23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I got the credit card about 4 months ago give or take at the beginning everything was ok, about I say XXXX of paying my bills every month went XXXX.I would pay my bill when I suppose to and every month after I would get a statement saying it didnt go through.upon checking my account and bank it was showing me and told me payment was taken out XXXX weeks later.Speaking to different associates at different times I was getting different answers? XXXX Speaking to a manager named XXXX, he clarified that payment had not been taken out until around XXXX of the month. I ask why, he stated that because I have had insufficient funds, only reason that would be because they take out funds not until XXXX, weeks later.Im so confused and frustrated about this matter I need someone to help me figure this out.please contact me ASAP XXXX thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex-wife stole my identity and social security number to purchase a car. She did it as a co-owner without my knowledge. She wrote false information on the loan documents. She purchased a XXXX XXXX XXXX from XXXX of XXXX on XX/XX/XXXX. I was unaware until XXXX of XXXX when I was looking at my credit report and noticed it. Once I noticed it, I asked her to return the vehicle and get it paid off. I reported it to the police but they told me that they were unable to take it on as it is a civil case. I reported it to XXXX XXXX XXXX, however, they denied my claim. The total amount stolen was {$29000.00}. She stopped making payments and I felt frustrated and like I had no recourse and my credit was taking a hit so I made a few payments. I have made a fraud report with Experian and XXXX XXXX XXXX. I had a court date where she did not show up. so the judge didnt do anything because he didn't hear from her.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit record, I have identified several closed accounts that should not be included. This complaint serves to bring 3 credit bureaus ' attention to the violation of consumer protection laws and request the immediate removal of fraudulent accounts from my credit report. 
XXXX. XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$360.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent certified mail XXXX XXXX XXXX XXXX XXXX that was also notarized requesting that Experian remove any credit freezes and fraud alerts from my credit file. Experian failed to respond. In turn, I sent a second certified letter XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I also placed a call to their fraud department at XXXX today and was advised they received my correspondence but require my driver 's license and a copy of my social security card in order to remove the alert and freeze. When asked if they have a current copy of my driver 's license and social security card on file, the agent replied " no ''.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Complaint : Experian 's Continued Violations and Negligence Dear XXXX XXXX XXXX I am writing to escalate my ongoing complaint against Experian Credit Bureau due to their persistent negligence and violations of credit laws. Despite multiple attempts to resolve the issue of fraudulent items on my credit report, Experian has failed to respond and take corrective action. 

On XX/XX/year>, I sent a notice via priority mail, which was confirmed to be delivered to Experian with tracking number XXXX. Despite this communication, Experian has not acknowledged receipt of the notice or taken any steps to remove the fraudulent items from my credit report. This lack of response and inaction is unacceptable given the serious nature of the inaccuracies on my report. 

I have been tirelessly engaged in this dispute with Experian for a total of 90 days, during which they have continuously failed to cooperate and rectify the situation as required by law. Their blatant disregard for the Fair Credit Reporting Act ( FCRA ) and 15 US CODE 1681N, which allows for legal action against credit reporting agencies that fail to correct inaccuracies, is deeply concerning. 

In accordance with the law and my rights as a consumer, I am prepared to take legal action against Experian for their continued violation of credit laws. I demand the immediate removal of the fraudulent items from my credit report and the necessary corrections to restore the accuracy of my credit history. Failure to comply will result in legal action seeking damages of $ XXXX for each inaccurate and fraudulent item reported by Experian. 

In addition to failing to address the inaccuracies on my credit report and disregarding the notice sent via priority mail, Experian 's practice of removing and re-adding items exacerbates the already troubling situation. This erratic behavior not only violates the Fair Credit Reporting Act ( FCRA ) but also undermines the accuracy and integrity of my credit history. 

Experian 's repeated violations of the FCRA, particularly Sections 611 and 623, are clear in their failure to maintain accurate credit report information and their inconsistent reporting practices. By continuously removing and re-adding fraudulent items without proper verification, Experian is not only disregarding my rights as a consumer but also perpetuating the harm caused by the inaccuracies on my credit report. 

The persistent delays, stress, and financial implications caused by Experian 's negligence have reached a breaking point. I urge the XXXX XXXX XXXX to intervene promptly and ensure that Experian upholds their obligations under the law. 

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

XXXX XXXX XXXX claim I opened a credit card account in XXXX. I do not recall open an account. Six months later XXXX XXXX XXXX sold the alleged account to XXXX XXXX XXXX. XXXX XXXX XXXX. has never made any contact or taken any action against me to date. XXXX XXXX Bank was sent a dispute letter in XXXX and never responded, so the account was removed from all three credit reports. XXXX XXXX XXXX. was sent a dispute letter in XXXX to which they never responded too. They continue to report to the credit reporting agencies. I am disputing the validity of this account and the actions of XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinance my mortgage in XXXX of this year I was told I didnt have to make a payment to the new mortgage until XX/XX/XXXX the mortgage company sent the payoff check to my mortgage company and it was short they sent a check back but three weeks went by I found that out made a payment for XXXX to try to save my credit report the mortgage company since sent the correct payment with the XXXXirst mortgage company report and me being late 30 days to no fault of mine Im trying to fix it with them but they giving me a hard time Ive even sent letters from the mortgage company saying it was their fault what am I supposed to do
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX : {$0.00}, XXXX XXXXXXXX Balance : {$630.00}, XXXX XXXX XXXX Balance : {$2400.00}, XXXX XXXX XXXX : {$4300.00} & XXXX XXXX XXXX/XXXX/2023
Product: Credit reporting or other personal consumer reports

I was paying on time for two years and then I lost my job and so did my husband. I fell behind in XXXX and XXXX of XXXX and they gave me an extension for two month but the next due date, they placed on the extension notice was XXXX XXXX but the extension was dated for XXXX XXXX and my new payoff date was XX/XX/XXXX XXXX they are always stating Im 77 to 88 days past due on my payments. then when I question it they tell me 33 days or 44 days late. as my payments from the day I bought the car was being applied to both principal and interest. Then everything started only going to interest only, maybe XXXX to XXXX dollars to principal. How is anyone able to truly pay off the vehicle from them. when I bought the vehicle from XXXX, I applied for financing through XXXX and all my Documentation is from XXXX only. Therefore, next I was notified that Bridgecrest had my car payments and If i knew it was Bridgecrest handling my loan I wouldve told them to come and get the car asap. I have copies of conversations between me and Bridgecrest and how they talked to their customers is bad. When you prove your point to them they tell you thats not what they have, then you ask well my information is from the portal of my account and youre telling me its wrong. Just like today I received a phone call telling me im 88 days late again when i just talked to them on Friday of last week.
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX XXXX ( cardmember services ) took {$93.00} from my account. This was arranged. On XX/XX/XXXX another {$93.00} was taken. I called to have the additional payment reversed and was told to wait until it posted. The company reversed both payments ( should only have reversed one ), plus a {$25.00} fee for each. Now a {$93.00} ( which should not have incurred a late fee ) has swelled to {$230.00} ( plus additional interest on the inflated amounts ) Noticing my account on XX/XX/XXXX, I again called to resolve this matter and was assured it would appear corrected on my new statement. XX/XX/XXXX, more interest fees for XX/XX/XXXX payment without correction. The company is reporting delinquent/late on this account to the 3 reporting agencies which is seriously impacting my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

loans forgiven, yet there still showing as reported XXXX ... TRANSUNION will not remove, keeps ne at lower score and negative
Product: Credit reporting or other personal consumer reports

I have been dealing with the same issue with XXXX since XXXX / XXXX when I enrolled in their financial program. I've made a payment being told it would be for XXXX and then the payment went thru XXXX. Thru multiple calls, that takes hours, I was given conflicting information and was always left with them saying they would " investigate '', took months to come to the conclusion that it was on me to fix the issue cause their system had no ways to make adjustment. So in XXXX they I've made XXXX payments. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for {$65.00} each. That was to cover the XXXX payment ( they refunded the one I made in XXXX that was to go to XXXX and didnt ), the XXXX payment and the XXXX payment. That was supposed to put my account on track according to their directions. Yet, month after month they continue to report me as having a missed payment. Every time my credit refreshes, the missed payment moves to the last month... it's been 3 months that my account shows missed payment 30-59 days. No matter how many times I call and ask them, what do they want me to do to fix this?! They offer no solution other than say they will open an investigation, I never head back. and month after month, this continues to impact my credit negatively while I am making my payments as agreed. I have exhausted all the possibilities with them, I have spent countless hours on the phone. This has to come to an end. They must offer a resolution for this once and for all. This negative remark has to be fixed and the missing payment reports has to stop.
Product: Debt collection

I received a debt collection letter from TRS Recovery Services at an address where I am building a home. This is not my current address and the bill is not mine. The notice is for an Unpaid Electronic Fund Transfer from XXXX XXXX XXXX and the creditor is XXXX. The amount is {$11.00} plus a returned check fee of {$25.00} for a total of {$36.00}. The reference number is XXXX. 
When I contacted TRS, they would not discuss the account or how I was referred to them. They simply sent me to their website to submit a dispute. The person I was talking to only had two months on the job and did not know much. I asked to speak to a supervisor and he said the supervisor told me to go to the website. He then gave me a number for XXXX. I called XXXX and spoke to XXXX, ID # XXXX. He was completely unhelpful and told me to call XXXX. This is very circular and nobody is willing to provide information on the false debt claim. The person I spoke with at TRS was XXXX XXXX. They are obviously trying to collect on an amount owed by someone else. TRS asked if I can be reached by the number on file and it is a number from New York. I live in XXXX. I need them to remove this from my record and not have this associated with me in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVEXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have  XXXX  items on my credit profile that is inaccurate and I have disputed this 7 times and each time the credit bureau says that they have validated and verified that the items are accurate but I know that they are not because  XXXX  of the items is the same creditor with different amounts due and they just updated my credit profile on  XXXX / XXXX / XXXX  adding an additional {$7800.00} owed when this account is over  7 years old. The  last dispute was done  XXXX   XXXX  . (   XXXX  & Transunion ) are the credit bureaus that  is still reporting this item *Twice* The other item that I had disputed was in litigation and should have been resolved due to an consumer complaint I had filed against the company and to no avail has this been verified or validated, just another case of the credit bureau saying that it is valid without further investigation. The amount is inaccurate because this item should have been removed due to the litigation. I have been disputing this item since  XXXX  and the last dispute was done  XXXX   XXXX   (  XXXX  &   XXXX    ) are the credit bureaus that is still reporting this item.     The final item is another case through the    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    and a vehicle that was sold to me was sold as a vehicle that had passed emissions and to later find out that the vehicle could have caused a fire and put my life in jeopardy, which I filed another consumer complaint with the   XXXX   XXXX   XXXX   XXXX   XXXX    and  their emissions department. I had  an independent Arizona State  official emissions officer inspect the vehicle and had not seen any  prior emissions records that was done prior to selling me the vehicle which I have submitted documents to   XXXX   who is reporting this item to verify and to no avail I was unsuccessful in the validation/verification of any findings. I have been disputing this item since  XXXX  and each time I try to resend the information for verification their response is that the item is valid. The last dispute was done  XXXX   XXXX . The down payment was refunded  XXXX   XXXX  in the amount of {$1000.00} after disputing the problems with the government agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kohls is reporting my account as charged off, but they still report a balance. Calls to them to correct it are ineffective. 

Additionally, I offered to settle the account and they refuse to negotiate a partial settlement. They also told me that if I settled for the full amount, they would not change what they are reporting and there is no reason to settle with them since my date of last payment was XXXX of 2016. 

They do not report the correct date of last payment which is also a problem.
Product: Debt collection

I have repeatedly requested more information on what specifically the debt is, who the original collector is, and why they think it's mine to pay. At every step I have been brushed off and still have literally no information on what this debt is all about or why they think the debt is mine. 

I've been called and emailed relentlessly by employees unwilling to discuss any details with me and in a way that comes across so much like a scam that I had to do a good deal of research just to confirm this is a real debt collection company.
Product: Debt collection

On XXXX XX/XX/year>, I received an email collection notice from Columbia Debt Recovery LLC, dba Genesis ( the collections agency ) for the amount of {$1000.00} on behalf of XXXX at XXXX. On XXXX XX/XX/year>, I send the collections agency a Debt Verification letter via email and received an automatic notice that my correspondence was received ( see attached documentation ). 

The collections agency did not respond to my Debt Verification request either electronically or via mail. 

The collections agency reported this collection on my XXXX credit report on XXXX XXXX, 2023 prior to sending me the initial notice ( attached ) and despite being unable to verify the debt. They did not speak with me on the phone or in person about the debt, nor did they wait a " reasonable '' amount of time for me to respond to the collection notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I ask for a credit report form XXXX  and XXXX  company to see how my credit score was to apply for a student loan ; and I see a discrepancy with 2 of my student loans with XXXX   department. It show that I had a 90 days late payment history for XX/XX/2019 period. That was impossible because those accounts were on deferred period by that time. Since the deferment was ending I ask for a new one and It was approved by XXXX. I submit all the evidence needed to XXXX  and they fixed ; however XXXX did not the same. I submit a complaint again with the credit bureau explaining the above including evidence ; and at the end they fixed the error ; so I could get my student loan. When I get the updated credit report on XX/XX/2019 they fixed the error with the help of the complain I filled that time through the credit bureau. 

However, in my last update of credit score with XXXX XXXX, where they use XXXX  credit report it showing the same mistake after they had fixed last year. So I'm filling a complaint one more time to see if the credit bureau can fix that error for once. Because the discrepancy is there even when the last credit report doesn't show it. Even XXXX  show that all my history payment is good. 

Hope you can solve it because my credit its been affected by that error.
Product: Mortgage

I was told over a month ago that my appraisal was going to be arriving on XX/XX/XXXX. The morning of XX/XX/XXXX, I texted the mortgage company contact, XXXX XXXX at Prime Lending, XXXX, WV. She said, it will be in by end of week, I sent long email response and said I was told XX/XX/XXXX, I think six weeks is long enough on an appraisal. I said I will start filling out online reviews of your company about process. Filled XXXX online consumer reviews of company that night. I received email next day about complaint from compliance manager XXXX, TX, XXXX XXXX. She later called me and said, " Our appraisal team is on it and appraisal will be uploaded first thing in morning. Email message at XXXX, no appraisal yet. She replied, " no they are third parties and they are out of our control. '' Yet I had to have paperwork in by end of the day Friday, yet I sent it Thursday morning. My problem lies with first of all I thought 6 weeks was little long but they claimed factors are involved busy time of year, then I get end of week, then I get tomorrow morning and now it is weekend, who really knows. They have n't told the same story and I feel like I am being pulled along. I paid {$650.00} for appraisal when I was sent email link to pay for it. The lies must stop and produce what is expected. CONTACT Information- XXXX XXXX XXXX direct line XXXX, XXXX XXXX XXXX , XXXX , WV XXXX, XXXXXXXXXXXX, loan officer support/ renovation liaison ; XXXX XXXX , XXXX XXXX XXXX , XXXX, WV XXXX XXXXXXXXXXXX, office- XXXX, cell XXXX ; XXXX XXXX- compliance manager , XXXXXXXXXXXX email, direct line - XXXX, XXXX XXXX XXXX # XXXX, XXXX , Texas XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights.

NEGATIVE ACCOUNTS : XXXX XXXXXXXX 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 an account without my written instructions.
Product: Debt collection

I am filing a complaint regarding an inaccurate collection account that has been reported on my credit file by COLUMBIA DEBT RECOVERY LLC DBA GENESIS Upon investigating this company, I discovered that they are not registered with the XXXX XXXX XXXX XXXX XXXX XXXX and may not be legally authorized to collect debt or report accounts to the credit bureaus.

The collection agency is reporting a debt that I never authorized to be sold or transferred, and I have reason to believe they do not have the proper documentation or legal standing to collect or report this debt. Their failure to provide publicly verifiable registration raises concerns about the legitimacy of this account. 
Additionally : The agencys lack of XXXX registration and publicly available business credentials suggest potential violations of federal and state consumer protection laws. 
The Fair Credit Reporting Act ( FCRA ) requires that all reported debts be accurate and verifiable, yet this agency has failed to provide any proof of their authority to collect or report this debt. 
The credit bureaus are allowing an unverified and possibly unauthorized company to damage my credit profile.
Product: Debt collection

I received a letter from Penn Credit Corporation, trying to collect a debt from XXXX XXXX in Texas, where my social security number appears. The debt does not belong to me, because another name appears that is not mine, and on the other hand I do not live in the state of Texas. The company was called and they indicate that the service was used for 16 days. The company XXXX XXXX is charging the amount of {$96.00}.