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

I've made 8 attempts over a 2-month period to get my Equifax Credit Report XXXX 
I've been on hold Many times, only to be told that my " issue will elevated. '' Every time I attempt to log in, I am prompted with a pop-up message telling me to call the toll-free number. 
Every time I call back, Equifax " elevates my issue ''. After my issue is elevated, I am sent an email response ( about a day later ) from XXXX, stating my " Issue has been resolved. Please log in. '' I am still UNABLE to log in and view my Credit Report! 
Every time I call customer service, I am told the exact same things over & over again : " Have you tried logging in WITHOUT using a VPN?/ Have you tried logging in through XXXX?/ Have you tried logging in through XXXX?/ Have you tried Re-Setting you password?/ Have you tried logging in through your Desktop?/ Have you tried logging in through your phone?/ Try a different Email ... '' I've hit a BRICK WALL with EQUIFAX. There is NOBODY else to speak with and NO EMAIL ADDRESS to voice my Concern/Complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent many letters, I have tried challenging the erroneus reporting, I have shown how inaccurate the reporting is across all 3 bureaus at least 5 times now and each time the bureaus use their automated system and somehow the creditor verifies it. How can it be accurate if it is not the same across all 3 bureaus?! How can I have different open and close dates, different payment statuses? I paid this account in full in XX/XX/XXXX as part of a settlement agreement. The account was never charged off or sent to collections. Every month they add a new random remark thus dropping my score even more when this was done in XXXX and there should be NO MORE reporting EVER past XX/XX/XXXX when it was paid and closed in full! This is completely against my consumer rights that no one cares that it is not reporting correctly when I point out blatantly inconsistent reporting! NO remarks/no reporting, no anything should have been reported past XXXX XXXX! Low and behold I log into my Equifax reporting and XXXX XXXX has added a new payment status : 120 days past due. Thats weird since it was been PAID SINCE XXXX! Incompetent and unacceptable! And how can they say this was charged off and sent to collections when it never was?! Which has also been one of their status updates! I did a settlement well before my account ever got to that point! Their own letter states that this will be updated as paid as agreed! So why is one bureau showing my CURRENT payment status as 120+ days past due and another bureau showing in collections/charge off if it is PAID! At this point I feel all of their reporting is malicious and I will sue if this is not 100 % correct or deleted from my reports in entirety. XXXX XXXX has bullied me enough the last 6 months with their poor reporting. As you can see by lying on their reporting as of TODAY XX/XX/XXXX and deciding to randomly go in and do a status update they stated my account is 120 days past due as the current payment status and it has yet again dropped my score XXXX points today?! Absolutely ridiculous. It needs to be corrected TODAY!
Product: Debt collection

on XX/XX/XXXX I sent a dispute letter and credit bureaus responded with the debt was verified, but last on XX/XX/XXXX I paid the debt for a deletion off of credit file.
Product: Mortgage

I have been approved for a short sale  XXXX   XXXX ,  2017 and th e documents were submitted for approval but the offer was rejected and the listing contract had expired I submitted a third party authorization and changed real estate agents and submitted a higher offer. In the meantime the SS bank negotiator was aware of the change of the agent and new buyer and the documents were not submitted to get approved and he stated this morning that we were out of time. I do not want to loose my home to foreclosure when there is a sale on the table and active file.
Product: Debt collection

Paid off my outstanding debt on XX/XX/year> and still has not been updated in either my credit report or with the XXXX XXXX XXXX, where they still show an outstanding balance. It's impacted my ability to apply for apartments - despite me having fully paid off my debt it's impacting my XXXX XXXX and also ruining my apartment applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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 or other personal consumer reports

Checking my credit report today, I was shocked to find unauthorized inquiries that I did not expect to see. After refreshing my browser to see if this was just a mistake, I realized these inquiries were still there. I am very frustrated and request that my documents are carefully examined so I can finally feel secure about my credit.
Product: Credit card or prepaid card

After countless phone calls and emails and being sent from one department to another over and over again, these people refuse to send me my refund of {$29.00}. They have told me several times that a check is on the way.
Product: Debt collection

I received a letter from Phoenix Financial Services on XX/XX/XXXX. I had the option to dispute the debt within 30 days. The letter stated " Date of Service XX/XX/XXXX you owe {$1000.00} '' On the bottom of the letter wrote " This disclosure applies to the account noted with ( * ) : " The law limits how long you can be sued on a debt. Because of the age of your debt, the creditor can not sue you for it. In many circumstances, you can renew the debt & start the time period for the filing of a lawsuit against you if you take specific action such as making a written promise to pay. You should determine the effect of any actions you take with respect to this debt '' I sent in the form disputing all of the debt in the 30 days. Phoenix sent back a letter on XX/XX/XXXX and thanked me for my inquiry and wrote : " This communication is from a debt collector '' " Enclosed billing statement provided by our client XXXX XXXX XXXX that confirms the accuracy of the information listed on the account. Should you have any questions regarding this account, contact the number below, and this closes the inquiry in our office. '' XXXX is the only CRA that shows a collection from Phoenix and now shows an account past due as of XX/XX/XXXX. On Record Until XX/XX/XXXX. 

Prior to this current letter, I had been contacted by Phoenix back on XX/XX/XXXX. My XXXX statement shows three payments, one for {$210.00}, {$240.00}, and {$5.00}, and I never received the validity or accuracy of the purported debt. I hope the CFPB can make sense of this so I can find the solution.
Product: Payday loan, title loan, personal loan, or advance loan

Good Morning, I cancelled the extra insurance policies on my loan recently. At the time of signing my loan, I was told I had to have this insurance. I know that I am way out of range for a refund but I feel they are still being deceptive. 
Also, you dont get that money back. Your only option is to have it applied to your loan.
Product: Debt collection

I received a notice dated XX/XX/21 on XX/XX/21 From Transworld Systems Inc, XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX. 
This notice was to inform me that they were collecting a debt for XXXX XXXX in the amount of {$41.00}. The notice stated that if I did not dispute this in writing within 30 days of the notice they would assume this debt is valid. 
I have received no notice from XXXX that I had an outstanding balances. I get bloodwork done quarterly with them and my insurance covers everything at virtually XXXX cost to me. 
So this struck me as odd. I checked my XXXX patient portal and it does not show that I have any outstanding bills. So I called XXXX XXXX  Billing Customer Support and asked them if I had any outstanding balances or if anything was sent to collections? I was told they had not and that everything was up to date in their records. 
This is an obvious attempt at fraud and needs to be reported and communicated to the public as most people would probably just pay the small amount listed in the Collection letter. 
I have responded to them by mail ( as per Transworld Systems Request in their letter ) with a Cease and Desist notice regarding this fraudulent attempt at collecting money from me. If they continue to attempt collecting this debt I will update this complain.

I would suggest launching an investigation into their collection practices as I have seen numerous complaints about them online.
Product: Credit card

I agreed on a settlement amount to settle a credit card debt and paid it in full. Capital One has not reported it as Settled in Full ( SIF ) and instead left the remaining balance showing I still have bad debt. I have requested a paid in full or SIF letter from them multiple times and also sent them proof I paid the payments as requested along with a copy of the settlement agreement letter and they refuse to respond. This needs to show settled in full on my credit report instead of showing I owe an open balance still. And they also need to verify the account number on all reports is accurate because it is NOT showing correctly on all XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have been trying to get inquiries removed for a while now that i never made a few times now. The last time i went to cfpb they sent me a file when closing saying not enough proof so this time i took pictures of the inquiry 's in question. I am being hit with a bunch of them that I never made. All of the following needs to come off my credit report XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX XXXX  XXXX XXXX Inquiry  from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX  XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize nor consent to any of the following accounts or inquiries being on my credit report. I am aware of my consumer laws as you are able to see based on the documents attached. I demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or block from my credit report. I will pursue damages for each account that is in violation if not updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

Navient Student loans is a company that does not even try to help studentsehuch have been paying them thousands of dollars over a decade. U tried very hard to deal with them to reduce the interest of my loans but every time they say no we cannt help. There is no program whatsoever to help students that always have been paying their bills. Thousands of dollars over years. Every payment that I make goes towards the interest only. Only couple of dollars per couple months goes towards the principal. Abviously if I could make large payments to pay off I would. I have been dealing with a lot of health issues and the only thing they say is put on auto pay and you should be ok. 
Navient just takes and takes and takes from poor students and does not try to work with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letters to Transunion complaining of credit inquires I did not authorize, transunion did absolutely nothing. They have had many credit breaches in there system and refused to remove the inquires. Then on XX/XX/2019 I complained about my score being reported wrong from XXXX  and 2 days later they dropped my score 15points. My scores on XXXX  and XXXX went up over 30 points. Please look into this matter.
Product: Credit card or prepaid card

I was called by the credit card issuer ( Citi Bank ) for payment of late fees and interest yet was never provided with a statement of charges and amount due. I requested this three times from the issuer over a period of two weeks without receipt of a mailed statement. Meanwhile, US mail was received daily at the address on file with the credit card issuer. 

I also attempted to log in to my account online to review statements and was not able to login due to continuous technical issues on the company 's website. After hours of time over numerous phone calls with the company 's phone support staff no one was able to resolve providing access to view my account and statements online. 

I was promised by phone staff that I would receive statements in the mail by certain dates which have been passed and no statements have yet to be received. 

It is unfair for me to charged interest and late fees as well as negative credit ratings by Citi for statements that they have never been able to provide via the internet or US Mail or any other means that I have requested, including via electronic mail.
Product: Money transfer, virtual currency, or money service

The website and question is called mercari, I sold some personal items on there site and once the customer received the items, they refused to pay siting that I was and eligible to withdraw funds due to some technicality that was buried so deep in their paperwork no one would ever see it. I don't even know what it was they wouldn't tell me. But they kept almost {$400.00} a money. I've reached out a customer service multiple times but the only response I get back from them it is " you violated the terms '' they refuse to pay me the money I'm owed or return the product that I sold. They have made money off of my personal items and scammed me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is showing an account on my credit report that isnt mine. 

Account is called XXXX I have filed an FTC report and sent several certified mail disputes as well.
Product: Credit card or prepaid card

Statements that I am opening other cards are being sent to XXXX. I have closed this account nearly 5 years ago and have never opened another account. This conduct is harming my credit reporrt and XXXX Score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to charge me for services I 've already cancelled more than once. I 've tried calling but due to extended wait times I can no longer get through to talk to anyone
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the following accounts have violated my rights XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX  account # XXXX Unknown account # XXXX ( shows twice on XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA 15U.S.C 1681 Section 602 A States that I have the right to privacy.

15U>S>C 1681 Section 604 A Section 2 States that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX  Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX  : Account Number : XXXX Account Name : XXXXXXXX XXXX  : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX  Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I am current on my mortgage with Valley National Bank. I received two mortgage statements dated XX/XX/year>. One of the statements stated I was XXXX  days delinquent and owed {$13000.00}. It said I was subject to fees and foreclosure. I am an XXXX XXXX XXXX XXXX This terrified me that I might lose my home and my payments had been going to the wrong place. My son called the bank and there was a recorded message that some statements were sent in error and should be ignored. However, I have not received a letter from the bank that this was an error. I have not been able to talk to a person since wait times on the phone are in excess of 30 minutes. The other statement I received was correct and indicated only the regular payment of {$790.00} was due.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$46000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These unverified must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these unverified, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following items to be updated or repaired as soon as possible. 
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

On XX/XX/XXXX, I sent a method of verification dispute Experian for the following accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  It's been over 45 days since I sent dispute and Experian have not answer as they are required by the FCRA.
Product: Checking or savings account

Citibank in violation of my individual ( rights ) due process in banking and incorrect banking practices, unprofessional, and rude/discourteous client services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called the county court clerk office in New Jersey, the XXXX stated they does not share personal information with no institution or credit, reporting agencies or LEXIS-NEXIS.they are reporting incorrect information about me I have not received any information about me from lEXIS-NEXIS. Nor did I give them the right to furnish incorrect information about me..
Product: Mortgage

Ten years ago I paid off a home equity line of credit with Bank of America. On XXXX XXXX, XXXX rec 'd a letter from them stating the loan was paid in full and satisfied and that there was no lien against the property so I was good to go. HOWEVER, I am currently scheduled to close on the sale of my house next Wednesday, XXXX and the title search in preparation for closing shows a LIEN on the property for the same line of credit referenced above. I have been calling Bank of America for over a week. Spent and documented at least 450 mins. Evidently it has been escalated somewhere but no one will tell me when/if I can get this satisfaction of payment recorded with the XXXX County Clerk which I NEED BY NEXT WEDNESDAY FOR MY CLOSING. Bank of America has the absolute worst customer service and automated telephone system Everyone pointing to everyone else. I have been hung up on, left on hold and been horribly treated when this is a blatant mistake on their part. 
I
Product: Mortgage

Ive been trying to pay my mortgage, but the bank will not accept payment First of all, Shellpoint is the 3rd bank working with my mortgage. 

Second and most important thing : We were notified from XXXX XXXX about the transfer to SHELLPOINT on XX/XX/XXXX. 

How could I send my payments to SHELLPOINT if I was not aware about the change before XX/XX/XXXX? 

See the timeline for my payments below : XX/XX/XXXX : Check was sent to XXXX XXXX XXXX ( deposited and I have the receipt ) XX/XX/XXXX : Check was sent to XXXX XXXX ( deposited and I have the receipt ) XX/XX/XXXX : Check was sent to XXXX XXXX  ( lost in the mail ) XX/XX/XXXX : Check was sent to XXXX XXXX ( deposited and I have the receipt ) XX/XX/XXXX : Check was sent to XXXX XXXX ( RETURNED and I have the receipt with letter stating that account number can not be found ) XX/XX/XXXX : Before sending another check to XXXX XXXX, I sent them an e-mail, asking about the reason for the returned check XX/XX/XXXX : First time that I heard about the transfer from XXXX XXXX to SHELLPOINT STILL ON XX/XX/XXXX : I got the access to my online account with SHELLPOINT for the first time and tried to make an online payment, but unsuccessfully. 

STILL ON XXXX : I sent 3 months payments ( 3 different checks ) to SHELLPOINT MORTGAGE, they have received it but the checks were not deposited.. 

XX/XX/XXXX : Somebody locked the doors in my house and I couldnt get in. 

XX/XX/XXXX : I called Shellpoint telling them the whole situation and they are not letting me to make a payment. 

XX/XX/XXXX : I called Shellpoint to try and get a resolution and they confirmed that my house is going to forclosure and I will be liable for all the attorney fees. At this point they WILL NOT accept my payments and they have not cashed the checks I sent in XXXX to bring the account current. 

The property related to this mortgage ( XXXXXXXX XXXX XXXX XXXX  ) is in a Vacation Community and there is NO MAIL BOX services.
Product: Debt collection

B of A is stonewalling on sending release of lien on my property following final payoff. I want details on who they contacted and to have someone assigned to expedite return of bank lien release document. I may go to the media if necessary. Thirty day period has elapsed.