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

There are 7 inquires on my credit report that I did not authorize. Also these inquiries should have dropped of the report XX/XX/2022. Even though they are wrong they are still passed the reporting date. THEY ALL MUST BE REMOVED>
Product: Debt collection

On my XXXX report there is an collection on my account for the amount of {$620.00} to CCS Collections. I have no knowledge of this account nor have I any business. Debt collectors are required to have accurate info, and after numerous attempts to resolve this issue, I have yet to seen documents where I opened a contract with CCS Collections. I have done numerous disputes with XXXX and have not gotten any satisfaction. This is illegal for a debt collector to buy someone's debt without written consent and tries to collect on a debt.
Product: Credit reporting or other personal consumer reports

Credit Reporting Agency has been furnishing accounts on my consumer report that I have no knowledge of. This is in violation of the FCRA laws. There are also hard inquiries for accounts that I did not apply for.
Product: Credit reporting

After having recently been denied credit based on a report from TransUnion, I requested a copy of my credit report, found several inaccuracies, submitted a request for the credit report to be corrected, and subsequently received an e-mail notification that " Your Investigation is Complete '' with partial results. 

The top of that results page read, " If you are not satisfied with the resolution or the updated report ... then you may print and complete a Request for Investigation form and return it by mail. '' The underlined text linked to the URL XXXX, which says at the top of the page ( apparently incorrectly ) that consumer options include " Initiate an investigation at XXXX '' even though that is not actually an option. Visiting that URL and authenticating my information I was just brought back to the results page from the previous investigation, without any opportunity to report or request correction of new errors introduced into the report as a result of that investigation, or questions that went unaddressed. This is also true of the URL linked to at the bottom of the updated credit report, dispute.transunion.com. 

Further, the bottom of the page with the results of the investigation stated in small type " Should you wish to contact TransUnion, you XXXX do so, By Mail : TransUnion Consumer Relations, XXXX, XXXX, PA XXXX ; By Phone : ( XXXX ) XXXX. '' This ZIP code differs from the ZIP code for what is otherwise the same address, printed on the Investigation Request PDF ( URL given above ; XXXX ). 

When calling the phone number during listed hours, I was told it was the wrong number to call and I had to instead call XXXX to reach the Fraud Victim Assistance Department and re-authenticate with all my personal information again, without any capability of transfer or ability to ask questions of the rep. who answered at the published phone number, and without any automated system being able to recognize from the file number I 'd entered where to properly direct the call. In my last call, there was a full minute of silence on the other end of the line after entering in my file number as requested, suggesting the call had been disconnected. This is another step effectively discouraging inquiries. 

The above paragraphs describe ways in which TransUnion makes it considerably harder than necessary for consumers to correct misinformation that they are reporting about their credit history, and further decreases confidence in their competence for accurate reporting or sensible policies. 

Please set or enforce regulations that allow customers to request the correction of incorrect information included in credit bureau 's reports about them without unnecessary difficulties added into the process.
Product: Debt collection

today, XX/XX/year> at XXXX AM I got a call from " XXXX XXXX '' at " XXXX '' I answered and the XXXX proceeded with their intro. 
I attempted to inform XXXX that I am not working at the moment but was cut off by him insisting that he could " help me '' I allowed them to XXXX to finish, was then able inform XXXX that I am currently unemployed, facing eviction, and unsure when I'll even have money to eat to which XXXX replied " You don't have any money but you can pay your cell phone bill '' and began hurling insults I believe in an attempt to shame me into paying. 
Including telling me that I am playing a game of XXXX and threatening that he would label my account down as a " refusal to pay '' and I'll have to deal with that even though I never refused. 
When I asked why I was being attacked that way XXXX scoffed and trivialized what they had just done. 
When I began to ask for his full name, he started to over talk and eventually hung up the phone on me. 
I called the XXXX number back, XXXX answered and I was able to get his full name ( XXXX XXXX ) job title ( Operator ) extension ( XXXX ) as well as his supervisor XXXX XXXX XXXX ext. XXXX ) I have been unemployed since XX/XX/year> and still have not been able to secure employment, I was in the middle of filling job applications when XXXX XXXX called and eventually XXXX his negativity onto me. 
Not everyone in the United States is hiding from debt collection and those of us who are not in positions to shell out money when they call should not be made to feel as terrible as I do right now after my experience with XXXX XXXX this morning.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to access my consumer report via annualcreditreport.com from all 3 consumer reporting agencies but encountered some issues. I have rights to the disclosure to me my CONSUMER FILE pursuant to 15 U.S. Code 1681g ( a ) ( 1 ). I want a copy of my CONSUMER FILE from TRANSUNION, XXXX, & XXXX. Proper identification is provided. I DEMAND A RESPONSE WITHIN THE NEXT 15 DAYS UPON RECEIPT OF THIS COMPLAINT.
Product: Mortgage

Freedom Mortgage purchased my loan from XXXX XXXX in XXXX 2015. I made the first payment to Freedom on XXXX XXXX, 2015. Freedom is now saying I did not make the payment but I have a receipt indicating they cashed the check and have the money. I have talked with them every month since and they tell me they will research the issue and call me back - they never do but have sent collection notices, foreclosure paperwork, and have tried to assess late fees. It is now up to me to produce a copy of the deposited check for them to review. They have been anything but helpful unless it involves them sending me late notices and collection notices.
Product: Debt collection

A collection has been reported on my credit report by XXXX. Despite my repeat dispute, they did not verify the address was not mine. As far as I know, I have never lived at the address or used the phone number listed in that account.
Product: Credit reporting or other personal consumer reports

I am an ID theft victim. A store card for XXXX XXXX was opened in my name without my knowledge or authorization. I did not open, use or benefit from the account. The account was opened using my mothers address which I have not lived in several years ( XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, DE XXXX ) which is the only reason I had knowledge of the account. I received collection calls when the account defaulted and I advised the agents that the account was fraudulently opened. They did nothing. I have disputed the account with XXXX XXXX  and their debt buyer Jefferson Capital several times and the information continues to report on my bureau. I want this item removed from my bureau.
Product: Student loan

I have been repaying more each month than is due. However, Navient still attaches late charges to the month that I paid after my due date. Even though my account was paid in advance. They also make impossible to speak to a representative who is within the United States who I can understand. I emailed them and they do not respond.
Product: Money transfer, virtual currency, or money service

I contacted cash app about money thats wasnt sent by me to other people I have over 50 on my account like it were thay had me logged in to over 14 devices that wasnt promited by me and because I desputing the transactions they closed my account out Ive been on phone with them about it and thay told me thay closed it because I didnt varify I was the account holder but yet when I got the email about it I called and varafied my account now a week later thay closed out my account said I was in violation of there terms and conditions because i desputing over 50 transactions I didnt make were I wasnt getting text or emails of were my money was going I wont to sue them for the money they let leve my account that I didnt authorize however before I do Im submitting this complaint to see were it goes from here if I dont hear back from yall with in 14 days as whell as them Im getting a lawyer to have them bared form there app being used in USA I have this rite as whell as the rite to desput were my money went from any institution if I didnt approve it
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my reinvestigation results back from Equifax. They said everything was 100 % complete and accurate. I would like to receive the description of reinvestigation according to 15 USC 1681 i ( 7 ). 

Because the list of accounts below is not accurate. The date open, date of last active/activity, and date of last payment are NOT 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They did not modify the file to report correct data or delete the inaccurate information on my consumer report according to 15 USC 1681 i ( 5 ) ( A ) ( i ). 

I attach a consumer report as evidence.
Product: Credit reporting or other personal consumer reports

I am refiling this complaint another time to CAPITAL ONE for allowing the fraudulent account and for not correcting this on my credit report. I filed an FTC report for this another complaint, with the identity theft report number XXXX. As I checked my credit report this fraudulent account is still reflected on my credit report. I was expecting that I they will correct this erroneous account and to provide accurate credit reports. 

This account had multiple inaccurate information on my credit report the payment history, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have again attached the FTC report together with my drivers license and proof of address, should this be deleted in my credit report.
Product: Student loan

I called Navient last year around approximately XXXX  XXXX XXXX to consider me for income based repayment. They told me to let my cosigner pay my bills. I talked to the collection department at XXXX. Then I called last week on XXXX/XXXX/XXXX to request copies of my promissory note because I was concerned about the recent interest rates hikes coinciding at the same time I am over paying to bring down the debt. I told Navient it is very suspicious that in the past my payments did not increase but when I start paying more, my payments increased. They told me it was due to " libor rate '' I asked why the libor rate was not used in the past but only when I start making extra payments. They said they will send me information on libor rate in the mail and so am still waiting for a copy of my promissory note. In less than 6 months my interest rate increased. In XXXX XXXX, the rate was 9.375 %. Then in XXXX XXXX it was 9.62 %, Then in XXXX XXXX it was increased to 9.75 %, Then in XXXX XXXX it increased to 9.85 %, then in XXXX XXXX increased to 10 %. It is intersting to note that this libor rate coincides with me trying to pay more than my minimum payment to bring down my debt. The rate at which this libor rate according to Navient is going, I personally do not see how I can pay down this debt. The more I pay, the more Interest rates hike by Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

https : //www.portfoliorecovery.com/ keeps calling me. I get the same caller id from PORTFOLIORECOV with different numbers every time. They robo call me about a few times a week and instantly hang up and sometimes transfers me to an agent where I tell them they have the wrong number. They will not stop calling and they keep rotating their numbers so I can not block them effectively. I have not debts with them or anyone.
Product: Credit card or prepaid card

I applied for a XXXX credit card for BP gXXXX XXXX for my business, XXXX XXXX XXXX in XX/XX/2021. I received conditional approved status. I could pay a partial deposit of various amounts or I could personally guarantee the account. I chose to pay the partial deposit in the amount of {$200.00} on XX/XX/2021. After a few months I never heard anything back so I begin to contact the representative that helped me. I could not get in contact with her via email nor call. I emailed and calld over five times. So, in roughly XX/XX/2021 I contacted the general number and made a complaint and notified them I wanted my money back since I never received a card. The lady I spoke to said the representative I had been speaking with would get back in contact with me. I never received any communication back.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I sentXX/XX/XXXXCredit Information services, XX/XX/XXXXXXXX and Experian a letter regarding the bankruptcy being reported on my credit report, this letter informed them of inaccurate reporting and challenged the validity of the report. On XX/XX/XXXXI received a response that XXXX XXXX had provided verification this information was correct. Prior to me sending a letter to XX/XX/XXXX, XX/XX/XXXX and Experian, I froze my account with XXXX XXXX and have a letter verifying this was done, so there would not have been a way forXX/XX/XXXX, XX/XX/XXXX or Experian to 'verify ' this information. Due to seeking out information and reporting public record as they are not supposed to do, my resolution is to have the bankruptcy removed from myXX/XX/XXXX,XX/XX/XXXX and Experian credit file permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today due to my complaints # XXXX, XXXX, and XXXX was closed last XX/XX/XXXX when I reviewed it. Again, it appears that my credit file has been compromised. I was going through my records & noticed many items which do not belong to me. There are still remaining items on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to block any item listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. Here is the list of items that not belong to me : XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$17000.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1300.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/2020 IN ACCORDANCE WITH FAIR CREDIT REPORTINGACT THIS ACCT HAS VIOLATED MY RIGHT. 
15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681SECTION A SECTION 2. IT ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCT WITH OUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 166B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCT UNDER AN OPEN END CONSUMER CREDIT PLANAS LATE FOR ANY REASON
Product: Debt collection

Second mortgage was charged off for a deed in Lieu. I do not live there or in same state. They have reported the amount on .y credit and even had the wrong amount posted at a time. During COVID the state of Florida was in an state of emergency and they repeatedly contacted me asking.e for money. They even made me a deal on paper that I am attaching. I recently contacted them and offered {$3000.00} and the man said they wanted half of the balance and that deal can no longer be in place. He also said he would present the deal and send me a letter of response. I have not heard of anything!
Product: Credit card or prepaid card

I reported American Express to the CFPB when my account was closed by them to retrieve the annual fee. The fee was refunded in part, {$400.00}, as a result of that report. I should have been refunded in full as the card benefits were taken away and the contractural agreement was broken and invalidated unilaterally. Today, almost a year later, I received an email that I was being recharged {$200.00} ( {$200.00} plus {$4.00} in interest ) for a card benefit that was issued twelve months ago. When I contacted American Express to have this corrected I was told that they had reversed a card benefit for the return of a product ( over one year ago ) and there was nothing I could do to resolve it. This is completely unreasonable and unethical and a breach of contract. A move like this on their part creates chaos and instability in the consumer credit environment and must be reversed. If they did this to me, they are doing this to many previous card holders. They should be fined accordingly.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C , 1681section 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. 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 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 informed Experian that the XXXX XXXX  credit card account found on my credit report was fraud and they still didnt take it off they keep running me in circles I have sent them letters from bank and collection agency saying its fraud. I want it removed off of my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account resolution XXXX/2022
XXXX XXXX XXXX XXXX in XXXX/2022
XXXX XXXX XXXX XXXX/2021
XXXX XXXX XXXX XXXX/2021
XXXX XXXX XXXX XXXX/2022
cXXXX XXXX XXXX XXXX XXXX/2022 
coXXXX XXXX/2022
XXXX XXXX XXXX XXXX/2021
XXXX XXXX/2022
nXXXX XXXX XXXX XXXX/2022
XXXX XXXX XXXX XXXX/2022 XXXX XXXX XXXX XXXX2022
Product: Debt collection

I am completely appalled that I am being treated in the same manner as a XXXX individual. Meaning I pay a monthly payment that I can afford and I have tried the entire time that my account has been with this place to make payment arrangements, but get refused to set anything " affordable '' up. The only option I am told is it will go to legal attorney then to court. I am a working citizen that first of all pays for my medial insurance, and still I am treated like the individuals that ignore and do not pay anything. Finance System 's moto on their website is untrue. 
**This is listed as step XXXX Accounts are referred to our legal department when our call center receives several broken promises or no voluntary payment. Written authorization is secured from the client prior to taking action. So disgusted that not only myself but I am sure lots of other hard working citizens are being treated like this. 

XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2023, I spoke to Audi Finance about purchasing my vehicle after the lease had ended. The Audi representative sent me the documents ( via their web site ). I completed the documents and sent them and a check, via XXXX, to Audi Finance to buy out my vehicle. On XX/XX/2023, I confirmed with my bank that Audi cashed the check ( see attached ). The representative told me that the title would be sent in a couple of weeks. On XX/XX/2023, I contacted Audi again, and was told that the vehicle title was being processed and that I would get it in 3 to 4 weeks. I called them again on XX/XX/2023, XX/XX/2023 and XX/XX/2023 and was given the same response that I would get my title in the next couple of weeks. It's been 2 months since they cashed the check, and I need my title to re-register the car. I think 2 months is more than enough time and I don't feel confident in the last response I received, which was the end of lease department would contact the title company to send me the title in 7 to 10 business days.
Product: Credit reporting or other personal consumer reports

I have personal hard inquiries that are unauthorized that need to be removed. Capital One, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive just reviewed my credit reports at all 3 major bureaus and noticed there are eight inaccurate late items on my report all from my XXXX XXXX XXXX/XXXX student loans. Please note, the only time Ive ever been late was in XX/XX/XXXX, when I sent my payment on XX/XX/XXXX, which was only 12 days late! It should NOT have shown up on my credit reports as even 30 days late, not to mention 90 days late, which is what it is showing. This is absolutely untrue, and Ive attached screenshots of my XX/XX/XXXX payment, as well as the payment I sent XX/XX/XXXX, to show that these accounts were never even 30+ days late. 

They are reporting all 8 student loans as 90 days late, but none of my payments were even 30 days late. This is so frustrating as it's taken my credit score down 200 points, and is not even true! I ask that XXXX remove all of these late payments from my credit reports immediately, as I have provided proof of my payments, and the information they're reporting is not true.