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

i sent this letter on XX/XX/XXXX I need clarification as to why you are reporting certain information on my credit report. Please review the following. 

Creditor : XXXX XXXX XXXX Account # : is not reported This account is being reported with 2 different dates of last activity if this is the same account being reported by the same source, why is the date different? Delete this account for inaccurate reporting. Last activity showing XX/XX/XXXX for XXXX, XX/XX/XXXX for Transunion and nothing for XXXX Creditor : XXXX  XXXX XXXX Account number : is not reported This account is being reported with 2 different dates of last activity if this is the same account being reported by the same source, why is the date different? Delete this account for inaccurate reporting. Last activity showing XX/XX/XXXX XXXX, Closed date XX/XX/XXXX XXXX. XX/XX/XXXX last activity, XX/XX/XXXX closed date Transunion. 

Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX This account is being reported with 2 different dates of last activity if this is the same account being reported by the same source, why is the date different? Delete this account for inaccurate reporting. Last activity showing XX/XX/XXXX XXXX, XX/XX/XXXX Transunion and no date for XXXX. 

Creditor : XXXX XXXX XXXX Account Number : is not reported This account is being reported with 2 different dates of last activity if this is the same account being reported by the same source, why is the date different? Delete this account for inaccurate reporting. Last activity showing Transunion XX/XX/XXXX, XXXX has no date nor does XXXX. Closed Date is different, XX/XX/XXXX XXXX, Transunion XX/XX/XXXX I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 

Never sent a updated copy of my consumer credit report reflecting the corrections.
Product: Debt collection

I have offered to make payments on my debt, but told the collection company that I wanted somthing sent to me monthly to make the payments. They refuse to send any type of statement saying that their company doesnt do that. I am not sure of the date of the call they specifically said that, but it was near the end of XXXX beginning of XXXX. Since then they have submitted a garnishment to my job to collect the money. I have yet to see any money taken out by my company. The person that called me from Works & Lentz was also rude while telling me that.
Product: Mortgage

My home loan was with XXXX XXXX XXXX and I went into a slow pay with them and started paper work with them at that point. I was told that they would not work with me at all and I was told to wait till I was 2 months behind and maybe said they may want to help.. They did not do anything for me. Then a few months later they sold my loan to M And T bank and they send me a letter telling me that I was now with them and to start making payments to them ASAP. I called to make my payments and they told me that I could not make anymore payments till we sent in a modification package to see if they could help me. They would not take my payments then I sent all the information everytime that they asked me and then told me my documents were not current so they asked for info again and again and again and always at the 30 day mark. I was sent back again and again and never got help. Then I spoke to XXXX XXXX and he informed me that we would not have to make a payment and we would be review again. Do n't worry everything should be fine. I then revcived a letter stating that I got turned down for the modification and that I was going to lose my house. I called the bank and tried to make payments but they said they could not take them I was only 3 months behind. They told me that I could not make the payments. They then told me to re-apply and they said that I would not get approved but to try anyway. Then I went to find someone to help me but after 1 month they came back with a forbearance and they said that the payments would be XXXX per month and that the agreement was for 6 months and after the agreement they would reconsider for a additional term. I made all the payments on time and XXXX XXXX 2015 was the last payment for the forbearance and I sent the payment but 5 days later they started a forclosure sale date of XXXX XXXX 2015 and told me that they did not have to reiview me again unless I sent info 30 days in advance. I never received a forbearance agreement from the bank and I never signed XXXX. I have been requesting Info from the bank since XXXX/XXXX/2015 to show a signed forbearance and the terms but to this date they have not complied with my request this is now over XXXX days. I also contacted the trustee quality loan services and requested them to respond to QWR and they did not comply. I just yesterday XXXX XXXX 2015 reinstated my mortgage in hopes that someone would help me. This bank is really a mess and if not for many hours of work I would have lost my home.
Product: Student loan

XXXXXXXX XXXX is one of the institutions implicated in the XXXXXXXX XXXX XXXXXXXX lawsuit. XXXX misrepresented critical outcomes such as graduation and employment rates, financial aid assistance, and classroom resources. They employed high-pressure recruiting tactics, misleading many students into believing they would receive scholarships and grants that never materialized. 

I was recruited by XXXXXXXX XXXX while XXXX XXXX XXXX XXXX XXXX with my tuition covered by my employer, XXXX XXXX. XXXX promised scholarships and grants, assuring me that my employer could continue paying my tuition. They also claimed I could complete my XXXX XXXX in XXXX years due to my transfer credits. I enrolled on XX/XX/XXXX, expecting to XXXX on XX/XX/XXXX, but the two-year program stretched into XXXX years, forcing me to withdraw twice. I eventually XXXXXXXX XXXX XX/XX/XXXX. 

Throughout my enrollment, I never spoke to the same advisor twice, despite requesting specific ones. I had XXXX different advisors who offered little help, and the financial aid process was a nightmare. My job required a one-page form for tuition payments, which XXXX failed to complete on time, causing my employer to miss the deadline for payment. XXXX XXXX promised was factual. When I moved from XXXX XXXX XXXX XXXX XXXX assured me I was eligible for a grant. Despite submitting all required documents, no action was taken, leaving me dependent on student loans. Eventually, I was told I had exhausted my federal loans and needed to apply for private ones. XXXX only certified my private loan with Sallie Mae without specifying the amount needed, leading to inconsistent information. I have an email from Kaplans financial aid department stating my private loan was denied, yet Sallie Mae reported a loan I was told was denied. 

In my last semester, XXXX changed its name, which I found suspicious. When I inquired, I received a vague response. I had to XXXX XXXX XXXX and set up a payment plan to pay XXXX {$2200.00}, with bi-weekly payments sent directly from my bank. When I decided to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX claimed my payment was returned by my bank, nullifying my payment plan and refusing to release my degree or transcripts, stating I owed them {$10000.00}. Despite providing proof of the canceled check cashed by XXXX, they did not acknowledge it. I was stuck without proof of my degree, unable to look for a job. I XXXX XXXX  XX/XX/XXXX with a XXXX XXXX XXXXXXXX XXXX, but it wasnt until XX/XX/XXXX, after countless phone calls and emails, that XXXX acknowledged a clerical error and released my degree with a XXXX balance. I lost XXXX years of my life, XXXX XXXX XXXX XXXX XXXX or secure a job. Due to the pandemic, I lost my low-paying job and my savings, unable to find work without proof of my XXXX XXXX. I graduated last year from XXXX XXXXXXXX XXXX  with a XXXX in XXXX XXXX with a XXXX XXXX XXXX XXXX XXXX XXXX Now, most jobs in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, forcing me to retake XXXX and XXXX XXXX XXXX courses. XXXX misinformation and delays robbed me of XXXX years, leaving me with financial and professional setbacks.
Product: Credit card or prepaid card

I paid off my balance on XX/XX/2021 but they refuse to make my credit available after contacting them several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have I sent out multiple request for the following accounts to be reviewed or removed from my credit report due to no response from the creditors : XXXX XX/XX/2021 AND XX/XX/2021 ( NO RESPONSE ) XXXX XXXX  XX/XX/2021 AND XX/XX/2021 XXXX XXXX  XX/XX/2021 AND XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

This accounts do not belong to me were opened without my consent or knowledgeThere are many errors within this listing. Please check the Date of Last Activity, Payment History, Payment Status and remove immediately or I will pursue further actions.
Product: Checking or savings account

Bank of Texas put my account under review client protection and blocked me from using XXXX and I had used my account regularly and normally, I don't know what will be the reason that cause my account got blocked and can not used zelle too. ( XXXX got blocked )
Product: Checking or savings account

Im on XX/XX/XXXX and deposit a check for {$13000.00}. They gave me a print out saying that I am XXXX would be a be available. I am on the XXXX and then the rest on the XXXX. I came in on the XXXX and they said they were putting a hold on it till the XXXX. Well I explain how God put me in a hardship and I resent to back to the bank where I initially deposited it talk to speak with the bank branch manager who directed me to call the holding department because its the only people that can not release the hold because on my lawyers and another financial institution is and the bank the check is fine and good so they told me I had to put in an expedition paperwork and it would take 48 hours I didnt either that money would be my account or they would have a email them answering me. It has now been 48 hours and they have neither.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was writing to inform you that there are still items are my credit report that are not mine. Please have these items removed from my credit report immediately as they are not mine. I have already contacted my local police and the FTC. XXXX  XXXX, XXXX XXXX XXXX.
Product: Debt collection

This company has called me several times and also called all my family members to speak to them. The company is out of line in calling family members about a personal matter that DOES NOT have to do with them! The calls have been made several times to all family members and I have no notification about the debt in writing and they are harassing ALL family members by making several calls to them. They have called XXXX, XXXX, XXXX many times. I had to tell family to block their number. XXXX XXXX XXXX out of XXXX, NY practices harassing phone calls. XXXX XXXX is a nasty person and when I spoke to her, I told her she has not right calling my family and she said she did and that she has all rights to try and collect this debt. 

This company practices unethical collection procedures and is verry harassing.
Product: Credit reporting or other personal consumer reports

I am currently in the market to buy a home and I was reviewing my credit report and found some errors on XXXX  XXXX XXXX. You are reporting information about me which is inaccurate. All three credit bureaus are reporting different HIGH VALANCE, DATE OF LAST ACTIVITY, DATE REPORTED, DATE OPENED, ACCOUNT RATING, LAST PAYMENT, XXXX YEAR PAYMENT. All 3 credit bureaus are reporting inaccurate information in this account. As you are aware there can only be one high balance and same date on this account. This account has not been properly verified. 
PLEASE DELETE the following account immediately for failing to comply with FCRA. 

XXXX XXXX XXXX THANK YOU FOR YOU TIME
Product: Credit reporting, credit repair services, or other personal consumer reports

Three times I've formally requested LexisNexis to remove addresses which have never belonged to me. Three times after waiting 30 days, LexisNexis has verified these addresses using themselves as the source of verification. This violates my rights to a fair and accurate credit report. They know a reinvestigation can not be them using the inaccurate information they themselves house. 

Enclosed with this complaint, please find a copy of their reinvestigation stating the means they used to verify all these inaccurate addresses along with a copy of my Texas Driver 's License and a bill. Both have my current address ( I have lived here for more than 20 years ) ; this is the one and only address I rightfully and legally should have on file with LexisNexis. 

All other addresses on my LexisNexis report are to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquiries on my credit on  XXXX   XXXX ,   XXXX   and  XXXX   XXXX   XXXX  i contacted credit bureau to remove unauthorized inquires ... stated i need to call original creditor ... contacted orginal creditors who all stated they have no account or information pertaining to me ... called bureau back to inform what creditor states and they still havent removed these unauthorized inquiries as i requested certified mail and via phone several times ... i am very frustated with this situation these are unauthorized inquiries
Product: Credit reporting or other personal consumer reports

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well. 

This is my second and final request to you based on your last response before I take it to court. I will not provide you with my personal information which you should already have a record of. 

I have never done business with your company at all. 

I have attached a copy of the 3rd time of my identity theft affidavit. I refuse to give you a copy of my driver 's license because the person who committed identity theft also had that information as well apparently. I'm not going to send a company that I never did business with my personal information. And I do not have an account to login to with Affirm to submit an dispute because I never had an account with you. Remove this account immediately from my credit profile or there will be consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On my XXXX  Credit Report, After filing a dispute, the results showed items ( Source Recievables Mng ( Acct # XXXX ) and XXXX XXXX XXXX ( Acct # XXXX ). Both items deleted from credit report on XX/XX/19. I now notice the report dated XX/XX/19, that the item XXXX XXXX, XXXX ( acct # XXXX ) with yet a different account number remains on my report. Also on XXXX  reported dated XX/XX/19, Items RECEIVABLES XXXX ( Acct # XXXX ) and also showed results showed item deleted. Also another XXXX XXXX ( ACCT # XXXX ) also stated Deleted. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. I did not receive this notification. On report datd XXXX, XXXX XXXX XXXX  has an incomplete account number which violates FCRA fules . as I have no way of knowing if it is mine. I would like your assistance with these issues. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair credit reporting act 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 instruction.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Date Opened : XX/XX/2023 Balance : {$500.00}
Product: Student loan

With the new PSLF waiver I have sent in ALL my certifications, they are not updating my total count, the deadline is XX/XX/XXXX I can't keep sending the same info if they are not going to do anything. they has lost the contract with Dept of Education, new servicer is coming into play. In XXXX  they also told me consolidate my loans in order for them to be more affordable not knowing it would restart me paying for my forgiveness. I was about 2 yrs away from loan forgiveness. It has taken them 2 months to update me only to say I was missing information. When the form clearly says to check this box if you can't get your employer to certify. Clearly NO has a CLUE once again.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$6700.00} XXXX  XXXX Balance : {$4400.00} XXXX  XXXX Balance : {$6400.00} XXXX  XXXX Balance : {$6500.00} XXXX  XXXX Balance : {$0.00}
Product: Mortgage

XX/XX/XXXX to current there is a lot going on to summarize I am being forced into foreclosure no fault of my own. I have lost my loan to purchase a home because of this mortgage that is not in my name yet. It has been sold 4 times from XXXX XXXX XXXX XXXX XXXXand now RightPath servicing XXXX I have provided all documentation and everything asked previous companies dont give the files so I have to start back at 1 every time. Now I have been providing files since XX/XX/XXXX via email and my app uploads and the files are denied then I turn in the same files numerous time then it accepted half the time they wont speak to me and wont accept any payments my credit history is not being acknowledged I am forced to their terms they wont accept cash offers of {$30000.00} or borrow assistance money. Then they call me saying yes we have all we need but I am still in the first stage of modification which was my only option they wouldnt allow me to refinance in my name and start fresh forced to their terms. When I tried to sell the home and move on it was selling for less because its not worth XXXX and I was told I owe the rest. I am going broke fixing things that they wont cover under the home insurance but I still owe the back mortgage of {$10000.00} that I cant make payments on. My realtor told me last Wednesday when I showed her the house and whats going on that whats happening is illegal I just need help to stop stress I told them Im not give the same files that you already have again if the process cant move forward I have to take legal action. Then I was called again to turn in the same files I refused. They also make calls to non owner speaking about my house so they called me on 3way asked them to not call their phone about her house just call her. I had XXXX in my savings and have put XXXX into this house that is about to be taken from me for no legal reason I have purchased and sold a house faster then whats going I have gave it all the time I could I just want to be treated fairly but this is discriminatory and I never use that term but is obvious. Help me move forward please
Product: Mortgage

For over two months I have been locked out of my accounts online access. I have been lied to about the issue and have been told by a rep that she would call me back personally. No one has made any attempt to resolve this problem. I am forced to call this company and sit for over 45 minutes at a time when I need anything to include making a payment. I have NEVER been late on a payment and this online account lockout is making it problematic to say the least. The wait time to speak to the reps is ridiculous to say least and they will flat out lie to you over the phone. Please help me with this ongoing problem. The company could care less about my account access being locked out to me online.
Product: Checking or savings account

Upon checking my online account I realized {$50.00} had been deducted from my account and I didnt recognize the amount as any debt I owed. I clicked on the source of the payment and contacted the company from the phone number listed for the merchant. When I called the number, I got a recorded message about obtaining a medical alert device. I made a call to my bank to inform them of the unauthorized transaction and filed a claim against the unknown merchant. I was informed that the bank would conduct an investigation and my debit card would be cancelled and a new card would be issued. This caused me financial problems because I had other payments that needed to be automatically deducted by the canceled debit card, which cause the payments to be returned unpaid. The refused to accommodate my request to keep the debit activated for the purpose of paying my debts. I later had further problems with my bank concerning a hotel deposit of {$100.00}, that was released at the end of my hotel stay, but the bank refused to add the deposit back to my account for my use of the funds. I asked for contact with a department of the bank that handles member complaints concerning the representative that appears to be deliberately misleading and holding back my access to my funds. The representative refused to provide me that information. Therefore I am filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen and compromise. I have file a police report. These account were open without my permission. This accounts are with the following collection agency : Credit Corp Solution XXXX XXXX {$1400.00}, XXXX XXXX {$2100.00}, XXXX {$1200.00}, XXXX XXXX {$1300.00} ), XXXX, XXXX, & XXXX (XX/XX/XXXX {$2200.00} ) XXXX XXXX XXXX {$960.00} ) XXXX ( XXXX XXXX {$770.00} XXXX XXXX ( {$590.00} ) XXXX XX/XX/XXXX ( {$1900.00} ) XX/XX/XXXX( {$240.00} )
Product: Checking or savings account

I was issued checks for accounts that were already settled years ago that I was not aware of from back in XXXX. I sent money orders this year XXXX  to settle the balances unaware that they have been settled already. I was issued checks from USAA in the amounts listed below in which they did not honor the checks as I submitted them for deposit even after the second attempt when USAA reissued me the same checks they put stop payment on again for deposit and still did not honor the checks. This has caused me a hardship as I was thinking I had funds that I ultimately did not have access to. I'm behind on bills as I spent money I had on other obligations thinking my deposited checks would post to my account without a problem.