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

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureau to validate this account ( A ). I hope this disputed account is updated. I've talked to the bank & they've agreed to update the account. BUT XXXX has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor PHH MORT SVC XXXX Date Opened : XX/XX/2006 Balance {$470000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

under 15 us code 1681b permissable purpose of consumer reports I never gave XXXX, equifax and XXXX any written consent to report anything to my consumer reports, so because I did not consent that means that is fraud. 

under 15 us code 1681a ( 2 ) ( B ) talks about exclusions from a consumer report any transaction supposed to be excluded from a consumer credit report. if a credit card which is social security was used in the transaction. the accounts listed below are all in violation of of both of these FCRA laws which i have tried resolving with the consumer reporting agencies and nothing has been done after multiple attempts. Because the violations are costing me a depressive life due to bureaus not following laws they should be held liable and repsonisble for fixing it. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX  resident. Credit Reporting Agency TransUnion not immediately removing a paid medical debt. I have filed three disputes and two investigations did not remove the accounts from my report. The third account is currently being re-investigated. The collection company reporting the negative information is XXXX XXXX based in XXXX XXXX. 
The company reported a medical collection that was over three years old after I paid a current collection to their company. I contacted the original creditor which is a medical facility and the notified my account was closed and was removed from collections however XXXX XXXX and TransUnion are still reporting. XXXX  has however clear the collection from my report after they completed a proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts I have provided. Please remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian had been informed by XXXX XXXX XXXX and myself that the two medical accounts was to be deleted from my credit report along with XXXX. They continue to report to wrong information along with inquiries that was disputed.
Product: Credit reporting or other personal consumer reports

My credit profile is showing that I have an open account and balance with Nelnet. Nelnet is no longer my student loan provider. My Nelnet account is closed and has a XXXX balance because my account has been transferred to XXXX. The issue I am having is that my credit report is showing 2 student loan account and balance. My credit reports shows a student loan balance of over {$100.00}, XXXX when it should only show a balance of around {$52000.00}. I have disputed the balances with all 3 credit bureaus but my account won't update to reflect the correct information. I only have 1 student loan provider and that is Nelnet.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I pulled my credit report from Experian and I found the following discrepancies that in accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. Account name : XXXX XXXX, Account number : XXXX Credit card opened XX/XX/XXXX Account charged off {$9200.00} That credit report states that the last payment date was on XXXX however according to their acct history, it states that on XXXX & XX/XX/XXXX payments were made. See attached Credit Report History. Information on XXXX also differs. 

XXXX. Account name XXXX XXXX XXXX XXXXXXXX XXXX, Account number : XXXX Date opened XX/XX/XXXX states that there is an Account charged off of {$5000.00} however {$14000.00} is now past due. There is a mayor discrepancy on your files, written off was {$5000.00}, balance says {$14000.00} and past due {$14000.00}. Three different amount for the same account is unacceptable. Your records show that the last payment date was on XX/XX/XXXX however your payment history doesn't match because that states that payment were made until XXXX No Data was posted on XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account appears in XXXX under the name of XXXX XXXX with a different account number. See attached Credit Report. 

XXXX. Account name : XXXX XXXX XXXX XXXX, Account number : XXXX Date opened : XX/XX/XXXX Account charged off. {$5100.00} XX/XX/XXXX. According to your records the last payment was on XX/XX/XXXXXXXX  however on your payment history it states that in XXXX as well as in XXXX I was 30 days past due. 
Another discrepancy. See Attached Credit Report. 

XXXX. Account name : XXXX Account number : XXXX Date opened : XX/XX/XXXX Status Closed. {$2200.00} written off. 
According to your records my last payment was on XX/XX/XXXX however according to your payment history this account was cuarenta until XX/XX/XXXX and in XX/XX/XXXX ND. See Attached Credit Report. 

XXXX. Account name : XXXX XXXX XXXXXXXX, Account number : XXXX Date opened : XXXX XXXX, XXXX Collection account. {$1700.00} There's no furnished data from XXXX I have no knowledge of this account. See Attached Credit Report. 

These account discrepancies are hurting my credit and I need this resolved A.S.A.P.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion are reporting incorrectly a collection/chargeoff, as well as ( 120 ) days  late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and therefore there is no payment to be late on and no balance to collect/chargeoff. This false reporting of lates and a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had contacted EQUIFAX XXXX when I was applying for a mortgage to purchase a house. 
The bank noticed Equifax had someone's else 's name and address as well credit cards on my report as well as having me living at addresses I never lived at, different last names, and credit cards I did not have. I tried hundreds of times to contact EQUIFAX at the number they gave me to resolve these issues but could never get the same person twice, no one answered or I was placed on hold for over 30 minutes. I also contacted my congressman and tried to get this resolved. I did get some reports from EQUIFAX -- -AND THEY STATED THE ISSUE WAS CORRECTED- HOWEVER I NOW JUST FOUND OUT THEY NEVER FIXED THE INCORRECT INFORMATION AND WRONG CREDIT CARD NOT BELONGING TO ME.THE BANK NOTICED THIS. 

It is now XXXX and I am applying for a refinance -- and CONTRARY TO EQUIFAX STATEMENT IN XXXX THAT THE ISSUE WAS RESOLVED -- - IT WAS NEVER RESOLVED AND I STILL HAVE A CREDIT CARD WITH A BALANCE THAT IS NOT MINE. MY OTHER CREDIT REPORTING COMPANIES ARE CORRECT WITH THE INFORMATION AND I HAVE CREDIT REPORTS OF OVER 800 WITH THE OTHER 2 COMPANIES. EQUIFAX IS STILL IN ERROR AND I WANT TO BE PART OF THE LAWSUIT AS THEY HAVE RUINED MY REPORT AND RATING
Product: Credit card or prepaid card

On XX/XX/2023, I made an online purchase of {$25.00} with XXXX XXXX. 

On XX/XX/2023, an automatic payment of {$25.00} was made to bring the account to {$0.00}. 

I received a letter from Comenity that my automatic payment was returned and that I had a balance of {$25.00}. My financial institution informed me that Comenity bank had my payment returned back to them. Per my financial institution, I also had sufficient funds in my checking account to cover that payment. ( Please see letter from my financial institution ). 

Besides reversing the {$25.00} payment, Comenity charged me another {$25.00} late fee on XX/XX/2023 as well as a minimum finance charge in the amount of {$1.00} as well as another {$0.00} for finance charges. 

Then on XX/XX/2023, Comenity charged another {$25.00} returned check fee along with {$0.00} financial charges. 

Then a payment of {$25.00} was applied to my account on XX/XX/2023. Another payment of {$25.00} was applied on XX/XX/2023. At that time, I should have had a positive balance on the account. 

However, on XX/XX/2023, Comenity did a payment adjustment in the amount of {$25.00} when I called and spoke to a supervisor to dispute their error. On XX/XX/2023, finance charges in the amount of {$4.00} was refunded. My balance should have been XXXX. 

Then, on XX/XX/2023, Comenity charged me a late fee of {$29.00}, on a balance. I was under the impression that everything was taken care of. 

On XX/XX/2023, Comenity charged me minimum interest charges {$2.00}. 

Then, on XX/XX/2023, I finally received a letter from Comenity that they were unable to resolve the dispute. They asked me to provide a letter from my bank indicating that they did not return the payment ( a copy of which is attached ). 

Now I logged into my account and found that the balance on my account is {$58.00}. I immediately called Comenity and asked to speak with a supervisor. No supervisor was available. 

I should have NO balance on this account.
Product: Credit card or prepaid card

XXXXXXXX

PLEASE REVIEW AND OPEN ME MY ACCOUNT.  I WAS INVITED BY YOUR COMPANY TO APPLY, I DID. MY SCORE IS XXXX I really need this account to be opened. see attached.
Product: Debt collection

My parents have been receiving phone calls on an almost daily basis from XXXX, XXXX XXXX XXXX. My mom was given a reference number and a number so that I could contact them. When I called it was brought to my attention that Paypal had requested they start a collection process from me. I contacted Paypal only to find out that there were multiple accounts opened under my name, which have since been closed. Never have I opened or used a Paypal account. They were made aware of this, but somewhere between Paypal and XXXX the communication was lost.
Product: Mortgage

I asked my mortgage company, PHH Mortgage, if I could make bi-weekly payments. I was told that their company no longer accepts bi-weekly payments, and that even if I sent them it would not accelerate the amortization of my mortgage -- i.e. they would still treat my bi-weekly payments as monthly.
Product: Money transfer, virtual currency, or money service

I was supposed to receive money from others but it was tacking I am invalid in a cash app lawsuit
Product: Mortgage

I would like to know why this company makes it so difficult to get answers. There is no help or message/contact us on their website under our loan. Why? Its like they avoid customers. They are awful to deal with. There is no separate escrow department with staff that deals with only this. They expect anyone to help you who picks up the phone and they are not knowledgeable. 
This is about our escrow shortage. We called in regards to this months ago, late summer or early fall, and spoke with an incompetent rep who had no idea what she was doing. She could not answer specific questions in regard to our escrow shortage, how much it actually is, where it went, are our payments going to go up, etc., etc. We asked for a supervisor and she left us on hold over XXXX minutes and then eventually disconnected the call. We were so frustrated we never called back. The reason we even called was in response to a letter we received, that i had a shortage of well over XXXX. 
When we entered into our forebearance during the pandemic we specifically discussed our concerns with escrow shortages. We were told everything was going to be put at the end of the loan and our payments would not go up. Then when we were ready to go back to paying that was not the case. They tried to not only raise our payments but also raise our interest rate! We had a huge battle, causing us to delay going back to payment for at least another XXXX months. It was a nightmare. Now we have a big escrow shortage. We want to know where this came from, we want it broken down. Why so much? Our taxes are not that high in XXXX. We were told our payments were not going to go up as a result of the shortage the last time we called but we frankly don't believe it. How could it not? That is impossible. Even if its not, fine, its still being added onto our loan. It never seems to go down. It was showing XXXX for over XXXX years now. We are not catching up. We want this explained to us, in detail.
Product: Credit reporting or other personal consumer reports

It has come to my attention that this bankruptcy is not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. It states that the US bankruptcy court is the furnisher, but I asked the bankruptcy court do they report data to any data furnisher and they replied they dont. If they dont furnish any data to you guys then there is no way that they are the data furnisher instead its actually you that are the actual furnisher and this account is reporting inaccurately. Therefore U.S. Bankruptcy Court XXXX  XXXX bankruptcy discharged Reference # : XXXX XXXX XXXX XXXX XXXX  Reference # : XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Reference # : XXXX
Product: Debt collection

Victoria Secret is reporting a charged off account on my credit reports that I have been disputing with them. I requested documents from them pertaining to this account and have not received or heard anything back from them and it has been well over 30 days. Per the consumer laws, it is my right as a consumer to dispute and address any creditor reporting inaccurate accounts or information on my credit report and it is their responsibility to acknowledge my dispute and conduct a proper investigation into the dispute. Victoria Secret is in clear violation of my rights and I am requesting that this account is deleted from my credit reports now!
Product: Credit card

cc of complain to XXXX XXXX : Ref XXXX Acct XXXX XX/XX/XXXX rebilling of XX/XX/XXXX of {$730.00} Dear Sirs : I hereby request immediate removal of this charge. I found it on-line shortly after the original posting and repeatedly asked for documentation from XXXX XXXX, XXXX XXXX, XXXX, and XXXX and received positively no documentation or justification for the charges. The rental was prepaid and charged to my account long in advance of the trip. Additional charges were added to my account when I arrived to pick it up. No further charges were mentioned when I returned the car, despite the fact that I was within sight of their office for over an hour while cleaning the car and they inspected the car long before I left and did not mention any damage. During my repeated requests for documentation for the XX/XX/XXXX charges, I made it plain that the documents were needed if any damage was claimed, since my card includes a collision damage waiver to cover any damage. That documentation must be submitted within 90 days of the charge and XXXX has neglected to make any submission possible by their negligence and complete failure to provide documentation. I agree to no further charges and had already paid MUCH more for the rental than the advertised amount, including a number of hidden charges. The car was returned clean and in good order. 
I have repeatedly telephoned XXXX customer service and have twice been told that illegible documentation appears on their screen and that I would receive it within 10 working days of the rebill. I have not and according to them, it is illegible anyway. 
I think you will agree that this situation is completely unsatisfactory. Please immediately and permanently reverse the charge. I have made every good faith effort to resolve this situation. XXXX XXXX has not. My understanding is that federal law requires you to remove these charges.
Product: Credit card

On XXXX XXXX, XXXX charges appeared on my synchrony bank banana republic card in the amounts of {$190.00} and {$200.00} from PayPalXXXX. I filed a dispute w/cc company, they dismissed XXXX charge but not the other. I have never heard of raise.com, you will not find any other charges on my cc card from this place, during my cardholdership!!! Why dismiss XXXX and not the other, makes no sense!!! This cc company has terrible customer service! Do not get a GAP brand card!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC identity Theft Report. I fully authorize this notice and compliance. I have also mailed in all respective CRA 's my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft XXXX XXXX  Late Payments from XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 Consumer sent SECURITY CREDIT SERVICES XXXX XXXX XXXX XXXX XXXX XXXX a communication by certified mail green return receipt regarding the furnishings of an alleged unknown debt that I noticed on my consumer report. The communication was returned to me after about XXXX as ATTEMPTED-NOT KNOW UNABLE TO FOWARD I am unsure why it was returned seeing the address was the same shown on the consumer report.
Product: Checking or savings account

I am XXXX and I didnt have a negative on my account yesterday? I deposited my sons social security check last night and wake up today to 2 over draft fees? I called the bank and they said they couldnt reverse them and once my check cleared it would bring it to a positive, so basically theyre taking the check and I stay broke?! Its not like this happens on a weekly basis and the online app reflects otherwise, my account was ok yesterday and today is not?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing a copy of my credit report and seen some fraudulent chargers on XXXX, TransUnion, XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation auto loans XXXX XXXX FRCA Violation credit card XXXX XXXX  FRCA Violation other loans late payment XXXX XXXX XXXX XXXX FRCA Violation hard inquiries XXXX XXXX XXXXXXXX XXXX XXXX XXXX FRCA Violation collections XXXX XXXX XXXX FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I bought my house in XX/XX/XXXX. I started some major renovations when I had a XXXX  XXXX in XX/XX/XXXX. I stayed home for a while and suddenly covid-19 appeared in XXXX. 
I requested a mortgage forbearance which I had for 6 months. Federal law requires that the mortgage servicer should contact the barrower 30 days before the forbearance expires. They did not. Instead they sent me a package asking for missing documents when I have never submitted a package. Only thing I asked them is a forbearance extension which they refused without any explanation. They gave me 20 days to submit additional documents while my wife and myself are XXXX XXXX for XXXX and we are quarantined right now. 
Mortgage servicers are PHH Mortgage services and XXXX XXXX XXXX. 
They refused and I'm getting harassment calls.
Product: Student loan

I have had issues with the billing on my account since earlier this year. See XXXX for the initial complaint. In XXXX, they sent me notice that I was past due ( reoccurring payment was in place ). I went in a paid the payment due and inquired as to why it wasn't deducted. They said not to worry, things were fine and the account was fixed. Then my account was debited for the payment on XXXX. According to their explanations, the reoccurring payment was taken out on the due date but didn't post to my account until XXXX. They said the past due notice was system generated and they had no way of not generating that. This caused my account to be double paid in the same month because of their errors. My bills don't show the total amount due or a breakdown of the charges per my loan documents. I get a bill now and it shows it is due for twice the amount because according to the UAS representatives, the lender is choosing to bill that way and they have no control over the fact that is shows two months at a time on one bill. They said only pay the amount due for the month but I do not get anything showing what that is. Even when I go online, there is a current amount due but it also shows a greater amount due as the outstanding balance to pay with the due date of the current month. When I get my statement, it shows the amount of interest that accrued for the month but the total amount due is much higher. There is no transparency in billing practices and when I contact UAS connect, they just blame the lender, Summit, and go no further to resolve the issues. The last message I sent, I requested contact information as to who I needed to speak with to resolve the issues with Summit and got no reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting false information about me and their negligence is preventing me from obtaining credit due to this serious error.
Product: Credit reporting or other personal consumer reports

The existence of this account has caused me significant distress, to the point where it is affecting my XXXX XXXX XXXX  I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.