23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Experian is so negligent with my account they just notified me that a dispute was open XX/XX/XXXX for XXXX XXXX, WHY WHEN YOU CAN CLEARLY SEE ON THERE OWN WEBSITE THAT I PAID THI ACCOUNT OFF IN XXXX OF 2023, FRAUD FRAUD FRAUD FRAUD FRAUD FRAUD FRAUD FRAUD FRAUD FRAUD FRAUD FRAUD FRAUD FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

account was paid settled on {$150.00} for it to be removed from my credit over the phone. paid debt on XX/XX/2021 credit is XXXX XXXX XXXX
Product: Credit reporting

I disputed with Experian about an account with XXXX # XXXX and they claimed they verified it, This acccount does not belong to me!!
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of {$510.00} with XXXX XXXX XXXX, AccountNumber:XXXX  I do not have a contract with XXXX XXXX XXXX XXXX they did not provide me with the original contract as I requested my wet signature and ID verification.
Product: Mortgage

Back ib XX/XX/XXXX i was running out of money in my account and my only income was Social Security which at that time was {$1400.00}? a month do not remember the exact and my mortgage payment was {$1200.00}. 
They offered me to pay {$1000.00} which is only {$51.00} dollars different which will not work. There were several conversations and nothing was being done to assist me. 

I went to XXXX XXXX thinking maybe they could help as web site says they work with mortgage companies to reduce payments. 
33 pages and bank statements, tax returns, my bills i pay every month was not working. 

Over and over things was sent from to lawyer should have arrived at Wells Fargo? 

I uploaded all of those things in my email for proof. No one wanted to talk to me at Wells Fargo as they refused to deal with me a i had a lawyer. 
Now i am probably going to be set out on the street XXXX  and no place to go. 
This is supposed to be done by XXXX  on XX/XX/XXXX or XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit Report is reporting inaccurate, unverifiable information on my XXXX and Experian credit reports and are in violation of Federal Law. 

They are listing an account on my XXXX report as XXXX XXXX XXXX with an address listed as " XXXX XXXX XXXX, XXXX  XXXX ''. The account in question is showing up as a {$3300.00} charge-off, and is reporting a balance of {$2600.00}. 

On my Experian credit report, this same account is being reported as XXXX XXXX XXXX with an address listed as XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. It is also showing a balance of {$2600.00} while simultaneously being reported as a {$3300.00} charge-off with an original balance of {$4200.00}. 

Not only are they reporting conflicting information for the same accounts, their reporting is down right contradicting each report on both XXXX and Experian. Their reporting is also illegal, and is a direct violation of Federal Law which states that inaccurate, incomplete, and or unverifiable information MUST be deleted from my consumer credit reports. 

In addition to the violation I've mention above, XXXX XXXX XXXX is also in violation of 15 USC which explicitly states that upon receipt of a consumer dispute, they must follow out the laws spelled out below : 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

XXXX XXXX XXXX violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the negative tradeline from my Experian and XXXX credit reports. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.
Product: Credit card or prepaid card

I have a credit card with Bank of America. I opened the credit card with an introductory 0 % APR on purchases. I set up automatic payments on the card when I initially got it in early XXXX. I held a balance on it for a short time and than paid it off in mid XXXX, then did not use it for several months. In late XXXX I charged the card a couple times, and I had not removed automatic payments. I assumed the card would be paid with auto pay but then I got a call from BOA on XX/XX/XXXX saying they needed to collect a debt. I stated the auto pay should be in place and their response was that if the card has a XXXX balance for some undetermined amount of time then auto pay MIGHT not continue. I took care of the debt but I do not think this should count against me as a late payment. Hopefully this can be resolved. Thanks.
Product: Credit reporting or other personal consumer reports

Ever since I filed a claim with CFPB I can not access my Experian account online nor reach anyone by phone.
Product: Credit card

I use the website daily to ensure my transactions are accurate, every time I log in I am being asked to enroll in paperless billing, I do not want that and should not be intimated into it by harassing popups every time I log in.
Product: Debt collection

On XXXX XXXX, 2014 I received a letter stating to settle my account with Citibank so I contacted them on XXXX XXXX, 2014 to settle my account for the amount in the settlement. The agent I talked with talked in circles and offered me a deal to pay {$88.00} short and she would lower my payment. I wanted to just get from under this debt, since my alimony money was n't being paid to help me out financially. They took the {$4000.00} leaving me to be responsible for the rest of the debt. I contacted Citibank on XXXX XXXX, 2014 and explained what happened to see if I could pay the additional {$88.00} to clear this debt and they said no because I declined to settle the debt. I contacted Citibank again on XXXX XXXX, 2014 and talked to the risk department and was told again they could not honor this settlement and now I 'm being sent letters stating I owe over {$5000.00} again!
Product: Checking or savings account

I have been trying to make a large purchase with my debit card for a few days. I have called multiple times to authorize the charges and USAA refuses to unfreeze my card despite me having confirmed ALL MY INFORMATION. They continue to refuse to unfreeze my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed four separate rounds of dispute letters to each of the three Credit Reporting Agencies ( XXXX, Experian, and XXXX   ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX & XX/XX/XXXX. Requesting that the Bankruptcy being reported on my Consumer Credit Report, and all associated accounts with this bankruptcy be removed since this information has not been verified. Per the FCRA all information reported on a consumer 's credit report must be verified as accurate and correct.

I sent in four separate dispute letters to each of the three Credit Reporting Agencies and was told on four separate occasions, by each agency that the information was verified as belonging to me. However, there was no supporting evidence sent to me to show that an investigation was ever done. 

Per the FCRA, all information entered into a consumer 's credit report must be verified with the original party involved, and can not be verified by a third party. I have a letter dated XX/XX/XXXX from the Clerk of Court, U.S. Courthouse stating that their office does not disclose bankruptcy information to Credit Reporting Agencies, or third parties.
Product: Debt collection

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX To Whom it may concern, I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The accounts in question are listed as follows : Creditor Name : XXXX Bank XXXX Bank XXXX Bank XXXX XXXX Account # : XXXX XXXX XXXX XXXX Date of Charge-Off : XXXX XXXX XXXX XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the monthly charge-off results in a misleading and inaccurate credit report, significantly harming my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and confirm these corrections for me. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX. XXXX
Product: Debt collection

All the payments were made to the hospital and thru my insurance. Husband says he had a payment plan with the hospital and all payments were done on time. Full debt had been paid and I have no understanding of what Capio Partners were claiming was owed. No payments were made to Capio Partners.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$330.00}, {$5900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- COLLECTION ACCOUNTS -- 1. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$330.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5900.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have challenged the 100 % accurate reporting of account for XXXX XXXX that is inaccurately reporting as a " charge off '' on my credit report ... ... how can an account be a charge off and still be open per the reporting? ( violation ) ... ... .i have challenged/disputed this account 5 times to the credit bureaus and none of the 3 bureaus have even marked this account as being in dispute ( violation ), 2 bureaus are reporting it as paid and one as derogatory ( violation ), 2 bureaus are reporting 0 month terms and one bureau is reporting a 1 month term ( violation ), they are pencil whipping these investigations
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX XXXX Account # 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: Debt collection

When we got our first bill it said we owed {$900.00} for XXXX XXXX now this came from a debt collector saying we owe {$2800.00}! We already paid the {$900.00} amount months ago for the only bill I received so I believe there is a mistake.
Product: Student loan

I used to have XXXX  as my student loan servicer for my federal student loans. My loans have been gravely mismanaged, starting with XXXX XXXX to be honest. When I finished school, I made little money and had health problems. Instead of telling me about income driven repayment plans, they automatically stirred me towards economic hardship forbearance and encouraged me to extend it over and over again. They didn't even require any information, made it very easy. Sadly, I trusted them because they were backed by the federal government. XXXX XXXX, where I got my degree, was overpriced and made me believe I would make a good income when I got out of school and paying off loans will be no issue. When I finished school, I barely made XXXX $ per hour with a XXXX XXXX XXXX. Due to low income, my own health problems, raising a XXXX child, my interest has been accumulating since XXXX  and my loan has grown from XXXX to a massive XXXX. I don't even know how to begin to get from underneath this massive debt. Please help.
Product: Debt collection

Portfolio Recovery keeps calling me after I have told them to stop calling me They have been calling me up to 10 times a day since 2020 and are still calling even in the evening time up until XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX Balance Owed : {$760.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$4300.00} PORTFOLIO XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Owed : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  ) XXXX Owed : {$440.00} XXXX XXXX ( Original XXXX : XXXXXXXX XXXX ) XXXX Owed : {$250.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance Owed : {$200000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$23000.00} Date Opened : XX/XX/XXXX
Product: Mortgage

On XX/XX/21 I wanted to contact Vanderbilt Mortgage back about the information they gave regarding contacting HUD to see if they were able to help me during my hardship due to Covid-19.I am currently 3 month behind since XX/XX/21. I spoke with XXXX XXXX about my situation. I told XXXX my unemployment stopped XXXX XXXX he did not believe me and went to my states unemployment page and told me that it did not stop and it didn't state anywhere on the page. From that point I felt he did not have any empathy towards my situation and basically made me feel I was lying. He continued to talk over me when I told him I have a job interview in a couple of days. XXXX continued to be very rude to me. I asked him his first and last name because I wanted to speak to a supervisor because of his actions. By this point I was livid because I could not believe the way he talked to me and continued ignoring my question about his name telling me he will not answer my question until I answer his.. He finally placed me on hold and no one ever came to the phone. I had to call back to get someone else that did not want to hear about my complaint but only wanted to talk about my balance. No one apologized but I called back again and was able to submit a loss mitigation request on XX/XX/21. During these unprecedented times I have loss my job, loss unemployment and had to deal with my daughter having XXXX. I am a very pleasant person and I have over 20 years of Customer service skills and clearly I was not treated like I should have been treated and this isn't the first time this has happened with this company.
Product: Payday loan, title loan, or personal loan

I applied online this morning for a {$2500.00} installment loan. Even before I could hit the eSign button I had received a notice of loan rejected. This was of course after I provided banking account information, routing number etc.. I feel like this service and many others out there are just collection bank accounts for future use at their discretion. I feel this way as I was denied prior to even signing the documents before I was denied. When I called, they couldn't answer any of my questions and just directed me to an email I received from them filled with pre-populated rhetoric. Atleast if youre going to be a vulture company, atleast provide the 185.00 % mark up loans you advertise. I was willing to pay XXXX on XXXX and was still denied for reasons very unclear
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get XXXX XXXX XXXX to remove inaccurate credit reporting information for over 4 years. Recently, because of an investigation by the credit report agencies and Education Ombudsmen it was discovered that my mail forwarding address from XXXX XXXX, when the loan was transferred to XXXX XXXX XXXX, was inaccurate. I have never lived at the address listed from XXXX of XXXX and did not receive mail at my correct address during this time. As a result XXXX XXXX put my account as delinquent without any notification having been received. My account has since remained in good standing. I have tried to have this resolved NUMEROUS times filing disputes, talking to supervisors, and even getting the Ombudsmen involved to no avail. XXXX XXXX XXXX always says that the reporting information is correct when in fact it is not. This violates the Fair Credit Reporting ACT which I have made them aware of numerous times. THEY ARE NOT COOPERATIVE AND DO NOT PROVIDE ACCURATE INFORMATION. This has caused me great financial distress. I have been denied auto loans and could not secure housing because of this on going issue.
Product: Credit card

Over the course of a few months I called four different times giving information and inquiring on the status of my account. I do not have specific days that I made the phone calls but I did fax 3 different letters stating that there was a data breach that contained my information. Today is the the fourth time I called inquiring on the status of the credit card/account that I did not open at all was closed and they are still doing a investigation. I strongly feel that they will not help me close the account and it is beyond frustrating and is effecting my credit due to a balance that was placed on the credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so confused on what is really happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. I asked Equifax and XXXX  where did they get this information and provide proof of ownership but not a single account was proven to be mine.  The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX XXXX,  XXXX XXXX XXXX,  XXXX XXXX, XXXX XXXX XXXX,  XXXX/XXXX XXXX, XXXX XXXX XXXXXXXX,  XXXX/XXXX XXXX,  XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX)XXXX, XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX,  XXXX XXXX    (Original Creditor: XXXX XXXX XXXX) XXXX, XXXX/XXXX   XXXX,  XXXX XXXX,  XXXX XXXX,  XXXX XXXX-XXXX,  XXXX XXXX, XXXX XXXX XXXX,  XXXX/XXXX XXXX,
Product: Debt collection

( Advance America ) XXXX XXXX called my home several times after I told them not to. A XXXX XXXX called all my references and gave the all my personal information. XXXX XXXX told one of the references that they were going to take her to court and she gave her my personal information. XXXX XXXX also called XXXX and left a detailed message about garnishing my wages and sending a sheriff over to my house to serve me with papers. I have talked to several people and I advised them to never contact me by phone or my references and to send me correspondence, they still continued to call. I have asked XXXX XXXX for their address several times which they would never give to me. Someone should be punished for what they are doing to me. I offered to set up payment arrangements by sending a money order but they refused and said they can only take payment from my bank account. I still hold Advance America responsible for all of this.