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

i have been challenging the accurate reporting of account for XXXX to all 3 credit bureaus for 6 months and this always comes back verified as accurate ... how can this be when the reporting is not 100 % the same within all 3 bureaus ... in fact equifax has yet to even add the comment saying it is in dispute that in itself is a violation ... .high credit limits are not consistant between the 3 bureaus, credit limits are not consistant between the 3 bureaus, comments are not consistant between the 3 bureaus, date of last active are not consistant between the 3 bureaus, date of last payment are not consistant between the 3 bureaus, look also at the 2 year history on the bottom as well are not consistant between the 3 bureaus ... ..they have obviously not conducted proper investigations ... they are pencil whipping ... .they need to be held accountable as this account is not reporting 100 % accurately ... delete this now
Product: Credit reporting, credit repair services, or other personal consumer reports

I am getting a mortgage in a year, so I have been paying down debt that is the result of a divorce. According to XXXX XXXX web site ( they just increased my line, by the way ) my credit score is XXXX, which is good. But the XXXX site shows it as XXXX, which is poor, and they state that it is provided by Transunion. I recently ordered all three agencies ' credit reports and they are identical. I called Transunion today and got a bunch of evasion from the rep. I know that Transunion is currently being sued. 

I am trying to raise my credit score to XXXX in the next year, and I am on my way. But Transunion will make that impossible. 

Can you help?
Product: Credit reporting

In 2015 I noticed a collection action on my EQUIFAX credit report which I disputed to no avail. I complained to the XXXX XXXX XXXX XXXX XXXX XXXX ( attached ) and received a response from a debt collector ( attached ) resulting in the debt being removed. 
I notice that an incorrect Social Security Number, XXXX, is reported on my EQUIFAX credit report and I believe that it appeared in conjunction with the erroneous collection action. 
I need the incorrect Social Security Number, XXXX, removed from my EQUIFAX credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I accepted a loan for {$2000.00} with OPPLoans and {$170.00} to be deducted for 12 months totaling {$2100.00}. 

On XX/XX/XXXX I submitted a request/complaint to stop payments from being deducted from my account to both OppLoans and my XXXX  XXXX XXXX account after realizing they were deducting money twice a month instead of once a month. By this time a total of {$1600.00} had been paid of the {$2000.00} debt agreement to be paid off in12 months of {$2100.00}. 

I made a final payment on XX/XX/XXXX of {$170.00} for a total of {$2100.00} the amount agreed and signed to on XX/XX/XXXX. I submitted proof of payment to both OppLoans and XXXX XXXX XXXX unfortunately, XXXX XXXX XXXX complied with the request/complaint while OppLoans sent it over to collections as not being paid in full.
Product: Debt collection

I have been receiving 3-4 phone calls a day from Southwest Credit from multiple phone numbers. I have answered a few times and asked them to stop calling as they are calling a business phone. I do not have any outstanding debts that need to be collected on. The phone calls have increased, and now they are calling at all times of the day. This is a violation of the FDCPA in which this company has called me well more than 7 times in a seven day period, calling before/after the the allotted times. This company is harassing and violating the FDCPA and needs to be stopped.
Product: Credit reporting

use credit union has over 8 year old bill on equifax please remove
Product: Checking or savings account

Navy Federal credit union told me that if deposit was cash my money will be available immediately with a Co op atm. 
I have a family emergency now I can not make it due to them putting a hold on my account. 
They won't contact or have a 3way with the other back to the bank atm company to verify it was a deposit with cash. 
Navy Federal stated that on their side it does not show if it was cash deposit. 
I have been trying for 3 days going back and forth with Navy Federal and XXXX XXXX XXXX XXXX XXXX on getting a company of my deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft has happened to me. I've attached my ID and a copy of my identity theft report to verify that this dispute was lodged by me. These charges are not included in the list since I did not make them. I meet all of the requirements for Blocked and Removed entries on my consumer report under 15 USC 1681c-2. Failure to comply is a as a consumer, my rights have been violated.
Product: Vehicle loan or lease

When I pay additional funds beyond the payment amount, they just add more interest payment, rather then apply to extra to the principle balance. 
I'll give you an real life example from the Kia Finance site. 
the payment due is XXXX. 
XX/XX/year> I sent XXXX, they apply XXXX to principle and XXXX to interest. 
XX/XX/year> I sent XXXX, they apply XXXX to principle and XXXX to interest. 
XX/XX/year> I sent XXXX, they apply XXXX to principle and XXXX to interest. 
XX/XX/year> I sent XXXX, they apply XXXX to principle and XXXX to interest. 
XX/XX/year> I sent XXXX, they apply XXXX to principle and XXXX to interest. 
XX/XX/year> ( no payment due ) I sent XXXX, they apply XXXX to principle and XXXX to interest. I called and complained, they made the adjustment. 
XX/XX/year> ( no payment due ) I sent XXXX, they apply XXXX to principle and XXXX to interest. 
I have called 4 times including today. I was told just as in the past that it will be corrected. 
I was also informed that I need to call them each month so they can apply the additional payment to principle. 
I've had car loans with others, that automatically any additional to the principle.
Product: Checking or savings account

From XXXX to now I been trying to obtain funds out my XXXX account with pnc bank and returned them to the issuer as they instructed me to do so bank will not send back or release them to me so I can do so, with this taking place a legal matter is getting ready to occur with if I dont get the funds back
Product: Debt collection

Comenity bank continues to harass neighbors, relatives, and friends regarding my past due account. I have advised Comenity bank that I suffered a XXXX XXXX in XXXX. I am trying my best to recover and pay the account in full without filing for bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 MIDLAND FUND Collection Agency added deragatory marks on my credit report acct # XXXX per XXXX XXXX. Upon further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection and there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, ( XXXX ) has violated my rights as a consumer and I'm requesting legal action to remove this account immediately
Product: Credit reporting or other personal consumer reports

This is the second attempt to remove inaccurate information that You have prepared inaccurate and incomplete consumer reports concerning me and published said reports to third parties in violation of the Fair Credit Reporting Act ( FCRA ). Unfortunately, your unlawful conduct has caused me a lot of stress and financial harm, including worry and other distress, out of pocket costs and expenses, and loss personal credit opportunities. 

The following tradeline that you prepared and published about me is inaccurate and incomplete : DPT ED/XXXX XXXX  Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not do business with these companies. Please remove everything, including these other accounts : 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 with a Credit limit of XXXX. Also, these credit card accounts were closed due to some unknown charges after it got stolen : XXXX XXXX, XXXX XXXX Balance XXXX, XXXX XXXX Balance : XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  Balance XXXX. These are unauthorized charges made by someone else. Lastly, this is another Fraudulent inquiry that I want removed : XXXX XXXX  Date : XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company Called diversefied consultants keeps reporting a debt from XXXX XXXX on my credit report. 
The dates are wrong, the balance is incorrect, everything is incorrect. I closed the account with a XXXX balance .... They offered free of charge to come pick up there equipment from my home and then a few months later sent me a bill for picking up the equipment and also at the same time for not returning the equipment. So they charged me for keeping the equipment and for them picking it up ... .. This is happening as well to alot of other consumers from what ive heard ... ... and its a scam and a crime. I work hard to keep my credit report atleast halfway decent, and if i charged something i would accept responsibility. But i didnt. 

And here is the kicker. Ive already had this removed from my report twice. And the credit bureas will remove it and then 6 months later let them re-report it ... ... Unreal ... so its back and forth with these scam artist blackmailing consumers. 

Ive heard rumors that my state attorney general is even looking directly into these con artist. 

I need help with this .... I shouldnt be punished for paying my bills on time and being a good citizen by some thugs intimidating people into paying them hundreds of dollarz for nothing or they will destroy your credit. 

Its sad that i have to take it this far. But i dont know what else to do ... .im so aggraveated, every account on my report is good standing perfect ... .and then there is this blackmail account dragging my score down so i cant get a home, a car, nothing because of XXXX   XXXX and diversified consultants which im sure is just a dba of XXXX  no doubt. What a scam. They have probably wrote the equipment off as a tax loss too when they know good and well they got it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 


XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX
Product: Credit card

I've never faltered in my commitment to timely payments. The impact of this error on my XXXXl well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been to www.experian.com several times during XX/XX/2021. There is no way to dispute their report that I am using % 40 of my credit. I called to discuss this with them on XX/XX/2021. I called several times and I keep getting transferred and disconnected. The problem they can not understand or explain is why all my creditors have reported paid in full, no late payments, and several closed accounts, Experian still cites % 40 usage as the reason for my low credit score.
Product: Debt collection

XXXX XXXX XXXX received medical care at XXXX, XXXX during the period XX/XX/2019 - XX/XX/2019. I am the parent of XXXX XXXX XXXX and the Primary XXXX. My health care insurance at the time, XXXX, provided 100 % coverage of all medical costs with no copay. I subsequently received an invoice from XXXX in the amount of {$370.00} under the XXXX ID # XXXX. All balances due to XXXX are payable by XXXX, however I was informed by XXXX that the amount was not paid because XXXX  submitted an invoice from XXXX XXXX XXXX  XXXX, rather than from the entity which provided the medical care, namely XXXX  of XXXX, XXXX. I have exhausted all reasonable efforts to resolve this matter directly with XXXX, including making telephone calls and sending a letter via certified mail to XXXX. Notwithstanding the fact that XXXX warranted to me via telephone that it would properly submit the invoice, it simply continues to bill me for a debt which is not owed by me and is outstanding only due to XXXX 's negligence, and has now submitted the invoice to a collection agency, Transworld Systems XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Ingo money, XXXX XXXX, serve acct # XXXX XXXX XXXX Porte acct # XXXX XXXX XXXX XXXX ( closed now ) Been using Ingo money for years paying 5 % and now refused to serve my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft and I have filed a compalint with the FTC with the reference number XXXX. The credit bureaus XXXX and XXXX have both removed the XXXX account from my reports as required by FCRA law. However, Experian has not. 
Experian is still reporting inaccurate information for the XXXX account number # XXXX. 

Experian has surpassed the 5 days to delete according to the FCRA laws ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  Balance Owed : {$410.00} ; XXXX SELF-REPORTED XXXX Balance Owed : {$61.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$7400.00} ; XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX  Balance Owed : {$7800.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am a legal aid attorney submitting this on behalf of my client XXXX XXXX, who has a mortgage serviced by Citizens One Home Loans. 

Borrower : XXXX XXXX Servicer : Citizens One Home Loans Subject Property : XXXX XXXX XXXX, XXXX XXXX, LA XXXX Loan # : XXXX My client applied for and received {$21000.00} in Homeowners Assistance Funds to reinstate her mortgage ( see benefits award letter attached ). That money was wired to Citizens, according to the eligibility analyst at Louisiana 's Homeowner 's Assistance Fund, but Citizens has not applied the funds to my client 's account, nor have they provided any explanation as to why they haven't applied the funds to my client 's account. 

We have repeatedly contacted my client 's single point of contact at Citizens, but have received no response since XX/XX/2022. 

I sent a qualified written request and notice of error to Citizens regarding this issue on XX/XX/2022 ( attached ). I have not received an acknowledgement or response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors 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, FL XXXX, XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX. XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX - XXXX XXXX Inquired on XX/XX/XXXX 2022
Product: Credit reporting or other personal consumer reports

Unauthorized Recurring Use of Personal Information For XXXX XXXX XXXX XXXX- XXXX XXXX XXXX CFPB, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CITIZENS BANK, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for sending me unwanted marketing materials. I am experiencing a high volume of these materials and they have repeatedly used my information despite explicit requests to cease and desist. Specifically, these instances have risen in volume within the past two years without my knowledge or consent. This did not happen with this much frequency in previous year 's. For example : Numerous emails, physical mail, and even text messages or various promotions and services. These companies marketing sales forces appear to be generative a.i. based on my personal information which includes my full name, address, email and business name. I believe this is aggressive targeting advertising based on my demographic and is shared with other companies and/or affiliates. Just recently, as of XX/XX/XXXX. I have received yet another marketing sales offer from XXXX XXXX, and CITIZENS BANK. The caller stated that their name was XXXX XXXX and that they were a 'business sales specialist in their office branch location ' This is a clear indicator that my numerous attempts to cease this activity is being tracked, monitored, and utilized without my consent. And any attempt with law enforcement to resolve this issue has not been fruitful nor has it yielded any result. I have estimated around XXXX attempts to stop this unwanted contact and disclosure of my personal data. From my recollection, starting from the summer of XXXX  and continuing to date. This is evidence of my data being used for lead ad generation. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) Seems to be influencing this type of marketing. Phone calls were made and my discontent was expressed. I have also tried again and again to unsubscribe, get off the list, but clearly have not been taken seriously. This, as expressed in my numerous phone calls is a blatant invasion of my privacy, a waste of my time, and disrupts my daily activities and causes significant distress and fear.
Product: Mortgage

I sent my mortgage payment through XXXX XXXX on XXXX for {$1200.00}. It was deposited by Newrez  on XXXX, and I can see the endorsed check on XXXX. On XXXX I read an email from Newrez sent the night before ( XXXX at XXXX ) that my payment had not been received. After checking with XXXX to be sure the payment had been sent, and deposited, I contacted Newrez through their chat line to ask why the payment had not been applied to my account. I was unable to save the chat since Newrez does not offer a function to download the chat, and I didn't get a screenshot in time. I was asked what address I sent the check to, and what account number was on the check, both of those checked out as correct. I was then asked to provide proof that the payment was sent, and I was able to upload the proof from the bank. However, there is no way to confirm or see what I sent on the account webpage. I got a form email on XXXX confirming that they received my request, but no mention of what the request was. On XXXX I used the chat function again to see if anyone had looked at the proof of payment. The agent on the chat said that they were waiting for proof of payment from me. I told them it was uploaded last week. They said they would check, and after a couple of minutes confirmed that the proof of payment was there, and that they would apply it. I asked if it was being applied to my account, and they said yes, but later said they would be researching the payment and it would take up to 5 days to apply it to my account. They also said a letter confirming that I had uploaded the proof of payment had been mailed to me last week. A letter is a very slow way to handle a late payment. At this point I asked to speak to someone who could take some action on my account, and was told I could not, as payment processors were not customer facing, or something to that effect ( the agent closed the chat before I could take a screen shot. I believe this is intentional on their part. ) I asked to speak to someone with some authority, and was given the customer service number. I called, and finally spoke to someone who was able to look at the proof of payment, was able to tell me that everything on my end was correct, and that Newrez did deposit the check, but that he could not see to which account. I was told this should be resolved by XXXX. Not will be, but should be. They can see that I paid, I fail to see why I need to wait for them to figure out what they did with my payment. They should update my account to show that the mortgage payment due on XXXX was paid, and handle looking for the money on their own time. This is not the first mortgage company that my loan has been sold to, but it is the first to make it so hard to keep a paper trail of what is happening with my account, and it is definitely the first to deposit my payment, but not only not credit it to my account, but make it my problem that they mishandled my payment.