23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I check my credit score every day and on XXXX XXXX my credit score was at XXXX, but when I checked it on XXXX XXXX, 2016 my score had fallen to XXXX ( XXXX devastating points ). I contacted XXXX and XXXX and discovered that XXXX ( Student Loan ) reported my XXXX payment as 30 days late although my payment was due on XXXX XXXX, 2016 and I made my payment on XXXX XXXX, 2016, which is only 15 days late. I would like to dispute the 30 day late payment for XXXX 2016. 
I have attached receipts of my on time payments with this letter for the last six months. My next payment is n't due until XXXX XXXX, 2016, so a receipt for that payment is not included. I am preparing to purchase a home for me and my daughters and am devastated by this set back after proudly watching my credit score rise over the last six months. 
Today, XXXX XXXX, 2016 my score rose by XXXX points to a high of XXXX with XXXX. I have no recent late payments and these credit reporting bureaus are playing with my credit score raising and dropping my score as they see fit. I spoke with the credit bureaus and they provide very limited information. I also spoke with XXXX, my student loan provider and they have confirmed that I do n't have any late payments with them. I have gone through my entire credit report and there are no recent missed/late payments that would 've caused my credit score to drop. This situation bothers me even more today than it did on XXXX XXXX, becase my score rose XXXX points today and if if the credit bureaus had not dropped my score on XXXX XXXX I could be well on my way to almost a XXXX credit score. I really need assistance with this because I am making all types of sacrifices to make sure my payments are on time and I am trying to change my life as well as teach my XXXX daughters about credit in the process. Please help me with this i beg of you!! 
Also, on my credit report it shows that I did n't pay the full balance to XXXX for a XXXX XXXX account I had. I have attached receipts to show that the account was paid in full. 
Please let me know if you need any additional information to expedite this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX charged off {$620.00} Through the country door charged off {$1500.00} XXXX XXXXXXXX XXXX paid in full XXXX XXXX XXXX XXXX  charged off paid in full XXXX bank XXXX {$1800.00} charged off XXXX XXXX XXXX, I missed payments due to Covid XXXX I am current now
Product: Credit card or prepaid card

This is related to a Citibank Double Cash Card MasterCard. I always pay my full balance on time. This year XXXX XXXX XXXX fell on a Sunday, so the holiday was observed on Monday, XX/XX/XXXX. Typically the due date would shift to the next day when it falls on a weekend, and shifts again in this type of situation. My bank made the scheduled payment on XX/XX/XXXX as both they and Citi were closed in observation of the holiday. 

However, Citi charged me a late fee of {$39.00} and interest of {$500.00} on a balance that had been paid on time and in full. I called Citi and they removed the charges from my account. However, this has clearly be done to many customers, and from my perspective is highly unethical and could be considered fraudulent. It is concerning that they are only addressing the issue for customers who call to complain as this is a widespread issue.
Product: Credit reporting or other personal consumer reports

My information was released in a data breach - this is prohibted under law ( 15 usc 61 ) my right to privacy
Product: Debt collection

XXXX Business Account # XXXX XXXX XXXX XXXX XXXX Charities : XXXX never sent a finale bill out as to the return of there equipment was return. 
I was also informed that once that got the equipment back they could not send out a finale bill and it could take up to once the equipment return 30 days to process before i would get a bill. 
I got a bill and call them several times being 8 times in one month a rep would call back every time when you call XXXX is another state not even in XXXX XXXX and nothing but the run around with spectrum. 
McCarty Burgess & wolf contacting me before it was even 30 days of the account closing harrassing me about the bill and threating me. 

MC Carty Burgess & Wolff XXXX XXXX XXXX XXXX OH XXXX Phone # XXXX XXXX Mc Carty Burgess & Wolff is very ruid and when contacting bill changes every time nothing but con artist. 

Nor did Mc Carty Burgess & Wolff mail me any type of notice nor XXXX as before sending it to MC Carty Burgess & Wolff as to dispute the bill. 
XXXX  never return calls or letter mail to them over the situation
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/2020 I sent out certified letter with return receipt to XXXX  XXXX XXXX XXXX at address of XXXX. XXXX XXXX XXXX GA XXXX didn't get the return receipt and no response. I also sent out certified letter with return receipt to Experian on XX/XX/2020 at XXXX. XXXX XXXX XXXX TX XXXX. Didn't get the return receipt or any response. 
I was inquiring about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by federal law to verify through the physical verfication of the original signed consumer contract.Under the FCRA, unverified accounts must be removed and if the credit bureaus are not able to verified proof, they must remove the accounts listed below : 1 ) XXXX  : is still on my credit report with XXXX  deleted off the other two bureaus 2 ) XXXX XXXX ( 2 accounts ) : are still on my credit report should be deleted 3 ) XXXX XXXX XXXX : was deleted 4 ) XXXX XXXX XXXX : still on my credit report should be deleted 5 ) XXXX XXXX XXXX : still on my credit report should be deleted 6 )  XXXX XXXX : still on my credit report should be deleted. 

None of the credit bureaus or creditors/collections have proved me with proof of what was ask for in the letters that were sent. So, by law these item should be deleted if no proof was given.
Product: Debt collection

XXXX XXXX XXXX as Custodian on my 401K is insisting that I pay {$670.00} in annual fees on an asset that expired and defaulted in XX/XX/XXXX. They demand a further {$370.00} to close the account. I have repeatedly asked that they cancel the asset since late in XX/XX/XXXX ; they refuse. I have asked for copies of my original custodial agreement ; they have not complied -- and indeed, sent me someone else 's confidential account opening information, including Social Security number, instead. 

They were carrying the asset at a false value for 6 years until I demanded that it be written down to {$0.00}, as it is expired and defaulted and has no market value. They have now referred the {$670.00} fees to a debt collection agency, Universal Fidelity LP. I believe XXXX XXXX XXXX is in breach of custodial and fiduciary duty and are only concerned about their fee stream. The clearly have NO IDEA what is going on with this asset and apparently want to assess me {$670.00} fees per annum in perpetuity for an expired and worthless asset. A responsible custodian/fiduciary should be looking after its client 's interest, not its own fee stream.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2021- XXXX reported a XXXX XXXX Bankruptcy filing on my credit bureau report. I wrote XXXX and requested that this be investigated and removed. After over 6 months of going back and forth with XXXX, I contacted the Bankruptcy court who responded by saying that they did not Verify the information that XXXX had stated it had received from the US Bankruptcy Court. To date XXXX is the only bureau that reports this public record on my report and at this time, this has costs me several credit opportunities. No lender will even look at my application because of this error. 

I have supplied XXXX with a copy of my credit reprot demonstrating that XXXX is the only bureau showing the Bankruptcy Filing and the other bureaus do not show this filing. Secondly, I forwarded a copy of the letter from the bankruptcy court, and I also sent XXXX a letter of incarceration demonstrating that I was 'in prison ' at the time of the bankruptcy filing. They still will not remove this record or any of the inquiries and adverse information associated with the bankruptcy filing. I am seeking resolution of this issue by XXXX removing the XXXX  XXXX Bankruptcy, all accounts referencing a bankruptcy and any inquiry on my credit file in the last 18 months as I was in prison during this time and did NOT authorize XXXX  to allow my credit to be pulled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not properly secure my protected personal identifiable information from intrusion. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by what I saw in news reports, which in turn link to a third-party website asking for social security numbers plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Product: Money transfer, virtual currency, or money service

I attempted to send money to my daughter via PayPal 's " send money to a person '' feature. Usually, this is an instant transaction. This time, it wasn't. Instead of an instant transaction, PayPal issued an e-check which takes 3-5 business days. When I looked up information about how to cancel this, I found this on their site : https : //www.paypal.com/XXXX   XXXX & XXXX & XXXX " Can I cancel an eCheck? 
No, but the recipient can cancel an eCheck. If we have not begun processing the payment at the time the recipient makes the request, we will cancel it outright. If we have already begun processing the payment, we'll refund the money into your PayPal account. '' My daughter immediately canceled the transaction. Yet, PayPal took the funds anyway. When I tried to reverse this to get my funds faster all of my requests were refused. I have to wait as long as 8 days to receive funds that they took out of my account when I didn't intend for them to come out at all. 

My bank, XXXX XXXX, also would not help. 

I'm attaching two files. One, a screen capture that shows the transactions were canceled and the second, a screen capture that shows the money came out of my account anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am puzzled why these account show up on my credit report out of nowhere.. It must be that someone use my identity..The accounts were fraudulently opened in my name..I did not make the charges..I am requesting that the items be blocked to correct my credit report.. XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX  )
Product: Debt collection

I work XXXX hours a week while also being a part time college student, and I often times do not check my email that is not associated with my schooling. I was contacted XXXX time by the Merchants credit guide once on Friday XX/XX/XXXX. In the email it stated that I had until XX/XX/XXXX to dispute any debt I owed. This was a debt I didn't even know I had from the beginning of XXXX ( XX/XX/XXXX ). From the month of XX/XX/XXXX to XX/XX/XXXX I received no other email, letters, or phone calls to acquire my debt. I was unaware I even had debt until XX/XX/XXXX I get XXXX notifications. XXXX from XXXX, XXXX from XXXX and another one from my XXXXXXXX XXXX XXXX account telling me there is a new debt on my credit, and that my credit score has dropped significantly. After that I went through any old mail that I had, I could not find anything from them. I then checked my email and there was XXXX email from XXXX months ago telling me I was in collections. I work and am in school, and am not checking my email all the time, because I often times I get XXXX emails every hour or XXXX. I think that was incredibly sneaky of them especially because they did not contact me after XX/XX/XXXX to tell me I could no longer dispute and that it will show up on my credit report. After I got the massive influx of notifications about my credit score, found the email from XXXX months prior I contacted them to let them know I could not pay this debt off in full, and that since I was only contacted once, I had no idea of this debt that I owed. It has been almost a week, and I have gotten no response from any one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting I XXXX of 2019 when I went to purchase a vehicle and observed trade lines that were not mine. Contacted the ftc and filed fraud package. Also presented police report. The person was caught and locked up. The account was blocked from my bureau and was reported again. I request the XXXXXXXX XXXX account he removed immediately or I will file suit. I also demand a giving score update immediately.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
Affiant Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. ( XXXX XXXX XXXXXXXX ) Account XXXX XXXXXXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by. ( XXXXXXXX XXXX XXXXXXXX ) Account XXXX XXXXXXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint as an aggrieved man against Experian, XXXX and XXXX. I notified them about identity theft and fraud on my credit report. I sent them a fraud alert letter from the federal government, as well as a letter from me asking for certain information pertaining to these fraudulent accounts to be verified, They did not verify the information that I requested. Instead they say that the information is accurate and it is not! XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX are all fraudulent accounts create without my knowledge and or consent! If they do not contain my wet ink signature and can not be verified without a doubt these accounts are mine, then they are not mine! I demand these accounts be removed off of my credit report or I will contact my state attorney general and senators to rectify this matter!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report. 
On XXXX XXXX, XXXX, Regional Acc add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent this same dispute to Transunion three times the first two they said they never got it then the next time they some old stall letter and has yet to review. This is not fair that someone has taken my identity and they refuse to help me. Please delete these inquiries from my report. 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

I previously notified you on XXXX that there was information on my consumer report as the result of identity theft. Also that I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. In accordance with the law, the requirement threshold is simply : Proof of identity - a copy of my State ID was provided A copy of an identity theft report - furnished from identitytheft.gov, a government agency The identification of said information by the consumer - listed in my last letter but I digress is as listed : XXXX XXXX XXXX A statement by the consumer that the information is not information relating to any transaction by the consumer - which I have previously stated per the letter sent on XXXX but alas I reiterate once again that this information is not any information relating to any transaction by me as a consumer.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable account unresolved.The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, Alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing.I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Student loan

In XXXX I attended XXXX XXXX XXXX to obtain my XXXX licensure XXXX XXXX, Florida. The student aide dept there obtained funding for my program and I signed for the loans. I had very little understanding of the process & or lender. 

I, obtained myXX/XX/XXXX license and worked in the field for XXXXyrs after as a XX/XX/XXXX 
In XXXX, I went back to school to obtain my XXXX. In my XXXXrd year I was hindered by the inability to procure loans for school. 

In XXXX, I entered a loan rehabilitation program to rehabilitate my student loans ( all defaulted loans ) I enrolled in XXXX in XXXX of XXXX and have been attending since that time. 

Having received my default clearance letter due to loans rehabilitation completion. 

Since, XXXX of XXXX the debt collection company continues to report and actively seek payment on debts they claim I owe. They refuse to remove incorrect remarks from credit reports and incorrect reports from XXXX XXXX  as Dept of Education has provided should be done due to the umbrella loans into rehabilitation and the XXXX XXXX reporting regulations. 

I have no knowledge of ever entering into any agreement with ECMC as a loan servicer in XXXX for XXXX XXXX XXXX for XXXX XXXX license or any other degree. Yet, the company continues to cause detriment to my credit rating and harase for payments I do not believe are owed through this last two years ; while I have been attending XX/XX/XXXXas a full timeXX/XX/XXXXXXXX.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Credit Reporting and Inadequate Investigation by TransUnion To Whom It May Concern, I am writing to formally file a complaint against TransUnion regarding the ongoing issues with my credit report for the past five years. Despite my repeated attempts to resolve discrepancies, I have encountered a lack of accurate reporting and inadequate responses from TransUnion.

Timeline of Events : [ Year 1-4 ] : Over the past several years, I have contacted TransUnion multiple times about inaccurate information on my credit report, including but not limited to incorrect account statuses, missed payments, and outdated entries. 

[ Year 5 ] : I escalated my concerns due to persistent issues that had not been addressed. I submitted a formal dispute with TransUnion, requesting a thorough investigation into the errors. 


Issues Experienced : Despite my clear and repeated requests for corrections, TransUnion 's investigations appeared half-hearted or, in some cases, were not completed at all. The inaccuracies remained uncorrected, which led to further complications with my credit standing. 

On multiple occasions, I received little to no feedback or resolution regarding my disputes, which I feel has directly impacted my credit score and overall financial health. 


Actions Taken : I contacted TransUnion through [ email/phone ], submitting formal disputes and providing supporting documents for the claims I raised. 

I followed up with TransUnion after the initial investigation period to inquire about the status, but I received inadequate responses or no follow-up at all. 

I requested that TransUnion perform a comprehensive review of my report and provide me with a full explanation of their findings and any corrections made. 


Outcome : TransUnion 's responses have been unsatisfactory and have not addressed the inaccuracies on my credit report. As a result, I have not seen any tangible improvement in my credit standing, despite my ongoing efforts to resolve the matter. 




Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my report and still see the accounts that I have been disputing appearing XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is clearly a violation of my rights and demand that these items be removed on my credit report ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 FOLLOWING ACCOUNTS ARE REPORTING INACCURATE
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is still showing a balance of {$150.00} as I agreed to pay {$220.00} to resolve my account. This account should be closed as I paid it off a year ago.ytis is my second or third time contacting you since I paid this please update my credit report or I will file a suit against you for harrasment