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

I have reached out to this company several times to formally and legally ask them to remove these inaccurate and illegal accounts from my credit report. However, after various formal certified mail FCRA disputes they continue to ignore my requests. These accounts are inaccurate & do not belong to me and Experian has failed to show me how they officially validated this false debt. 

US DEPT OF EDUCATION ; Amount : {$9800.00} Date opened : XX/XX/XXXX. 
XXXX XX/XX/XXXX ; Amount : {$1900.00} Date opened : XX/XX/XXXX.
Product: Student loan

I'm trying to have my legal name updated with Edfinancial and have submitted both my social security card and birth certificate multiple times but no update has occurred. Need this updated ASAP as currently the name on my account is not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX just started reporting to my equifax credit report from an account that was allegedly opened 10 years ago. I do not recall ever having an account with XXXX XXXX. If there was an account opened under my name at that time, this still can not continue to report on my credit report after 7 years as this is a direct violation of my rights under the XXXX  and XXXX. I did call them numerous times and they refused to give me any information on this account, refused to let me speak to a manager then hung up on me. I want this REMOVED from my credit report or I will file a lawsuit with XXXX XXXX ( who is currently in a class action suit for fraud ) and Equifax for continuing to report inaccurate information. I appreciate your fast and diligent attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute inaccurate items on my credit report for over 90 days. The Experian Credit Reporting Agency failed to follow FCRA Accuracy Procedures. The Experian Credit Reporting Agency failed to follow their own procedures for consumer disputes as they pertain to my written complaints, and Experian Credit Reporting Agency failed to follow reasonable written policies regarding information furnished to creditors, thus causing me to have to pay higher interest rates, as well as get turned down for credit both business and personal. Experian has caused me damages because of their lack of following both federal law as well as their own internal policies.
Product: Credit reporting or other personal consumer reports

Approximately XXXX weeks ago I contacted Concora Credit Inc., regarding XXXX XXXX XXXXXXXX XXXX Destiny Mastercard application, to notify them that I am opting out of sharing my consumer nonpublic information, pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) and 15 USC 6801 thru 6809 and16 CFR 313.7 ( f ), with XXXX, XXXX, and XXXX. As of today, XXXX XXXX Bank has yet to make the appropriate updates by deleting the records from my credit reports for XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thunder Road repoed my motorcycle a couple years ago but theyre still reporting missed payments on my credit report every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have furnished TransUnion with my identification documents : XXXX birth certificate, passport, gas bill, and social security card. ) I have presented this information in every correspondence I have sent this corporation since XX/XX/2021. TransUnion just sent me a letter dated XX/XX/2021 but not postmarked until XX/XX/XXXX, that they can not process my request because their corporation doe not have my documents.
Product: Credit card or prepaid card

below is was the exact email i sent to santander with the same photos. all they had to do was XXXX " XXXX '' and call them. they'd get their answer if its a scam or not. as when i called the person said " no we are not new XXXX  parts. and there is a scam going on with people using my business ''. i even later emailed new photos to show " new XXXX parts '' had more people backing up my claim. or they could of spent 10mins searching for the shipping company and see that tracking is bogus along with all the phone numbers.

Photos provided to show evidence for fraudulent business. Paid for an auto part was told it was pending shipping. but the website they provided ( see figure 12 ) brings me to a site that the phone number is disconnected. XXXX the shipping business bring me to a different phone number, and that one isn't even a shipping company. the seller at one point said i had to contact the shipper to pay a fee for insurance ( see figures 8-11 ). At that point i knew it was not a legitimate business. No actual company is going to ask for payment via XXXX etc.

Figure 4 shows them posing as " XXXX  ''. XXXX  that does show an actual business, but when i called they knew nothing about the part i ordered and even said if someone said its coming from us its a scam. XXXX XXXX XXXX said they are aware that there is a scam but did not who or from where.

Also the entire conversation has multiple phone numbers, from multiple states.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following account listed below is still reporting on my Credit Reports and need to fix immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Recievables performance management sent me a bill for {$770.00}. I asked them to validate that this & they did not but instead put it on my credit report at all credit bureaus. I again sent them a certified letter on XX/XX/18 which they signed they received on XX/XX/18 @ XXXX asking them to validate the debt by certain steps & AGAIN they ignored & sent a bill today XX/XX/18. They have also refused to notify the credit bureaus to remove this while it is under investigation. I want them to cease & desist immediately. XXXX XXXX XXXX had previously tried to collect this debt & they could not Validate it so they removed it. Recievables performance management has bought this & I have no contract with them either. This debt is NOT valid. I have attached copies of the proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Experian can not show credit history
Product: Credit reporting or other personal consumer reports

This letter serves as a formal dispute for multiple inaccuracies and Metro 2 compliance violations on my credit report. The following accounts contain significant discrepancies that misrepresent my financial profile and violate Metro 2 standards. I am requesting an immediate investigation and correction. 
XXXX. Account : XXXX  XXXX - [ Account Number : XXXX ] Data Furnisher : XXXX  XXXX Issues Identified : o Late Payment Reporting : This account shows multiple late payment entries marked as 90 days past due with conflicting update dates ( XX/XX/XXXX, XX/XX/XXXX, etc. ). The inconsistency in reporting late payments does not align with Metro 2 standards for accuracy. 
XXXX  High Balance Reporting : The high balance is inconsistently reported as {$520.00} across the bureaus. Uniformity is required for compliance. 
o Dispute Remarks : Comments vary across bureaus, with XXXX stating Credit card Amount in H/C column is credit limit, XXXX noting Account was in dispute - now resolved by subscriber, and TransUnion indicating Dispute resolved; reported by grantor. These conflicting comments create confusion and fail to meet Metro 2 standards for clarity. 
XXXX. Account : XXXX XXXX XXXXXXXX - [ Account Number : XXXX ] Data Furnisher : XXXX XXXX XXXX XXXX Issues Identified : o Account Status and Late Payment Reporting : This account shows multiple late payment entries that are inconsistent across bureaus, with different update dates and 90-day late payment entries. The discrepancies fail to provide a clear and accurate payment history. 
XXXX  High Balance Reporting : XXXX lists the high balance as {$350.00}, while TransUnion reports {$370.00}. Such inconsistencies violate Metro 2 compliance standards. 
o Dispute Comments : XXXX states Consumer disputes this information Credit card, while XXXX and TransUnion have different remarks. This lack of uniformity causes a misleading representation of my credit report. 
XXXX. Account : XXXX XXXX - [ Account Number : XXXX ] Data Furnisher : XXXX XXXX  Issues Identified : o Account Status and Closure Date : The account is reported as Closed across all bureaus, but with differing closure dates ( XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX, and TransUnion : XX/XX/XXXX ). This inconsistency violates Metro 2 standards for uniformity in reporting. 
XXXX  High Balance Reporting : XXXX reports a high balance of {$1300.00}, while TransUnion lists {$730.00}. Discrepancies in high balance reporting create a misleading record. 
o Comments and Dispute Remarks : Each bureau has differing comments regarding the account 's closure, such as Closed or paid account/zero balance on XXXX, Account has been closed due to inactivity on XXXX, and Canceled by credit grantor on TransUnion. These inconsistent remarks fail to meet Metro 2 standards for clarity and uniformity.
Product: Student loan

I have had these loans since XX/XX/XXXX. I started repaying these loans in XX/XX/XXXX. I had to defer them a few times and now the interest is outrageously high. I have been paying almost {$400.00} a month since XX/XX/XXXX. My balance seems to only increase. I was put on an extended payment plan. When I signed up for that a few years ago, it showed that my loans would be paid off in XX/XX/XXXX. I have not changed any thing since, yet now they show they're not due to be paid off until XX/XX/XXXX. I can not keep affording this payment. Every time I've called them to do a consolidation on these, I've been told that I can not do that. I currently have 13 different student loans with Navient all with different interest rates. I have a private loan through them as well, that I haven't done any deferment on and yet that one also has not decreased. This isn't right. I currently owe Navient almost {$46000.00} in student loans. I don't understand how I owe so much more than I ever borrowed. I don't understand why I have capital interest and compound interest that I'm paying on. According to my records I've paid around {$32000.00} to Navient already, yet I still owe {$46000.00}, because they take almost all of it in interest. My total before I started paying anything was {$63000.00}. My loans were originally with Sallie Mae.
Product: Credit reporting or other personal consumer reports

TransUnion was tasked with investigating and running disputes for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After making arguments about a disputes items being investigated incorrectly I was transferred to who a supervisor was who verbally stated on record that they have XXXX. Received all documents for verification XXXX. Received all deletion files XXXX. Received a updated and accurate credit report from XXXX XXXX. Received fraud reports XXXX. Received CFPB Reports All other credit agencies that received this documents removed files for fraud and irregularities and Transunion admitted to not running disputes at FCRA standard as previously stated and this is verified by the recent removal of XXXX  XXXX. They refused to investigate that file for 2 years even while being requested to do so
Product: Mortgage

my mother and i owned a home between us, while i was not on the deed, she took out a reverse mortgage in XX/XX/XXXX, she passed away in XX/XX/XXXX. A month later I received a bank letter of default, she never informed me of doing this so it was a shock. I have been living this never ending nightmare since than. On the advise of a attorney to protect my interest in the home and property as i had help purchase the home originally with inheritance money, I filed a Chapter XXXX. The bank had several opportunities to contest, they did not, than a year into the bankruptcy and a confirmed plan, the servicer for the bank filed a motion to lift the stay. I have found papers and mailings to my mother which obviously had her fooled to thinking this was a wise decision. My mother left everything in a trust for my children and we also had a notorized agreement that the home was 1/2 mine. There is a stack of mortgage papers atleast XXXX inches think, there is no way all that was explained to her, just initial here areas and no indication of having any legal advise. What appears to be the first mailing to her the pamplet is briefly written and sounds wonderful to our elderly family members, I see how easily they can get fooled. I have been in bankruptcy just about every few weeks lately, with this horrendous fight. Another issue I have had is people really understanding the reverse mortgage differences vs traditional.At first the judge saw the 'human side ' to my story, and saw 'red flags ' when the term 'reverse mortgage ' came up. I thought i had a fighting chance. However, with many loopholes and people really being misinformed, the judge decided to grant their motion to proceed with the foreclosure.just today. I am devastated. I am a firm believer these need to stop, the loopholes and strings they use is incredible and like sugar coated crimes against the elderly and their heirs, This company has made no attempt to work with me even when the matter was brought to court on accepting payments from me, they refused, saying they have no obligation to do so and that was just during the bankruptcy plan till a refi could be obtained.i believe this was a misleading and deceptive transaction and want some resolution to keep my home from these vultures on our loved ones
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized hard inquiries on my Equifax credit report that are a result of identity theft. The inquiries in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my FTC Identity Theft Report and my driver 's license for proof of identity. According to the Fair Credit Reporting Act ( FCRA ), I am requesting that these inquiries be removed from my credit report immediately.
Product: Bank account or service

BB & T offers through their new U by BBT app BB & T deals. I have activated and used many of these deals without any trouble. I just activate the deal in the app, make a purchase with my BBT checkcard, and then it shows up as a pending reward to be deposited into our checking account. The are then deposited the following month. In XXXX of this year, BBT had a deal for 10 % back on stays at XXXX XXXX when paid using your BBT checkcard. I booked a stay at the XXXX XXXX in XXXX, AL, through the link in the U deal offer. The offer also says you must be a member of XXXX XXXX, which I am. Travel was to be completed by XXXX XXXX, which it was. The purchase was paid with our BBT checkcard, and posted under the item " XXXX XXXX XXXX '' on XXXX for {$280.00}. This would mean a deal valued at {$28.00} which we should have recieved from BBT. I waited and it did not show as a pending reward, which I thought may have to do with the fact that travel is completed by XXXX XXXX. So, I waited until after this date and still no pending reward shown. Thus, I reached out to BBT. I work for a competing bank which offers a similiar program and I know that when this occurrs a customer can contact the bank and have the item researched and manually applied if applicable. In fact, based on the deals seen, I think BBT may utilize the same third party for the deals program that my employer uses. I called the customer service line and I was told I had to contact XXXX directly, because they are responsible for paying the reward. I knew immediately this was incorrect however I called XXXX and they had no idea what I was talking about. I also emailed BBT customer service several times and after a lengthy delay got a response basically telling me to call customer service. I then called the local branch in XXXX, AL, and spoke with XXXX who told me he was going to research the issue and get back to me. A few weeks passed and I heard nothing, so I called him back and he told me he did not know anything about the deals program but that he had escalated the issue and I would be getting a call from BBT corporate on the issue. I never heard back from BBT corporate. I then got another reply to a previously sent email communication to BBT which indicated I should call BBT online technical customer service, which I did. At first, the agent also did not know what to do, but eventually told me she was escalating the issue and I would hear back in 48 hours. That has been a month now and still no calls back from BBT corporate or cash rewards. Thus, I am left with no choice but to now turn to CFPB as it seems like no one at BBT knows how the deals program works or how to research a missing credit which I am due.
Product: Credit reporting or other personal consumer reports

i didnt open a account with them someone used my information
Product: Credit reporting or other personal consumer reports

XXXX : Account # XXXX I received information from you attempting to collect the above-listed alleged debt. Please be advised that I dispute the validity of the alleged debt in its entirety. Further, I request verification of the alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. I have not supplied proof under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX XXXX | May Presume that no proof of the alleged debt, nor therefore any such debt in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting late payments on two of my XXXX loans in 2019 during the COVID-19 Pandemic. I applied for a deferment. However, the deferment has not been applied to the months reporting as late. I am on an Income Based Repayment plan. My current payments are {$0.00} per month. When disputed with the credit bureaus XXXX has confirmed the reporting and has updated my account as " In Deferment '' though at least one account appears to be incurring interest while in this status. Your assistance is greatly appreciated.
Product: Credit card or prepaid card

I applied for a Chase Sapphire card to qualify for bonus points that Chase was offering to new cardholders. I was called the next day by a Chase representative telling me that since I already reached the maximum credit line from my 3 Chase cards, they would have to allocate some credit from one of my existing cards in order to open the new card. I agreed and moved {$5000.00} from one of my credit lines to the new card. 

I later checked my credit score because XXXX XXXX sent me an alert. Chase did a hard pull on my credit and dropped both of my credit scores from XXXX down to XXXX even though they did not extend me any new credit and merely moved my credit from one card to another. 

I reached out to Chase and the Credit reporting agent that I was transferred to was rude and condescending on the phone, while providing absolutely no attempt to help me out. 

Chase has also been locking my cards seemingly at random due to " fraud detection '' even though I've been only using my cards on the same websites, and near where I live. Previously, I've also tried to get them to honor their card benefit of covering the return of a product that the seller refused to refund, and Chase was unwilling to reimburse me in spite of several attempts at contact and speaking to several agents. I have never missed a payment, or made a late payment to Chase and have been a customer with them for over 12 years but will be moving my business elsewhere because they clearly have no regard for customer satisfaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted EOS CCA via telephone on XX/XX/XXXX and by mailing a dispute letter to this company requesting a reasonable investigation regarding a negative account from XXXX that they are reporting in my credit file which the Co. ignored on or about XX/XX/XXXX. 

Account Name EOS CCA Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$220.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX
Product: Debt collection

XXXX XXXX rent was paid in full, with security deposit in the amount of {$810.00} held by XXXX XXXX and a check in the amount of {$54.00}. Endorsement of that check included a clause which stated, " endorsement constitutes acceptance of this check as payment in full of all obligation due between the parties. This check was cashed by XXXX XXXX. 
After vacating the premises owned by noon on XXXX XXXX, XXXX, we received an email requesting our forwarding address, which we provided. Soon after, we received a letter requesting payment of charges due, in the amount of {$400.00}. This included such things as an " estimated sewer and water '' charge of {$100.00}, " three hours of extra cleaning at {$20.00} per hour, '' " removal & dispose of abandoned couch '' charge of {$40.00}, and lastly a " cost to market & re-rent unit for XXXX/XXXX/XXXX '' charge of {$150.00}. 
The apartment was vacated in cleaner condition that when it was rented, as well as painted -- which was never reimbursed by XXXX XXXX. 
After responding to this letter, with a request for reimbursement of paint supplies and labor, we received another letter, this time with more aggressive language, stating, " bottom line, the {$400.00} is due. Please make payment or this will go to collection. '' We chose not to respond to such rude correspondence. 
We then received a letter from collections, dated XXXX/XXXX/XXXX, requesting that we contact their office to make payment arrangements.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a dispute with all 3 Credit Bureaus about a Fraudalent Account on my credit report with XXXX XXXX XXXX with a {$610.00} Negative Balance. Two of the Credit Reporting Agencies removed the account and one did not. However all 3 of them removed a Positive and good Credit account that my wife and I have with XXXX XXXX with a {$2500.00} balance, a card opened in XXXX XXXX. This has drastically affected my score and it 's hindering me from refinancing a 4.5 acre 4500 sq ft building that I own and trying to refinance. They all refuse to put the account back on my credit report and all told me to contact XXXX XXXX. I did contact XXXX XXXX and they said all 3 of the bureaus should stand up to their mistake and put the account back on my credit. The account number is : XXXX XXXX XXXX XXXX
Product: Student loan

Navient keeps emailing me saying my payment is due when it's not due until that provision in CARES Act expires on XX/XX/XXXX. Bad and deceptive business practices.