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

I just got a fraudulent email claiming there's a new derogatory mark on my credit report. According the email address in " sender '' it's definitely not one of the three credit reporting bureaus. See below ... 




From : XXXX XXXX Subject : A Derogatory mark may have been added to your XXXX TransUnion, XXXX, and XXXX Report Reply to : XXXX Sent : XXXX Sent on : Sun, XXXX XX/XX/2020 XXXX XXXX Your A Derogatory mark may have been added to your XXXX TransUnion, XXXX, and XXXX can be viewed at no cost using the link below ( Checking will not negatively impact your score ) View Your Score To unsubscribe please follow this link
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have a good relation with XXXX and have no outstanding payments.
Product: Credit card or prepaid card

On XX/XX/2020 I received an email that my American Express Bluebird card was suspended permanently due to violating section 22 ( d ) this was due to a recent review of my account. I have been with Bluebird American Express for 6 years. My payroll deposit was due to show up at the same time I received the email. So Bluebird is holding around {$700.00} of my money. I attempted to call the phone number on the contact us page and there is no option to reach an agent. The automated service advised that my account was suspended and hung up. I am not sure what the violation was either.
Product: Debt collection

Central Portfolio Control callback number is XXXX. Has contacted me several times starting XX/XX/XXXX. On XX/XX/XXXX they called and spoke to me directly. Since then they called again leaving messages on XX/XX/XXXX and XX/XX/XXXX. 

In addition to these calls and messages on my phone. They called my place of employment on XX/XX/XXXX, and my grandmother on XX/XX/XXXX. 

They have already spoken to me, and have all of my contact information, they should not be calling third parties.
Product: Credit reporting

I have multiple accounts on my credit report that are reporting incorrectly. They were opened fraudulently with my social security number, my name ( wrong middle name ) and an ID from Pennsylvania with the wrong address and a photo that is not mine. None of the companies agree that this debt is not mine and most of the fraudulent files are reporting to all XXXX credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,   XXXX   I was doing refinancing of my Mortgage and my credit was ran and the loan  officer  discovered that I had just received a student loan and my response was that I do not have any student loan. Here is the info about the student loan :  XXXX   XXXX  Account :  XXXX   XXXX  on  XXXX   Amount  : {$1000.00}
Product: Debt collection

XXXX XXXX. has committed multiple federal violations of my consumer rights. I was never contacted or notified about any alleged debt and I was also improperly served on the date of XX/XX/2023 Title 15 U.S.C. 1692g ( c ). 
XXXX XXXX. moved forward with legal suit against me XX/XX/2023, without disclosing the fact that I am able to dispute any alleged debt ( Title 15 U.S.C. 1692e ( 2 ) ( A ) and ( B ), Title 15 U.S.C. 1692g ( C ) & ( d ), Title 15 U.S.C. 1692e ( 4 ) & ( 14 ). XXXX XXXX. hiring debt collectors for this alleged debt also violates Title 15 U.S.C. 1692j ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I am XXXX XXXX and i am submitting this compliant myself and there is not third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 
I spoke with Target in XXXX XXXX XXXX. In the recorded conversation I requested to verify through physical verification of the original signed consumer contract for any and all accounts that they post on my credit report. 

I asked that proof be mailed to me for all accounts on file. I advised that according to the Fair Credit reporting Act, Section 609 ( a ) ( 1 ) ( A ) that you are required by federal law to verify and Target did not.
Product: Mortgage

Mr. Cooper has been charging me for PMI at {$58.00} per month. I requested PMI be removed SEVERAL times. I owe {$40000.00} and the home is valued at {$200000.00} per XXXX and comps in the area. I placed my request in writing to them XX/XX/2020 after several phone calls. I received a response that it would take about 6 weeks. Nothing happened. Again, I called and was told in 2-3 days ; nothing has happened. I am still be charged {$58.00} per month.

Please help me get a refund and get this unlawfully charged PMI cancelled. Thank you for your assistance.
Product: Credit card

I was offered to sign up for a store credit card by an employee. i like to shop but i felt ripped off. because alot of the items i purchase was low in cost. first the cashier told me my payments were only XXXX a month and it would not change and when i look my card was getting hire in cost. well i did make several arrangement that was not kept by the customer service. it starts of good with these cards then they become harrasing charging over the limit fees and late fees and other hidden charges. there was some insurance they ask me to sign up for and they ask me to call all over to remove the service. I felt i made small purchases and my account should not have went over. they also tried to sign me up for some hard ship program and later close the account with out me knowing or keeping it open. That the product i purchase on my card was not allowed to be returned to the card. they need to check and make sure the items that they are selling are really from their store.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting acct XXXX has violated my rights 15 USC 1681 section 602 states that i have rights 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 1666b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

Aargon Agency claims I owe them a debt of {$940.00} from XX/XX/XXXX. They claim its related to an old ER visit. 

My first issue is this, I was not in the XXXX  anytime around XX/XX/XXXX. 
My second issue is that I have maintained health insurance since before and much after that point and they have no record of me owing any amount in excess of any medical bills currently. 

When I spoke to Aargon Agency on several occasions I attempted to help figure out the mix up. As they persisted this was my debt to clear I requested some sort of verification from the original creditor. They sent me a copy of their collection account that did not have any information about me or how the debt was incurred. 

I requested another form of verification that would not only show me where the debt came from, but also at the very least have my information associated to it. They ignored my request and never got back to me. After they failed to provide me with this information at the start of XXXX I requested that they stop attempting to collect and delete the inaccurate information from my credit report until they could prove that it was indeed my debt. Again they ignored me and continued anyway without any further attempt to actually help me resolve the debt.
Product: Credit reporting or other personal consumer reports

I wrote Experian on last month concerning a late payment that should not be reported on my consumer report as late or delinquent Experian has failed to do a proper investigation and to update my payment as paid on time. 

See documents an attachments
Product: Credit reporting or other personal consumer reports

XXXX sent me a forgiveness letter XX/XX/2XXXX Experian stating the furnisher provided them information on two disputes that my balance is not XXXX. Experian refusing to fully investigate the dispute and reporting inaccurate information on my credit report. The account is closed with a XXXX balance. XXXX could not have reported my balance of {$29000.00} in XXXX and my ledger balance from there online portal is XXXX. Please see photos of my XXXX account, forgiveness letter, screenshot of disputes not resolved since XX/XX/2XXXX
Product: Consumer Loan

I XXXX XXXX hereby disputes the fact that VW Credit Inc still maintains a negative reporting item on my credit report, respectively on XXXX XXXX, XXXX and XXXX collectively. I originally closed on this vehicle loan on XXXX XXXX, XXXX. I was at least 30-days late on XXXX ( XXXX ) different occasions in XXXX. VW Credit Inc. has cut off at least 30 months of my payment history to give the indication that my first late payment was XXXX XXXX. However, the payment history for even that date has been successfully cut off. This process of extending the late payment history is known by the Federal Trade Commission and the Consumer Financial Protection Bureau as re-aging of debt. The account should have become obsolete based upon the 7-year rule of maintaining negative account information back in XXXX. VW Credit Inc. is in strict violation of my Fair Credit Reporting Act rights as well as all FTC and CFPB mandates upholding the 7-year rule. Accordingly, I demand either a complete payment history of the attached account, including copies of all payments, or the deletion of the account completely. I did protest this account with all credit bureaus, and I attach the most recent XXXX XXXX credit report to confirm that the account is still posted with at least 30-months of payment history cut off purposely. I demand this account to be removed immediately and permanently!!!
Product: Mortgage

I purchased this property in XXXX for {$65.00} it was an arm buy .The mortgage ballooned to 9.5 % interest rate I have tried 3 times with XXXX  to refinance this loan .I purchased a house in XXXX in which my interest rate in 3.5 % from another lender. Every time I've tired to get the rate lowered XXXX always turn me down .In this time a 9.5 rate is unheard of my credit is not bad either .XXXX  has stuck me with a Predatory loan I had this loan for 13 years I paid XXXX and as of today I still owe XXXXplease help if I could just get it lowered a few points what make XXXX think if I can pay 9.5 % I cant pay a lower interest rate this is not fair at all This loan is being transferred by XXXX to Select Portfolio Servicing on XXXX XXXX
Product: Debt collection

I filed a complaint, again, against National Credit Systems. I requested that they remove the collections from my accounts because my signature and that of my late husband, did not match ( not even close ) to the paperwork they have on file, I also filed an affidavit for Identity Theft as I have been dealing with that a lot more lately. 
They have removed the collections from my XXXX report, but not from XXXX and XXXX. why is that? Will they please just remove it already. According to XXXX, it was voluntarily removed by National Credit Systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a police report with our local police department, case number XXXX, in regards to XXXX XXXX XXXX XXXX, and XXXX XXXX accounts that do not belong to me. I disputed these accounts with XXXX Transunion and XXXX  and also provided them with the police report. 

After their investigation, XXXX  Transunion, and XXXX refused to remove these accounts. Yesterday, I contacted XXXX fraud department who agreed that these accounts did not belong to me. XXXX  fraud department can be reached at XXXX XXXX XXXX XXXX XXXX. ( I spoke with XXXX XXXX. 

On a hunch, I decided to look at my husbands credit report, and bankruptcy creditor list from a few years ago and found his old XXXX  XXXX account listed on my credit report, I have never been a joint account holder on my husbands XXXX  XXXX, or XXXX  XXXX accounts. 

As of now, I do have an active XXXX XXXX credit card. The other charged off XXXX XXXX accounts do not belong to me which doesnt make sense that XXXX XXXX would issue me a credit card if I had recently charged off to previous credit accounts. 

Bottom line, XXXX  Transunion, and XXXX are not investigating which has hurt my family and I financially in regards to being denied credit or better interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account from a company called Seqium showing I have a balance for a business account for internet at my place which I never had and currently still have the same companies internet so how could I owe them? It is only showing up on 2 of my reports in collections for XXXX I have sent them a certified letter stating to verify this information or remove it from my credit profile. I called them and they said they would dispute it and give me a call on the outcome and never heard from anyone at all. This a debt they allegedly say I owe.
Product: Credit reporting 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 XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account XXXX : XXXX  Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Inaccurate addresses on my credit report, Inaccurate phone numbers on my report also inaccurate employment on my credit report. Need these things updated immediately.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy I have never been late on payments for the account XXXX XXXXXXXX # XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on times as they should be as I was NEVER late. Thanks
Product: Student loan

When I graduated with my XXXX XXXX in 2007, I had intended on taking part in XXXX program. However, I was not offered any information about this even when I called many times- it was always unclear. I did not get a teaching position right away and therefore could not afford to pay these loans, so they went into deferment. When I called about this, they immediately put them into deferment instead of offering me information about income based repayment plans. I ended up learning about this from a friend years later. These smaller payments could have been made and would have counted towards my XXXX  years of payments had I known. When I did get a teaching job and found out about the IBR I needed for the program, they did not tell me I needed to consolidate my loans in the beginning. Then, when I went back for a second XXXX XXXX, without notice, my loans were ere back in in-school deferment. Again, all of these payments could have been counting towards my XXXX  years for forgiveness. Now, I am years behind because of lack of information given about programs and deferments. With the waiver in place this year to potentially make it easier to get forgiveness through the XXXX this year, Im afraid that even though I have been in public service- teaching- for XXXX years, I might miss out on this opportunity because because my loan providers were never straight forward with me on how to make this work successfully in my favor.
Product: Debt collection

I received a call on XX/XX/XXXX at about XXXX from a representative for Evergreen Financial services named XXXX XXXX. XXXX told me that the payment was in default and she needed a payment in full. I told her I don't have the full payment, I have the {$190.00} we originally agreed upon. She insisted that i needed to make a payment in full ( which was a lie ) and asked if I had a credit card. After another exchange of words she asked if i could make a {$200.00} payment. I told her if that's what she needs, then I guess so. I gave her my debit card information and she process the payment with the confirmation # XXXX. Ask for her name and told her I was reporting her. Ms. XXXX 's unprofessional behavior and communication tactics are harrasing, misleading and hurtful.
Product: Debt collection

On XX/XX/XXXX a medical collection for XXXX dollars should up on my credit report from commonwealth finance located at XXXX XXXX XXXX XXXX PA XXXX without my knowledge or consent my medical insurance paid this debt. Plus in XXXX of last year they past a notice that said medical debts under XXXX will not should up on my credit report and it also stated that i would have at least a year to pay the debt it it was minds.This is lawful practices and against the law.Please remove from my credit report.
Product: Checking or savings account

On XX/XX/22 I called fraud services at US Bank to report unauthorized use of my visa debit card. A claim was established, replacement card was received, and provisional credit was received by XX/XX/22. On Monday XX/XX/22 I used my card for a coffee purchase and it worked. Went to the ATM at XXXX pm pst same day to pull out cash and the ATM message indicated the account was invalid. Went into the branch located in XXXX CA and was told they have no info to call the customer service number. Called the toll free customer service was hung up 2x during a transfer and was told my account was being closed and I would receive my account balance within 3-5 days via cashier check. Have not received anything to date. Called the Fraud Department who would not give me any information regarding the hold of my funds and was advised I would receive a notice in the mail. I called again and was told that my account has a back end department hold until the fraud claim has been resolved and they refused to tell me why other then in their own words " they can do what they want and do not have to advise me of anything ''. I was then told they may hold my funds for up to 90 days. I received a notice in the mail today XX/XX/22 dated XX/XX/22 stating they have elected to close my account, no explanation again as I was advised by a person it would indicate. The notice notes my funds would be released after al outstanding obligations are met and at that point I was receive my funds within 15 business days. 

I have no outstanding obligations. The bank is holding all my funds which exceed the provisional credit they applied to the account. In the mean time I have wen to another bank and am now dealing with late fees, late payments ect because i can not access {$5400.00} that is rightfully mine. Please also note that when I spoke to the fraud department and brought up my concerns with outstanding payments which include my mortgage I was assured it would be paid... it was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

This involves XXXX, XXXX and Equifax. The case about debt collection with XXXX XXXX XXXX is in court. The judge dismissed the request for a summary hearing. Yet for the past year these 3 credit report bureaus have been affecting my scores by reporting it as a collections I owe. I dont know if they are higher than the law or the courts in the land. I sent them a copy of the judgement and they still did nothing about it. XXXX did not even bother to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did it provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. These transactions are not related to any of the previous transactions by me the consumer. 
Account name XXXX Date of INQUIRY XXXX Actions taken- identify theft report filed, multiple disputes filed with both lender and credit bureaus. I am requesting under the law that this account be removed and blocked from my consumer report four business days from the reception of this letter
Product: Credit card or prepaid card

I received a credit card in the mail from XXXX XXXX that I did not apply for. When I contacted them they asked me to call the Bank that opened the credit card Commenity Bank. When I called them they said someone had used my identity, my social security and date of birth to open a credit card in my name and had charged {$570.00} on beauty products. They have closed the account and I have also contacted XXXX  to place a fraud alert on my account. I am fearful of new accounts being opened and so am reaching out to you ... 

Thank you
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX of XXXX grid took out XXXX fee payments of {$10.00}, XXXX of them on XX/XX/XXXX the other XXXX were taken out on XX/XX/XXXX. When I XXXX  contacted Grid customer service they said that it was within their right according to their terms of service to take multiple payments at XXXX time for fees to their subscription service. I kept contacting them about the issue asking them to credit the payments back to my account and this led to them telling me I had another old account which is the account the fees were associated with. This account had been closed in XX/XX/XXXX with no balance owed. I wrote again asking them to credit my bank account the {$160.00} and they replied back that they couldn't reimburse me for the charges because they had already processed the application for my Grid card.