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

TransUnion aNd XXXX are again reporting that XXXX XXXX XXXX XXXX has listed my closed and paid in full account on a prior lease as .charged off as a bad debt. Trans ion and XXXX are either culpable negligent in carrying this listing or are being intentionally vindictive. As for XXXX XXXX XXXX, XXXX actions, I can only describe it as intentionally deceitful. 

And the timing could not be worse, given that I have applied for amortgage loan to finance my purchase of a condominium unit. 

The companies knew I had earlier filed several complaints with the Ageny regardingthis verymissue. Most recently XXXX recogjnwedsized thaits listing was dead Wrong and its aggredd to correct it then and in the future. XXXX had known that the difference in the lease tit claimed 1 had been, in fact, paid dinn2017own by its own policy of gap coveragethat I had purfhaased at the onset of thee Lease. XXXX isudcuts apoloygybto me, corrected its report to show that the account had been always paid on time and that in had fulfilled all my duties to it under the lease. Indeed, XXXX gave me a {$250.00} gift card to show its alleged regret. 

Well this has again reared its ugkyhead, and this time Ill not be mollified by a {$250.00} gift card. I want justice!, Why has this very issu agin been the subject of the craven behavior oof XXXX, with the the virtual assistance of rtraansunion and XXXX ''? wrondoers must be subject to a al fine, ... 
We must pursue a full invrsstigstion I tot this matter and these three Wrongdoers must publicly acknowledge their misdeds.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$3500.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Monthly payment made are {$900.00} per month but reported is {$710.00} per month. a difference of {$180.00} per month. 

Have contacted XXXX XXXX XXXX Relations Section of the inaccurate information. The last time contact through phone was XX/XX/2024 Attached are copies of credit report and court order. 

XXXX Reasonable policies and procedures concerning the accuracy and integrity of furnished information. ( a ) Policies and procedures. Each furnisher must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. The policies and procedures must be appropriate to the nature, size, complexity, and scope of each furnisher 's activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has permitted the collection agency of Kimball, Tirey & St. John to report an inaccurate account on my credit reports. Upon further review, the account apparently originated from a property management company called XXXX XXXX XXXX. I have no knowledge of this account. In accordance with 15 U.S.C. 1681i ( Fair Credit Reporting Act ), 15 U.S.C. 1692 ( a ) ( Fair Debt Collection Practices Act ), 42 U.S.C. 3604 ( Fair Housing Act ), and California Government Code 12940, et. seq. ( Fair Employment and Housing Act ), please provide validation of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint # XXXX ( ID XXXX ) was handled unbelievably poorly. 

Equifax provided three excuses for their total failure in their providing me with my credit report, which yet again is their legal duty : 1. You have not applied for credit recently This is vague to the point of rendering the whole statement meaningless. What is " recent ''? I use a credit card which I therefore by nature applied for with my credit. 

2. You have not actively used your credit in the last ten years This is incorrect. I have a credit card in my name in monthly use. 

3. You have not lived in the United States or have not been issued a United States Social Security number This is correct. I work and pay taxes, in part with my social security number, and was born in ( and currently live ) in the United States. Obviously. 

Further, they made no mention, explanation, or even basic acknowledgement of their having hung up on me multiple times in my absurd endeavor to bring them back within the bounds of the law, but instead ( unhelpfully ) referred me to call the same number again, and provided no provision or alternative to this provably non-functional " way forward. ''
Product: Student loan

I paid off my student loan in full to Mohela on XX/XX/2023. They are stating the principal balance still left is {$12.00}, but are charging me another {$15.00} in interest after I just paid {$12.00} in interest. I am being over charged on interest.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681. 

XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  US DEPT OF EDXXXX : # XXXX, DEPT OF EDUCATION : # XXXX, DEPT OF EDUCATIONXXXX : # XXXX, DEPT OF EDUCATIONXXXX : # XXXX, DEPT OF EDUCATIONXXXX : # XXXX, DEPT OF EDUCATION : # XXXX 15 u.s.c 1681 section 602A States I have rights to my privacy.

15 u.s.c 1681 section 604 a section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions. 

15. U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of conviction 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

I have had a business bank account with my partner at TD Bank since XXXX. There have been many issues since then but the latest is most concerning. I entered the bank wishing to do a transaction and was told that I was not listed on the account. I had used the ATM just a couple of days before, used the debit card to make a few purchases and the month before done a transaction in the branch. However on XXXX XXXX XXXX I was not listed. The bank employees could not tell my why I was not listed on the account and my partner stated that he had done nothing to remove me from the account. When I went to a branch to try and resolve the issue they said that they could not fix the problem there and that they had to call on the phone. After over an hour of discussion they told me that my partner had filled out a change of address form and that was the reason I was removed from the account. They stated that the change of address form had the effect of removing me from the account. My partner only wanted to change our business address and was clear about this when he filled out the form. He was not told that this would affect all partners on the account and there was no mention of removing a partner 's access to the account by simply changing the address. Furthermore, from what they told me there is no way for one partner to change the address on an account without removing a partner 's access unless that partner is present and signs the address change. Changing an address should not have this effect and this is a very stupid thing that caused a lot of unnecessary trouble. I think that it is wrong that this happened, but the big issue I have is that they are very weak in resolving the problem. It took almost an hour for them to tell me why it happened and they seem as clueless as I am about what is going on. They are mishandling my account and are not providing the service that I was told I could expect when I opened the account. There seems to be no accountability for this problem and I feel they need to be reported for negligence and inappropriate conduct with accounts. They also misrepresented what the effect of the change of address form would be when my partner signed it. He was under the impression that it would simply update our mailing address. There was no mention of removing me as a partner.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the XXXX/XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Debt collection

I had phone service with XXXX XXXX until XXXX of 2021. I called XXXX to cancel, I told them to cancel all lines, and send a final bill. I paid the final bill, and I have not received another bill from XXXX. 

XXXX sent an account to collections and is reporting on my credit report as in collections, without ever sending me any other bill. I called and spoke with XXXX and they said they " texted the bill '' to a number that was disconnected. I have asked them multiple times to send me an itemized bill, and they have not done so. 

I never received a bill, now it is on my credit report, and they are refusing to remove from my credit report, even if I pay the amount they are asking.
Product: Credit reporting or other personal consumer reports

I am filing this complaint with the Consumer Financial Protection Bureau to address an ongoing issue with inaccuracies in my credit report. In a recent letter to XXXX, I provided documented evidence demonstrating that five late payments on my credit report, associated with the UNIVERSITY XXXX XXXX account ( XXXX ), were falsely reported. These inaccuracies were proven to be erroneous due to my prior enrollment in autopay. 

Despite the compelling evidence presented in my dispute letter, my credit report has not been corrected. These inaccuracies have adversely impacted my creditworthiness, making it challenging to obtain credit and financial opportunities. 

I am seeking the intervention of the Consumer Financial Protection Bureau to ensure the immediate and accurate rectification of my credit report. My primary goal is to have these false late payments removed promptly to restore my creditworthiness to its rightful state. 

I appreciate your attention to this matter and request your assistance in resolving this issue promptly.
Product: Mortgage

TD bank keeps reporting me for the past 2 years as a open balance
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, I had submitted a complaint to all CRA 's ( XXXX, XXXX and TransUnion ) regarding a collection report on my credit file from XXXX. This collection agency and the original creditor is falsely and illegally reporting this debt. My evidence is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax The following companies have not validated or provided proof of debt. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( 3 Accounts ) XXXX XXXX XXXXXXXX XXXX The following credit inquires were never 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 The accounts that i have mentioned that have not been validated have been passed the 30 to 45 day window and need to be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied online for a personal loan from XXXX XXXX XXXX in XXXX, WI and they told me that they would only perform a soft credit pull to check my credit, but they performed a hard credit pull which resulted in an inquiry on my TransUnion credit report that I did not authorize. I would like the inquiry made on XX/XX/2023 removed, please.
Product: Money transfer, virtual currency, or money service

Hello, PayPal team, I am the account holder of " XXXX '', my email has been hacked and permanently XXXX, now I can not log in to PayPal, please help me update my account information, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a XXXX collection account to XXXX & Transunion. in the amount of {$580.00}, this balance was paid in full in 2016. 

I disputed this account many times with the consumer reporting agencies and they have not removed the account from my credit report or given me results of their investigations. 

XXXX XXXX ( Original Creditor : 10 XXXX ) Balance : {$580.00} Account Status : Derogatory
Product: Credit card or prepaid card

I closed my credit card account with Capital One Bank. This process was difficult by itself due to the fact that we were unable to get ahold of a person in order to close the account. Now that it is closed, I am getting notices that I have two delinquent bills which are hurting my credit score. I have statements proving otherwise as well as documents showing that my account is closed
Product: Credit card

I am writing to formally express my profound disappointment and frustration with the XXXX  level of customer service I received on XXXX This experience not only reflects a glaring incompetence in addressing customer issues but also a complete disregard for the value of a customer 's time and trust in your banking services. 

The issue began with a simple task : setting up a username and password for my online banking account. At step two, " Enter your card info '', I encountered a persistent error despite entering the correct information. Expecting a quick resolution, I contacted your customer service. What followed was a staggering 36-minute ordeal, characterized by gross inefficiency and a baffling lack of communication within your team. 

During this period, I was transferred to FIVE different representatives, yet my issue remained unresolved. The necessity to repeat my issue each time due to the previous representative 's failure to relay my situation is unacceptable and reflects a serious breakdown in internal communication. This not only wasted my time but also exacerbated my frustration. 

Further compounding the issue was the repeated denial of my request to speak with a supervisor. Instead, I was met with incessant demands to restate my issue, followed by transfers to various departments, none of which were equipped to resolve my problem. This runaround is not only inefficient but also demonstrates a shocking lack of responsibility and accountability within your customer service team. 

The inability to execute such fundamental tasks without causing customer distress is alarming and raises serious concerns about the overall quality of your banking services.
Product: Credit reporting or other personal consumer reports

After pulling my consumer report on XX/XX/2023, I filed a dispute with Dep of Education Loan ServicesXXXX XXXX also the three major credit bureaus XXXX XXXX Equifax XXXX and XXXX XXXX I disputed 8 accounts that were furnished onto my consumer report by XXXX Dep of Education Loan Services that were reporting age was over 7-10 years. Lawfully XXXX should have removed these accounts from my consumer report as they were delinquent. On XX/XX/2023 XXXX sent me their Investigation Results also Equifax dispalyed the results same as XXXX after the Investigation. The Invesigation reults from the disputed accounts were 6 out 8 XXXX  accounts removal/deletion from my consumer report. Since then, i have had to send dispute letters to XXXX for continuingthe furnishing of false and lawfully disputed information. XXXX has made it clear that they do not respect my consumer rights.
Product: Debt collection

They are saying I owe {$1500.00} to a company called check into cash. I have never hear of this company and never done business with them. They say they mailed something but I have received nothing and they call at least 10 times per day. I believe the collection company is XXXX XXXX he offered to settled for {$700.00}. I'm retired XXXX and have no debt, I sure would not need a check into cash loan. Please help
Product: Mortgage

We were recently in the COVID loan forbearance and worked with our service provider to do so. This ended in XXXX of XXXX and our first payment back on track was on XXXX of XXXX. I have now made 3 continuous payments and am having trouble making the 4th. When inquiring deeper I find that there are additional charges on my account and the servicer is asking me to make an additional payment of {$390.00} for recording fees surrounding a loan modification that never took place. The outstanding balance was simply supposed to be put on the back end of the loan. When I call to get answers I am given the run-around and am not allowed to speak with a supervisor. I am afraid this will be extended and put myself and my family in danger of falling behind on payments and having further issues. I have been sent numerous notices about having my home foreclosed on but am not able to get any answers when I call in.
Product: Payday loan, title loan, or personal loan

I can't go back without losing everything in the form thus far but I HAVE contacted the company to resolve this. 

I applied for a short-term loan from XXXX. The terms of the application said NO hit to my personal credit would happen. This is not the case. I received information that Headway Capital ran a credit report without my authorization.

I never contacted Headway Capital directly nor gave them permission to check my credit. I had never heard of the company until I received their rejection notice stating my personal credit was not up to their standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$1600.00XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding some inaccurate and unknow items on my credit report. To this day over 35 days ago I have not gotten a response at all. Am I being taken advantage of or something for my disputes? in section 611 ( a ), it says that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. It has been over 35 days so the items listed should my be deleted from my report immediately due to law. I demand that these accounts be removed promptly or I will be forced to file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of a hacker.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax data breach Alerted on XXXX.XXXX.17 Confirmed my details were leaked by checking the Equifax Security 2017 website ( website said " Based on the information provided, we believe the your personal information may have been impacted '' )
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and CASH PRO is falsely reporting a trade-line on my report. Not only are they damaging my report but I have been recently denied credit because of this tradeline. Cash Pro is a third-party debt collector and have violated several of my rights protected by the FDCPA. they are ruining my reputation and causing me extreme damages by reporting this false information. I have NEVER done business with this company and they are demanding that I pay something I don't owe them. 
They were also provided my personal information under false pretenses of an alleged Debt I demand that they delete both tradelines immediately as they have already made me feel ashamed and embarrassed. If this matter is not resolved in a timely manner, I will have no other choice but to take action and sue them for their violations under the FDCPA. 

Thanks for your understanding..
Product: Debt collection

XXXX is attempting to collect on a debt that is not owed to them. I have no legal contact or obligation to this company. I have requested a legal binding contract between myself and XXXX funding and have not received. It has been more than 60 days and by law of no validation of debt is sent, they are to delete from credit report. I do not Owe this company and ask all negative reporting be removed.
Product: Credit reporting or other personal consumer reports

Transunion is reporting an account that keeps appearing on my credit report that account is XXXXXXXX XXXX  XXXX XXXX XXXX XXXX in the amount of {$120.00} dollars, this account has appeared on my credit report, three different times with at least three different open dates, This Collection is reappearing and never go away.
Product: Debt collection

I have sent written notification asking that this debt be validated not verified. I have not received a contract with my signature stating that I am responsible for this debt. I was sent a detailed summary of procedures that was rendered which is a violation of HIPPA Laws which is still not a contract baring my signature.