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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

My husband contacted this company to request more information about the debt they are collecting, since we never received any collection notice is not easy to pay the bill without knowledge what is it for. 

He spoke with a representative named " XXXX '', he explained he wanted to pay if bill but is very unfair that we never had the chance to pay it or dispute it before it goes to collections, she said I paid {$25.00} dollars in the past, but paid it because the collector pushed and threated ME very bad to make payments. He explained I want to pay the bill but I wanted to request a validation of debt, She claims that they mailed some validation on XX/XX/2020, and do not have a mail returned, He clarified we have some problems with the mailboxes and some mail just disappears, so I was asking for a validation by email, fax or mail but I was wondering to know what I was paying for. 

The representative very unprofessional said she won't send a new validation just because they mailed once but my husband already explained we didn't received. 

Asked for a manager but she ended disconnecting the call. 

I am just asking for a validation of debt because this collections is coming from a checking account and is very confusing for me to know what the bank is collecting.
Product: Debt collection

I started going through Acima XXXX XXXX. 
My payments were {$97.00}. I never missed a payment. On XXXX XXXX, i lost everything in a house fire including the furniture i got through them. I reached out to Acima Immediately to try to end the contract. They told me to send proof of everything and i did just that. I sent pictures of the furniture and the fire statement. After that they basically told me i was responsible for the furniture and i should have gotten it out. I havent heard from them since. Now they are trying to sue me for fraud.
Product: Mortgage

Im filing a complaint regarding a XXXX late payment reported by Freedom Mortgage on my XX/XX/year> payment. I was never notified, warned, or contacted by Freedom Mortgage that I was at risk of being reported to credit bureaus. Had I received any form of communication, I would have paid immediately. 

I discovered that the payment was marked late when I saw the impact on my credit score. I contacted Freedom Mortgage and spoke with a representative and a XXXX, but I was treated rudely and told there was nothing they could do. 

My payment history from their on their portal clearly shows a late fee was assessed on XX/XX/year>, and I paid the outstanding balance for that month imidiately when I logged on on XX/XX/year> ( including the late fee ). 

This is my first late payment in years of on-time mortgage payments. I am asking for the CFPB to review this and encourage Freedom Mortgage to submit a goodwill removal request to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XXXX XXXX XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE
XXXX XXXX XXXX XXXX
AUTHORIZED USER
Credit usage
40%
Balance
XXXX  Balance updated
XXXX XXXX XXXX
Credit limit
XXXX  Account info
Account number
XXXX  Open/closed
Open
Date opened XXXX XXXX XXXX  Account type
Credit card
Status
Open/Never late.
Status updated XXXX XXXX  Highest balance XXXX
Monthly payment XXXX
Last payment date
XXXX XXXX XXXX
Contact info
Address
XXXX XXXX XXXX XXXX XXXX XXXX
Phone number XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted the credit bureaus and the student loan servicer, and they responded, stating that the information reported was correct within XXXX hours. I was not notified where they checked or if they have copies of the original documents that were signed because the information that is being reported is not correct. I request the removal of the information until it is reported correctly because it has hurt my credit rating. After all, the closed account appeared open the same month it was paid in full. I graduated in XX/XX/XXXX and would not have had a loan after graduation. 
Incorrectly reported balance {$4500.00} current and starting balance incorrect potential duplicate XXXXDEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance {$7500.00} current and starting balance incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance {$5500.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance {$6000.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported current and starting balance {$2200.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened XXXX XX/XX/XXXX Incorrectly reported balance current and starting balance {$9500.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance {$3400.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance {$17000.00} XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance {$3200.00} incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX Incorrectly reported balance current and starting balance incorrect potential duplicate XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX The open date for this loan is incorrect. XXXXDEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX : {$0.00} owed on the loan is correct. 
The open date for this loan is incorrect. XXXX/DEPT OF ED Loan XXXX, Date opened- XX/XX/XXXX : {$0.00} owed on the loan is correct.
Product: Mortgage

Sometime in XXXX of 2021 Bank of America placed me in a loan Forbearance program without my consent. 

They sent paperwork for me to sign which I declined. 

I submitted the XXXX & XXXX payments electronically on the acct as always but the payments remained as " Unapplied Funds ''. 

I was concerned about the unapplied payments on the account and called in several times. I was told a request had been generated to remove me from the program and apply my payments. On XX/XX/XXXX - Over two weeks after the XXXX payment and 8 days after the XXXX payment the payments were applied. 

Despite the problem having been created by Bank of America they reported my account as late to the credit agencies and my credit score fell by 74 points. 

I have requested Bank of America correct the record with the credit agencies and I'm only being told they are reviewing that request.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I had an overdue medical bill from date of service XX/XX/XXXX  with   XXXX   XXXX   XXXX   in the amount of {$1300.00}. Due to financial hardship the bill was turned over to   XXXX   XXXX   XXXX   XX/XX/XXXX  and they aggressively pursued debt collection attempts. I had no way to pay them so it then went to   XXXX   XXXX   Judicial District Court on  XX/XX/XXXX  and a hearing date was set for XX/XX/XXXX for conciliation hearing. I was notified, by mail, of a judgement entered for  XX/XX/XXXX . My place of employment at the time was mailed the garnishment information on  XX/XX/XXXX  and withholding of wages was to start  XX/XX/XXXX .
I called and spoke with   XXXX   XXXX   with   XXXX   XXXX   at  XXXX  and made payment arrangements for two check installments of {$780.00} for  XX/XX/XXXX  and  XX/XX/XXXX . I have proof of one check being deposited by anchor bank   XXXX   trust account   XXXX   on  XX/XX/XXXX  but can not provide a copy of the check on  XX/XX/XXXX  due to my bank records online only going back 15 months.
My issue is that I am trying to sell my house and their is a lien on my title and an unsatisfied judgement on my credit record due to this debt. It was paid in full and when I call the phone number   XXXX   or   XXXX     XXXX   XXXX   XXXX   it either plays a continuous busy signal or a recording says " all circuits are busy ''. My closing date is in a week and I need this cleared up. Please help in any way you can.
Product: Debt collection

On XX/XX/XXXX, I received a collection letter from Sunrise Credit Services that XXXX placed my account in collections. After contacting XXXX, it was confirmed to be an error and should have never been placed in collections. 
MULTIPLE times I contacted Sunrise and spoke with XXXX XXXX. She said she was a supervisor and I needed to file a dispute. She said they would not contact XXXX to confirm the account was sent to collections as an error. XXXX gave me the email address to send my dispute and I did on XX/XX/XXXX and again on XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX XXXX stating they have tried to contact me numerous times and failed so XXXX had asked them to report my debt to my credit report ( both lies ). Today, XX/XX/XXXX, I contacted XXXX with sunrise again and she still refused to contact XXXX and stated they still did not receive my dispute and gave me the address to mail her a dispute. After hanging up with XXXX I contacted XXXX again and spoke with a supervisor who stated I did not owe anything and sunrise had been notified of that. Since sunrise refuses to help me, I was advised to make a complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX Subject : Request for Removal of Inaccurate XXXX Record Dear TransUnion, I am writing to formally dispute a public record entry on my credit report. According to my XXXX XXXX report, a XXXX XXXX XXXX filed on XX/XX/XXXX is being reported. However, this case was voluntarily dismissed, as shown in the attached documentation. 

Under the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate and verifiable. Since this bankruptcy was not completed or XXXX, and was instead voluntarily XXXX, I am requesting a reinvestigation and removal of this entry from my credit file. 

Details of the disputed record : Type : XXXX  XXXX XXXX Date Filed : XX/XX/XXXX Status : Voluntary XXXX Reference Number : XXXX This inaccurate reporting is having a negative impact on my credit profile and does not reflect my current financial status. Ive attached a screenshot of the XXXX XXXX report for your reference. 

Please investigate this matter and remove the XXXX entry if it can not be verified or if it does not meet FCRA reporting standards. Kindly provide a written confirmation of the results of your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Any balances owed are not owed by XXXX XXXX. Upon the return of my phone my number was sold. Then a year later Its stated that I owe a balance on an account that I made good a year prior. Who ever sprint immediately sold my number too acted as if they were me illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about beginning of XXXX XXXX i had apply for a credit card ( walmart /capital one ). it was turn down because of the credit score that XXXX had sent them ( XXXX ). i had called XXXX about it and they said they did not tell capital one that, dated XX/XX/2020 from source : XXXX consumer relations. I have an XXXX credit score of XXXX on line from XXXX. i had filed a dispute with XXXX  on XX/XX/2020, about this. ( # XXXX ) .now i don '' t who is tell what to who or who is just putting down the wrong information. I had sent a letter to capital one with the same information, that seem to be the only way to contact.them haven't heard from them. 

Now just apply for a XXXX XXXX credit that was turn down by The creditor is XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX again by XXXX  info, .I only use 2 % of my credit creditworthiness. & credit score of XXXX i have 21 credit card i really don't need another card but i get for the discount & rebates. 

THANKS XXXX XXXX
Product: Credit card

Hello, I've had trouble paying off my {$300.00} credit limit with Target XXXX XXXX serviced by TD Bank. Every time I've made a payment the last few months, it's been returned and I couldn't understand why. I looked at my transaction history and TD Bank is charging me XXXX Return Payment fees ( {$30.00} x XXXX ) every time they state my payment was returned. I've never been notified by my bank of transactions not being able to be completed. It seems like a money grab. If the returned payments are valid, that's entirely fine, but to be charged twice each time is criminal. I've requested the transaction history and the card holder agreement to see that the fees are either not present or valid, and I wasn't able to get either one upon request. I'm attaching screenshots of my card transaction history that show clearly I'm being charged {$60.00} every single time that they claim my payment was returned. I called customer service on XX/XX/year> and requested this information. I was put on hold, but my call was promptly dropped.
Product: Prepaid card

I lost my card and seen some unfortunately charging on my account I disputed it and the investigation agent promised me a provisional credit I never received and the investigation was a scam it was a week literally
Product: Credit reporting

ALL CREDIT AGENCIES REPORTING OUTDATED AND FRAUD ACCOUNTS/ NEVER DONE BUSINESS WITH COMPANIES ... .REMOVE FROM CREDIT FILE ASAP ... '' PUBLIC RECORDS XXXX BANKRUPTCY XXXX X ON FILE, DATA CENTRAL XXXX ON FILE, XXXX XXXX X ON FILE, XXXX XXXX XXXX XXXX ON FILE ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PENTAGON BANKCARD IS REPORTING AN INCORRECT BALANCE ON MY XXXX  CREDIT REPORT. THE BALANCE IS {$0.00}
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these ITEMS ( A ). It is not permitted to report these ITEMS as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX  XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my only loan with Mariner Finance last month and made my first payment on XX/XX/2021 on the new refinanced loan. I had the loan moved to the XXXXXXXX XXXX XXXXXXXX and refinanced the loan so the terms are now 12 mo at {$740.00} mo. I have made the first payment. Yet none of the credit bureaus have updated this on any of my credit reports and they still show the old loan. I want all three bureaus XXXX XXXX  and XXXX all three to update and close this old loan and add the new loan. They can contact Mariner Finance to take care of this it is their job to do so! Also XXXX website is again not allowing me to file disputes their website NEVER works they all three need to be shut down they are inept and unprofessional and do not keep our personal data secure either!!! It is the law that if I file a dispute with one bureau they are to update it with the others but they also are not doing this they are making the customer file disputes with all!! I want you to contact all three and Mariner to fix and then make them all three MAIL me paper copies of my corrected reports or I will sue them!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I get a credit report every 4 months from one of the 3 major credit reporting companies in rotation. I try to use XXXX, but almost never succeed. Nearly every time I get the message that " We're sorry A condition exists that prevents ... from being able to accept your request at this time. 

To obtain your ... annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form. 

XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX ''. 

There is no other information provided about the what the " condition '' is. Trying it multiple times always results in the same message. I've used the website " Contact Us '' function on several occasions, but have never once received a reply even though I'm required to provide my full name and contact information. 

This is supposed to be the easy and official way to request these reports, but it's a big hassle. I would be better served if the government and the credit reporting companies didn't even pretend that they want to make it easy to obtain my free credit reports.
Product: Checking or savings account

XX/XX/XXXX around this time of 2021 I opened a checking and savings account with USAA, prior to me leaving for XXXX XXXX training on XX/XX/XXXX. I set up my direct deposit with my XXXX  shortly before leaving for XXXX. After I graduated on XX/XX/XXXX I realized my account wasnt accessible. I called the bank and revived the same answer multiple times saying that they no long want to do business with me. After months and months of them telling me the same thing the only thing new I learned was that my account is under review and they cant tell me why. The only physically bank is in Texas and I live on the XXXX XXXX. Its going to be a year since I havent been able to access the funds in the account that has nearly {$3000.00} in it. I asked then multiple times to close the account and send the money back to where it came from if they no longer wanted to do business with me and they refuse to do so.
Product: Credit card

after getting on XXXX I seen that my score had drop due to hard inquiries. when i had n't given permission for my credit to be ran.
Product: Debt collection

Service date : XX/XX/XX/XX/XXXXAmount Owed : {$610.00} The debt is owed by my mother. She had custody of him during this time. I have constantly told HRRG that I did not have and dont have custody so this should be debted to her.
Product: Credit reporting or other personal consumer reports

I can not access my Equifax report. I called customer service to notify them that I can not see my report. They told me that nothing was wrong with my report. I checked the Equifax website and it says that my report is blocked due to " promotional purposes ''.
Product: Bank account or service

I went into sears and purchased a refrigerator and financed it through their credit card, and never got a statement, and also now was reported past due with the credit bureau. I am a XXXX and was treated with distain and like a criminal. I was interrupted many times as I was trying to talk and one person I talked to, XXXX at either sears or Citi bank said that if I make the XXXX dollars that would be fine, she would correct my credit bureau and also make sure all charges were taken off the account,, Then on Saturday I was called by Citi bank and said I was past due. I got a chance to call them today thinking it would take time to correct all the above to find out that nothing is corrected and that I still am past due. I paid the amount ( XXXX ) immediately and now am contacting you. I assume that nothing will be done and I will hear nothing from Citi Bank or sears, but I know my collection department does what we say will do.. and they should too. 

XXXX XXXX Phone : XXXX | Fax : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint for XXXX, XXXX AND TRANSUNION since they have ignored my letters sent for the update, elimination and correction of some accounts that are negatively affecting my credit, I am very unhappy that they do this when I am entitled to a fair credit. 

It's been several months that I've been trying to fix my credit because I know that I have the right and that the law protects me as a consumer. 
Not even sending validations for my accounts has he wanted to answer me when they are supposed to have 30 days to do so.