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

I have contacted Equifax about removing an inaccurate chapter  XXXX  bankruptcy being reported on my credit file. I have requested validation of this chapter  XXXX  bankruptcy by the court and my original signature on this chapter  XXXX  bankruptcy. Equifax has not provided me any requested documentation. I have a signed letter from United States Bankruptcy court stating that the court does not verify records with the credit reporting agencies. Equifax is using a third party to report this inaccurate information. I 'm requesting the immediate deletion of this in accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2011, the house that I owned was short sold ( agreed by the mortgage company ) to  another couple. In this process, XXXX XXXX XXXX, who has become XXXX XXXX XXXX wrote a promissory note in the amount of {$15000.00}. At the time, I was convinced that this was the only option that I had due to the hardship that was being faced by my family. After the closing on the house, we were not able to make a payment to the promissory note. It has now been 6 years and 9 months. I have had multiple conversations with the team over at Experian about how this account is being report on my credit report. The agents themselves have told me that the information they are reporting does not make sense. 

The first item is that this is being reported as a mortgage, but I do not own property to have a mortgage against. This property was sold back in 2011 and can not be considered a mortgage or real estate loan. 

The second thing is that Experian advised that XXXX XXXX XXXX continues to change the status of the report to make it look like payments have been made on the account in order to reset the date that the account would fall off of my report. 

The third thing is that this is reporting as a mortgage loan that has not been paid on in almost seven ( 7 ) years. I do not know of any financial institution that would allow someone to live on real property in a master planned community that has not been paid on in this amount of time. This would have been a foreclosure years ago if this was a true mortgage. This is yet another instance showing that the account should have been closed years ago and should not continue to have changes in reporting to the credit bureaus to have this to unfairly continue to report negatively against me. 

I have reported to both Experian and XXXX  that I do not own any real property and therefore can not have an open mortgage account on my credit report. They have disputed this with XXXX XXXX XXXX, but they keep sending inaccurate information back to the credit bureaus of this being a mortgage account with no property attached, changing the status of the payments in order to have the credit reporting agencies to continue to report this account. 

This account is not being reported in accordance with the Fair Debt Collection Act and needs to immediately be removed from my credit reports.
Product: Student loan

I have been paying a monthly fee to a company called 1File.org, however the transaction on my account always said " Department of Education '' , until 2 months ago. When I start this agreement with the company, 3 1/2 years ago I was lead to believe is was the Department of Education. I was told they work for the Department of Education and will send my application for the XXXX Loan Forgiveness and help with processing and handling my consolidated loan. I made two large payments in XXXX and XXXX of 2016 to start the process of consolidating my loans and applying for the XXXX, I was under the impression that the money I was paying would go towards my loan and they were handling all the paperwork, as the DOE. Since XX/XX/2016 I have paid {$39.00} every month. I was just informed, today, by my loan company that they are a third party company that reapply for me ever year. That I could reapply with them much easier and not need a third party company, after explaining my confusion and explaining who I thought they were I was given this website to file a complain. I have paid of {$2000.00} to this company, and they never submitted a teacher loan forgiveness application for me. Something I should have received years ago.
Product: Credit card or prepaid card

I've made several attempts to pay a charged off account with XXXX XXXX XXXX The amount of the charge off is {$2100.00}. Between yesterday and today I've made at least 10 phone calls and wasted hours of my time trying to resolve this account. The call I originally made they advised me that the account had been sold to XXXX XXXX XXXX and they gave me the phone number of XXXX to contact them. I contacted them yesterday and they advised me that they have nothing regarding this. Today I called XXXX again at XXXX and they provided the same information as I was provided yesterday. I expressed to them that I wanted to resolve this account and how could I do this. They gave me a different phone number for XXXX XXXX XXXX XXXX so I tried calling again. Once again I was provided the same information that they have nothing on my account and nothing regarding this debt with XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I put a freeze on my XXXX account due to fraud. During that freeze over 44 companies accessed my account for unlawful and fraudulent purposes. XXXX refused to verify a lawful purpose, ignored my credit report freeze, allowed my personal info to be given for unlawful purposes, refused to allow me to dispute the inaccurate information in my report online and refused to accept my dispute by telephone. I spoke with XXXX XXXX and a supervisor named XXXX XXXX. This occurred on XX/XX/year>2025.
Product: Mortgage

I started the process to remove the PMI in XX/XX/XXXX. Even I explained them that I want to know how much I need to pay to drops my loan to 78 %, they send me the same letter over and over again for 3 months. Because I never received an answer, in XX/XX/XXXX, I paid to the principal {$9800.00} to drop my LTV to 78 %. I calculated the LTV using the original value of the house and the loan I bought the house for {$250000.00} and my loan now is {$190000.00}. Now they send me a letter : " Please be advised, your PMI will automatically terminate when the loan-to-value ( LTV ) ratio reaches 78 % of the original value of the residence, which is in XX/XX/XXXX. The automatic termination date is based solely on the original amortization of the loan. '' This mean that it is automatic termination in this date does not matter if I paid the 78 % before of this day. They don't care 78 % they just follow the date XX/XX/XXXX. 

In the same letter : " For a borrower who has initiated cancellation, the Homeowners Protection Act ( HPA ) provides that, if the borrower meets certain  requirements, then PMI shall be cancelled on the date when the principal balance reaches 80 % of the original value. Currently the original LTV is at 82.1 %. '' How did they calculate the LTV?. They may be used another original value of the house. I'm in this process for 4 months, and I don't know what to do? they don't communicate with me. 

XXXX XXXX XXXX ID : XXXX
Product: Credit card

You are reporting inaccurate accounts on my credit report!! You must remove all of these accounts as soon as possible. This is not mine!! IM WORKING DAY AND NIGHT JUST TO HAVE THIS?? THIS IS UNACCEPTABLE!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I made a payment of {$93.00} to XXXX XXXX XXXX in order to close an account that was delinquent. I was told that my credit report would be updated.As of XX/XX/XXXX the account is still showing as delinquent on my credit report. I received a paid in full letter but my account status has not changed in over two years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report 2 bankruptcies on my credit file both are showing as a Chapter XXXX one filed in XXXX and discharged and then another filed XX/XX/XXXX. Please note the one filed is past the statue of limitations and should not be reporting now and the other is not correct. You can not file a chapter XXXX again for 8 years! There is no way XX/XX/XXXX is accurate! They do not seem to know that the guidelines are for bankruptcy or they would know is this a huge mistake!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to dealer to go purchase my new vehicle. I had my own financing from my credit union at 2.25 %. I still had to present a purchase order from the dealer, so my loan could be finalized and they gave me a paper to fill out which had my information. The financial lady comes up to me and tells me that their dealer can get me in at 3 %, and i obviously declined because i was already happy with my own financing. Ok we finish the paperwork and i get my vehicle and im pretty happy about the purchase. But then thats when i see on my Experian app that the dealer had ran a hard inquiry on my credit. They absolutely did not have my consent nor did they tell me they were going to run it. Why would i even want them to run my credit when i already have a great APR, from my credit union, knowing that they are not going to be able to match it. This was extremely unprofessional of them, and i certainly do not appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX SS # XXXX XXXX XX/XX/XXXX ( Identity Verification documents attached ) In XXXX of XXXX, I disputed various items that were not reporting correctly on my consumer credit reports. This dispute resulted in Experian deleting the following accounts from my credit report : XXXX. XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX In addition, the following addresses were removed from my report as they were also erroneously reporting : XXXX. XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX You can see these deletions on the attached file titled " Experian XXXX '' As I was recently reviewing my credit reports, I noticed that these three accounts and three addresses were reinserted into my consumer credit report ( see attachment titled " Experian XXXX XXXXXXXX ''. As you are aware, as per the Fair Credit Reporting Act 15 US Code 1681i ( 5 ) ( B ) ( ii ) and ( iii ), a consumer reporting agency has to notify a consumer within 5 days in writing that an item is being reinserted into their credit file. I never received such notice from Experian at any point since the items were deleted, yet they are back on my report. 

This is a direct violation of Federal Law, and I am demanding that the information be removed from my reports as they were back in XXXX. In addition, I am including an invoice in the amount {$6000.00} for compensation for these violations as provided by the FCRA. 

Please note that failure to comply to with this request within 45 days of receipt will result in a lawsuit being filed against your company in order to get you to comply with the law, recover the penalties due to me and for damages. I am trying to amicably resolve this situation before wasting the courts ' time with your willful noncompliance of the law.
Product: Credit reporting or other personal consumer reports

I have been notified by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX about a Data Breach within their company. My information has been compromised and someone is using that information to try to obtain credit fraudulently. The following inquiries were made and I did not authorize any of these transactions. 
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 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 These inquiries are causing undue hardship because they are affecting my ability to gain credit. By law I have a right to privacy and by the credit bureaus reporting these unauthorized activities they are in violation of that law. I had to file bankruptcy due to this matter keep happening, I had to because I was a victim of identity theft. I also feel reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX Account XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transworld Systems, a collection agency, is reporting an account to my credit bureaus. They are reporting a Electric Bill that is disputed with the original creditor. Neither the creditor nor the collection agency ever reported this my credit bureau when it was being paid. I received no notice that this was being reported either! They are doing this for one reason, not to report credit history, since they clearly have never done that, they are reporting to extort payment from me. This is not what the credit bureau was designed for.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Hi Transunion, I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of account below. I have no knowledge of this account it is fraudulent. I have never lived at these apartments dont know what this account is about I am not associated with the fraudulent account. Please remove this account as it is messing with my livelihood. 

Account name : XXXXXXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/year> investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 

I have taken immediate steps to address these concerns and am currently in the process of rectifying this issue. Please investigate this fraudulent account as a matter of urgency, and kindly provide me with the necessary information to on and assistance to resolve this matter swiftly. Thank you for your prompt attention to this matter. Please remove this account as it is fraudulent. 

XXXX XXXX XXXX : XXXX Yes it is me disputing no one is representing me at this time. 

( IF THIS ISSUE IS NOT FIXED I WILL GO TO THE ATTORNEY GENERAL FOR NOT FIXING FRAUDULENT ISSUES WITH MY CREDIT REPORT. )
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 19 fraudulent transactions on my credit report on equifax I called them numerous times about this matter and nothing has been done. They are the only credit reporting company reporting false fraudulent information after I stated there was fraudulent inquiries they all been made on 6 day period. I am willing to obtain an attorney and willing to sue for {$2000.00} each inquiry thats is falsely reported on my report. Thats a total of {$38000.00} I am willing to sue for damaging my credit report
Product: Debt collection

I pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : COMMONWEALTH FINANCIAL SYSTEM # XXXX, XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX
Product: Credit card or prepaid card

I rented a vehicle from   XXXX   XXXX   XXXX   in  XXXX  with my  American Express Card.  Claim #  XXXX    XXXX   XXXX   dates   XX/XX/2017 - XX/XX/2017   Vehicle VIN  XXXX   XXXX   XXXX   XXXX  On   XX/XX/2017   had minor accident that left paint scratch on bumper.     XXXX   XXXX   is over charging my credit card a random amount of money that includes fees for dimished value {$2500.00} and loss of use {$520.00} that it is refusing to justify or explain.   Filed insurance claim with  American Express  and placed dispute.     XXXX   XXXX   does not cooperate with AMEX rental insurance and does not provide necessary documents to justify charges and tells me that it 's not their problem how I get the money back from the credit card ; especially charges of {$520.00} " loss of use '' {$2500.00} " dimished value ' ' American Express i s going to resolve the dispute in  XXXX   XXXX  's favor, despite not  XXXX  not having submitted the necessary documents and leave me on the hook to pay for all of it.
Product: Credit reporting

Transunion has fail to provide me with my dispute results in a timely matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX opened : XX/XX/2022 This company has been reporting inaccurate information on my credit report duch as the following : 1. It charged of the debt, but says there os still a balance. Which they can NOT take the loss on their taxes & collect the alleged balance. 

2. They dont have any payment displayed or registered from open date of XX/XX/2022 through XX/XX/2022 XXXX. How can an account be charged off in a month if my open date is XX/XX/2022 and last payment is XX/XX/2022 as reported?
Product: Checking or savings account

On or around XX/XX/2022, PNC bank closed my personal checking account, two savings accounts tied to it and a business account, suddenly without warning or explanation. When I called customer service I was given an 800 number along with a reference number and was told they were closed by the fraud department. When I called the fraud department they said they didnt have to tell me any reason why but my funds of just over {$11000.00} were sent by cashiers checks through the mail. In the meantime, I am locked out of all my accounts, have no access to any of my money and Im extremely concerned about a paper cashiers check being sent through the mail. PNCs abrupt seizure of 100 % of my money is unconscionable and has caused tremendous disruption to me personally and my business. I am on my second day having had to borrow money as I have no access to my own.
Product: Credit card or prepaid card

I have tried numerous times to create and online account to be able to make my payments easier and they will not allow me. I have tried calling numerous times and still they will not allow me. I have called them and last time verified all my information and still they said it wasnt me and would not allow me to speak about anything on the account, were very rude toned etc toward me. With my hours at work its hard to have to call and pay and now they wont even allow me to use an automated system to pay.
Product: Student loan

information is not correct. the balance had been considered as paid due to the fact that I was not enrolled. I withdrew in the allotted timeframe. no money was owed.
Product: Credit reporting or other personal consumer reports

Sent dispute letters on 3 separate occasions. The first two disputes went unanswered ( sent in XXXX and XXXX ), which prompted me to send certified mail for the third and final request for removal on XX/XX/XXXX. Here is the cert mail confirmation number : # XXXX. It was delivered on XX/XX/XXXX. 

Explanation of item being disputed : - The report shows I currently owe {$150000.00} as of XX/XX/XXXX. This debt is not derived from credit and is in violation of the FCRA - FACT ACT ( XXXX ). 

- Under Court Case - 15 U.S Code SS1681 - XXXX XXXX v Experian, XXXX, XXXX this account is in violation and therefore needs to be completely removed. 

Experian did not remove the account nor properly investigated this account. Because of this, they are reporting incorrection information which is a violation of the law. I am being deprived and robbed of opportunities because of this inaccurate information
Product: Debt collection

In XX/XX/XXXX I open a account with the credit builder company Self inc. in XX/XX/XXXX The amount of {$730.00} was supposed to be paid out to me from the credit builder company. I never received the payout and the credit builder was reporting on my credit that I still owe them a balance on the prepaid credit card. I tried multiple times to reach out to them via chet on the mobile app and was unsuccessful. My plan was to take The {$730.00} to pay off the prepaid credit card then cancel the account myself. Ultimately in XX/XX/XXXX the credit builder close the account they took {$650.00} from my payout to pay on the prepaid credit card. Instead of paying off the credit card with the {$730.00} payout. The credit builder sent {$75.00} to my checking account, which leaves me with a {$67.00} pre-pay credit card bill that is reporting negatively on my credit report. I spent the last XXXX years making on time payment to build my credit through this credit builder and at the end of terms they didnt agree to the terms and negatively affected my credit which voided out all the credit Ive built in the past two years.