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

I checked my report and saw that XXXX XXXX and Milestone were incorrectly reporting late payments. I paid both cards off before due dates but they reported late.
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized inquiries the inquiry was not authorized. 
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 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: Credit reporting or other personal consumer reports

You are reporting Inaccurate information in consumer reports concerning me that you have compiled and published to third parties. The following tradeline item is inaccurate. 
Account Name : XXXX XXXX XXXX Account Number : XXXX The inaccurate that you are reporting concerning me is harming me personally, emotionally, and financially, and causing me damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted copies of Lien Release on my 2nd mortgage via. usps mail, fax and website uploads. There is no justification for such a low credit score at this time. XXXX  continues to re-open or open another dispute before they solve the original dispute. Each time they open a new dispute, they take several weeks to review, then automatically disprove the request, even though I have provided the lien release via. usps mail, fax and uploads. 
I am aware that short sales may stay on your credit from 7 to 10 years. However, I have learned that the impact of short sale on your credit should be much less after 4 years. Since I received a lien release on my 2nd mortgage in XX/XX/XXXX, that released any connection to my first mortgage. 
Regardless of when I sold my home, there is no connection between the 1st and 2nd mortgage after I received the lien release on my 2nd mortgage. XXXX XXXX XXXX should not drag my credit down to less than XXXX. In addition, XXXXXXXX XXXX XXXX account was closed in XX/XX/XXXX and should not be reported 30 days late since the account is closed with no derogatory late payments. 
I have submitted formal complaints to XXXX XXXX XXXX and XXXX XXXX XXXX. They confirmed the issue with incorrect credit reporting is with XXXX   and Experian. My credit score should be well above the XXXX mark at this time.
Product: Checking or savings account

I had initially opened an account to secure an auto loan. After not taking the loan, I decided to close the account. Mind you this account has never been used, has no linked cards and no checks or otherwise. They attempted to close the account clearly unsuccessfully but did manage to issue a check to my address for the the balance of the account. 

The account did not close and remains open. They have sent me correspondence that the account is in a negative balance. This is impossible except by mistakes on their end because the account wasn't and couldn't be used for anything other than a Pen Fed rep making changes. I again sent written correspondence and was told the balance needed to be cured to close. Can someone please help get me out of this perpetual loop before they causes me any further problems based on clerical errors?
Product: Mortgage

PHH Morgage my bank constantly tells me that it is in the contract and that we must follow it since that is what I committed to. For example, since my first check of the month is lower, I use it to pay for things like electricity, car payment, cable, water, etc. The problem is that my mortgage is also due on the first of the month. I asked my bank if I could change my payment to the end of the month instead of the beginning. They said they could not change the contract that I agreed to and thus could not move my payment to later in the month. So, for five years, I paid my mortgage every month ; the only problem was that I paid it late. So, I paid an extra XXXX XXXX a month to cover late fees, but I also took a beating on my credit report because my payments were late. Nevertheless, I paid and lived with it. Now what is happening is the escrow. My agreed payment when I signed this apparent no-wiggle room contract was {$1600.00}. But since they can now change what they want in the contract and just by anticipating. Not even knowing, but anticipating? that the escrow may change, my agreed upon monthly payment of {$1600.00} is now {$1900.00}. We could barely pay the monthly payment we agreed on. They say that my escrow went from {$160.00} to {$480.00} a month. That is wrong in so many ways. It trumps not being able to change my due date because this could cause us to lose our home. Plus, my interest went up even though I have a fixed interest rate on the loan. We love our home and have done everything to keep it but now my bank looks into their crystal ball and anticipates a payment hike and now what I must live with this too. Shouldnt a VA loan protect me from this?
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed that there is a bankruptcy on my credit file for which I need to dispute. Ive disputed with XXXX and they have removed the Bankruptcy right away as it remained on my credit illegally for years. 

Please see to it that TransUnion and XXXX do the same too. Ive contacted the clerk of courts and they never verified items on credit files so Im baffled as to how a public record such as the BK is on my credit report!! 

I know for certain that the bureaus are in violation of the FCRA, Comprehensive Credit Act of 2020 sec 401 and other laws. At this point, Im entitled to compensation!! {$1000.00} per item! 

TransUnion needs to remove the Bankruptcy. 

XXXX also needs to remove the Bankruptcy. 

No negative items such as inquiries, late payments etc. should even be listed especially if none of its true for which none of the information can Be verified ln my credit file! Again none of this untrue info has been legally verified to be true.

If this isnt resolved soon, Ill be litigating soon!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my credit score dropped XXXX points for no reason. Transunion Score is now XXXX  points lower than XXXX and XXXX, with the same reported information to all three bureaus. Transunion has failed to provide a reasonable explanation to why this is the case, other than its their proprietary scoring model that is causing the difference. 
Transunion refuses to fix or address the discrepancy or provide any transparency regarding the method in which scores are calculated, why the score dropped and why it is lower than the other reporting agencies. A large number of consumers on social media and consumer sites are complaining of Transunion Score being significantly lower than the other bureaus, or the score suddenly decreasing and fluctuating for no apparent reason, or for paying off loans to term and as agreed, paying off credit cards, or after having disputed information removed. Please open an investigation/federal inquiry to Transunion. Their scoring model is flawed, egregious and harmful to consumers, causing credit denials and higher interest rates.
Product: Debt collection

To the appropriate parties, I am writing to formally dispute the inaccurate information associated with Account [ X ] as reflected on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I am requesting the removal of any erroneous or fraudulent activity related to my account due to a documented data breach that exposed my personal information. 

For example, my personal data, including email addresses ( XXXX and XXXX ), was involved in the XXXX data breach in XX/XX/year>. This breach exposed usernames, emails, password hashes, sign-up times, last login times, location data, and IP addresses. The compromised data has been sold on at least XXXX dark web market and is known to be shared among multiple criminal groups. This XXXX of several accounts where there were data breaches.This raises serious concerns regarding potential identity theft and fraudulent use of my personal information. 

Under the Fair Credit Reporting Act ( FCRA ) and relevant consumer protection laws, I request an immediate investigation into the disputed account. If the disputed information can not be verified, I expect it to be removed from my credit report as required by law. 

Additionally, I am including accounts that I have not received validity on, nor have I been advised that they were sold to a third-party agency by the original merchant and/or original collection agency. These accounts should be verified and, if they can not be validated, removed from my credit report. 
Creditor : XXXX XXXX XXXX ( Account number : XXXX ) To support my claim, I am providing the following : - A copy of my credit report highlighting the disputed account - Documentation confirming my personal information was involved in the XXXX XXXX breach - A copy of my government-issued identification for verification purposes I request that this matter be addressed promptly and that I receive written confirmation of the resolution of my dispute. Please investigate this claim and update my credit report accordingly within the timeframe established by law. 

Thank you for your prompt attention to this matter. I look forward to your written response within the XXXX period as stipulated by the Fair Credit Reporting Act.
Product: Mortgage

My mortgage transferred from XXXX Bank XXXX Huntington Bank. I have not missed a payment and Huntington Bank is reporting that I am XXXX or XXXX payments behind. I had called to talk with someone who told me they would have it corrected. It has been almost 60 days and I continue to receive notices that my mortgage is past due. I recently applied for a small personal loan and was declined. I believe it is due to Huntington Bank not having their records corrected.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX in XXXX through Westlake Financial Services. On XX/XX/XXXX my father ( which was on the loan as well ) got into an accident which made the vehicle a total loss. My car insurance at the time ( progressive ) paid Westlake Financal Services close to {$14000.00} for my vehicle. Their was still a little over {$2700.00} left on the loan. This is just straight interest. I called them multiple times after the insurance had paid the loan company to see if I had any gap insurance to help cover the remaining part of the loan. They would keep transfering me to people that would not help me. XXXX representitive even told me that " I did not qualify for gap coverage, because I've had missed payments in the past ''. At this point, I just had to wait for the right oppurtunity fiancially to be able to pay this off. For XXXX months I recieved missed payments from this loan company on my credit report. Finally, I got a letter in the mail from Westlake Financial Servies that they are willing to settle my loan for less then what is owed. XXXX days ago I called and settled the account for a little over {$500.00}. Today I recieved an email from a company requesting more information from Westlake Financal and I for gap coverage that the loan company is trying to make a claim with. They also had all of the paperwork from when I purchased the vehicle that I DID infact have GAP coverage. I have now suffered very hurt credit from all of the missed payments, a loan on my credit report that states I have settled a loan for less than what was owed, and was getting harassed by phone calls for MONTHS from Westlake Finacial Services for payment. if i was made aware that I had GAP coverage from my loan company ( which they already knew since they filled a claim ) I could have potentally not had to deal with all of this. Since this happen I have called Westlake Finacial to see if I could settle the issue on my own and they HANG UP ON ME everytime I explain the situation and they tell me they will do reasearch. The line just disconnest which proves to me that their was an error and/or they are in the business of scamming people
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of XXXX I began the first time buyers process. On XX/XX/XXXX I submitted a mortgage loan request to a company called XXXX. Prior to submitting the report I checked with all 3 credit bureaus, who listed me above a 620 score, so I was in the range from 630-635. However if you read the attachment from XXXX, they used a company called XXXX XXXX, without my consent who has a score of XXXX. I contacted this company and have asked for the file they have on me, since I have never heard of them. On XX/XX/XXXX I processed an application with XXXX XXXX who just a day later came back with a score from Equifax of XXXX. So I contacted all 3 credit bureaus and not one of them have me listed with a score in the XXXX range. Ive attached XXXX/Equifax and these are the scores as of XX/XX/XXXX. Ive also attached XXXX. I utilize XXXX XXXX and also have gone to the websites of these 3 credit bureaus. Across the board this is unfair and makes me think that once I give my demographic information, then an algorithm is programmed to present incorrect information about my credit score. What other reason could there be for this major discrepancy across all agencies. This is a major systemic problem and could possibly be associated with the people who set the standard. It is clear that it is unfair and feels more like a sham or parody, there is no American dream in it at all.
Product: Credit card or prepaid card

I have a deferred interest Wells Fargo Credit Card I used 18 months ago to purchase new windows for my house. I was very careful to make sure I paid off by the due date to avoid the large interest payment. All of the payments were done with autopay until a month before the last payment was due, I personally called and told the representative I wanted to pay off my card. I made it clear I wanted to pay it off early so there was no chance I would get the large penalty. She took my bank info and gave me a confirmation number that the payment was applied and when I asked, she assured me the card was at a XXXX balance and I had in fact paid off the balance to avoid the large interest payment. 

A month later, I get a statement telling me I owe nearly {$2000.00} in interest. I was shocked and called them right away. I spent 2 hours on the phone with various reps and supervisors. They told me that apparently the last payment didn't go through because there was a transposed or missing number in the bank account number. Although I was never contacted and told this! I reminded them that I had done auto pay for 17 months and Wells Fargo had no problem accessing my bank account for all of those payments! I told them the confirmation number I received when I made the last payment but I was told that this is not confirmation that the payment went through. They offered to reduce the interest fee by 75 %. Not acceptable to me.
Product: Checking or savings account

My account was accessed my someone unauthorized, Wells Fargo contacted me & brought this to my attention. So I created a claim stating this actions werent taken by me & im a victim of identity theft as well. They claimed they investigated my claim and the resolution was to end my relationship. I would like a re investigating on behalf of myself. Hours and hours Ive been transferred back and forth from lost prevention department to the online fraud department to the claims department back and forth & no department can help me! My cellphone was not used to mobile deposit a XXXX check I dont get paid my checks and I made this clear to everyone. They are closing out my accounts and ending my relationship when I claimed Im a victim of identity theft & account take over, I had to file a claim with the cfpb just to get thier attention! This is a serious matter & accusation or I wouldnt go to the extent to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

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 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 XXXXXXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX I am deeply disturbed by how Trans Union, XXXX, and XXXX have violated my rights and continue to do so without care. Who is going to govern them? 

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 an 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 or 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 data is inaccurate. 

I would like {$1000.00} for every violation on my report and for all inaccurate information to be deleted from my consumer report.
Product: Credit card

We mailed in a bank check from our HELOC ( XXXX XXXX ) for XXXX to pay down the balance. The check was received by the CC company ( Goldman sachs ) on XX/XX/XXXX. However we dont have access to the XXXX until the check clears. They will not give us access until XX/XX/XXXX. ( 9 days ). I called XXXX  today and was informed the check had already cleared. I called Goldman to let them know and they said there is nothing they can do and Im out of luck until the XXXX. Why dont I have access if the money has already left my bank account?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a dispute letter to Transunion and XXXX to remove an item off my credit report. Me and the collection company XXXX XXXX XXXX agreed on a settlement. On the behalf of XXXX I sent TransUnion and XXXX a receipt showing payment made and agreement of the settlement. TransUnion sent me a letter back stating verified as accurate and updated XXXX the item was updated. I called XXXX, I couldnt get any help from them. I got transferred from one department to another.
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report and noticed some inaccuracies. I have asked the company to remove the inaccurate accounts and inquires they have reported. They have failed to provide why they are reporting in accurate information to my credit report. This is causing financial hardship in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a dispute more than 30 days ago to equifax and XXXX  and neither of them have responded back. the only one to do their job correctly was transunion. by the FCRA, these companies have 30 days to respond and they have not.
Product: Checking or savings account

Email sent from Citizens Bank stating my application for opening a Citizens Quest Checking was denied. I did not apply for one.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX has fraud charges on a credit card acct that has now been transferred to Portfolio Recovery assoc. XXXX XXXX XXXX XXXX was notified by me 3 men from Florida used my XXXX XXXX XXXX. XXXX Employee XXXX in the theft Fraud took my report XXXX/XXXX/2018. The 3 men in Florida I also placed a Criminal Charge with the FBI. They are on probation with.the US Dept of Justice, XXXX XXXXXXXX Of Wisconsin, since XX/XX/2018. I am not responsible for the Fraud. I have talked to the U.S. Dept of justice Victim System. XXXX XXXX XXXX XXXX refuse to accept this ; Portfolio Recovery # XXXX refuse to recognize these Fraud Charges against me. Portfolio continues to Place Collections on my Credit Report. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove/block he listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX Balance : {$430.00} XXXX  XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, SYNCB/ROOMS TO GO, is reporting late as reported in my credit report. Lets erase this immediately. The Bureaus are required to verify for themselves, but they failed to verify nor remove this complaints.