23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had mobile service with XXXX XXXX and had the payment drafted automatic. I contacted them in XXXX or XXXX to try to lower my bill. I was paying XXXX. They told me that they could reduce it to XXXX and change and that it would be on the next billing cycle. Next month came it was the same amount. I paid that amount due to the account being on ach. Were told that the following month it would reduce. It didnt so they issued a partial credit and I made a one time payment for the difference. So the following month I received an email that my plan had been changed to higher amount and the auto pay cancelled. So I had had enough at this time I switched to XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX XXXX drafted a payment for XXXX. I contacted the on XX/XX/XXXX. Agent stated that it drafted an error that I would received partial refund for XXXX deposited back into bank account within 72 hours. I explained to him it should be the entire amount due to receiving the correspondent that auto pay had been canceled. After 72 hours I didnt read refund and contacted my bank for credit XXXX. As of XX/XX/XXXX I read letter fromTsi collection stating I owe XXXX to XXXX. I explained to him what I telling you. He stated that the debt is valid and he can reduce it by XXXX. Ive never missed a payment and pay my debt. Please assist. Im not getting anywhere with them
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion reported to XXXX XXXX that a credit card account ( XXXX XXXX XXXX ) was removed off my records! This created a drop of 8 points! I have never been associated with XXXX XXXX XXXX nor do I know anything about this company. I have not cancelled any credit cards!
Product: Vehicle loan or lease

I bought my car in GXXXX around XX/XX/XXXXXXXX XXXX  new from XXXX XXXX in XXXX. I moved to XXXXXXXX XXXX in XX/XX/XXXXXXXX switched over my car details to XXXX  around that time also. Moved back to XXXX and switched over my car details back to XXXX in XX/XX/XXXXXXXXXXXX XXXXXXXX  I received a letter from the XXXX Dept of Revenue saying the miles on the XXXX XXXX title were incorrect and I needed to submit certified title history paperwork. Since I now lived back in the home state of the car 's original loan origination, instead of going back in forth with the states DMV when XXXX  submitted the title to XXXX  originally, and then XXXX just submitted it back to XXXX when I moved, I decided to pay off my car loan end of XX/XX/XXXX ( wk oXXXX XXXX  ). Final balance was {$2700.00}. I received a notification that it was reported to the credit bureaus that I paid it off. Truist wiped all loan information off my online banking, so I could not even look for past statements or payments. I still have a credit card with Truist, so I still have an active online banking account profile with them. I called on XX/XX/XXXX, spoke to a XXXX about getting a notice of lean release so I could get my title, as 3 months had passed since I paid off the loan with no correspondence directly from them. She gathered the information needed, as well as validated my info and said that I would receive a notarized letter to bring to the DMV within XXXX business days. I have not received the correspondence requested to date ( ~7 weeks since request ), as well as not any other type of communication from them in regards to my ( now ) 5 month paid off car loan. XXXX is when I need to register my car and I need to ensure that this will not disrupt that process as it will affect the use of my vehicle. I need this documentation as soon as possible so I can start the process of getting my title and moving on with my life, and hopefully the relationship with Truist. The reviews online over this lien release process is appalling and scary. It sounds like I am one of many that have to deal with this. They have their money, I am not sure why my paperwork for what I now legally own is being held hostage.
Product: Credit reporting or other personal consumer reports

This is my numerous requests to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( XXXX ) on my credit report Account name XXXX XXXX XXXX XXXX  Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX BANK XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.

I contacted " THE COMPANIES " and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Experian in XX/XX/2020 of a bankruptcy showing up 3 times on my Experian credit report. I advised them that I did not have a bankruptcy. They replied back that their 3rd party supplier of information ( XXXX XXXX ) provided the information and said it was verified and true, I contacted the court directly who conducted a search with my name, and social security number, they sent me a letter stating no such accounts of cases exist under my social or name. Contacted XXXX XXXX who then sent me a letter they were unable to find any information on me having bankruptcy 's. I then sent the letter from the court and XXXX XXXX to Experian and the other 2 credit bureaus, Both XXXX XXXX and XXXX removed all 3 wrongly listed items, Experian refuses to remove stating they have received verification from XXXX XXXX, I then obtained a police report showing the information was fraudulent and not mine, Experian still refuses to remove the inaccurate information even though i have provided a police report, Letter from Court and the letter from XXXX XXXX both showing I have no such court or bankruptcy case. Experian is causing irreparable harm to my credit reputation and are in violation of the fair credit reporting act as I have a preponderance of evidence showing these aren't my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 when applying for credit to buy a home I noticed several fraudulent accounts opened in my name from who I believe be my deceased ex-boyfriend although I can not now prove it. I have made many attempts to XXXX with the credit bureaus but continue only to get uninvestigated template denial letters and 0 response from either Bureau. I have attached a copy of the FTC fraud report since the credit bureaus make it nearly impossible to submit it in a timely manner I am  requesting that the cpsb help me resolve the issue and getting those credit companies to comply with the. FCRA and rules set forth by the federal goverment.
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. XXXX  Lending Services # XXXX XXXX XXXX Bank # XXXX First XXXX Bank # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX Bank # XXXX XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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. 1681sXXXX ( A ) ( XXXX ) 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

I 'm XX/XX/XXXX I filed a dispute with XXXX, Transunion, XXXX on the behalf of XXXX, and XXXX XXXX XXXX I got a response back saying checked by creditors.None of the creditors followed the law by actually checking the accounts correctly because they say closed do to non payment and the accounts were paid in full in XX/XX/XXXX the creditors never corrected the payment information as I ask them to neither. All three creditors are damaging my credit.
Product: Mortgage

I have been trying to work w ith Fay Servicing for over a month. They have approved a modification ; however even after reviewing our financials they have set the payments higher than the loan amount. When I called to see if there was anything they could do I was told no the amount was based off the information I provided. I have called 2x a week for a moth to be told the account manager was not available and advised to leave a message. This company has no interest in helping anyone. I 've reviewed the term of the modification and they have set the loan for 20 years. Had they actually wanted to help us the term would have been set at 30-40 ye ars to make the payments affordable.
Product: Credit reporting or other personal consumer reports

please delete the following accounts and inquiries. i recieved emil from the bureaus saying there is a 3rd party? no this is wrong i'm the one who send all my letters. please make an action regarding this matter. i sending my dispute several times. please delete this time or i have no choice to sue! here 's the list of accounts ned to be delete Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Date XXXX Balance : {$0.00} Account Name : XXXX XXXX  Account Number : XXXX Date XXXX Balance : {$960.00} XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Vehicle loan or lease

My Boat loan is through Citizens Bank of XXXX XXXX and had extensive damage during hurricane Irma. My insurance company immediately issued a check for the repairs on XX/XX/XXXX for  {$22000.00} dollars. Because of the lien on the boat I sent it directly to the Citizens bank of XXXX XXXX explaining the status of the boat and how important it was for immediate repair and requested that the check be be returned to me as soon as possible. I followed up on the the status of the check a week later and was told that they could not tell me the status even though I provided the USPS tracking number. I called again numerous times and was never given the status. Finally, after 6 phone calls on XX/XX/XXXX I reached a loan officer that told me I would not know when the check would be returned until the bank chairmen 's meeting. The bank has now had the insurance companies check since XX/XX/XXXX  The supervisor could not tell me when the meeting would be and not to call the bank again .... the bank would call me. Meanwhile I have a boat in XXXX XXXX that has only temporary repairs and could be severely damaged and possibly lost with even a moderate storm.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I attempted to request my credit report from Equifax on XXXX and was advised by the system that it wasn't possible. I also attempted on this same day to get my credit scores from XXXX. 
I spent the next few days speaking to countless representatives that would transfer me and the line would disconnected. After several days, I finally reached a representative who took the time to look at my account and advised that there was an error in the system that was causing me to not have the option to obtain my credit report and credit score from XXXX. I was advised that it would take 48 hours to reflect. 
Fast forward to XX/XX/2020 and I decided to try to sign up for XXXX again and was faced with the same dilemma as before. I called XXXX to get more information and was advised that they couldn't assist me and that I'd have to contact Equifax to have them completely remove any blocks or freezes on my credit profile. 
Today, I decided to give Equifax a call and after countless misinformation and transfers I have not found any resolve. I requested to be transferred to a manager and was met with a disconnected line. 
Can you please assist me in ensuring Equifax corrects any errors, any blocks, any freezes on my credit profile that are causing me to not have the luxury of obtaining my credit report ( often times ) and credit score ( all the time )?
Product: Credit reporting, credit repair services, or other personal consumer reports

There's XXXX Bank of America credit card on my account that were paid and closed on XXXX. However Bank of America kept the credit cards open until XXXX, and XX/XX/XXXX to accumulate more fees despite the cards to my knowledge been closed on XXXX. Now the cards is showing on my credit report as both late and charge off on XXXX and XX/XX/XXXX when this information is not accurate because the account was paid and closed on XXXX and XX/XX/XXXX. 
I need the Bank of America account to report the accurate closed date on my XXXX and XXXX credit report and to show as paid and closed because they where paid and closed on XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Good afternoon, I had previously reached out about removing any negative remarks from my credit report on my missed auto payments, however, XXXX updated their remarks and changed my report negatively. Even if I was late in making payments, I still paid. XXXX updated XX/XX/year> as a " charged off. '' It shouldn't be a charge off if I paid for that month without being late. My XXXX XXXX went down -20 points due to their misjudgment on the situation. 

I am begging that they remove the " Charge Off '' and return it back to " 90 days late '' even though it was not 90 days late. 

I attached a picture from what I'm seeing on my end. 

I am just trying to build my credit and fix previous credit errors on my part. 

Contact info : XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Thank you tons. I'm hoping that any result will not affect my credit history any further.
Product: Credit card

I closed this GM card out after paying it off and I guess there was a trailing interest fee of XXXX that they for some reason never bothered to tell me about and it snowballed to over XXXX dollars with late fees somehow by the time I checked it and I called and escalated a complaint and they said they would take off all fees but did not. Very unprofessional and incompetent. Hung up on me several times. Still would not take all fees off even though they admitted it was a mistake. I want them investigated for predatory lending practices.
Product: Debt collection

All debts were paid in full as of before XXXX of XXXX still lingering on my credit report. 
This is improper use of my credit and this creditor has violated my rights. I have the right to privacy also a consumer reporting agency can not furnish an account without my written instructions. Also under 15usc1666b a creditor may not treat a payment on a credit card under a consumer credit plan as late for any purpose.
Product: Mortgage

On XX/XX/2020 I applied for a home loan with Rocket Mortgage and I was denied because of something called a " Mortgage Credit Score. '' I have never heard of such a thing and I was a Realtor for many years. And I have purchased 4 homes myself, so I'm pretty versed in the loan process. 

I would have never filled out the credit application if they had explained that my credit score ( which was good enough for an FHA Loan according to FHA.GOV ) was meaningless. 

I have painstakingly worked to improve my credit over the last 2.5 years after leaving my ex who ran my credit into the ground. I haven't attempted to run my credit at all until yesterday. I'm still working hard on my credit and I even pay to have it monitored and reported via XXXX XXXX. 

Rocket Mortgage 's application is clearly misleading the applicant. They ask for the applicant to choose a credit score range that best represents their credit score, but they never mention a " Mortgage Credit Score '' which will matter most, not their actual credit score. 

Before filling out the application, I called Rocket Mortgage to make sure they would finance tiny houses with FHA loans. The representative said yes and to apply on their site. So I did. 

I had done my homework by checking with FHA for their minimum credit score and they listed a minimum of 580, never mentioning this " Mortgage Credit Score ''. According to XXXX XXXX, I am in the 600 's. So I was immediately denied. I would not have an issue with them denying me if they had CLEARLY stated in the application that everything is not based on your regular credit score, but a " Mortgage Credit Score ''. This is VERY misleading and they don't even offer you a way to leave a review for them online so I can't alert others to be aware of this. 

This hit to my credit report will now bring my score down. Which may not be anything to them, but it's everything to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the ( FCRA ) Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, have all 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 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: Vehicle loan or lease

I purchased a XXXX XXXX XXXX  on XX/XX/XXXX from XXXX XXXX in XXXX, Va. I traded the XXXX XXXX  to XXXX XXXX in XXXX, PA for a XXXX XXXX XXXX XXXX pickup truck on XX/XX/XXXX with the agreement to payoff my XXXX XXXX loan as part of the deal. While seated in XXXX dealership they did call XXXX XXXX on XX/XX/XXXX and received a 20 day payoff amount of {$28000.00}. XXXX mailed a check to XXXX XXXX on XX/XX/XXXX to meet the 20 day payoff, and the check was processed on XX/XX/XXXX for the amount of {$280.00} not the amount of the actual check sent. 

I have called XXXX XXXX on numerous times to resolved the discrepancy and I am stonewalled and sent to the collections department. 

I went back to XXXX XXXX and talked to the manager in the accounting department XXXX at ( XXXX ) XXXX and he was told on XX/XX/XXXX the issue is being reviewed and given a case # XXXX. At this point my account # XXXX is in collections department. 

I am reaching out to your office to help resolved this issue and send the title to XXXX XXXX to complete the deal, and show my account paid-off. 

Kind regards, XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, I ordered a desk, chair, and dining set from XXXX. All of the items were shipped separately ; I received the desk and chair ; however, I didn't receive the dining room set, which was outsourced to a third-party courier for delivery. 

On XX/XX/XXXX, I filed a dispute with my bank, Navy Federal Credit Union for what I calculated as the approximate amount for the dining set because XXXX wanted me to file a false police report in exchange for a refund. I told XXXX that I wouldn't do this as I have a camera at my front door and no delivery was attempted, therefore no crime was committed. 

Upon receipt of the dispute, XXXX provided an invoice displaying a refund XXXX ( the full amount of the order ) on XX/XX/XXXX, XXXX however, I haven't received this refund and XXXX XXXX now saying that I owe them an outstanding balance, but there was never a credit to my account. 

XXXX XXXX decided this dispute in favor of XXXX and the dispute was mishandled because a member of their team can not review information thoroughly and pay attention to detail. I have requested that this dispute be investigated and even with proof, they are refusing to do so. XXXX XXXX did not protect me as a customer, and while I do not want to terminate my membership,. I feel that this issue needs to be escalated and this was the XXXX XXXX to take such action.
Product: Credit reporting or other personal consumer reports

Since the summer of XXXX, I have been unable to view my credit score through Equifax. Every time I log in or attempt to contact customer service, I am informed that I need to send verification documents, despite having already sent certified letters containing my identification, Social Security number, and utility bill multiple times. On XX/XX/year>, I received a letter from Equifax stating that they were unable to locate a credit file in their database using my identification number. Despite my repeated efforts to resolve this issue, including sending the requested documents, I continue to face problems with accessing my score. Most recently, when attempting to log in, I received an error message instructing me to call Equifax with a code : XXXX. This ongoing issue has caused significant inconvenience and frustration. I am requesting the CFPBs assistance in resolving this matter.
Product: Credit reporting

Experian claims that the XXXX account is mine after much evidence that this is a fraudulent account. They erased it once but decided to add it back due to " new '' evidence. 
I have provided documentation to prove that it was fraudulent activity even the credit company had statements with the wrong address. It even went to the point where the company tried to sue me but did not show up to the appointed court date of XXXX XXXX, 2016. The judge recommended that this would be thrown out because the prosecutor, XXXX XXXX, was absent to the hearing. 

Also Experian provided a false document to the Attorney General about the investigation that seemed generic at best. Experian even went as far as to reference a XXXX XXXX which is on page XXXX of the document Experian Attorney General ( not sure who XXXX XXXX plays in the picture ). I am assuming that the people at Experian use a cookie cutter letter that they send out to dispute and not really take the time out to examine the matter. 

If that is the case, Experian should be punished for neglience because people lives are at stake.
Product: Credit reporting or other personal consumer reports

Someone went to this store and requested financing with my information without my authorization. 
I request financing for XXXX in a named store : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The financing company is called XXXX ( XXXX XXXX XXXX XXXX ) by placing an email : XXXX Details about what happened Phone : XXXX and using these addresses : XXXX XXXX XXXX XXXX  XXXX Fl XXXX XXXX XXXX XXXX XXXX Fl XXXX And mi SS number I have never been to that store, I have never bought anything from that store and I have never used XXXX to finance anything. I have already filed a police report about it.