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

I have been fighting XXXX  & Equifax about and account that should not be reporting on my file. There are two XXXX Accounts one with a partial account number of XXXX reports opened XX/XX/XXXX and the other is XXXX which shows opened XX/XX/XXXX both are indicating I was an authorized user and at no time did I ever apply or hold an account with XXXX. Why are these still on my credit report?? They are not mine, I never gave consent and they need to be removed. Anyone can put a person on their account without the knowledge of a person and then go late and then it effects their scores? THESE WERE NOT MY ACCOUNTS!
Product: Credit card

my daughter was ill 120 days behind on my payments - had the full amount to pay on the card for XXXX XXXX 2016 went to pay the full bill was put on hold. rep came back and said if i did not pay XXXX more that i would just incur fees after the payment was made. stated that was all i had - gave her my credit card numbers to pay the bill was put on hold again - she stated that she was trying to help me and she would be right back. came back and said that she wishes to charge my account off - i said no and further explained that i thought i had protection on the card the bill is due for XX/XX/XXXX and im paying it on XX/XX/XXXX so if your stating its an extra XXXX im paying until XX/XX/XXXX and then resuming my payments as my balance will be around XXXX remaining on hold again -she stated that its to late i charged off now. and that i need to pay XXXX dollars for the next XXXX months - i asked why and was told that that is my payoff - i said what did i spend on the card she said XXXX dollars which is impossible when i recieved the card it had a balance i had to pay - i had almost a XXXX XXXX dollar chargefrom the company. she said i was responsible for XXXX percent of the full bill. i never even recived a statement from this company - i said if your charging me off put it in writing i was told no and that this was a one time deal and if i did not do it now that it would not stand. i disconnected the call what company refuses to take your payments after agreeing to tells you whats in your best interests and then bullies you into an agreement to ruin your credit on purpose - i was paying and was allowed and then straight out told you are forced to charge off
Product: Bank account or service

Initially in XXXX XXXX i was notified of XXXX fraud applications submitted through SYN financial for Walmart and Lowes which resulted in XXXX inquiries being placed on my credit report. I received help to initiate a fraud claim with the creditor and was informed the applications had been declined and this info would be forwarded to all XXXX bureaus to have removed from my credit file. We allowed the 90 day time frame to do so and received no help or communication from Synchrony and in XXXX of XXXX we called to get an update on why they were still reporting on my credit file ; I was informed that no claim for fraud was ever submitted and the process would have to be resubmitted. Informed again by rep from Synchrony, once fraud claim initiated, the info would be fwd to the XXXX bureaus to have removed ; I began to work with an investigator from XXXX who helped me to also began disputing this info with XXXX and they informed us they could not remove the inquiries due to the creditor having to issue a claim to have removed. They stated until we received either confirmation in a letter to send over via fax or the creditor submitted dispute to remove because of fraud that the inquiries would stay as is. On XXXX/XXXX/XXXX we attempted to get another update on the claim that was submitted for fraud with SYN financial and was informed for a 3rd time the claim was never initiated and would have to be sent over again. No logical explanation was given for why the claim has n't gone through, if I have called to report twice and why also no letter can be sent out to confirm that i have been a victim and the applications have been rejected due to fraud. It has been almost a year and nothing has been done from Synchrony Financial or XXXX to assist me with getting my identity restored and I am left to figure this all out. The creditor is never helpful or can give any informative info about all the issues I have had and even after requesting to speak with a Supervisor ; I received the same unhelpful info that they will try to resubmit the claim again. I did my part by following up from the very beginning and continue to follow up with this creditor to give me the help i deserve and have received nothing but information that does n't make sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

NCC Business Services has failed to validate or send proof of contracts that I have with them. I have never entered in or had a contract with NCC Business Services. I do not owe no debt to this company. They are a collection. I never had a contract with NCC Business services for the said debt of {$1200.00}. If NCC Business Services does not send a copy of this contract within 30 days the only resolutio I will accept is delete the said debt from all credit reporting agencies. As it is a fraudulent account.
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I have paid this debt to the original creditors in full. I never had a contract with NCC Business Services. I included a receipt to show I have paid this debt to the original creditors on  XXXX / XXXX /2016 in the amount of {$1200.00}.
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 XXXX XXXX XXXX Account name Account Number Last XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX ) Reference # XXXX Bankruptcy ( XXXX  XXXX ) Bankruptcy ( XXXX XXXX ) Reference # XXXX 15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 XXXX years. 

15 USC 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 or other personal consumer reports

For several years Equifax has fraudulently reported a bankruptcy on my credit file. I have disputed it with this bureau online and by written requests. I have submitted complaints through CFPB. I have called several times and been treated rudely. My latest call confirms what I already knew Equifax is a morally corrupt company that places profit and consumer suffering over the law. 

XXXX. I have confirmed through XXXX the source that is listed by Equifax that no bankruptcy record exists. I sent those documents directly to Equifax and so did XXXX. That was not good enough to remove the data from my file as regulated by the FCRA. 

On my last phone call the customer service rep told me that the reason it is not being removed is due to an internal policy that only a document from the court is acceptable to remove public records. I have sent them proof from the court where I attempted to obtain this bogus bankruptcy. To have a policy that goes against the dispute process is ludicrous. They state they received documents from XXXX which by the way is part of Equifax. XXXX refuses to validate the erroneous information yet it remains years later on my credit file. 

I am providing documentation from XXXX XXXX, 15 US Code 1681n, a response from the court, an Equifax dispute screen, and my Equifax public record. These documents will show I have done everything that is required of me to dispute and have this false information deleted from my report. Equifax 's refusal violates the fair process to consumers and my civil liabilities. I am including my current driver 's license and social card so that they do not just send a response that I did not provide enough information for them to verify and validate that the complaint was coming from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to complain about Experian 's failure to remove inaccurate and unverified items from my credit report despite my submission of all necessary documentation, including Identity Theft affidavits and police reports. The items in question are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Furthermore, I am concerned that Experian may be in violation of the Fair Credit Reporting Act by not properly recording and considering the documents I have submitted, and by potentially disclosing my personal information to the companies in question during the dispute resolution process.
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 XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX, Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account Number : XXXX, Account name : XXXX  XXXX Account Number XXXX XXXX, Account name : XXXX  XXXX Account Number : XXXX XXXX Account name : XXXX  XXXX Account Number : XXXX XXXX Account name : XXXX  XXXX Account Number : XXXX, Account XXXX : XXXX  XXXX Account Number : XXXX, Account XXXX XXXX XXXX  XXXX Account Number : XXXX, Account name XXXX XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX  XXXX Account XXXX : XXXX, has violated my rights. 
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, credit repair services, or other personal consumer reports

Wells Fargo is reporting a late payment on my credit report on XXXX of 2018. I have tried calling them to correct the error they caused on their end and they guided me to submit a dispute with the credit bureaus to correct THEIR mistake. So I did, several times. I have submitted disputes with the Credit Bureaus in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to try and get this late payment removed because I was not Late. The Credit bureaus stated that they reached out to Wells Fargo, Account number XXXX who said the information is accurate which contradicts what a representative told me over the phone. 
My wife and I were hit with this late payment out of nowhere and are not sure where to be able to turn now because of it,. We read online that this is our best shot to get the inaccurate late payment removed since they are not abiding by the FCRA.
Product: Credit card

I made a payment to CITI XXXX Credit Card on XXXX XXXX, 2016 using a CITI prepaid Debit Card issued to us from a furnace/air conditioning install. The payment was made over the phone with a representative from CITI Simplicity and I was given a conformation number to complete the call. I never say the payment post to my account so I called CITI back and they said there was no record of a payment being made on the XXXX of XXXX. I then spoke to several departments only to get the same answer that this never took place. I then filed a dispute with CITI XXXX XXXX and also called the CITI rebate card company and they immediately confirmed that the payment had been made and received on XXXX XXXX by CITI Credit Card on that date. We then had them email us proof of this transaction and sent it to CITI XXXX to go forward with the dispute. I received an email showing a few days later that my card balance was at XXXX {$.00} as this payment was for the remaining balance on the card and thought that the dispute had been resolved. Then yesterday on XXXX XXXX I received the email stating the dispute had been denied and the {$370.00} was put back onto my balance owed on the CITI XXXX XXXX. We Then called yesterday the XXXX of XXXX to have them re-open the dispute and I re-faxed the same proof along with a letter of explanation about the dispute to the Dispute Fax number for CITI XXXX and also mailed a copy to the Presidential office in South Dakota. Then after speaking with our furnace installer because CITI XXXX was not helping even after numerous attempts to resolve the matter I am contacting you to help in this case. I am not sure what else to do as this payment was made, it was received and our Rebate Card with CITI is at a {$0.00} balance so the money was received. Please help us.
Product: Credit card or prepaid card

I entered a XXXX management program with XXXX XXXX XXXX. They have sent a payment to XXXX XXXX XXXX and they processed the payment. They accepted the check therefore they should have changed the payments and not charged me a late fee.
Product: Checking or savings account

Renasant Bank denied my dispute in which a company that I advised in XXXX to stop withdrawing from my bank account. A XXXX payment was withdrawn. Renasant Bank denied my dispute because payments to this company had been made previously. That DOES NOT mean that they have the right to continue to withdraw from my account if I revoked access to my bank account. had to pay {$36.00} to file a stop payment on this account to keep XXXX out of my account majukg unauthorized withdrawals.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent couple of letters to XXXX and Experian to inform them that they are reporting fake information but I was ignored. I do not have these accounts in XXXX but only in Experian and XXXX. So I hope it will work and my complain will be working because I do not want to have unknow accounts in my credit report. Thank you I am talking about these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Collections XXXX XXXX XXXX {$3200.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$3200.00} High Balance {$2900.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX {$250.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX  XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$250.00} High Balance {$250.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX {$1000.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX  XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1000.00} High Balance {$1000.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX   {$0.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$0.00} High Balance {$120.00} Remarks Paid collection XXXX XXXX   XXXX XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX, XXXX Original Creditor XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$3200.00} High Balance {$2900.00} Remarks -- XXXX XXXX XXXX XXXX 
{$250.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX 
Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$250.00} High Balance {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX 
{$1000.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX 
Original Creditor XXXX XXXX XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1000.00} High Balance {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
{$0.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX 
Original Creditor XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$120.00} Remarks -- all filed to ftc
Product: Credit reporting or other personal consumer reports

There are inquiries on my TransUnion Report that should not be there These inquiries were added without my knowledge. in compliance with the tair credit reporting at these inquiries need to be removed from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I have a joint youth checking account with my son. He was a victim of a scam. He was approached via XXXX by someone asking if he would like to make money. He sent them his debit card. The scammers then deposited a counterfeit check into his account and went on a shopping spree. The bank now states that we owe them $ XXXX. I do not feel that we should be held liable for the amount owed because we were victims of the scam. At no time during the history of the account has a deposit that larger ever been made, as well it was common for the bank to hold his actual deposits before releasing funds. I believe the bank should have noticed the large deposit and at the very least verified the check before releasing the funds. The counterfeit check was drawn on an account from the same bank. It was deposited in a state that has never bee associated with the account and all the charges were made in a state where the account had never been used. I also have an account with this bank and they have called me before when I was traveling to verify transactions. Why this was not done I can not say. My son is young and fell for a scam. He has learned his lesson but should not be held liable for the criminal activity of others. 

I have included the last XXXX bank statements showing that this activity is completely out of the ordinary for this account. This account has never had a returned item, or a deposit over {$500.00}. The activity should have drawn a red flag as soon as the deposit was made. The fraudulent deposit was drawn on another customer from the same bank in the amount of $ XXXX. I would think the bank would not only verify the check with these customers, but also verify the deposit with us before releasing funds. 

The loss is a result of the bank not having the proper security measures in place and or active. It is not a result of our negligence.
Product: Credit reporting

I mailed a dispute to Transunion on XXXX/XXXX/2016. Approximately one or two days later I discovered another Separate Issue regarding a distinctively different account on my credit report. As such I filed a Second Dispute regarding a totally separate issue. 
I received a letter from Transunion stating that they received a dispute from me on XXXX/XXXX/2016 and " ADDITIONAL INFORMATION '' ON XXXX/XXXX/2016 AND THEREFORE THEY WILL BE ADDITNG 15 DAYS TO MY INVESTIGATION now ending on XXXX/XXXX/16. 
The second correspondence was not " additional information '' and was completely unrelated. I am applying for needed credit and need these matters resolved within the time frame allotted by law. My disputes should be resolved by XXXX/XXXX/2016. 30 days not 45 days. 
Thank you. XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX  XXXX XXXX XXXX owned by XXXX XXXX, XXXX gives notice of an account balance of {$610.00} sold on XX/XX/2021 to Spring Oaks Capital , LLC who now is owner. 

Although XXXX XXXX, XXXX states the notice is not a bill and not to send payments it gives myself the impression that any payment should be forwarded to Spring Oaks Capital , LLC of which I am confused about.
Product: Student loan

In XXXX and XXXX I have a combined of 14 past due payments. One of {$30.00} a month and one of {$70.00} with Navient. 

{$33.00} payment per month in XXXX - XXXX, XXXX, XXXX were paid late. XXXX - XXXX, XXXX, XXXX were late. I only have {$950.00} balance left on this loan and since XX/XX/XXXX I haven't missed a payment and they all have been on time for 11 months in a row after finding this out. 

{$70.00} payment per month in XXXX - XXXX, XXXX, XXXX were paid late. XXXX - XXXX, XXXX, XXXX were late. I only have {$2000.00} balance left on this loan and since XX/XX/XXXX I haven't missed a payment and they all have been on time for 11 months in a row after finding this out. 

I was unaware that these were past due at the time and was not notified by Navient during those times. During those years I was unaware that my student loan monthly payments were not going through. These marks on my credit payment history are keeping me from being able to finance a car, home, etc. As you will find I have ensure the past year to pay on time all of my monthly payments and have even raised the per month to pay off my loans faster.
Product: Mortgage

On XX/XX/2018 I was approved for a streamline modification. The payment amount expressed was {$740.00}. 

Payments were made in the amount express XX/XX/2018 {$740.00} XX/XX/2018 {$740.00} and XX/XX/2018. 

Payments were completed successfully on XX/XX/2018. 

XX/XX/2018 receive Congratulations letter from SPS Servicer on XX/XX/2018 That I was approved for a modification and the {$750.00} and if accepted must signed agreement and return by XX/XX/2018. 

On XX/XX/2018, I contacted the Sps to informed them I have not received the executed documents back on their end. 
I was told the payment was {$820.00}. 
I told him that payment was higher than expressed signed correspondance agreed. 

I was told they would check it out was a hold up on sending me the executed agreed modification papers On XX/XX/2018 XXXXps rep called me very rude trying to make me pay and oral amount instead of the Express agreed amount. I hung up and first told him he was unfair to the consumer to ask me to pay more than agreed On XX/XX/2018, I called back to speak with a supervisor. I was told that they could not help me and I also informed them my tenant has died. 

I asked to delay payment to give the spouse time to apply for husband benefits. Inform them because of a change in circumstances because of the death. Tenant was not able to pay. 
Asked Sps to delay payment.

Sps said they had not sent the executed modification docs received by myself because the payment had change. 

So I have been misled and had to file a complaint since that was not what I was credit and approved for and could not afford. I already had to pay {$3000.00} for water Bill 's for this tenant out of my on pocket that now I cant even pay my own bills.