified that it was reporting correctly to my consumer report. Explain the process the company took to verify my account. I dont recognize this account. I demand a copy of my signature and id that was used to open this fraudulent account. If you can not provide evidence as to why you are reporting. DELETE IMMEDIATELY
Product: Student loan

Over the past 2 years I have made several payments on my student loans Confirmation #. Payment : Date Posted : XXXX. XX/XX/2022 {$240.00} XX/XX/2022 XXXX. XX/XX/2022 {$1700.00} XX/XX/2022 XXXX. XX/XX/2022 {$250.00} XX/XX/2022 XXXX. XX/XX/2022 {$290.00} XX/XX/2022 One of the loans, Loan A was paid in full. I have a confirmation number from the company stating that and can attach it. 

I have not gotten any refunds and they are now incorrectly reporting my loan amount which has decreased my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect items reporting on my Transunion credit report.
Product: Credit reporting or other personal consumer reports

Your Company : AMEX is furnishing inaccurate information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. 
The continued reporting of this inaccurate information is a clear violation of the law 15 USC 1681 s2 of your responsibilities as a furnisher of information AMEX XXXX Balance Owed : {$4100.00}.
Product: Checking or savings account

I found the same debiting of my TD Bank. Checking account. They paid on an item XXXX XXXX XXXX for {$1.00}. There are a lot more. The bank said they could not do anything. 16 + I haven't finished going through the statements I have.
Product: Consumer Loan

My latest contact with Chrysler Capital was with XXXX at the XXXX if that is her name and what ever the XXXX is????? I have offered again to go over my complaint and they refuse. The XXXX CRA also are not doing a thorough investigation. Both Chrysler Capital and the CRA are just responding in a way to move the case to show there is something going on and that is it SOMETHING??? This is clearly an intentional act of willful intent to cause harm and is reckless. What is happening to me is NO different than what Santander USA was prosecuted for in Texas. I am not an active service member, However I am a XXXX American citizen. If someone would read all the documentation I am confident one would clearly see that Chrysler Capital has from XXXX XXXX and currently is WILLFULLY causing me harm. I have made a reasonable offer to pay the contract value for the car this allows all parties to move on with no loss. With the exception of the the countless hours I have had to log fighting for my rights. The XXXX, time away from my daughter, both XXXX and XXXX, the XXXX it has caused myself my daughter her mother has put us all a step back in an ongoing healing situation. The sad thing here is there are people within the organisation know exactly what they are doing. This is nothing short of terrorism for profit. I am BEGGING for this case be forwarded to ALL Governing agencies that are capable of granting me the FAIR request to get out from under the abusive control of Chrysler Capital and what ever needs to take place to remove the FRAUDULENT CREDIT REPORTING on myself and joint owner. with NO negative comments. Although I feel I should be compensated at minimum the Maximum amount awarded in small claims court for the obvious violations. I just want to pay of the principle amount get the title and move on. I PRAY that this be escalated to the highest level allowable so I can put this behind me. XXXX. The other thing I keep leaving out. When I first discovered the False reporting in spring of XXXX I had just started rebuilding after horrible time in my life. This triggered a DEEP cycle of XXXX I am prone to and I just XXXX and I let XXXX Credit Cards accounts I recently opened. As we all know the financial implications of that. I started dealing with this again in XXXX of XXXX with no resolution. This is what I believe Chrysler Capital feeds on keeping people in the subprime cycle. That is why I believe there business model is report late payments from a supposed missed first payment, so one ca n't refinance after six months, in addition to racking up fees. My account I believe is over XXXX XXXX Dollars overcharged.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and the fraudulent information being reported on my credit file continues to harm my credit reputation. I am submitting this appeal to TRANSUNION in order to request that the following inaccurate and fraudulent information be blocked from my credit report. The associated FTC report number for this case is XXXX, which includes details of the fraudulent accounts. Upon review of my credit record, I have identified multiple suspicious and likely fraudulent entries, including accounts that were opened without my consent or approval. These entries appear to be false and without any legitimate authorization from me. As a consumer, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) to demand that these fraudulent entries be promptly removed. I request that you take immediate action to ensure that the information being reported on my credit file complies with the requirements set forth under FACTA, specifically Title 1, Section 151, which mandates that all information provided to credit reporting agencies must be accurate and verifiable. I am filing this complaint to ensure that these inaccuracies are addressed and removed from my credit report in accordance with both federal and state consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft there has been attempts to open credit cards and car loans under my name giving me hard inquiries on my credit report that are not mine. Im attaching my identity theft report which states all the inquires that are fraudulent & must come off. I will also be attaching my license as proof of my identity. The inquiries that are fraudulent are XXXX XX/XX/202XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2019, I returned by mail with receipt the written interrogatories that the company sent me. Included in that was my sworn statement that I was NOT employed and that I was receiving Social Security XXXX 

On XX/XX/2019, I received a notice of garnishment from the attorney that is the subject of this dispute. I called and talked to XXXX and then to XXXX, explaining that I had not worked for the company listed for almost a decade and that the ownership had changed. XXXX told me that he had information that I was currently employed by the company. I said I would like a copy of that information as I had just made a sworn statement that I was not employed. I asked if they intended to take me to court for perjury since they claimed to have proof that I was employed and XXXX said No. 

I live in a small town and I don't think that this debt collector should be able to contact people that I previously worked for and issue garnishments for wages, which is informing people, that are NOT my employer, that I owe a debt.
Product: Student loan

My federal loans were discharged, forgiven and deleted from my credit report. I have letters from the Department of Education stating I am entitled to a refund. I called the Department of Education XX/XX/year> to inquire about my refund and the representative indicated the loan servicer Mohela needs to release the information to the United States Treasury. When I called Mohela on XX/XX/year> it was a XXXX minute wait time. I opted to keep my place in line and receiving a call back. I was never called. On XX/XX/year> at XXXX I called Mohela again. I was transferred 6 times and given 2 different numbers that I called myself. None of which could help me and told me and all told me I had the wrong department. I spoke to a man who stated that I wasn't entitled to a refund because he found a link online saying previous customers of XXXX don't get a refund. I asked for a supervisor, and I was refused. The same man kept coming back to the line and said " well my supervisor said '' to tell you to call the Department of Education and refused to speak to me because they were not sending in the information to the Treasury. I am entitled to a refund per the Department of Education and Mohela and its representatives refuse to help
Product: Mortgage

In XX/XX/2023 I was approximately 75 days behind on my mortgage when I agreed to make payment arrangements for the next 3 months ; XXXX, XXXX, and XX/XX/2023, to get caught up on my mortgage, and while applying for a loan modification. 
Complaint # 1 : The 1st payment was to be auto-drafted on XX/XX/2023. I called a day ahead and made the payment over the phone. The representative didn't advise me that I would need to cancel the pre-arranged auto-draft, therefore, Carrington Mortgage drafted another payment the next day, which resulted in a cancellation fee administered by my bank ( {$30.00} ). I luckily caught the extra payment before the payment posted and was able to cancel the pre-arranged auto-draft for XX/XX/2023. For the XX/XX/2023 payment, I called ahead of time and made the payment by phone and was not auto-drafted a 2nd time as in the previous month. I also checked the status of my modification, and was told it was still in process and to keep checking back once a week, which I did up until the next complaint... 
Complaint # 2 : I called Carrington Mortgage XX/XX/2023 to check the status of my loan modification, and was told I was approved and that the paperwork was mailed to me. I explained that I hadn't received the terms of the modification and asked that they be mailed to me again. The CMS representative went over the terms, by phone, of the modification stating my next payment due is XX/XX/2023, and said she would send the modification terms again. I called a week later ( XX/XX/XXXX ) explaining I still didn't have the paperwork to sign and confirmed with the CMS rep that my next payment is XX/XX/2023. I called again XX/XX/XXXX, confirmed a XXXX time that my next payment is XX/XX/2023 and that I still haven't received my modification terms. To this day, XX/XX/2023 I still do not have my modification paperwork to sign. 

In all of my communications with CMS, I was never advised that since I was approved for the modification that I could cancel the XX/XX/2023 pre-arranged payment agreement. I was only told that my next payment is XX/XX/2023, making me believe that all previous arrangements were replaced with the modification. They auto-drafted the pre-arranged amount on XX/XX/2023 of {$1700.00} from my bank account, leaving me with XXXX in checking. Again, overdrawing my account and leaving me with overdraft fees ( I don't have the exact amount of those fees yet, as I'm trying to work with my bank to waive those since I've never had overdraft fees until now ). CMS has put me further in debt/behind due to their lack of/poor communication, which will likely prevent me from catching up on anything now. 

I ask that you please look into this and help me get my money back, so I can get back on track XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 alleged fraud or extortion XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX  XXXX LA XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I refinanced my car loan with navy fedral. I signed all the required docments that was sent to me. my car payment went from XXXX to about XXXX. I was XXXX the military. but then some how my payment went from XXXX to XXXX i did n't notice the change becuse i was XXXX. when i got back i noticed it and i asked why my payment went up. they told me i was surpose to add Navy fedral to my tile which i did. i was told they will change my payment back to what it was before and i would get my retro back pay the three years that i was XXXX. but it never happened.
Product: Credit reporting or other personal consumer reports

I never applied for or ask for or paid for a credit card from XXXX XXXXXXXX or Citibank I have never used Citibank in my life or capital one I have never lived in XXXX XXXX or visited all three of these items are on. My credit report I have been trying to change the XXXX XXXX lie on my report for over ten years my sister stoked my Id and has been using it over 20 years I also never ask for any cell phone from cellular one I have lived in XXXX for the 8 years we dont even have cellular one in XXXX XXXX XXXX XXXX my sister who stole my identity she lives in XXXX XXXX XXXX XXXX XXXX XXXX she is behind these credit cards on my report and cellular one and she is the one who lived in XXXX XXXX for over 20 years not me I need my credit report corrected please
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 XXXX 2 this section a credit issuer can not furnish an account without my written directions under 15 USCS 1666b a creditor may not treat a payment on a credit under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 someone try to open an account with CBNA and XXXX XX/XX/XXXXXX/XX/XXXX TWO HARD INQUIRY
Product: Student loan

I have made 120 qualifying payments on my student loans while working for qualifying federal government and non-profit employers. I made the eligible payments through XX/XX/XXXX, and reached eligibility with the XX/XX/XXXX payment. 

I have since received multiplecommunications from Department of Ed saying I have not submitted any of the documents that I did submit and that I have no student loans eligible for forgiveness. 

I have submitted complaints through Mohela and Dept of Ed. Dept of Ed says to expect a response in 5 days. It has been more than 30. Mohela requires several hours of wait times, then says, dont worry, wait and se, I promise you are eligible and your loans will be forgiven, When I send the same request for documentation in writing, after months of waiting for response, the response is We see you have contacted us by phone and assume your problem was resolved then. 

Department of Ed just repeats you have to contact MOHELA. 

MOHELA just repeats We have nothing to do with that, its in the Dept. of Eds hands. 

The attache documents represent false characterization of my student loan status and prigram eligibility.