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

I would like to dispute these inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating XXXX using a third party which is not true. I have attached my ID and letters to this complaint for your review. 

Equifax : XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$1500.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$1500.00} XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

I have had both the original creditor, XXXX XXXX  XXXX XXXX XXXX, and now a medical debt collection agency, HRRG, contact me regarding debt owed on a medical procedure from XX/XX/2021. I have reached out to my health insurance, XXXX XXXX XXXX XXXX XXXX Illinois, which states that they were billed, and I should owe nothing. The amount owed was written off under contract with my insurance company, and I shouldn't owe anything.
Product: Credit reporting or other personal consumer reports

In XXXX I had a legal name change. Experian has not removed my old name from all documents and the result is that I periodically have no credit score for months at a time. I have reached out to experience support numerous times since changing my name legally on XX/XX/XXXX. At first, employees encouraged me to wait longer. But after about one year I finally reached someone who forwarded me to a web portal where I should have been able to submit the official documents. However, this web portal was and is broken. I contacted Experian again after being provided incorrect information and was directed by an Experian employee to fax my legal name change documents ( which included sensitive information ) to a given number on XX/XX/XXXX, which I did. I've heard nothing back about these documents and do not know their whereabouts. I have read that submitting a report to this bureau is the only solution short of involving an attorney which motivates Experian to resolve this type of issue. I currently can not open a new credit card or make large purchases which require a credit check despite having " excellent '' credit because old documents are pulled resulting in no credit. This has been going on for years.
Product: Credit reporting or other personal consumer reports

I kindly request to open this account of mine ; I still want to use it but its closed right now and it's supposed to be open. Update and open it as soon as possible. Thank you
Product: Checking or savings account

Funds from a XXXX acct were transferred, XX/XX/XXXX, in error to a PNC account that had been closed several years prior. I called PNC and alerted them of the error on XX/XX/XXXX. I was told by PNC customer service that any transfers to an account that was not valid would automatically be kicked back to the transferrer account ( XXXX ). The funds were never returned to the XXXX account. After more than a week of phone calls and over XXXX hours of phone time with customer service ( XX/XX/XXXX ) ; I was told another dept had the funds and were holding them as they did not know what to do with it. No one with access to my account info with PNC nor myself were ever notified that a dept within PNC was holding the funds and no reason was given for the hold. I was finally able to speak with a manager on XX/XX/XXXX who informed me they would be mailing a check and would take XXXX business days- please note this is an absurd transit time for mailing a check from MI USA to GA USA. On XX/XX/XXXX I called again to obtain tracking info on the mailed check as the XXXX business days had run out and i still had not received the check. PNC customer service told me that now the transit was XXXX days and that nothing could be done and no check could be re-issued until the 15 day window had expired- please note again, this is parcel mail sent via USPS from XXXX MI to XXXX GA, there is absolutely no way it would take XXXX weeks to deliver. Current USPS transit times are XXXX days from MI to GA. I was again told that no tracking # existed ( patently false ). I called XX/XX/XXXX, XXXX, XXXX, XXXX and was denied a tracking # for the original parcel and told that voiding the check that has been missing since XX/XX/XXXX would not be possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out Identity theft packets to all 3 credit bureaus they have not blocked my information that I deemed fraudulent on my account.Bc by law all credit reporting agencies Must block any information deemed fraudulent by the consumer within 4 business days of receiving their identity theft Report. They have failed to do so this is my 3rd time sending them my packet with the information deemed fraudulent a most recent packet got delivered to all 3 on XX/XX/2021 I have yet to see those accounts come off my report.I NEED THESE DELETED NOW!!!!!

XXXX  EQUIFAX INFORMATION SERVICES XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2019 an ATM at my local XXXX, Florida branch jammed 2 of  the checks I was depositing. I informed the branch teller who said they would taken out later that day and credited to my account. As multiple deposits were made I need to know the amounts of the checks and who they were from as this machine usually provides a copy. It has now been almost 2 weeks and the bank will not tell me any information except they are working on it. When I call the branch they no longer answer the phone and when you call the general service number you get transfered from person to person and they just tell you to be patient. I would think they should have some accountability. They have the check and they should tell me how much it was for and who it was from so I can credit the proper tenant who gave it to me. Chase bank seems to have no concern about the customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I entered into a mortgage forbearance with my loan servicer XXXX. In XXXX of XXXX my account was transferred to Shellpoint Mortgage servicing. When they received the loan they immediately began reporting the loan as severely delinquent. I provided proof to them that I was in a forbearance. In XX/XX/XXXX I spoke with Shellpoint and they we entered into a loan modification starting in XXXX. I have made each of the three payments for XXXX, XXXX and XXXX in a timely fashion but they have now reported that I have not made the payments and are reporting me 120 days late on my credit. 

I have written to them, spoken with them and e mailed them to no avail.
Product: Credit reporting or other personal consumer reports

Im reaching out because my credit report contains incorrect information that needs to be fixed immediately. I filed for XXXX XXXX bankruptcy on XX/XX/XXXX, and all included debts were legally discharged. However, my report still shows some of these accounts as delinquent, late, not paid, or charged off, which is inaccurate and damaging.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), credit reporting agencies are required to maintain accurate and up-to-date information. Additionally, the Bankruptcy Code ( 11 U.S.C. 524 ( a ) ( 2 ) ) makes it illegal for discharged debts to be reported in a way that suggests they are still owed. These errors are hurting my credit and misrepresenting my financial status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries made using my information were made that I did not authorize XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX these are all dates of the inquiries I did not authorize XXXX approved the inquiries allowing fraudulent credit card account to open resulting in XXXX dollars of debt on XXXX And XXXX XXXX XXXX XXXX XX/XX/XXXX resulting in XXXX dollars of debt I filed a dispute form for fraudulent accounts with XXXX and freezed my credit as well as placed a fraud alert on my credit report
Product: Student loan

My Great Lakes Federal Student Loan servicer has discharged a refund going to my old previous closed account to XXXX XXXX XXXX XXXX XXXX initiated on XX/XX/XXXX. Great Lakes has mentioned the funds was accepted but the account I had with XXXX has been closed since XXXX or XXXX. So far I have contacted 3 different XXXX bank numbers and one representative just informed me to open an another account but now the funds will be issued 1 to 2 business days back to My Great Lakes. I do not have any online banking, routing or account information to log in since the previous account been closed. And I have contacted Debt Management and the Offset Department at the bottom of GreatLakes letter and still haven't gotten through to a phone representative. MyGreatLakes did not verify with me my banking account information on file and I have made a payment in XXXX to GreatLakes from another account that I now currently have.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference of a XXXX  XXXX account I've writing the credit bureau Experian XXXX XXXX about this account for the past month regarding the the wrong information that's in there for them to remove but its there effecting my credit, if after any reinvesigation under paragraph 1 of any information disputed by a consumer an item of the information in found to be inaccurate or incomplete or can not be verified the consumer agent shall promptly delete that item of information from the file of the consumer or modify that item information as appropriate base on the result of the reinvestigation Also take into consideration this account dated since 2006
Product: Payday loan, title loan, or personal loan

I told them that this loan was fraud and they sent me an affidavit last year. I sent it back and I stopped hearing from them. After a few months they said they will remove it off my credit. Then proceed to charge my credit like 7 times. Then told me to file a police report. FCRA Section 609 and FCRA section 604.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following inaccurate items that are on my credit report i previously sent letter to XXXX TransUnion XXXX and they have not acknowladged my despute TransUnion XXXX XXXX XXXX XX/XX/year> XXXX {$6000.00} DEPT OF EDXXXX XX/XX/year> XXXX {$6000.00} XXXX XXXX XXXX XXXX XX/XX/year> XXXX {$6000.00} XXXX XXXX XXXX OF XXXX XX/XX/year> Acct : XXXX {$9700.00} DEPT OF ED/XXXX XX/XX/year> XXXX {$6000.00} XXXX XXXX XXXX XXXX XX/XX/year> XXXX {$6000.00} U S DEPT OF EDXXXX XX/XX/year> Acct : XXXX {$9700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whomever this may concern The results from an Investigation by XXXX in XXXX of XXXX  resulted in the DELETION of ( XXXX ) Accounts furnished by XXXX XXXX XXXX ( Account ( XXXX ) # XXXX and # XXXX ). These accounts were deleted because they could not be validated due to their fraudulent nature. I have since diligently attempted to get EXPERIAN to comply with the law as well. Experian continues to deny me my right to an accurate credit report after multiple disputes, as well as proof that the collection account furnished by XXXX XXXX XXXX is the result of identity theft. According to 15 USC 1681 s-2 ( b ) ( D ) : if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis. The negligence and unruly behavior demonstrated by both XXXX XXXX XXXX and EXPERIAN have resulted in immense adverse actions and damages. Please delete and block any and all accounts furnished by XXXX XXXX XXXX  immediately. 

XXXX XXXX XXXX
Product: Debt collection

Looking to get validation of Debt owed from NAVY FEDERAL CREDIT UNION I never got a credit card account with them, Need to get validation of debt owed from them directly because I am confused. Need open date directly from NAVY FEDERAL CREDIT UNION in writing no other place no other creditor but from NAVY FEDERAL CREDIT UNION. I need open date to show proof because if I owe them the debt then I need the original information from them directly. No billing statements but original contract, original documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I obtained a copy of my credit report and to my surprise I had a ton of negative and inaccurate items on my report. I tired to reach out to the reporting agencies multiple times and to no avail. I have wrong names, wrong address, and wrong employers on my report. I have debts from companies that I've never done business with or accounts that were paid off that's still showing a balance. According to the rules that I found online the agencies had 30-60 days to respond and provide proof of these debts and it has been well over 120 days with no answers at all. 

I sent letters attesting these inaccurate accounts on XXXX, XXXX, and again here at XXXX. So many discrepancies across the 3 agencies like different account numbers, different amounts and different names and addresses. These items reporting on my report are totally unfair and a complete violations of my rights. The agencies have had adequate time to contact the alleged debtor to provide proof and until then I'd like them removed from my report. I believe my information was a part of the XXXX  and XXXX hack.
Product: Checking or savings account

A bank account was opened with Comerica Bank on XX/XX/2022, I contacted them and they closed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending numerous letters to the Credit Bureaus for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Experian was XX/XX/2022 with complete attachments of my Personal information, but despite all my efforts, Experian seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Experian investigate and verify the accuracy of the items I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Experian to remove the disputed items with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT THE CREDIT BUREAUS REMOVE THE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX/XXXX  XXXX
Product: Credit card or prepaid card

I am a XXXX XXXX XXXX veteran who is a loyal customer of Navy Federal Credit Union. I served 10 years in the XXXX and while serving obtained a loan through Navy Federal Credit Union. While paying back the loan I became incapacitated and could no longer care for myself. I had to XXXX XXXX XXXX, and XXXX. My brother XXXX XXXX XXXX was taking care of my finances at the time and supposedly notified everybody of my XXXX and XXXX situation. Time went by and after XXXX, I am now able to care for myself. I love XXXX XXXX so I apply for a credit card through them and i'm denied saying that there was a loss. After calling and getting further details, an account that was supposed to be forgiven and/or repaid at a later date per conversations with my brother XXXX and a Navy Federal representative when I was able to settle my own affairs is what Navy Federal is holding against me. It isn't fair that I served my country and acquired injuries that left me unable to attend to things for quite some time and now it's being held over my head. Forgiveness or repayment should have been honored due to the situation. I feel so horrible and embarrassed because everything is always an act of good faith with me. I shouldn't be admonished for serving the military and being injured, I shouldn't be denied the luxury of applying openly for credit with my favorite bank, it isn't fair and it isn't right. I do not care if I have to pay it back or if it is forgiven like agreed upon, i'll do it because I intended to move all of my accounts that my brother opened back to Navy Federal. Please investigate this case as I shouldn't be treated this way for such a horrible reason. Let 's make this right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ccs collection was open on XX/XX/XXXX and I paid it off XX/XX/XXXX got a notification that my credit report took a XXXX for doing so. I dont believe I should be penalized the points for paying off the debt in full and would like the points on my credit report back if not more
Product: Debt collection

In XXXX of 2022 an account with Rocket Mortgage was listed on the XXXX XXXX credit report. I have never done business with this company as this is a result of identity theft.
Product: Credit reporting or other personal consumer reports

I WAS PREVIOUSLY EMPLOYED BY XXXX XXXX XXXX FROM XXXX UNTIL XXXX AS A XXXX XXXX  UNIVERSITY XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNTIL XXXX AS AN XXXX XXXXXXXX FELLOW, XXXX XXXX XXXX XXXX XXXX XXXXXXXX FELLOW FROM XXXX UNTIL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FROM XXXX UNTIL XXXX, AND XXXX AS XXXX XXXX XXXX  FROM XXXX UNTIL XXXX. I HAVE BEEN EMPLOYED WITH THE U.S. DEPARTMENT XXXX XXXX XXXX AS A XXXX SINCE XXXX UNTIL PRESENT. My credit report was inaccurate.
Product: Student loan

My repayment for the Parent Plus loan that was taken out through XXXX is not with Navient. The payment is XXXX a month. I can not afford this. My elderly Mom recently moved in with me and I am her sole caretaker. Please let me know if there is anyway I can get this loan wiped out or cheaper a month. The first installment was due in XX/XX/XXXX but I have put payment off through Navient until XX/XX/XXXX. Then I will be calling again to defer the payment. Meanwhile my interest is compounding. The Total amount of the loan is over {$42000.00}. Please help
Product: Student loan

For the past XXXX months, I have paid my student loans and received confirmation of payment. Each time, AidVantage has " reversed '' the payment. Now I am XXXX months delinquent and they will not accept payment. My bank account and routing number are correct with Advantage and successful payments have gone through using those same credentials in 2023. As a result, I am incurring unnecessary interest. I have submitted claims to advantage customer service and I do not receive a response. I have called but the wait time is over XXXX hours each time and they do not call back. I believe this is a ploy on behalf o the company to obtain more money from interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent charges on my account. Accounts I have no knowledge of on account. Tried to dispute them off to be removed but never able to get in touch with anyone or able to login the dispute center. Shared information without consent
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a hard inquiry done on XX/XX/2021 stating that my credit report showed numerous accounts for my student loans. Then on XX/XX/2021 I received a letter from Nelnet stating that my XXXX XXXX Stafford-Unsub students loans had a balance of {$6000.00} and a XXXX XXXX XXXX student loan had a balance of {$3400.00} totaling up to {$9400.00}. However my award history from the University of XXXX XXXX statement shows I was awarded in XXXX Federal Direct Sub Loan for {$1700.00} and XXXX XXXX Unsub loan for {$3000.00} a total of {$4700.00}. However according to my credit report stating that I had a derogatory remarks and past due amounts of {$5400.00}. I am fusion I am losing the opportunity to buy a home and a government down payment assistance grant.
Product: Credit reporting

The collection agency is reporting a open judgement on a credit card ( XXXX XXXX ) The account in question has been settled in a chapterXXXX that was discharged in XXXX 2014. I have since obtained XXXX XXXX cards and know for a fact that if it was n't paid I would n't have XXXX cards now. I think information should be updated like it is on my other credit report but silly me. In the times of all this computing power it should be instantaneous but they make hardships on people who have it bad enough reporting old or outdated information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts that I didnt open were on my credit report couldnt dispute the charges and account with the 3 major credit services Equifax ( XXXX ) had to eventually pay the amounts they listed to have some form of decent credit score eventually they have started the same things with new accounts not listing paymentsXX/XX/XXXX-present .XX/XX/XXXX Amounts XXXX XXXX XXXX not my account couldnt dispute charges with company or credit reporting agencies they kept resurfacing the debts or amounts owned to company XXXX and XXXX XXXX  ) XXXX overdraft fees and a account I couldn't dispute XXXXpresent XXXX XXXX XXXX  large payments wouldn't post after making them, XXXX  XXXX XXXX couldn't resolve the debt through payments amounts each month card debited without permission services no longer needed they wouldn't remove further cost and fees endless charges for paying certain amounts to process payments on time late fees without being late just endless. XXXX two accounts each month paid accounts on time adjust amount as the recommended they added a account I didnt have they said I had ( 3 ) accounts only had two accounts I spoke with them severaltimes about my concern and they returned my balance to the full credit limit what I owed.
Product: Consumer Loan

I have received an e-mail from a Prosper that my personal loan application was declined and stated that my XXXX score is XXXX. I called Proper and I spoke to customer service rep who confirmed my Ss and DOB and refused to informe me who have appliec on my behalf or the source of their info, she stated that it wo n't affect my credit while they have a full info on me. 

The name is Proper Marketpace Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX
Product: Debt collection

Alliance Collection AG {$320.00} XX/XX/XXXX Alliance Collection AG {$83.00} XX/XX/XXXX Alliance Collection AG {$430.00} XX/XX/XXXX Alliance Collection AG {$160.00} XX/XX/XXXX Alliance Collection is reporting on my credit as a debt. I have not done business with Alliance.