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

This company has rejected many of my disputes that I had with debt collectors on my report. I was able to remove all of the ones that was originally rejected by the reporting agency because the debt collector was not able to validate account. 

I thought that the credit beau, of all people, would validate the account when disputed, but they do not. They just always assume that the debt collector is right with no challenges. 

I was able to do it, why wasn't the credit reporting agency able to do this when i disputed? This is what they are suppose to do, right? In most disputes i would get a generic response saying that the debt has been verified and is a true debt and they leave it on my credit report with no explanation as to how they came to that conclusion or why. 

Some of the debt collectors that i successful removed from the credit report is as follows : 1 ) XXXX county court 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX 4 ) XXXX   XXXX XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX , XXXX 7 ) XXXX XXXX XXXX , XXXX . 
8 ) XXXX XXXX XXXX XXXX, XXXX. 
9 ) XXXX XXXX  Collections Department 10 ) XXXX XXXX XXXX I am working on a couple now as we speak. 

NONE of these should have ever been placed on my credit report so that means that you do not validate the claims prior to posting them like you are suppose to. 

I plan to sue this Company for damages to my credit, punitive damages and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted requests to : XXXX, Equifax and XXXX, asking them to remove my bankruptcy from my credit report, because : 1. They are violating my rights to privacy.

2. They are ruining my credit reputation.

I have not heard anything back from them. My letters were sent on XX/XX/XXXX, and as of today, I have not received any investigation results. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX  account on my fervor has nothing to do with me. I've never submitted or recieved anything from them. The address on file has never been associated with me. It is actually a business address. I tried to dispute this with experience twice but they keep kicking it back with no answer at all. This account is clearly fraud and experiencing will not do their due diligence.
Product: Credit card or prepaid card

Citibank/Sears card had about {$8000.00}. in fraudulent charges. Citi/Sears has yet to update XXXX that the fraudulent charges were removed from the account balance due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to freeze my credit report with TransUnion for several months now. I finally got them to send me a copy of my credit report. I was unable to answer some of their questions because they had, and continue to have incorrect information on me : Their credit report has my wrong birth date, many wrong names reported, a wrong previous address, and a wrong phone number. Some of this misinformation comes from an identity theft I encoured earlier this year, whereby someone obtained my XXXXXXXX XXXX XXXX XXXX XXXX number, then called XXXXXXXX XXXX and convinced them to change my address from ohio to one in NJ so they could illicitly order products over the internet and have them shipped to their NJ address. Now, when Transunion asks me to verify my identity, they ask me questions like have I ever lived at this address in NJ, to which I answer no, but they think I did because of the identity theft. I didnt have any problems freezing my credit at the other two credit bureaus, but TransUnion has been absolutely impossible to work with to correct these issues, on line or over the phone!
Product: Mortgage

SP Servicing billed me {$99.00}, " Corporate Advance Fee '' for the error that they made in updating my account. 
My mortgage account was transferred to a new processor, SP Servicing, in XX/XX/year>. SP Servicing failed to collect payments from my prior servicer for 4 months until XX/XX/year> when my account was finally correctly updated. 

Customer care has been unable or unwilling to resolve this error.
Product: Credit reporting

I 'm just trying to get XXXX to take the XXXX bill out of collections. It was paid - XXXX took it off, but it 's still showing through XXXX. 

Thanks - XXXX XXXX
Product: Vehicle loan or lease

In 2019 I Co-signed on an auto loan for a vehicle with an ex boyfriend and assisted him with a {$2500.00} down payment. He has missed payments over the past several months and this has significantly dropped my credit score. I attempted to reach out to him via email to request that he refinance and take me off the loan. He has not responded. I also had a mediator reach out to him with no response. The terms with which we ended the relationship were dangerous and I am a single parent so I do not feel safe confronting him in person. He was removed from our home on a XXXX XXXX XXXX by law enforcement for XXXX XXXX XXXX XXXX. At the time I did not think to take the car even though my name is on it. I have contacted a lawyer about this issue and she recommended reaching out to the lender to assist with this because there is not much that can be done legally. I have attempted to call Truist Bank multiple times to request to speak with someone and I have not gotten a response.
Product: Consumer Loan

I took out an auto loan from Santander in XXXX 2014. The loan has been in auto pay with no issues until last week. Last week I contacted them for the first time since I have had the loan and advised that I would not have the money available when the payment was scheduled to extract on the XXXX. The call center representative assured me that the payment would not extract, I even asked her if she was certain and she said " yes ''. When reviewing my bank account after the due date, I noticed that the payment had extracted from my bank account and I called Santander. I requested to speak with a supervisor who was not helpful at all. He stated he did n't know why the payment extracted but that he could refund it and I would have it back within 7 - 10 business days. I find that to be totally unacceptable and unfair to the me. As of today the payment still has not been refunded and I just called Santander again at XXXX EST and got a message that they are either closed or on the phone. At this point I do n't know what else to do other than ask for help from the CFPB, I have contacted Santander one time since accepting the loan from them almost two years ago, and asked one thing and they have failed the only thing I have asked them, this does not give me any confidence in them as a lender. Their poor service is causing me harm as I believed what they told me and anticipated that the funds would not extract. Obviously, I am not looking to not make the payment and I have never been as much as a day late with them, unfortunately I had some unplanned expenses come up and needed to pay a few days after the due date this month. I have attempted to contact them multiple times to try to resolve the issue, and I am either unable to reach them or when are unwilling to help when I do reach them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent disputes and notifications to the credit bureaus in XX/XX/2020 and have not heard anything from them. XXXX, Equifax, and XXXX  continue to report accounts with incorrect amounts, incorrect dates, unauthorized and unverified information on my report. I sent several letters requesting that they remove incorrect versions of my name and incorrect addresses but they continue to violate the FCRA by knowingly reporting this incorrect data. 

XXXX, XXXX, and Equifax have not responded to my requests sent in XX/XX/2020 requesting that they comply with my request for investigation and resolution. This is a violation of the FCRA. They have not updated their reports to show that the accounts have been disputed. They continue to report addresses that I've never lived in. They continue to report accounts that are older than seven years old. They continue to report unauthorized inquiries. 

None of the companies have provided verifiable proof of authenticity from any creditor. 

I have sent letters on XX/XX/2020, XX/XX/2020, and XX/XX/2020. They are attached.
Product: Bank account or service

I had an overdrawn account at XXXX XXXX XXXX. Due to a long hospitalization from a XXXX, my account went over. I was able to pay the overdraft amount including penalties totaling {$170.00}. Now in order to open another account I have to wait 7 years or pay Chexsystems {$380.00}. I think this is unfair. I paid the overdraft amount plus all fees. And now I have to pay double just to open a bank account.
Product: Checking or savings account

My husband and I opened a joint savings account in XXXX or XXXX. We advised that we wanted a joint account. We were told we were opening a joint account, where each of us would be able to access all money, documents, and information about the account. I am not able to access statements for the account, and my husband has to approve the bank making copies of statements for the account. The bank said only the primary account holder has access, but we were told that I would have full access when we opened the account. I have requested documents for the opening of the account, the bank says there are none. I requested to speak with a manager, and was told would take up to 45 days for them to call me. No one ever did. I called back today, XXXX/XXXX/XXXX, and was told that my request for contact was misfiled, and they will fix it, but I will have to wait 30 more days for a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is maliciously, recklessly and purposefully reporting an unauthorized hard inquiry by XXXX XXXX dated XX/XX/XXXX. First of all I commend XXXX XXXX for doing such a thorough investigation once I made them aware of this situation. Although I have requested an investigation numerous times from TransUnion and also complained with the CFPB about the inaccurate hard inquiry reporting by TransUnion regarding this inquiry, TransUnion purposely continues to report it unauthorized, even after I informed them that I was a victim of several data breaches. This is Malicious and Reckless on their part. TransUnion lied about their investigation because XXXX XXXX stated in the letter enclosed in this Complaint that they NEVER received a dispute by TransUnion. TransUnion not only lied, but did not perform a reasonable investigation into this issue. TransUnion enabled me to be a victim of identity theft. XXXX XXXX has requested TransUnion to delete this hard inquiry since XX/XX/XXXX but TransUnion has yet to comply. TransUnion needs to immediately remove this hard inquiry from XXXX XXXX from my credit file immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help my family and myself. I have contacted Equifax over 15 times in regards to verify some items on my report. I learned from your site that they have 30 days to get back to me. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. I emailed the CEO of Exquifax XXXX XXXX and have yet to hear anything back. The items that they have on my report are stoping my family frombeing able to purchase a home, and have cost me an employment opportunity. Please help.
Product: Checking or savings account

Well i diike the XXXX  monthy fee from Wellsfargo when you have a low balance Just wish the bank would remove the XXXX  Monthly fee to maintain your acc i dont think its fair they just took my money sometimes wellsfargo charge my acc with random fee i dont have or use like uber i dont use uber at all XXXX dollers they took XXXX dollers from my acc randomly on random charges or mistakes it was on XX/XX/XXXX i belive i called the company and they said they would look into it and give me temporary credits but thing like this keeps happening
Product: Student loan

I briefly logged into my XXXX email after not being able to login for some time. <P/>I was given notice that my student loans were due before proceeding on to the income based repayment site to setup a new arrangement. <P/>I already had an arrangement in place, yet the following information showed up in my XXXX email, which I did not have access to, this University is presently under investigation regarding its environment and allowing it to be hostile to students and new information was sent to the Attorney Generals Office regarding their collection practices, before and after they were attempting to force collection efforts for an amount that was not factored correctly : CURRENT INFORMATION AS OF XX/XX/2017 Total Amount Due {$1400.00} Total Due By XX/XX/2017 Past Due Icon Your account is past due. Please see your billing statement for more information. This bill has 2 accounts : Stafford Loan Account with U.S. DEPARTMENT OF EDUCATION ( XXXX ) Payment Reference Number : XXXX Stafford Loan Account with U.S. DEPARTMENT OF EDUCATION ( XXXX ) Payment Reference Number : XXXX This payment, along with a {$5000.00} payment is set by the school for repayment. <P/>I recently just filed for unemployment benefits and may be working soon, as well as returning to school, however MANY efforts to force repayment have been occurring, along with efforts to force homelessness, impoverishment and inability to return to school have been gathered. <P/>I recently attempted to work with the school, and advised them, I could not speak to them regarding the debt owed while the investigation was going on as it would be a conflict of interest. They had called on a Monday and again on Friday ( Friday is when I shared this information with them ) after the two calls, I finally was able to login to my account and noticed extra charges on top of the ones that were not supposed to be added, as I never attended the Summer Session, also when I did attend the school I did not receive the services I was paying for. The reason that the services were not provided were some of the matters being brought up in the OCR and Missouri Commission on Human Rights investigation. <P/>These issues have been made aware to the Attorney General during the times when the school reached out for payment. An update to the Attorney General website is pending, as we acquired a confirmation number upon the most recent visit and will provide more updates, if no other case number has been assigned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am complaining regarding some of the hard inquiries on my account I dont recognize some of them I will list them Ace cash XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have tried to get these removed but no one is responding to me if u could help that would be great Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX payment status shows charged-off but still shows balance of {$960.00} and a past due of {$960.00} which is not suppose to. 

XXXX - did not record or has no record of this account Experian - high credit/credit limit is reported {$0.00} last reported date is XX/XX/XXXX payment status Collection/Chargeoff - Date of Last Payment there's no record found XXXX - high credit is reported {$870.00} and credit limit is reported {$0.00} last reported was XX/XX/XXXX payment status Late 120 Days- Date of Last Payment XX/XX/XXXX Improper/Incorrect misinformation has been reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reported score is completely different than what I see when I login directly to the credit agencies. I don't understand how my scores appear so differently to lenders then they do when I login into the credit reporting agencies directly. For example, my Experian score shows XXXX, but the XXXX XXXX XXXX received a score of XXXX from Experian. How can that be? I have contacted the credit agencies to state that information is being distributed incorrectly but I have yet to get results of disputes. It has been more than 30 days. 

As a result of the information provided to XXXX XXXX and XXXX XXXX XXXX I was denied a mortgage of which I clearly qualified for prior to the report they received.
Product: Consumer Loan

GMAC vehicle lease turned in date of XXXX XXXXGMAC company is absorbed by Ally. 
Credit Bureau never reflected lease termination when dealer sold vehicle to new owner as a sale vehicle. 
Credit Bureaus shown I owe {$9200.00} as of XX/XX/XXXX. Negative derogatory remarks for outstanding amount owed. 
Ally would never correct information to reflect positive account. 

Vehicle was purchased as a sale by new owner XX/XX/XXXX for XXXX paid over {$900.00} in sales tax in XXXX XXXX County where vehicle was returned. 

Same owner who purchased the vehicle XX/XX/XXXX currently still owns the vehicle. 

All transactions took place in XXXX Fl. 

The sale occurred before the credit bureaus were notified I owe remaining balance as of XX/XX/XXXX. 

GMAC went out of business Ally took over their obligations. 

No one at Ally will talk to me to resolve this issue in the last seven years. 

Florida Vehicle Title number XXXX sale date XXXX for vin number XXXX for XX/XX/XXXX XXXX XX/XX/XXXX XXXX. 

Anyone who runs the vin can see this same information of the current owner name and address who paid XXXX and over {$900.00}! in taxes. 

Clearly Ally never updated GMAC records as GMAC went out of business. 

I am left to carry the financial burden and negative credit bureau mis information.
Product: Mortgage

I fell behind due to lack of hours at my old job and due to the fact the shower collasped in this house, my car broke down and the furnace broke down. I have since gotten a good job with consistent hours good pay and receive adequate income from child support and ssi for my  XXXX  daughter and this company says I do not have adequate income. I have filed a dispute against the under writer to no avail. I really feel like I have been discriminated against.as a single parent and parent of a  XXXX  child I have called multiply times to talk to the under writer and have been bounced around and finally was able to leave her a message to this date she has yet to call me I have all this noted
Product: Debt collection

They auto loan company XXXX  financials been updating and still reporting debt that doesnt belong to me on my credit report. They are violating my rights. And its been over 7 year mark, so that debt needs to be delete all my credit report.
Product: Debt collection

I received a notice from National credit systems and I called the company several times and the Rep. XXXX XXXX put me on hold and sent me to voicemail.I left several messages no response. I did a dispute with attachments of pictures of the rental unit showing that the owner never did the total repairs needed from XXXX XXXX. I have the XXXX picture of his phone number he stated the full house was going to be redone due to damage from the storm. The rental agency only repaired roof and patched a certain part of ceiling and replaced refrigerator. They never replaced flooring and walls only sprayed and painted over mold area which when I was moving I noticed mold had spread all through the unit due to them not properly taking care of the problem and I feel I should not be responsible for debt owe and I had a month to month lease and gave thirty days notice of moving.The agency did not made me aware of this debt and I received this notice and no one is responding to let me know exactly what is going on because it this company got paid by the insurance company to repair unit from top to bottom and trying to get money from me for something that was never done that is wrong because as we were moving we was XXXX  and getting XXXX  from the XXXX  and XXXX.
Product: Credit reporting or other personal consumer reports

DISCOVER FINANCIAL SER Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX DISCOVER FINANCIAL SER Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX these are two inquiry 's that I have not authorized/ made and did not give permission for DISCOVER FINANCIAL SER to make nor pull my credit report
Product: Debt collection

Called my wife 's work phone, said they were the law firm, MBA law, started asking for personal information and would not tell me what this matter was pertaining to. When I told them I would not be answering any questions until they told me what this was about, they got off the phone. These are unethical tactics and should be treated as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like this illegal and misleading information deleted from my credit report from XXXX XXXX XXXX. this account was closed then reopened the missed payment days are incorrect which is illegal. I have reached out to XXXX XXXX with 2 certified letters and got no response within 60 days
Product: Credit reporting, credit repair services, or other personal consumer reports

IQ Data international is reporting bogus apartment debt. The account # is XXXX. I requested IQ Data to itemize the bogus debt and they just responded with a form letter restating the bogus balance. You can not just make up charges. 

I requested detailed account of what they say is due and they have provided nothing. Not a contract, not pictures of damages, no timeline of rental after ... nothing. I can tell you for certain I do not owe the amount they claim. I can not event begin to dispute until they itemize what they say is due. 

I need documentation of work performed, condition of apartment before and after, what did they do to advertise apartment if they can actually itemize anything