23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have made several compliants about that fact that Experian do not follow letter heads from credits, and make claims that the credit made statements about my account with no proof of a document that was sent to them from the creditor so I can go after the creditor with the proof that is was them who did that. All I get from Experian is them over the phone claiming that was the creditor sent them with no proof. But when I make a claim I get a document from the creditor, sign by the creditor with a letter head from company. I ask Experian if this was the court of law and I have hard evidence from a company sign by them who are they going to believe.Instead of asking the creditor if this document came from them so the came update my account, instead they tell me that they are waiting for the creditor to respond, and they respond never has to do with the letterhead that i sent them. This last update on this child support case they change it to {$0.00} balance after Child support did not respond. Experian policy is if the creditor do not respond they have to remove the account from my credit report. Instead of the remove the account from my credit report they took the balance that was reported {$180.00} and made it monthly payments, and made {$0.00} balance. This did not come from child support because it the wrong account information and child support do not report {$0.00} balance to credit reporting agency. They only report when there is a balance is due. It is illegal for a credit reporting agency to make changes to an account if it did not come from the creditor and that is what Experian did with this account. This are compliant numbers so you can see the history of what happen, XXXX, XXXX, XXXX. I did my investigation with child support already. They send out update on the XXXX of every month if there is a balance to report. If there is no balance there is nothing to report. Experian claim on XX/XX/XXXX, child support sent them an update that is a lie. Child support is not going to respond with false information about my account. {$180.00} a month is not my monthly payments. That is what Experian change it to because they did not get a response from child support. I want this account remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in regards to the XXXX XXXX XXXX XXXX on my credit file. I am requesting a copy of the original agreement and original contract from the creditor with my signature that shows that I agreed to the terms and agreement provided by XXXX XXXX for the account above. This is not a request for a debt validation letter, but a copy of the original agreement that was signed when this account was created. If there is no legal contract binding me to any terms and agreements set forth by XXXX XXXX XXXX XXXX XXXX  and if you can not furnish an original agreement, please permanently remove this account from my Equifax credit file as there is no proof that legally I signed an agreement with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This account does not belong to me. This is fraud. Delete this account.
Product: Credit reporting or other personal consumer reports

There are some hard inquiries on my credit report that were not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give consent to furnish my personal information regarding my open end credit plan. Ive been violated and harassed about information I deem private XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Debt collection

I received a wage garnishment letter from my employer that was sent to them from Transworld Systems Inc. the document contains an inaccurate debt amount and it is not a court order. I contacted them and they told me that the amount was for the original debt plus over {$2500.00} in interest. They also informed me that they did not have a court order. The letter also states that they are a government agency, which is not true.
Product: Checking or savings account

On the beginning days of XXXX, someone called me and said they were from my bank account to notify me that I was getting scammed in Texas. I gave them information that Ive learnt later was very wrong to give. Informations like my birthday, address, full name, possibly the last XXXX of my SS. He told me someone was using my debit card information and XXXX put a stop on my account which Ive realized later why I couldnt access my account for a week. I was able to retrieve my account login just to find out I have {$8.00} left out of about {$900.00} I had before XX/XX/2023. Transactions that wasnt authorized by me was all located in XXXXXXXX XXXX. ( Ill be attaching the copies ).
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found that the following items were inaccurate. The items in error are listed below. 

file : XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX  - Account Number : XXXX - Date of Charge Off : XXXX - Amount : {$770.00} Under 15 US Code 1681b ( 2 ), a consumer reporting agency can only furnish a consumer report if the consumer reporting agency has written instructions from the consumer. Idid NOT give you written instructions to report this information. I demand you delete this account immediately. 

According to the 15 US Code 1681e ( b ), a consumer reporting agency is required to implement reasonable procedures to ensure the highest level of accuracy possible. I have highliated the inaccurate information reporting from my credit report. Given these inaccuracies, this account should be deleted for not complying with 15 US Code 1681e ( b ). I demanded you to deleted this account immediately.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XX/XX/XX/XX/XXXX
Product: Mortgage

We received an letter XX/XX/XXXX from freedom mortgage our flood insurance renewal was not received by Freedom Mortgage My agent checked and they XXXX XXXX : XXXX XXXX sent the on XX/XX/XXXX along with the Homeowners insurance renewal. The Homeowners was paid he flood was not. Again on XX/XX/XXXX XXXX my insurance agent sent the renewal flood policy to freedom mortgage. It was not paid again? Again on XX/XX/XXXX My insurance agent sent again another renewal policy. Freedom mortgage did not pay that one either out of my eswcrow. Then we got a letter from FREEDOM MORTGAGE stating that you were going to force place FLOOD insurance on us for {$3800.00}? We contact our agent since the renewal grace period we had to get a new policy. We were grandfathered in on our old rate of {$850.00}, because we bought our house before the FEMA changes. So the new policy we have to write is for {$1800.00}? We feel you are at FREED MORTGAGE is in violation of Respa since they never sent the renewal and cause our insurance to go from {$850.00} to {$1800.00} .Freedom mortgage will not help simply stating that they never got the flood renewal that we sent 3x from my agent. We are requesting a How do we resolve this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of XXXX XXXX and even though I've sent in documents from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  verifying I'm a victim as well as a written letter advising what information needs to be removed, they're refusing to remove it. This breaks the law that was just passed last year.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has violated my rights under section 623 ( a ) ( 2 ) willfully updating my consumer report with information that isnt 100 % accurate nor complete. I am requesting immediate deletion of this account for your failure to comply with the law under the FCRA federal code.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my paperwork about a collection account that is not mine and Transunion said they didn't receive the dispute when i called them this morning.
Product: Debt collection

I received a call yesterday XX/XX/XXXX from a number I 've never seen. I initially did not answer it. I then received a call from my brother who indicated a man called him asking where I was and said his name was XXXX XXXX. My brother did not provide the man with any information, I do not live with my brother, he has never consigned a loan for me or been on as a referral.I called the number back and heard the initial voice message indicated that I was calling AMC XXXX XXXX and then a man by the name of XXXX XXXX answered, I asked him who he was and did not identify myself. He then said he knew I was XXXX XXXX, he found out all about me, my job, he knew where I lived and knew who I worked with. He then stated that he had a " unique '' way of dealing with situations. All the time never stating what he wanted, payment, what I owed, just intimidating me. Out of immediate fear I hung up the phone and I then contacted the XXXX police department, they sent police offficers to my home to interview me and file a complaint with this individual. They contacted the same number, spoke with both XXXX XXXX and XXXX XXXX and explained that they were not to contact me since the allegations were on the border of harassment and potentially criminal. The police officer, Officer XXXX, also asked ( at my request ) that they mail me any demands on their civil request. At which point XXXX XXXX stated they had. My complaint is against AMC XXXX, the phone number I was contacted by is XXXX. I want an investigation opened for violations of FDCPA.
Product: Money transfer, virtual currency, or money service

Square card on XX/XX/21 let someone charge a Total of {$5000.00} as if it were me charging on the app.They then virtually let the person order a Square card and transfer funds to it. They attached it to XXXX XXXX  on their phone and went on a shopping spree. When I saw this I alerted Square and was explained that I would not be responsible for any of the charges. On XX/XX/21 I was helping a friend out with an estate sale and rang in {$1800.00} in sales. When it went to my account for deposit only {$1100.00} went over. I looked at the account and it showed four of the fraudulent transactions were disputed and subtracted from my balance. The amounts in question are {$180.00}, XXXX, XXXX and XXXX totaling {$770.00}. I have spent hours on the phone with dozens of reps and no one seems to be able to resolve the situation. They have told me everything from we owe you nothing, get a lawyer and even told me I credited the accounts back. Please help me resolve this situation.
Product: Credit card

In XXXX I paid off or my {$6700.00} balance.I then proceeded to run it back up.The problem is I have a cash advance limit of XXXX which I reached by XXXX of XXXX.interst rate of about 25 % at that time on my cash advance balnce..I also ran it up with purchases which had a separate interest rate at the time around 16-18 % .I finally noticed even though I reached my {$1600.00} cash advance limit and have not had a cash advance since XXXX of XXXX my cash advance balance kept going up and it was being put on my higher interest rate cash advance balance. Fast forward almost 5yrs my cash advance balance is {$5600.00} my purchase balance is {$1.00} despite not having cash advance in almost 5yrs which all my statements can attest to..I also have seen my interest rates rise on both purchase n cash avance ..my purchase rate is now over 20 % my cash advance has gotten over 30 %. It is now over 29 % despite the fact my credit score has skyrocketed to an excellent XXXX from in the XXXX which from what I've heard affect your margin. And prime rate has gone up..I pay a rate of prime +margin..mine kept going up when it shouldve went down... but the real issue is ive been paying the higher 30 % cash advance rate over an above {$1600.00} since XXXX of XXXX.why is my purchase balance being transfered to my higher interest rate cash advance balance..upto XXXX now and havent had one cash advance since XXXX XXXX..which means ive been paying about 10 % more on anything over {$1600.00} for almost 5yrs and now my last statement is have a balance of {$1.00} at 20.40 % ..and cash advance balance of {$5600.00} at 29.65 % ... im being charged XXXX cents on purchase and XXXX on CA balance... why would CA balance ever get over XXXX
Product: Debt collection

The debt collector told me that they would be submitting documentation to my companies HR department and begin the process of garnishing my pay. I asked the debt collector not to contact me at work, to contact me at home, to which they stated they would not argue with me and hung up on me. The debt collector then called my manager and left a voice mail threatening some sort of legal notice.
Product: Debt collection

Like I said before I have medicaid and medicare so I shouldn't owe no bills at all and it should be removed for good off my Equifax report.
Product: Credit reporting or other personal consumer reports

Please read this carefully, this complaint is not sent in error. My credit report has false and inaccurate information. These errors are causing me undue stress and is affecting all aspects of my life negatively.
Product: Mortgage

My wife and I live in a row house in XXXX D.C. We rent out a XXXX-floor apartment as a bed-and-breakfast. For the tax year XX/XX/2015 the District of Columbia government mistakenly assessed our property as being 100 % commercial property. Of course our taxes and consequently our escrow payment ballooned. The D.C. government has since corrected their mistake. The D.C. government has offered to refund the escrow overpayment to our mortgage bank, New York Community Bank ( NYCB ). However, NYCB is insisting that we, the homeowners, personally repay this escrow overpayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately XX/XX/XXXX or XXXX, XXXX did a Free Credit Report request for Equifax report on me, teaching the end of the request, only a generic profile page with my basic information ( name address phone ) came up, but nothing else the page froze there. 

Filing a second request, Equifax denied any further help, indicating I received the report. They were wrong, it sent me nothing. 

I immediately filed a complaint with them, and they declined any further assistance on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

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

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. 

XXXX {$120.00} XXXX {$130.00} XXXX {$1500.00} XXXX {$5100.00} XXXX {$150.00} XXXX XXXX {$22000.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX {$260.00} XXXX {$720.00} CHAPTERXXXXBANKRUPTCY DISCHARGEDXXXX {$0.00}
Product: Mortgage

CitiFinancial in XXXX locked me into a morage loan that I have been paying on for XXXX years and the Balence has not decreased and being XXXX yrs old i feel this company has taken advantage of me by locking me in a loan that I will not ever beable to repay, this loan is hard for me to pay at {$990.00} a month living on a fixed income, Also in XXXX it shows on my statements that the company filed on an insurance policy that was on the loan and the account was paid to a XXXX balance, the company still took payments from my bank acct. So from what i am reading it the statment they are getting paid twice for the loan and in the process putting me in the street.
Product: Credit reporting or other personal consumer reports

I wish to dispute the presence of unauthorized accounts on my credit report, as indicated by your bureau. Upon meticulous scrutiny of my credit report, I have determined that these accounts are the results of identity theft. I initiated to contact with the banks associated with these accounts, and they assured me that it would be removed from their records. 
Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. 

Moreover, ither credit bureaus have already corrected the status of the accounts stated above .Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I lost my job during the shelter in place order mandated in XXXX of 2020. I used my savings to continue paying my rent and bills however once that ran out I had credit accounts go into delinquency. I was able to negotiate hardship terms for most of my cards however both times I called and explained my situation to account representatives, they said they were unable to remove late fees due to their company policy. I called on two different occasions between the months of XXXX XX/XX/2020. By late fall, I had been charged several fees which made paying the minimum due to bring the account current impossible. I am on unemployment and receive {$400.00} a week. This is not nearly enough to live on but it's all I have. I would like to settle this account as soon as possible to end the negative remarks being reported each month. My credit score is very low and this account is one of the reasons why. I have remained current on all other cards who worked out payment plans and have paid off over 3 accounts however my score only drops further instead of showing any improvements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding the following item listed on my credit report. 
Account name XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/2016 Status Paid, Closed. {$10.00}, XXXX written off. 
This was never written off but paid in full by the insurance company after a total loss accident. However, XXXX and Experian refuse to correct their incorrect information, despite being notified.
Product: Student loan

I have been denied my request for a School Misconduct Discharge Application. The reason I received was that my consolidation loans do not qualify. This does not make sense because both loans that were consolidated were issued by this company- Navient formerly Sallie Mae and consolidated by Sallie Mae Private Consolidation as well. 

The original loans were disbursed on : XX/XX/XXXX in the amount of {$13000.00} and XX/XX/XXXX in the amount of {$10000.00}. They were both consolidated through the Sallie Mae Private Consolidation Loan Program in the amount of {$27000.00} on XX/XX/XXXX. ( All documents attached ) I am aware that Navient was sued by 39 state XXXX regarding their predatory loans to attend these for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early 2000 's. These private loans with a high risk of default were part of a package deal offered to " for profit schools ''. 

My school, The XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX closed it's doors in 2017. Students at these schools were mislead by admissions representatives to sign up for loans by their preferred lender- Sallie Mae ( now Navient ), and they knew students would not be able to pay back in a timely manner. We were also guided to apply for forbearance and deferment by the school 's student loan office. These predatory lending practices are unethical and unfair to thousands of students that put their trust in these institutions. We were also mislead with career services and job opportunities upon graduation. There was zero assistance or correspondence in anything upon completion of these programs except how to put ourselves into more debt by forbearance or deferment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Placed on my credit report a debit for {$980.00}, this dropped my score over 90-Points.

Then placed on my account another debit over {$2500.00} and this hurt my score over a 100-points. I disputed two accounts and one was deleted from my credit report for a reason!

Months ago I called and requested for proof of debit again and this would be my 4th time. I asked for proof that they have obtained my Medical Files. 

This collection agency mailed me another bill instead of proof of this being my medical file. I called today and spoke to XXXX, who gave me a hard time just getting more information. 
Then she stated that I have 3 accounts.

So since I remember disputing two and one was deleted from my credit file, it shouldn't still be an issue but it is and now it's 3.

I asked again for all 3 account numbers.

And although the agent was speaking EXTREMELY fast, I remained on the account numbers until I had the correct numbers given for all accounts.

So for this complaint I am reporting 3 accounts, one was REMOVED FROM MY CREDIT FILE and one is still there and also this other account.

One or all, I am still requesting for these accounts to be removed from my credit file since it is now illegal and banned to report Medical Debt on my credit files. 

This same complaint will be sent to XXXX, XXXX and Experian.
Product: Debt collection

I was residing with a person who was renting a home, I was not on the lease as a person responsible for payment. Just an additional person living in the home. I am receiving letters that a debt has been sent to a debt collector. When we moved out the balance was {$0.00}, no deposit was returned, property was not damaged, no letter was sent to a final bill or money owed, no contact with the property manager from XX/XX/XXXX until XX/XX/XXXX when I received a letter. I responded with a written response that I deny the debt. I didnt hear anything else. Then XX/XX/XXXX I was sent a letter with a lesser amount to pay. I was never advised of this debt before it went to collections and they did not notify the resident responsible for payment. XXXX XXXX did not send a bill or communicate before the collection agency and this is not proper. They can not produce verification of the debt but we have paperwork with a XXXX balance. Debt was sent to Rent Recovery Solutions LLC, who hold many complaints of misconduct and fraud.